Cheapest Auto Insurance in Orlando, Florida (2024)
Orlando drivers can find the cheapest insurance from State Farm, which has liability rates starting at $71 per month.
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Written byNick Dauk
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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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.
Updated November 21, 2024
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Table of contents
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 $215 per month. By comparison, the state average is $203, and the national average is $154 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.
Quick Facts
State Farm, GEICO, and Mile Auto have the cheapest car insurance in Orlando.
The average monthly cost of full-coverage car insurance in Orlando is $263, and liability averages $167.
If you’re a high-risk driver with a DUI conviction in Florida, you may need to file an FR-44 certificate, which requires higher minimum insurance requirements.[1]
3 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.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Hugo | 7.0 | N/A | $340 | Temporary Coverage |
| State Farm | 9.3 | $83 | $68 | Rideshare drivers |
| GEICO | 9.0 | $86 | $86 | Teen drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Best insurer for temporary coverage: Hugo
| User Reviews | 4.1 |
|---|---|
| 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. | 7.0 /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. | $340/mo |
4.1
Best choiceBased on 121 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (45)
Javier
November 12, 2024
Verified Purchase
Hugo Insurance is the Best
Hugo was wonderful. We paid for car insurance at a good, low price. It was exactly what we needed to look into. Due to our income, paying for two vehicles for less than $100 is an awesome price. Thank you, Hugo. I recommend others to try it out.
Gabrielle
November 2, 2024
Verified Review
Good
The price is amazing.
Dawn
October 21, 2024
Verified Review
Paying Too Much
It's pretty expensive and they don't really provide much coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy 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
| User Reviews | 4.2 |
|---|---|
| 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. | $89/mo |
4.2
Best choiceBased on 9040 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
| User Reviews | 4.0 |
|---|---|
| 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. | 9.0 /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. | $91/mo |
4.0
Best choiceBased on 10275 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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 $71 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 $167 per month. Here are some options for cheap liability-only car insurance in Orlando, based on Insurify data.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $71 |
| GEICO | $73 |
| Mile Auto | $121 |
| Allstate | $124 |
| Travelers | $147 |
| Mercury | $162 |
| Direct Auto | $169 |
| Safeco | $189 |
| Progressive | $193 |
| Infinity | $205 |
| Foremost | $220 |
| GAINSCO | $237 |
| Dairyland | $239 |
| Bristol West | $262 |
| AssuranceAmerica | $267 |
| National General | $295 |
| The General | $324 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $263 for full coverage. Here are the cheapest full-coverage car insurance companies in Orlando, based on Insurify data.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $89 |
| GEICO | $91 |
| Allstate | $154 |
| Mile Auto | $156 |
| Travelers | $183 |
| Safeco | $197 |
| Mercury | $202 |
| Progressive | $283 |
| Infinity | $288 |
| National General | $308 |
| GAINSCO | $328 |
| Direct Auto | $329 |
| Foremost | $334 |
| Bristol West | $375 |
| Dairyland | $416 |
| AssuranceAmerica | $444 |
| The General | $461 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Orlando, Florida
Drivers using Insurify have found quotes as cheap as $46/mo for liability only and $71/mo for full coverage in Orlando and other Florida cities.
*Quotes generated for Insurify users in and around Orlando, Florida within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Orlando, Florida within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes 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 $82 for drivers with an incident
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Based on 3,806+ 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 $204 for liability-only insurance and $321 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 are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $71 | $85 |
| GEICO | $73 | $88 |
| Mile Auto | $121 | $147 |
| Allstate | $124 | $150 |
| Travelers | $147 | $179 |
| Mercury | $162 | $211 |
| Direct Auto | $169 | $204 |
| Safeco | $189 | $232 |
| Progressive | $193 | $231 |
| Infinity | $205 | $256 |
| Foremost | $220 | $287 |
| GAINSCO | $237 | $310 |
| Dairyland | $239 | $288 |
| Bristol West | $262 | $319 |
| AssuranceAmerica | $267 | $322 |
| National General | $295 | $358 |
| The General | $324 | $399 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $346 per month; liability is $220 per month. Here are the average monthly rates of insurers that offer coverage to Orlando drivers following an accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $71 | $91 |
| GEICO | $73 | $95 |
| Mile Auto | $121 | $161 |
| Allstate | $124 | $161 |
| Travelers | $147 | $192 |
| Mercury | $162 | $225 |
| Direct Auto | $169 | $224 |
| Safeco | $189 | $242 |
| Progressive | $193 | $252 |
| Infinity | $205 | $259 |
| Foremost | $220 | $304 |
| GAINSCO | $237 | $293 |
| Dairyland | $239 | $306 |
| Bristol West | $262 | $339 |
| AssuranceAmerica | $267 | $338 |
| National General | $295 | $381 |
| The General | $324 | $427 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Is Accident Forgiveness Insurance Worth It?
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.[1] 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 $399 for full-coverage car insurance and $253 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 are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $71 | $112 |
| GEICO | $73 | $116 |
| Mile Auto | $121 | $191 |
| Allstate | $124 | $196 |
| Travelers | $147 | $233 |
| Mercury | $162 | $236 |
| Direct Auto | $169 | $267 |
| Safeco | $189 | $276 |
| Progressive | $193 | $305 |
| Infinity | $205 | $324 |
| Foremost | $220 | $348 |
| GAINSCO | $237 | $375 |
| Dairyland | $239 | $378 |
| Bristol West | $262 | $415 |
| AssuranceAmerica | $267 | $423 |
| National General | $295 | $467 |
| The General | $324 | $513 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $134 per month for a liability-only policy and $211 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 are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $68 | $54 |
| GEICO | $71 | $57 |
| Mile Auto | $116 | $90 |
| Allstate | $122 | $98 |
| Travelers | $141 | $113 |
| Mercury | $157 | $126 |
| Safeco | $166 | $159 |
| Progressive | $201 | $137 |
| Infinity | $218 | $155 |
| National General | $232 | $222 |
| Direct Auto | $253 | $130 |
| Foremost | $263 | $173 |
| GAINSCO | $271 | $196 |
| Bristol West | $296 | $207 |
| Dairyland | $327 | $188 |
| AssuranceAmerica | $330 | $199 |
| The General | $368 | $259 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: GEICO
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 $435 for full coverage and $276 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 are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ |
|---|---|---|
| GEICO | $143 | $115 |
| State Farm | $151 | $120 |
| Allstate | $271 | $218 |
| Mile Auto | $299 | $232 |
| Travelers | $327 | $263 |
| Mercury | $353 | $283 |
| Safeco | $375 | $360 |
| Progressive | $490 | $334 |
| Infinity | $511 | $364 |
| GAINSCO | $559 | $404 |
| Foremost | $586 | $386 |
| Direct Auto | $594 | $305 |
| National General | $600 | $575 |
| Bristol West | $623 | $436 |
| Dairyland | $661 | $380 |
| The General | $721 | $507 |
| AssuranceAmerica | $806 | $485 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Orlando?
Compared to the Florida state average of $248 per month for a full-coverage policy, Orlando is slightly higher, at $263 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 | $310 | $202 |
| Fort Myers | $223 | $136 |
| Jacksonville | $247 | $148 |
| Lakeland | $229 | $149 |
| Miami | $354 | $217 |
| Ocala | $207 | $132 |
| Pompano Beach | $302 | $210 |
| Saint Petersburg | $268 | $180 |
| Tampa | $332 | $232 |
| West Palm Beach | $310 | $216 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Orlando car insurance FAQs
Check out Insurify’s insights on the states with the most uninsured drivers and the answers to these common questions about car insurance in Orlando.
How much is car insurance in Orlando?
The average cost of car insurance in Orlando is $167 per month for liability-only coverage and $263 per month for full coverage. These rates are slightly higher than the state averages and significantly higher than the national averages.
Which company has the cheapest car insurance rates in Orlando?
State Farm is the cheapest insurance company for Orlando drivers, Insurify data indicates. The company offers liability rates as low as $71 per month.
GEICO and Mile Auto also offer cheap insurance for Orlando residents, with monthly liability-only rates of $73 and $121, respectively.
What are the best car insurance companies in Orlando?
The best car insurance companies in Orlando include Allstate, GEICO, and State Farm. These insurers have the lowest full-coverage rates in the city and high IQ Scores. But the best auto insurer for you in Orlando will depend on your unique situation and coverage needs, so it’s important to compare quotes from multiple companies to find the best rates.
Is car insurance cheaper in Orlando or Tampa?
Car insurance is cheaper, on average, in Orlando than in Tampa. Tampa’s average full-coverage car insurance rates are $332 per month, while Orlando’s average rates are $263 per month.
What factors affect the cost of car insurance in Orlando?
Your age, credit history, driving history, vehicle, annual miles driven, and ZIP code affect the cost of your car insurance in Orlando. Additionally, Orlando’s rate of accidents, cost of car repairs, and traffic density affect rates for every driver in the city. High tourism rates to destinations like Walt Disney World, Universal Orlando, and other popular attractions can also affect average auto premium costs for people in the area.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Florida
Sources
- Online Sunshine. "324.023 Financial responsibility for bodily injury or death.."
- Polk County Sheriff's Office. "PCSO continues traffic safety initiative along I-4 in January; deputies conduct 425 traffic stops and write 312 citations."
- U.S. Department of Transportation. "7. Implementing Variable Speed Limits."
- Florida Highway Safety and Motor Vehicles. "TRAFFIC CRASH REPORTS Crash Dashboard."
- CDC. "Sobering Facts: Alcohol-Impaired Driving FLORIDA."
- U.S. Census Bureau. "QuickFacts Orlando city, Florida."
- Florida Highway Safety and Motor Vehicles. "DRIVING SAFETY Teen Drivers."
- The Florida Senate. "2011 Florida Statutes."
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Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Courtney MikulskiSenior Editor, Auto
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Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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