Find Car Insurance in Kissimmee, Florida

What You Should Know About Car Insurance in Kissimmee, FL

Located just south of Orlando, Kissimmee is a gateway to some of Florida’s most famous attractions while maintaining its own distinct charm. Originally a small cattle town, Kissimmee has grown into a dynamic city known for its proximity to Walt Disney World, outdoor adventures, and family-friendly atmosphere.

Strolling through downtown Kissimmee, you’ll find a blend of historic buildings, cozy restaurants, and local shops. Lakefront Park along Lake Tohopekaliga is a popular spot for walking, fishing, and enjoying Florida’s natural beauty. While Kissimmee doesn’t have a major university like Tallahassee, it thrives on tourism and hospitality, giving it a lively, welcoming vibe year-round.

Driving in Kissimmee is usually manageable, but traffic can build up, especially on major routes like U.S. Highway 192 and near the theme parks. Summer heat and afternoon thunderstorms are common in Central Florida and can create tricky driving conditions. It’s a good idea to stay alert and give yourself extra time during peak travel hours or stormy weather.

Florida law requires drivers to carry personal injury protection (PIP) and property damage liability insurance. Whether you’re commuting through town, heading to the theme parks, or venturing into nearby Orlando, make sure your auto insurance provides the right protection.

Before you get on the road, be sure you’re covered with the best auto insurance in Florida —offered by agents who combine great rates with outstanding service to keep you safe wherever you drive.

How Much Does Car Insurance Cost in Kissimmee, Florida?

Your exact rate depends on numerous factors, including your driving history, vehicle type, and coverage limits. On average, drivers in Kissimmee pay around $2,724 per year for full coverage and about $972 for liability-only car insurance. These rates are higher than the national averages, which are approximately $2,014 for full coverage and $622 for minimum liability. The area’s dense traffic, frequent tourists, and storm-related risks can all contribute to these elevated insurance costs.

Why Is Insurance So Expensive in Florida?

Florida drivers often face higher car insurance rates compared to other states, and that’s largely due to a combination of environmental, legal, and market-related factors. The state’s vulnerability to hurricanes and flooding means insurance companies take on more risk, and that’s reflected in what drivers pay.

Florida also has one of the highest rates of uninsured motorists in the country. When many people on the road don’t carry insurance, the financial burden shifts to those who do—driving premiums up.

Lastly, there’s the state’s no-fault insurance system. It requires every driver to carry personal injury protection (PIP), which covers medical expenses regardless of who caused the accident. While it’s designed to simplify claims, it adds to the overall cost of coverage.

Affordable Car Insurance Rates Comparison by Cities in Kissimmee

When calculating your insurance rates, your agent will consider local data like auto theft rates and accident frequency. These factors help estimate how likely you are to file a claim based on where you live.

Take a look at the chart below to see how average monthly insurance rates in Kissimmee compare to other cities across Florida.

City	Full Coverage Insurance	Liability Insurance Coverage
Kissimmee	$227	$81
Miami	$289	$104
Orlando	$256	$94
Tampa	$200	$126
Clearwater	$340	$93

How Bundling Your Car and Homeowners Insurance Can Save You Money in Kissimmee

Combining your auto and homeowners insurance in Kissimmee is often a practical way to cut costs. Many insurers offer discounts for bundling policies, since it simplifies their operations and makes it easier for you to keep everything under one roof.

Bundling both policies can lower the premiums on both policies and may streamline the claims process—especially helpful in a place like Kissimmee, where severe weather can impact both your car and your home. It’s a good idea to ask your insurance provider what kind of savings and benefits are available when you bundle.

What Types of Car Insurance Discounts Are Available in Kissimmee?

Beyond bundling, many insurance companies provide additional opportunities to save on your auto policy. Be sure to ask your agent which discounts you might qualify for, including options like these:

• Military
• Anti-theft
• Customer loyalty
• Driver safety course
• Good student
• Low mileage

Notable Car Insurance Laws in Kissimmee

Florida follows a no-fault insurance system, which means your own insurance covers your injuries and damages, regardless of who caused the accident. Like all cities in Florida, drivers in Kissimmee are required to carry specific minimum coverage to legally operate a vehicle.

What Are the Mandatory Car Insurance Requirements in Kissimmee?

Since car insurance laws are set at the state level, the same rules apply across Florida. To legally drive in Kissimmee, you must carry the following minimum coverage:

1. Personal Injury Protection (PIP):
   1. Minimum coverage of $10,000.
   2. This coverage helps pay for medical expenses for you and your passengers, regardless of who is at fault in a crash.
2. Property Damage Liability (PDL):
   1. Minimum coverage of $10,000.
   2. This pays for damage you cause to someone else’s property, such as another vehicle, fence, or structure.

Note: Florida does not require bodily injury liability (BIL) coverage, though it is highly recommended. Adding BIL can provide greater financial protection if you’re found responsible for an accident that injures someone else.

If you’re leasing or financing your vehicle, your lender may require you to carry additional coverage, such as collision and comprehensive insurance.

What Is the Penalty for Driving Without Insurance in Kissimmee?

Driving without insurance in Florida comes with serious penalties. Here’s what you could face:

• Fines: Expect to pay between $150 and $500 for a first offense. Repeat violations come with steeper fines.
• Suspended License and Registration: Your driving privileges and registration may be suspended, potentially for up to three years if you don’t show proof of insurance and pay the required fees.
• Reinstatement Fees: Reinstating your license can cost $150 or more, and getting your registration back can add another $250 or higher for repeat offenses.
• Court Appearance: You may be required to appear in court, depending on the circumstances.
• SR-22 Requirement: A conviction might also result in a requirement to file an SR-22 certificate, which serves as proof of insurance. It typically needs to stay in place for three years and can raise your rates significantly.

What Factors Go into My Car Insurance Cost in Kissimmee?

Several local and personal factors influence how much you’ll pay for auto insurance:

• Age: Teen drivers and older adults often pay more due to higher risk profiles.
• Credit Score: Insurers often use credit history as a rating factor—lower scores can lead to higher premiums.
• Driving Record: A history of accidents or violations can push your rates up.
• Mileage: The less you drive, the less risk you pose—low mileage can mean lower premiums.
• Vehicle Type: Your car’s age, make, model, and safety features affect your rate. High-end or high-performance vehicles generally cost more to insure.

Typical Driving Conditions in Kissimmee

Kissimmee experiences a subtropical climate, characterized by hot, humid summers and mild winters. The area is prone to heavy rainfall, especially during the summer months, with frequent thunderstorms and the occasional tropical storm or hurricane. These weather conditions can lead to slick roads, reduced visibility, and hazardous driving conditions. Elevated temperatures can also contribute to driver fatigue and increased risk of accidents.

As of July 1, 2023, the population of Kissimmee is estimated to be approximately 81,269 residents. Additionally, the region sees about 10 million overnight visitors annually, significantly impacting local traffic patterns. The combination of a growing residential population and high tourist activity contributes to traffic congestion, particularly near major attractions and during peak travel times.

To ensure safety on the roads, it’s advisable to stay informed about local traffic conditions, plan travel times accordingly, and maintain a safe distance from other vehicles. Having reliable car insurance is essential to protect yourself and others in this dynamic driving environment.

How Many Car Accidents Happen in Kissimmee Per Year?

The chart below highlights the number of fatal crashes in Kissimmee compared to other Florida cities, based on the Florida Department of Transportation’s Traffic Safety Dashboard.

City	Total Crashes
Kissimmee	50
Miami	133
Orlando	97
Fort Lauderdale	97
Gainesville	46

How Many Uninsured/Underinsured Motorists Are in Kissimmee?

While it’s tough to know the exact number of uninsured or underinsured motorists in Kissimmee, the city reflects a broader trend seen throughout Florida. Recent data shows that roughly 20% of drivers in the state don’t carry insurance, a rate higher than the national average. This means many drivers in Kissimmee might be on the road without the proper coverage.

Beyond uninsured drivers, there are also many who have insurance but not enough to cover all expenses after a serious accident. To protect yourself in these situations, it’s wise to include Uninsured/Underinsured Motorist (UM/UIM) coverage in your policy. This coverage helps ensure you’re financially safeguarded if you’re hit by someone without adequate insurance.