Cheapest Auto Insurance in Orlando, Florida (2025)

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.

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 $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 1,220 reviews	Overall rating 4.1 6,167 reviews	Overall rating 3.9 6,507 reviews	Overall rating 4.1 49 reviews	Overall rating 3.8 1,193 reviews	Overall rating 3.3 7,102 reviews	Overall rating 3.4 484 reviews
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 3.4/5	Customer service 3.1/5
Claims handling 4.9/5	Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 3.7/5	Claims handling 4.0/5	Claims handling 3.5/5	Claims handling 3.3/5
Special highlight AI-generated from 1220 user reviews Members of the military community	Special highlight AI-generated from 6167 user reviews Customer service	Special highlight AI-generated from 6507 user reviews Teen drivers	Special highlight AI-generated from 49 user reviews Low-mileage drivers	Special highlight AI-generated from 1193 user reviews Bundling discounts	Special highlight AI-generated from 7102 user reviews Competitive rates	Special highlight AI-generated from 484 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	4.1 57 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.	$91/mo

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Driver Reviews

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!

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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	4.1 6,167 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.	$113/mo

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Driver Reviews

4.1

Best choiceBased on 11,626 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 (6,167)

Eddie

Verified Review

Comparing Insurance Premium

Reviewed in New York on September 2025

Comparing the amount I pay for coverage with State Farm to other insurance companies, I find that I pay less with them.

Michael

Verified Review

State Farm Car Insurance

Reviewed in Utah on September 2025

I've had no problems with State Farm, although their prices are a bit higher than those of other auto insurance companies.

Joel

Verified Review

Service Performance

Reviewed in Pennsylvania on September 2025

Very well pleased with the service.

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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	3.9 6,507 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.	$160/mo

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Driver Reviews

3.9

A solid optionBased on 12,250 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 (6,507)

Mckenzie

Verified Purchase

Best experience I've ever had with purchasing insurance for a vehicle!

Reviewed in on September 2025

They were fast, friendly, and only asked me questions that needed to be asked.

Nicholas

Verified Review

Geico not so good.

Reviewed in New York on September 2025

They don’t pay out claims easily. They keep raising rates even though I have a clean driving record and barely drive.

Kathleen

Verified Review

Geico Insurance

Reviewed in California on September 2025

Their insurance is too high; the rates go up every year just so they can add to their pockets. It's sad that you have no choice.

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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 $105 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 $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

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.

Read Editorial Guidelines

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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

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.

Read Editorial Guidelines

View Full Bio

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.

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

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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

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.

Read Editorial Guidelines

View Full Bio

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

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.

Read Editorial Guidelines

View Full Bio

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.

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

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.

Read Editorial Guidelines

View Full Bio

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

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.

Read Editorial Guidelines

View Full Bio

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

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.

Read Editorial Guidelines

View Full Bio

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.

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 $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