Cheapest Auto Insurance in Orlando, Florida (2026)

Florida has some of the highest car insurance costs in the country, and Orlando drivers see even higher rates. The overall average cost of car insurance in the home of Disney World and Universal Studios is $205 per month. By comparison, the state average is $184, and the national average is $136 per month for car insurance.

While rates are high, it’s possible to find affordable car insurance in Orlando if you’re willing to take the time to compare quotes and shop around for the best insurers.

7 of the cheapest car insurance companies in Orlando 

The cheapest car insurance companies in Orlando may offer discounts or incentive savings that could influence rates, making one insurer’s premium less expensive than the cheapest insurer. The best auto insurance company for you will depend on your individual situation and needs.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $77/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $111/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $169/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $149/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $160/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $162/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $214/mo*
Overall rating 4.9 1,477 reviews	Overall rating 4.0 7,176 reviews	Overall rating 4.0 7,420 reviews	Overall rating 4.5 65 reviews	Overall rating 3.8 1,120 reviews	Overall rating 3.2 8,126 reviews	Overall rating 3.3 528 reviews
Value for money 4.9/5	Value for money 3.7/5	Value for money 3.8/5	Value for money 4.0/5	Value for money 3.2/5	Value for money 3.0/5	Value for money 3.0/5
Customer service 4.8/5	Customer service 4.2/5	Customer service 4.1/5	Customer service 3.3/5	Customer service 3.7/5	Customer service 3.3/5	Customer service 3.1/5
Claims handling 4.9/5	Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 3.8/5	Claims handling 3.8/5	Claims handling 3.3/5	Claims handling 3.1/5
Special highlight AI-generated from 1477 user reviews Members of the military community	Special highlight AI-generated from 7176 user reviews Customer service	Special highlight AI-generated from 7420 user reviews Teen drivers	Special highlight AI-generated from 65 user reviews Low-mileage drivers	Special highlight AI-generated from 1120 user reviews Bundling discounts	Special highlight AI-generated from 8126 user reviews Competitive rates	Special highlight AI-generated from 528 user reviews High-risk drivers

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for temporary coverage: Hugo

Temporary coverage

Compare Quotes

User Reviews	4.5 64 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	6.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$199/mo

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Driver Reviews

4.5

Best choice in Orlando, FLBased on 192 verified driver reviews and ratings

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

Best in Orlando for

Micropayments

No down payments

Fast coverage

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

Best in Orlando for

Micropayments

No down payments

Fast coverage

Showing recent national reviews - See all 64 Hugo reviews

Angela

Verified Purchase

Affordable

Reviewed in Texas on February 2, 2026

Love that you can pay it freely by the day, week, or month.

Theola

Verified Purchase

Awesome and Affordable

Reviewed in Illinois on February 1, 2026

Awesome price with coverage.

Peter

Verified Review

Excellent

Reviewed in Alabama on January 31, 2026

Hugo has the best liability insurance and the cheapest.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Drivers in Orlando can qualify for this insurtech provider that boasts no hidden fees and benefit from its cheap car insurance coverage. The company’s tech-driven approach makes it a good option for Orlando drivers who don’t want to choose a traditional auto insurer and want to make policy changes from their phones. Unfortunately, Hugo’s Flex plan isn’t available to Florida drivers, and it offers fewer optional coverages than other auto insurers.

Pros

• No hidden fees

• Overdraft protection and flexible coverage extension available

Cons

• FR-44 insurance not available

• Flex plans not available in Florida

Best insurer for rideshare drivers: State Farm

rideshare drivers

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User Reviews	4.0 7,176 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$131/mo

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Driver Reviews

4.0

Best choice in Orlando, FLBased on 15,788 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Orlando for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Orlando for

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Florida reviews for Orlando drivers - See all 7,176 State Farm reviews

Tajmahl

Verified Review

Rip-off

Reviewed in Florida on March 4, 2026

Not great, but better than $300 a month.

Rosemary

Verified Review

Too Expensive

Reviewed in Florida on March 1, 2026

Very expensive. I've been with State Farm for over 40 years with no claims, and they are still raising rates on me.

Brian

Verified Review

Better insurance at a reasonable price

Reviewed in Florida on February 24, 2026

Too expensive. I've been with them for 20 plus years and can't get a break.

Begona

Verified Review

State Farm plays with numbers!

Reviewed in Florida on February 23, 2026

State Farm raised my payment in May 2025 to $352.30, June $352.30, July $355.42, August $355.42, September $355.43, October $467.60, November $495.20, December $495.20, January $464.27, February $468.58. This should be illegal; no notice in the mail. They are just playing with numbers, and I’m over it. That’s how I feel! This is crazy! Can State Farm do this? Tips to my friends: stay away.

Gregory

Verified Review

Excellent

Reviewed in Florida on February 22, 2026

The people I have dealt with are excellent, but I think it's a little expensive though.

Maryann

Verified Review

Not saving much money

Reviewed in Florida on February 21, 2026

It's a little cheaper than my old insurance, but not by much. I maybe saved less than $90.

Richard

Verified Review

Rating State Farm Insurance

Reviewed in Florida on February 20, 2026

It has been reasonable until the last few years. Florida insurance is twice as high as in some other states.

Alice

Verified Review

Great Review

Reviewed in Florida on February 19, 2026

I would like a lower payment. A senior discount with a clean driving record would be nice, but I trust my agent.

Dorothy

Verified Review

Good change

Reviewed in Florida on February 15, 2026

Check it out. I saved a great deal of money.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

When driving for Uber, Lyft, or another transportation network company (TNC), some Orlando rideshare drivers may feel more comfortable with coverage from a nationally based insurer like State Farm. State Farm maintains an superior financial strength rating from AM Best, meaning it should have no trouble paying out policyholder claims.

Though State Farm does have a number of discounts for eligible drivers, not all Orlando drivers may qualify. State Farm has lower average rates comparatively, but also poor reviews for customer service from users on the Better Business Bureau (BBB) and Trustpilot websites.

Pros

• Highest possible financial strength rating from AM Best

• Easy-to-add rideshare insurance

Cons

• Low customer satisfaction ratings

• Discounts offered may not be available for certain Florida vehicles and drivers

Best insurer for teen drivers: GEICO

teen drivers

Compare Quotes

User Reviews	4.0 7,420 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$204/mo

Show Details

Driver Reviews

4.0

Best choice in Orlando, FLBased on 16,013 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Orlando for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Orlando for

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 Florida reviews for Orlando drivers - See all 7,420 GEICO reviews

Roger

Verified Review

Raising rates for no reason other than greed

Reviewed in Florida on March 5, 2026

Rates just kept going up and up for no reason. Just corporate greed. Progressive is even worse. Dropping Progressive currently. Found insurance for $60 a month less with a lesser-known company.

John

Verified Review

Discounts for Auto Insurance

Reviewed in Florida on March 4, 2026

All was good until my policy lapsed for two or three days because I was in the hospital. Then, all of a sudden, my insurance jumped forty dollars a month, and it has remained there for some time. I feel like I am not getting the discounts that I should be receiving. I have had no tickets or accidents in over five years, yet I'm still paying a very high price for the cheapest insurance I could get. I shop all the time for insurance because I feel that Geico is not offering me the best deal.

Loretta

Verified Purchase

Buying Car Insurance

Reviewed in Florida on March 3, 2026

I was pleased with the price and experience.

Brett

Verified Review

GEICO keeps my rate lower than others - every time I check!

Reviewed in Florida on March 2, 2026

Consistently provides the least expensive rate for my coverage, which includes emergency service and rental.

Aleida

Verified Review

Not Very Good

Reviewed in Florida on February 27, 2026

After changing my address, my monthly payment increased by $31.

Russell

Verified Review

Excellent

Reviewed in Florida on February 26, 2026

No one can beat the price.

David

Verified Review

My Review

Reviewed in Florida on February 25, 2026

No problems at all.

Nicole

Verified Review

Been with them 6 months and my policy went up instead of down

Reviewed in Florida on February 22, 2026

It's okay.

Alan

Verified Review

What You Would Like to Hear

Reviewed in Florida on February 21, 2026

Very, very hard to work through. We have an antique computer and cannot print PDF files, on and on. Your claim reps were very good. I asked them to send everything through the US mail, which they have so far. We had a very hard time with the safe drivers school as my computer system does not seem up to the needs. Anyway, got through it and hopefully y'all have received a copy. Been with you for 40 years, so we do think well of you.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Car insurance rates for teens are often higher than all other age groups, which is why GEICO’s low average rates are great for drivers in Orlando. Its good student discount can knock up to 15% off your rate, which may be ideal for drivers attending high school or college. The DriveEasy app could help you save more, though it could increase your rate if it catches you engaging in high-risk driving habits.

Pros

• Discounts available for good students

• FR-44 insurance available

Cons

• Telematics app could increase prices

• Gap insurance not available

How to get the cheapest car insurance in Orlando

Getting the cheapest car insurance in Orlando doesn’t need to be tricky. Comparing rates from multiple insurers is a good way to find the lowest rate, as well as a way to keep the lowest rate. Insurers may change their discounts and incentive programs and offer you more money-saving perks if you switch.

Here are a few ways to get affordable car insurance in Orlando:

• Ask about discounts. Not all insurers list their available discounts publicly. Call a company’s insurance agent to verify which discounts the insurer offers and which of them you qualify for.

• Bundle multiple insurance products. Many insurers offer policy bundling discounts, which are discounts for having multiple policies — like buying homeowners or renters insurance with your auto insurance — with one company.

• Reconsider coverage. If you drive an older vehicle, you may not need high collision and comprehensive limits. Additionally, if you’ve paid off your financed vehicle, you can drop gap insurance from your policy. Review your car insurance declaration page and reconsider your coverage options to see where you can trim back while still staying protected.

Find Cheap Car Insurance in Orlando

Liability rates start at $121 per month

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Cheapest liability-only car insurance in Orlando: State Farm

Liability-only car insurance is the minimum level of car insurance a driver needs to carry to operate a vehicle. Essentially, liability-only coverage pays for damages or injuries you cause another person or their property in an at-fault accident. Florida’s minimum requirements include personal injury protection and property damage liability, which means that all Orlando drivers must meet at least those coverage requirements.

Liability insurance in Orlando costs an average of $182 per month. Here are some options for cheap liability-only car insurance in Orlando, based on Insurify data.

The below rates in Orlando, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote
State Farm	$121
Mile Auto	$147
Progressive	$160
GAINSCO	$164
Direct Auto	$177
Mercury	$180
GEICO	$182
The General	$196
Bristol West	$201
Infinity	$202
National General	$207
AssuranceAmerica	$209
Allstate	$211
Travelers	$251
Root	$258
Liberty Mutual	$371

Disclaimer: Table data sourced from real-time Orlando car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Orlando may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Orlando: State Farm

You may see two basic policies when you’re searching for car insurance: liability-only and full-coverage policies. Insurers may define their full-coverage policies differently, but full-coverage policies generally add comprehensive coverage and collision coverage to a liability-only policy to provide more protection.

Full-coverage policies are optional, but drivers who live in major tourism hubs like Orlando may want to consider this additional coverage.

Orlando drivers pay a monthly average of $229 for full coverage. Here are the cheapest full-coverage car insurance companies in Orlando, based on Insurify data.

The below rates in Orlando, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote
State Farm	$131
Mile Auto	$192
GEICO	$204
Progressive	$209
Mercury	$218
Allstate	$230
Direct Auto	$240
National General	$241
Travelers	$273
Bristol West	$275
The General	$292
Infinity	$297
GAINSCO	$307
AssuranceAmerica	$333
Root	$336
Liberty Mutual	$372

Disclaimer: Table data sourced from real-time Orlando car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Orlando may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Florida

Florida is a no-fault state, which means that all Orlando drivers must carry personal injury protection insurance (PIP) to pay for damages and injuries no matter who’s at fault for the accident.

When registering a vehicle in Florida, Orlando drivers must have a minimum level of PIP and property damage liability insurance. You must also maintain this coverage as long as your vehicle is registered, no matter how often you drive your car or if it’s broken down.

• 

  Property damage liability

  • $10,000 per accident

• 

  Personal injury protection (PIP)

  • $10,000 per accident

Florida requires state-minimum coverages, but they aren’t the only coverages you may need to feel fully protected on the road. If you need an added level of protection from unexpected events, such as hit-and-runs or storm damage, ask about these optional coverages:

• 

  Comprehensive coverage

  Comprehensive insurance applies to non-collision damages, such as theft, vandalism, fire, severe weather, falling objects, or hitting an animal, such as a deer.

• 

  Collision coverage

  Collision insurance covers your damages if you’re involved in an at-fault accident with another car or object, such as a tree, fence, or light pole. Collision also covers rollover accidents and damage caused by hitting a pothole.

• 

  Uninsured/underinsured motorist coverage

  About 20% of Florida drivers are uninsured, according to the Insurance Research Council — one of the highest rates in the U.S. Uninsured/underinsured motorist coverage protects you if an uninsured or underinsured driver is at fault in an accident and can’t cover your damages.

• 

  Rental car reimbursement coverage

  This pays for a rental car, up to the policy limits, while your vehicle is at a body shop for repairs and you can’t drive it.

Cheapest car insurance for drivers with an incident

Speeding tickets and other moving violations can increase your rates for several years, while a history of at-fault accidents or driving under the influence can cause your insurance company to not renew your policy at the end of the term.^[2]

These incidents may increase rates because you either drove in a way that increases your likelihood of an accident or you were in an incident that caused your insurer to pay for damages or injuries. And if you have a DUI conviction on your record, Florida may require you to file an FR-44 certificate, which increases your state-minimum car insurance requirements for three years.^[1]

Find Car Insurance in Orlando

Monthly rates start at $144 for drivers with an incident

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4.7 out of 5 based on 12,427 reviews

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Orlando has major highways running through and around the city, though many stretches of these roadways may have lower speed limits in more congested areas. For example, Interstate 4 runs across the state at a speed limit between 65 mph and 70 mph, though in downtown Orlando, normal limits range between 50 mph and 55 mph.^[3] [4]

Because speeding is a frequent factor in car crashes, insurers consider speeding a risky behavior.

Orlando drivers who have speeding tickets face average monthly car insurance rates of $211 for liability-only insurance and $265 for full coverage. If you have a speeding ticket in Orlando, here are the cheapest car insurance companies to start your search for affordable insurance.

The below rates in Orlando, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$121	$148
Mile Auto	$147	$173
Progressive	$160	$185
GAINSCO	$164	$188
Direct Auto	$177	$213
Mercury	$180	$243
GEICO	$182	$229
The General	$196	$253
Bristol West	$201	$243
Infinity	$202	$248
National General	$207	$248
AssuranceAmerica	$209	$256
Allstate	$211	$265
Travelers	$251	$314
Root	$258	$332
Liberty Mutual	$371	$455

Disclaimer: Table data sourced from real-time Orlando car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Orlando may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

In 2022, Orange County, which includes Orlando, reported 26,263 car crashes to the Florida Highway Patrol. Neighboring counties like Seminole reported 6,177, Lake reported 5,189, and Osceola reported 6,533 — a combined amount fewer than Orange.^[5]

Although some insurers offer accident forgiveness programs for qualified drivers, an at-fault accident will increase your rates more often than not. Remember that you don’t have to hit another driver to be considered in an at-fault accident. At-fault accidents can include damages from hopping a curb or running into a telephone pole.

On average, full coverage costs Orlando drivers with an accident on their records $287 per month; liability is $228 per month. Here are the average monthly rates of insurers that offer coverage to Orlando drivers following an accident.

The below rates in Orlando, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Clean Driving Record	With Accident
State Farm	$121	$156
Mile Auto	$147	$193
Progressive	$160	$200
GAINSCO	$164	$204
Direct Auto	$177	$235
Mercury	$180	$265
GEICO	$182	$230
The General	$196	$263
Bristol West	$201	$257
Infinity	$202	$254
National General	$207	$268
AssuranceAmerica	$209	$271
Allstate	$211	$275
Travelers	$251	$329
Root	$258	$335
Liberty Mutual	$371	$481

Disclaimer: Table data sourced from real-time Orlando car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Orlando may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Florida often has a higher alcohol-impaired driving death rate than the national average.^[6] Getting a DUI in Orlando can cause higher rates for car insurance, result in FR-44 insurance requirements, and cause your insurer to not renew your policy at the end of the policy term.It may also make it difficult to find new coverage. In Florida, a DUI remains on your record for 75 years and can’t be expunged.

Orlando drivers with DUIs face average monthly rates of $324 for full-coverage car insurance and $258 for liability coverage. Still, high-risk drivers in Orlando may be able to find rates lower than the average through the following insurers.

The below rates in Orlando, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Clean Driving Record	With DUI
State Farm	$121	$174
Mile Auto	$147	$212
Progressive	$160	$227
GAINSCO	$164	$236
Direct Auto	$177	$255
Mercury	$180	$272
GEICO	$182	$261
The General	$196	$283
Bristol West	$201	$290
Infinity	$202	$291
National General	$207	$298
AssuranceAmerica	$209	$301
Allstate	$211	$304
Travelers	$251	$362
Root	$258	$376
Liberty Mutual	$371	$535

Disclaimer: Table data sourced from real-time Orlando car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Orlando may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

About 10% of Orlando’s population are older than 65 and could still be driving.^[7] While rates for car insurance decrease around age 35, the increased potential for diminished driving capabilities often causes insurance rates to rise for drivers in their 70s.

On average, car insurance for senior drivers in Orlando costs $163 per month for a liability-only policy and $205 for full coverage. Even though auto rates generally increase, some insurers offer senior drivers discounts for good driving habits and driving fewer miles than average.

The below rates in Orlando, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Full Coverage	Liability Only
State Farm	$105	$97
Mile Auto	$154	$118
GEICO	$166	$148
Mercury	$178	$147
Progressive	$188	$144
Allstate	$191	$175
National General	$194	$166
Direct Auto	$198	$146
Infinity	$223	$151
Travelers	$223	$205
Bristol West	$233	$171
The General	$250	$168
GAINSCO	$266	$142
AssuranceAmerica	$266	$167
Root	$287	$220
Liberty Mutual	$317	$316

Disclaimer: Table data sourced from real-time Orlando car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Orlando may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Compared to the state average, Orange County has a lower teen death crash rate. More than 800,000 teen drivers are on Florida’s roads, and this age group tends to have a higher rate of fatal crashes across the nation.^[8]

A lack of experience, overconfidence, and distractions increase the likelihood of a crash, which is why teen insurance rates are higher than other age groups. Orlando teenagers pay monthly averages of $397 for full coverage and $315 for liability only. But teens may receive lower rates when staying on a parents’ insurance policy or through discounts eligible for students who maintain good grades.

The below rates in Orlando, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Full Coverage	Liability Only
State Farm	$249	$230
GEICO	$357	$318
Progressive	$362	$277
Mile Auto	$388	$297
Mercury	$394	$326
Allstate	$446	$409
Direct Auto	$453	$334
National General	$478	$411
Bristol West	$480	$351
The General	$500	$335
Infinity	$541	$368
GAINSCO	$549	$293
Travelers	$556	$511
Root	$567	$435
Liberty Mutual	$640	$638
AssuranceAmerica	$678	$425

Disclaimer: Table data sourced from real-time Orlando car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Orlando may vary based on the policy buyer's unique driver profile.

Orlando car insurance quotes by credit tier

Florida allows insurers to use your credit history to calculate a credit-based insurance score when setting premiums, but only as one of many other factors influencing their underwriting decision.

Even though credit scores aren’t the sole determinant of your rates, most insurers tend to write lower premium rates for drivers with excellent or good credit scores and higher rates for people with poor credit scores.

Is car insurance more expensive in Orlando?

Compared to the Florida state average of $203 per month for a full-coverage policy, Orlando is slightly higher, at $229 per month. Compared to other cities, Orlando tends to be within a 10% variance, including both large cities like Miami and smaller cities like Lakeland.

Many factors influence the cost of car insurance in Florida, including accident frequency and severity, the cost of repairs in your area, vehicle theft and vandalism rates in your ZIP code, and even the vehicle you drive.

More cities in Florida

Orlando has a higher average compared to most Florida cities. Fort Myers and Ocala are much cheaper than Orlando, potentially because of their much smaller populations and less congested highways. Similarly, Tampa may have a higher rate because of more congested roadways and higher accident frequency and severity.

See how rates compare for other Florida cities in the table below.

City	Full Coverage	Liability Only
Fort Lauderdale	$222	$186
Fort Myers	$194	$146
Jacksonville	$206	$163
Lakeland	$203	$156
Miami	$260	$204
Ocala	$189	$163
Pompano Beach	$226	$176
Saint Petersburg	$194	$155
Tampa	$262	$205
West Palm Beach	$224	$192

Disclaimer: Table data is based on real-time Orlando quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Orlando car insurance FAQs