Cheapest Auto Insurance in Orlando, Florida (2025)
Orlando drivers can find the cheapest insurance from State Farm, which has liability rates starting at $105 per month.
Secure. Free. Easy-to-use.
Excellent
)
Written byNick Dauk
)
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.
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
Edited byCourtney Mikulski
)
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
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.
)
Data reviewed byKonstantin 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.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
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 $203 per month. By comparison, the state average is $182, and the national average is $143 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, Mile Auto, and GEICO have the cheapest car insurance in Orlando.
The average monthly cost of full-coverage car insurance in Orlando is $230, and liability averages $175.
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]
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.
 |  |  |  |  |  |  |
|---|---|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $74/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $102/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $148/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $137/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $163/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $197/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $261/mo* |
Overall rating 4.9 | Overall rating 4.1 | Overall rating 3.9 | Overall rating 4.1 | Overall rating 3.8 | Overall rating 3.3 | Overall rating 3.4 |
Value for money 4.9/5 | Value for money 3.8/5 | Value for money 3.7/5 | Value for money 4.0/5 | Value for money 3.6/5 | Value for money 3.3/5 | Value for money 3.2/5 |
Customer service 4.7/5 | Customer service 4.1/5 | Customer service 3.9/5 | Customer service 3.7/5 | Customer service 3.8/5 | 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 3.6/5 | Claims handling 4.0/5 | Claims handling 3.4/5 | Claims handling 3.3/5 |
Special highlight Members of the military communityAI-generated from 1215 user reviews | Special highlight Customer serviceAI-generated from 6132 user reviews | Special highlight Teen driversAI-generated from 6480 user reviews | Special highlight Low-mileage driversAI-generated from 48 user reviews | Special highlight Bundling discountsAI-generated from 1190 user reviews | Special highlight Competitive ratesAI-generated from 7049 user reviews | Special highlight High-risk driversAI-generated from 480 user reviews |
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
| 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. | 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. | $91/mo |
4.1
Best choiceBased on 156 verified guest 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 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 For
Micropayments
No down payments
Fast coverage
Reviews (57)
Andrea
Verified Review
Excellent
Reviewed in Georgia on April 2025
Hugo is awesome.
Donna
Verified Review
No Thanks
Reviewed in Georgia on April 2025
In my experience, Hugo is an option for people who are struggling. However, it seems to exploit those who are struggling because the insurance only covers the minimum requirements. This means that the policyholder will be fully responsible and have to pay out of pocket for anything that goes wrong with the vehicle.
Rebekah
Verified Review
Never Able to Speak with Customer Service, So I Switched!
Reviewed in Georgia on March 2025
I was never able to speak with someone, so I switched!
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 | 4.1 |
|---|---|
| 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. | 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. | $113/mo |
4.1
Best choiceBased on 11,527 verified guest 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 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 For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,132)
Diane
Verified Review
Rates are so high
Reviewed in Arizona on September 2025
Excellent agent.
Rose
Verified Review
Good Company
Reviewed in Michigan on August 2025
Good insurance company.
Heriberto
Verified Review
Okay handling accidents, but prices keep rising
Reviewed in New Jersey on August 2025
The policy prices keep increasing every 6 months, which is not good.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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 | 3.9 |
|---|---|
| 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. | $160/mo |
3.9
A solid optionBased on 12,160 verified guest 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 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 For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,480)
Bekki
Verified Review
Okay
Reviewed in California on September 2025
Lowest prices I've found. Wish they were cheaper as I'm on a fixed income and hardly drive.
Saranan
Verified Review
Geico is good, but could be better on pricing.
Reviewed in Florida on August 2025
My experience has been very good, but I wish I could lower my premiums. That is the reason I am looking to other companies.
Debbie
Verified Review
Don't Use Mercury
Reviewed in Georgia on August 2025
They helped when my previous carrier, Mercury, failed through no fault of mine. I had received a renewal email for the new coverage period and a payment processed email. I entered the correct expiration date myself online with their agent on the phone with me. The agency had been using my updated card for several months for my homeowners insurance.
I did not realize until the state sent a letter with a notice that I was driving without car insurance, resulting in a $25 fine.
This resulted in a lapse of coverage, my first since I started driving at 14. This will cost me $500+ over 5 years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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 $105 per month
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
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 $175 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: Monday, September 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 | $105 |
| Mile Auto | $126 |
| GEICO | $158 |
| Direct Auto | $168 |
| Progressive | $176 |
| Mercury | $184 |
| Allstate | $184 |
| Infinity | $206 |
| Foremost | $215 |
| Travelers | $218 |
| Bristol West | $221 |
| Root | $226 |
| The General | $237 |
| National General | $241 |
| GAINSCO | $244 |
| AssuranceAmerica | $339 |
| Liberty Mutual | $455 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $230 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: Monday, September 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 | $113 |
| GEICO | $160 |
| Mile Auto | $168 |
| Allstate | $197 |
| Mercury | $230 |
| Travelers | $234 |
| Progressive | $246 |
| National General | $252 |
| Direct Auto | $278 |
| Infinity | $295 |
| Bristol West | $302 |
| The General | $322 |
| Foremost | $353 |
| Root | $353 |
| GAINSCO | $378 |
| Liberty Mutual | $472 |
| AssuranceAmerica | $476 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $52/mo for liability only and $80/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 September 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 September 1, 2025. 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 September 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 September 1, 2025. 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 $120 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
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 $235 for liability-only insurance and $308 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: Monday, September 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 | $105 | $135 |
| Mile Auto | $126 | $156 |
| GEICO | $158 | $210 |
| Direct Auto | $168 | $219 |
| Progressive | $176 | $236 |
| Mercury | $184 | $259 |
| Allstate | $184 | $238 |
| Infinity | $206 | $265 |
| Travelers | $218 | $285 |
| Bristol West | $221 | $289 |
| Root | $226 | $305 |
| The General | $237 | $325 |
| National General | $241 | $312 |
| GAINSCO | $244 | $305 |
| AssuranceAmerica | $339 | $420 |
| Liberty Mutual | $455 | $589 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $285 per month; liability is $217 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: Monday, September 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 | $105 | $132 |
| Mile Auto | $126 | $161 |
| GEICO | $158 | $190 |
| Direct Auto | $168 | $221 |
| Progressive | $176 | $218 |
| Mercury | $184 | $259 |
| Allstate | $184 | $231 |
| Infinity | $206 | $256 |
| Travelers | $218 | $277 |
| Bristol West | $221 | $281 |
| Root | $226 | $278 |
| The General | $237 | $314 |
| National General | $241 | $306 |
| GAINSCO | $244 | $302 |
| AssuranceAmerica | $339 | $401 |
| Liberty Mutual | $455 | $578 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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.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 $299 for full-coverage car insurance and $227 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: Monday, September 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 | $105 | $148 |
| Mile Auto | $126 | $177 |
| GEICO | $158 | $222 |
| Direct Auto | $168 | $236 |
| Progressive | $176 | $229 |
| Mercury | $184 | $252 |
| Allstate | $184 | $259 |
| Infinity | $206 | $290 |
| Travelers | $218 | $306 |
| Bristol West | $221 | $311 |
| Root | $226 | $318 |
| The General | $237 | $333 |
| National General | $241 | $339 |
| GAINSCO | $244 | $343 |
| AssuranceAmerica | $339 | $476 |
| Liberty Mutual | $455 | $639 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $155 per month for a liability-only policy and $203 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: Monday, September 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 | $91 | $84 |
| GEICO | $130 | $128 |
| Mile Auto | $135 | $101 |
| Allstate | $164 | $153 |
| Travelers | $190 | $177 |
| Mercury | $193 | $155 |
| National General | $201 | $193 |
| Infinity | $214 | $149 |
| Progressive | $217 | $155 |
| Direct Auto | $228 | $138 |
| Bristol West | $254 | $186 |
| The General | $271 | $200 |
| Root | $303 | $194 |
| GAINSCO | $325 | $210 |
| AssuranceAmerica | $378 | $269 |
| Liberty Mutual | $402 | $387 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: 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 $396 for full coverage and $301 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: Monday, September 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 | $210 | $195 |
| GEICO | $279 | $275 |
| Mile Auto | $335 | $252 |
| Allstate | $377 | $352 |
| Mercury | $416 | $333 |
| Progressive | $423 | $303 |
| Travelers | $459 | $427 |
| National General | $500 | $478 |
| Bristol West | $524 | $383 |
| Infinity | $526 | $367 |
| Direct Auto | $532 | $321 |
| The General | $539 | $397 |
| Root | $597 | $382 |
| GAINSCO | $691 | $446 |
| Liberty Mutual | $809 | $780 |
| AssuranceAmerica | $928 | $661 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Orlando
Compare rates from up to 120+ top insurance companies
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
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 $209 per month for a full-coverage policy, Orlando is slightly higher, at $230 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 | $253 | $192 |
| Fort Myers | $206 | $149 |
| Jacksonville | $223 | $154 |
| Lakeland | $202 | $150 |
| Miami | $280 | $203 |
| Ocala | $191 | $139 |
| Pompano Beach | $247 | $190 |
| Saint Petersburg | $224 | $166 |
| Tampa | $285 | $214 |
| West Palm Beach | $258 | $191 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $175 per month for liability-only coverage and $230 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 $105 per month.
Mile Auto and GEICO also offer cheap insurance for Orlando residents, with monthly liability-only rates of $126 and $158, 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 $285 per month, while Orlando’s average rates are $230 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 500+ 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
)
Cheap Car Insurance Quotes in Florida Starting at $91
September 1, 2025
)
Best Home and Auto Insurance Bundle in Florida
September 1, 2025
)
Cheapest Full-Coverage Car Insurance in Florida
September 1, 2025
)
Car Insurance Discounts for Florida Drivers
September 1, 2025
)
Find a Car Insurance Broker in Florida
September 1, 2025
)
Can I Drive in Florida With a Foreign License?
February 10, 2025
)
Best Car Insurance in Florida for Teen Drivers
September 1, 2025
Best Car Insurance in Florida for Senior Drivers
September 1, 2025
)
Best Insurance for Antique and Classic Cars in Florida
September 1, 2025
)
Why Is Car Insurance So Expensive in Florida?
April 24, 2025
)
Uninsured Motorist Coverage in Florida
March 11, 2025
)
Non-Owner Car Insurance in Florida
September 1, 2025
)
How to Get a Florida Driver’s License
February 26, 2025
)
Best Car Insurance in Florida
September 1, 2025
)
How to Get Car Insurance in Florida
July 8, 2025
)
How Much Is Car Insurance for an 18-Year-Old in Florida?
September 1, 2025
)
Is Florida a No-Fault State for Auto Insurance?
February 27, 2025
)
Cheapest Low-Income Car Insurance in Florida
September 1, 2025
)
Temporary Car Insurance in Florida
September 1, 2025
)
Cheap SR-22 and FR-44 Insurance in Florida
September 1, 2025
)
Rideshare Insurance in Florida
September 1, 2025
)
Car Insurance Requirements in Florida
September 1, 2025
)
High-Risk Car Insurance in Florida Starting at $110
September 1, 2025
)
Compare Cheap Gap Insurance Companies in Florida
September 1, 2025
)
)
)
Cheap Car Insurance in West Palm Beach, FL, From $117
September 1, 2025
)
Cheapest Car Insurance in Winter Haven, FL,
September 1, 2025
)
Cheap Car Insurance in Tampa, Florida, From $129
September 1, 2025
)
Best Cheap Car Insurance in Tallahassee, FL, From $89
September 1, 2025
)
Best Cheap Car Insurance in Spring Hill, FL, From $99
September 1, 2025
)
Best Cheap Car Insurance in Sarasota, FL, From $76
September 1, 2025
)
Best Cheap Car Insurance in Saint Petersburg, FL, From $101
September 1, 2025
)
Cheapest Car Insurance in Riverview, Florida
September 1, 2025
)
Best Cheap Car Insurance in Pensacola, FL, From $85
September 1, 2025
)
Cheapest Car Insurance Quotes in Pompano Beach, FL
September 1, 2025
)
Cheap Car Insurance in Panama City, FL, Starting at $81
September 1, 2025
)
Cheap Car Insurance in Palm Bay, FL, Starting at $88
September 1, 2025
)
Best Cheap Car Insurance in Ocala, FL, From $86
September 1, 2025
)
Cheap Car Insurance in Naples, FL, Starting at $88
September 1, 2025
)
Cheap Car Insurance in Miami, FL, Starting at $125
September 1, 2025
)
Best Cheap Car Insurance in Lakeland, FL, From $91
September 1, 2025
)
Best Cheap Car Insurance in Melbourne, FL, From $85
September 1, 2025
Best Cheap Car Insurance in Jupiter, FL, From $91
September 1, 2025
)
Cheap Car Insurance in Jacksonville, FL, Starting at $98
September 1, 2025
)
Best Cheap Car Insurance in Gainesville, FL, From $78
September 1, 2025
)
Best Cheap Car Insurance in Fort Myers, FL, From $92
September 1, 2025
)
Best Cheap Car Insurance in Fort Lauderdale, FL, From $115
September 1, 2025
)
Best Cheap Car Insurance in Daytona Beach, FL, From $96
September 1, 2025
Cheapest Car Insurance Quotes in Davenport, FL,
September 1, 2025
)
)
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."
)
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.
Nick has been a contributor at Insurify since October 2022.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
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.
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.