Cheap Auto Insurance Quotes in Orlando, FL (2021)

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One of the most popular destinations in the Sunshine State, Orlando has a slew of tourists on its roadways—which makes life not quite “the happiest place on Earth” for those who don’t have Mickey on their mind. Making sure they have the right insurance policy is one thing that can help locals rest a little easier at the end of a long day.

Being America’s number one tourist destination has its pros and cons. Having 75 million visitors per year not only feeds Orlando’s bustling economy but has also created one of the fastest-growing job markets in the country. This bodes well for employment-seekers. Even though the money may come easy to some, it spends quick—so having an auto policy that gives residents what they need without being wasteful is high up on everyone’s to-do lists.

Car Insurance in Orlando, FL

The average cost of Florida car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Orlando, FL to find you the cheapest quotes in the area.

$101
$167
$198
$214
$217
GEICOState FarmProgressiveMercuryLiberty Mutual

Cheapest Car Insurance in Orlando

Here are the cheapest carriers in Orlando for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Orlando, FL

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Orlando. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

$383
$210
$455
$482
$534
$234
FloridaJacksonvilleMiamiTampaHialeahOrlando

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Orlando, FL Driving Facts

florida

Minimum Car Insurance Requirements in FL

All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:

  • $10,000 no-fault or personal injury protection (PIP) insurance

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Florida state is $10,000.  In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law.

  • $10,000 property damage liability (PDL) insurance

The state minimum amount of property damage liability coverag  required in the state of Florida is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident, up to the declared coverage limit.

Orlando Car Insurance Rates by Driver Age

Drivers of every age fill O-Town’s streets and highways daily. While they all have to follow the same road rules, each may be paying different insurance rates based on when they were born. Orlando drivers in their 20s pay more monthly to drive than any other age group, at $371 on average. Because the risk of claims is reduced as you age, Orlando drivers in their 60s and 70s make the most gains in driving down insurance rates. These drivers pay just $290 on average to be insured on the road.

Driving History
No Violation$330
Speeding Ticket$358
At-Fault Accident$404
Failure to Stop for Red Light / Stop Sign$303

Orlando Car Insurance Rates by Driving and Accident History

It’s bad enough to be in an accident, but being in an accident that you caused will cost you in Orlando. Compared to drivers with no offenses on their record, Orlando drivers with an at-fault accident pay an average of $74 more for car insurance monthly. Don’t despair, though. It will take a few years, but keeping your record clean after an accident will allow you to essentially wash this offense off your record and recoup cheaper rates.

Orlando Car Insurance Rates by Credit Tier

How good is your credit score? That’s a question that may affect some Orlando drivers when it comes to getting car insurance. While not every insurance company uses credit scores in their risk calculations, many do. Therefore, Orlando drivers can add credit score as yet another item they can control to keep their rates low. Orlando drivers with an excellent credit score can expect to pay an average of $301 in car insurance premiums monthly.

Orlando, FL DMV Information

Like many DMVs across the country, Orlando’s locations offer driver’s license services and registration services at different facilities—though some offer both. Locations are spread across Orange County and include four in Orlando and one in Ocoee. In-house services are by appointment only, and there are some things you can easily manage online. With the state’s MyFlorida app, you can renew your vehicle or watercraft registration in minutes.

Public Transportation in Orlando, FL

While Disney has its monorail, the city of Orlando depends on its LYNX Bus Service and commuter rail system, SunRail, to motor patrons throughout the city and its surrounding counties. Though the most convenient option for getting around town is picking up a rental car on your way in, taxis and hotel shuttle services are readily available as well and are all set to take tourists (and the workers who support them) to the various popular attractions (a.k.a. “work” to the locals). Of course, on-demand driving services are always popular, and you will even see vacationers using Lime bikes or HOPR to explore the city on two wheels.

Conclusion: How to get the best and cheapest car insurance in Orlando, FL

Orlando drivers have a love-hate relationship with the tourists occupying the lanes next to them. Not only is there the pressure to drive your own vehicle safely, watching out for someone whose mind may be in vacation mode is an added responsibility.

Though Florida’s new distracted driving laws are trying to curb cell phone use in cars, distracted drivers are just one thing you have to watch out for on Florida roads. Orlando ranks among the top cities in the country for pedestrian death as well. Insurify lets you get insurance coverage quickly to protect you and your family financially should you ever be involved in an accident in the Sunshine State.

Find local Orlando agents

Eton Bridge Insurance & Financial Solutions
7625 W SAND LAKE RD STE 201, ORLANDO, FL 32819
WS INSURANCE GROUP, LLC
5728 Major Blvd, Orlando, FL 32819
H&M Insurance and Tax Agency
6150 Silver Star Rd, Orlando, FL 32808
Business Insurance Center, Inc.
6979 Kingspointe Parkway, Unit 9, Orlando, FL 32819
Lancaster & Associates Insurance, Inc
1215 W Fairbanks Ave, Orlando, FL 32804
Humphreys Insurance Agency
4950 Hall Rd Ste C, Orlando, FL 32817
Harry Levine Insurance
7587 W Sand Lake Road, Orlando, FL 32819
The Hilb Group of Florida LLC (Orlando)
5639 Hansel Ave, Orlando, FL 32809
Hugh Cotton Insurance
2315 Curry Ford Rd, Orlando, FL 32806
TK Insurance and Financial Services, Inc.
496 Delaney Ave Ste 400, Orlando, FL 32801

Insurify Insights: How Orlando Drivers Measure Up

toyota
Toyota Corolla
Most Popular Car in
Orlando, FL
suspended licenses
#42
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Orlando drivers measure up to their fellow Florida motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Orlando

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Orlando drivers rank 82 in the number of car accidents per driver across all cities in Florida.

  • Rank within state: #82
  • Percent of drivers in Orlando with an accident: 9.35%
  • Drivers in Orlando, FL with an accident in their driving history paid on average 26.57% more than drivers with a clean record

Speeding Orlando

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Orlando drivers rank 50 in the number of speeding infractions per driver.

  • Rank within state: #50
  • Percent of drivers in Orlando with a speeding ticket: 8.21%
  • Drivers in Orlando, FL with a speeding ticket in their driving history paid on average 16.78% more than drivers with a clean record

DUI/DWIs Orlando

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Orlando drivers rank 86 in the number of DUI’s per driver across all cities in Florida.

  • Rank within state: #86
  • Percent of drivers in Orlando with a DUI: 0.74%
  • Drivers in Orlando, FL with a DUI in their driving history paid on average 15.38% more than drivers with a clean record

Most Popular Vehicle Orlando

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Orlando is the Toyota Corolla.

Rude Orlando

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Florida, Orlando drivers rank 32 in rude driving infractions.

  • Rank within state: #32
  • Percent of drivers in Orlando with a reckless driving violation: 2.44%
  • Drivers in Orlando, FL with a reckless driving violation in their driving history paid on average 12.59% more than drivers with a clean record.

Safest Drivers Orlando

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Orlando drivers rank 55 in clean driving records across all cities in Florida.

  • Rank within state: #55
  • Percent of drivers in Orlando with clean record: 82.83%

Failure to Yield the Right of Way Orlando

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Orlando drivers rank 62 in failure to yield violations per driver across all cities in Florida.

  • Rank within state: #62
  • Percent of drivers in Orlando with a failure to yield violation: 0.33%
  • Drivers in Orlando, FL with a failure to yield violation in their driving history paid on average 4200% more than drivers with a clean record

Reckless Drivers Orlando

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Florida, Orlando drivers rank 49 in the number of reckless driving offenses per driver.

  • Rank within state: #49
  • Percent of drivers in Orlando with a reckless driving offense: 0.12%

Hybrid/Electric Vehicle Ownership Orlando

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Orlando drivers rank 75 in hybrid and electric vehicle ownership across all cities in Florida.

  • Rank within state: #75
  • Percent of drivers in Orlando with a hybrid/electric vehicle: 0.95%

FAQs - Orlando, FL Car Insurance

I only live in Florida for part of the year. Do I have to keep insurance on my Florida vehicle, even if I don’t drive it?

Yes. Your Florida tag is issued for a certain period of time and during that time (or “registration period”), the vehicle must have active insurance. To avoid being fined and then some for a lapse in coverage, you can surrender your tag and registration each time you leave Florida and then re-register your vehicle upon your return. If you have a decent insurance policy, however, it may be cheaper to keep your policy the entire time rather than racking up all of those extra fees coming and going.

My insurance policy is no longer valid, but I’m getting a new one soon. Can I get into trouble for driving without a policy?

Yes. In addition to the extreme financial risk you are taking by driving even a day without an active policy, Florida can suspend your driver’s license even if it’s your first offense. Once you have your policy, you will also have to pay fees to reinstate your driver’s license (from $150 to $500). You should never let your policy lapse and always make sure you have a new policy in place before you cancel the old one.

What kind of insurance is an SR-22 Certificate?

An SR-22 Certificate isn’t insurance; rather, it’s a certificate that some people are required to file with their state that proves they have the amount of insurance required by law. Drivers who have to file an SR-22 Certificate usually have to do so because of a court order related to reckless driving, a DUI, or another serious offense.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.