Your car may handle everything from school drop-offs to errands. Personal car insurance from Kemper Auto offers options for different driving needs and budgets.
- Coverage for personal vehicles: Choose coverage based on your vehicle and driving needs.
- Flexible payment options: Find payment options that may fit your budget.
- Spanish-bilingual assistance: Available in most areas.
- Options for non-standard drivers: Kemper Auto accepts certain non-standard IDs, including matrícula consular and foreign or international driver’s licenses.
- SR-22 and FR-44 filings: Kemper Auto offers filings for qualifying drivers who need them.
Personal car insurance can fit many lifestyles, including:
- Daily commuters
- Families with multiple vehicles
- Students attending UCF, Valencia College or Rollins College
- New drivers
- Retirees
- Hospitality and theme-park workers with varying shifts
Orlando driving can mean navigating I-4, SR 408, or Florida’s Turnpike alongside residents, tourists and rental cars. Drivers may travel between Downtown Orlando, College Park, Winter Park, Lake Nona, Dr. Phillips, MetroWest and Kissimmee as part of an ordinary week.
Personal coverage is generally intended for vehicles owned or leased by individuals or families and used for everyday personal driving.
Optional Auto Insurance Coverages Available
Florida’s minimum requirements are a starting point. Depending on your vehicle, budget and driving habits, you may want to consider additional coverage.
- Bodily injury liability: Helps pay for injuries to other people if you are responsible for a covered accident.
- Uninsured/Underinsured motorist: Helps pay certain expenses if you are hit by an at-fault driver who does not have insurance or does not have enough insurance. The Insurance Research Council estimated that 20.6% of Florida motorists were uninsured in 2023, according to the Insurance Information Institute.
- Collision: Help pay for damage to your vehicle after a covered collision, subject to your deductible and policy terms.
- Comprehensive: Helps pay for certain non-collision losses, such as theft and damage from hurricanes, lightning, flooding or other storms, subject to your deductible and policy terms.
- Medical Payments (MedPay) coverage: Helps pay certain covered medical expenses caused by a covered car accident and is separate from Florida’s required PIP coverage.
- Roadside assistance: Helps aid with covered roadside situations such as towing, a dead battery or a flat tire.
Are you a non-standard driver? Kemper Auto also accepts certain non-standard IDs, including a matrícula consular and foreign or international driver’s license, subject to state requirements. SR-22 and FR-44 filings are also available for qualifying drivers.
How to Find Low-Cost car Insurance in Orlando, Florida
According to an Insure.com analysis, full coverage car insurance in Orlando averages $4,013 annually, compared with a Florida average of $3,916. That is a difference of $97 a year. These are benchmark averages, not Kemper Auto rates, and what you pay can vary based on your personal circumstances.
Factors within your choices, such as your selected coverage, deductible and available discounts, can affect your premium. You can start an online quote or find an agent to learn more about available options.
Kemper Auto lists several discounts that may be available to eligible drivers, including:
- Paid-in-full discount: Paying your premium in full may qualify you for a discount.
- Proof of prior insurance discount: Previous auto insurance coverage may help you qualify.
- Multi-car discount: Having more than one vehicle on the same policy may provide savings.
- Good student discount: Eligible full-time students may qualify based on academic performance.
Discount eligibility and availability may vary. Explore available car insurance discounts and ask an independent insurance agent or broker which ones may apply to your policy.
Driving without the required insurance can affect both your license and your ability to keep your vehicle on the road. Depending on the circumstances, penalties may include:
- Driver’s license and license plate suspension up to three years
- Reinstatement fees ranging from $150 to $500
- Additional financial responsibility requirements like an SR-22
Florida may suspend driving privileges for up to three years in certain financial responsibility cases. Review current requirements with Florida Highway Safety and Motor Vehicles.
Kemper Auto offers SR-22 insurance for Orlando drivers who may need it after certain serious driving or insurance violations. Kemper Auto also offers FR-44 insurance to Orlando drivers following a qualifying offense, including certain DUI-related situations. Florida’s FR-44 requirements include liability limits of $100,000 per person, $300,000 per accident and $50,000 for property damage (100/300/50).
Kemper Auto can electronically file the applicable certificate with the state for qualifying drivers.
Contact an agent near you to get started or call 877-352-0068.
Getting car insurance quotes starts with a few basic details. Having your information ready can make the process easier.
- Identification: Have your driver’s license or another accepted form of identification available.
- Vehicle details: Gather the year, make and model of your vehicle, along with the VIN when available.
- Driving history: Be ready to provide information about accidents, tickets or other driving history.
- Current coverage: If you already have insurance, keep your current policy information nearby.
- Downtown Orlando
- College Park
- Winter Park
- Dr. Phillips
- MetroWest
- Pine Hills
- Baldwin Park
- Kissimmee
- Altamonte Springs
- Lake Nona
