Best Cheap Auto Insurance in Orlando, Florida (2024)

Orlando drivers can find the cheapest insurance from State Farm, which has liability rates starting at $72 per month.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick 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.

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Courtney Mikulski
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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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 April 18, 2024

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Cheapest recent rates near Orlando, Florida

Drivers using Insurify have found quotes as cheap as $52/mo for liability only and $81/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 April 18, 2024

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 April 18, 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 April 18, 2024

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 April 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $266 per month. By comparison, the state average is $257, and the national average is $158 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
  • Florida only requires drivers to carry property damage liability and personal injury protection coverages.[1]

  • The average monthly cost of full-coverage car insurance in Orlando is $312, and liability averages $221.

  • 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 requirements.[2]

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Rates start at $72/mo. for liability-only policies

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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, so it’s important to shop around and compare quotes.

Cheapest for temporary coverage: Hugo

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
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
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.
$80/mo

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

Read our Hugo review
Ronald - March 8, 2024
Verified

Hugo gradually increases prices like other insurance companies

I was initially fond of Hugo. However, over the past year, they have increased their rates by almost $1 per day, which amounts to $30 per month. This increase happened despite no changes on my end, except for turning 35, an age I thought would result in a decrease in my rates.

Leo - March 4, 2024
Verified

Great Option for Liability Coverage

Excellent.

Britany - February 26, 2024
Verified

Excellent

So far, so good.

Cheapest for rideshare drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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++
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.
$83/mo

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

Read our State Farm review
Hephzibah - April 16, 2024
Verified

Looking for Good Service and Prices

Not good. The quotes changed and they were difficult to deal with.

Jane - April 16, 2024
Verified

Good Deals

They are friendly and offer good pricing.

Roger - April 16, 2024
Verified

Excellent

Very good agent.

Cheapest for teen drivers: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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++
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.
$85/mo

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

Read our GEICO review
Arturo - April 17, 2024
Verified

Average

I need cheaper coverage. It's too much for two cars.

Eminny - April 17, 2024
Verified

Inconsistent Communication and Service

This is my second time with GEICO. The first time was fine, but this time around, they set my policy to be cancelled on a Monday. They claimed to have sent me a letter the previous Friday requesting documents that I never received. I called them multiple times about it, and each time I received a different reason and excuse. Despite sending them everything they needed, my policy remains cancelled. Without insurance, my car just sits there, and since it's financed, I might even end up losing it. I'm just waiting for them to review my documents and reactivate my policy. They said they would reach out to me if they needed anything else or to at least let me know the verdict, which they never did. I have to keep calling them myself, only to receive different excuses each time and no policy reactivation. They never reach out when they say they will, and other insurance options are very expensive for me as a fairly new driver.

Andy - April 15, 2024
Verified

Unexpected Rate Increase

I had an accident and they raised my rates to over $8,000 a year. I initially thought I was making normal upfront payments, but it turned out to be monthly payments.

Cheapest liability-only car insurance in Orlando

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. State Farm offers the cheapest liability-only rates in Orlando, starting at $72 per month. Here are some more options for cheap cheapest liability-only car insurance in Orlando, based on Insurify data.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm72
GEICO74
Hugo80
Allstate125
Safeco137
Mile Auto139
Travelers149
Mercury155
Liberty Mutual163
Direct Auto166
Midvale Home & Auto185
Progressive188
Infinity211
Foremost221
Dairyland224
AssuranceAmerica245
Bristol West290
National General323
The General331
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

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. Michael DeLong, research and advocacy associate with the Consumer Federation of America, encourages drivers to consider adding one of or both comprehensive coverage and uninsured/underinsured motorist coverages to their policies.

“Significant numbers of drivers lack insurance, and you don’t want to end up paying for your own property damage or medical costs,” DeLong says.

State Farm offers the lowest rates for full coverage in Orlando, starting at $83 per month. Here are the cheapest full-coverage car insurance companies in Orlando, based on Insurify data.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm83
GEICO85
Hugo90
Allstate144
Travelers174
Mercury182
Safeco187
Mile Auto193
GAINSCO228
Infinity246
Liberty Mutual249
Midvale Home & Auto266
Direct Auto267
Progressive267
National General325
Foremost326
AssuranceAmerica335
Dairyland399
Bristol West415
The General471
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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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.[1]

  • illustration card https://a.storyblok.com/f/162273/x/9ffcc07fc9/damage-from-aircraft.svg

    Property damage liability

    • $10,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    This 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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement

    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.[3]

These incidents may increase rates because you either drove in an irresponsible 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.[2]

Find Car Insurance in Orlando

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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.[4] [5]

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 $262 for liability-only insurance, and $370 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: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
State Farm9582
GEICO9986
Hugo117104
Allstate167145
Travelers206177
Safeco238175
Mercury247211
Mile Auto252181
Infinity296254
Liberty Mutual314206
Direct Auto321200
Progressive325229
National General381379
AssuranceAmerica419306
Dairyland482271
Bristol West493345
The General571402
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.[6]

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 $399 per month; liability is $282 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: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
State Farm10389
GEICO10793
Hugo113101
Allstate181157
Travelers221190
Safeco257189
Mercury263224
Mile Auto272196
Infinity295253
Liberty Mutual337221
Direct Auto347216
Progressive349245
National General416414
AssuranceAmerica439321
Dairyland512288
Bristol West521364
The General613431
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?

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.[7] 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.[3] 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 $461 for full-coverage car insurance, and $327 for liability. 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: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
Hugo125111
State Farm126109
GEICO129112
Allstate218189
Travelers263226
Mercury283241
Safeco283207
Mile Auto304219
Infinity372319
Liberty Mutual377247
Direct Auto404251
Progressive404285
National General492489
Foremost493335
AssuranceAmerica507371
Dairyland604339
Bristol West628439
The General713501
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.[8] 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 costs $185 per month for a liability-only policy, and $261 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: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
State Farm6355
GEICO6860
Allstate117102
Travelers142122
Mercury160136
Mile Auto163118
Safeco169124
Progressive193136
Liberty Mutual204134
Direct Auto222138
AssuranceAmerica271199
National General293291
Dairyland342192
Bristol West348243
The General417293
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.[9]

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, on average, $478 for full coverage and $339 for liability only. However, 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: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
GEICO124108
State Farm132115
Hugo152135
Allstate236205
Travelers293251
Mercury312266
Safeco312228
Mile Auto349251
Infinity384329
Liberty Mutual390255
Progressive447315
Direct Auto455283
Foremost543368
National General578575
Dairyland600337
AssuranceAmerica603441
Bristol West640447
The General697490
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.

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.

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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.[10] 

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 $445 a month for a full-coverage policy, Orlando is slightly higher, at $475 a 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.[11]

More cities in Florida

Orlando tends to have 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.

CityAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Fort Lauderdale$340$256
Fort Myers$266$190
Jacksonville$301$202
Lakeland$293$193
Miami$363$272
Ocala$260  $178
Pompano Beach$358$253
Saint Petersburg$306$242
Tampa$373$310
West Palm Beach$368$300
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 $221 a month for liability-only coverage and $312 for full coverage. These rates are slightly higher than the state average and significantly higher than 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 $72 per month, and $83 per month for full coverage.

    GEICO and Hugo also offer cheap insurance for Orlando residents, with liability-only rates of $74 and $80, 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 $373 a month, while Orlando’s average rates are $312 a 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.[11] 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  2. Online Sunshine. "324.023 Financial responsibility for bodily injury or death.."
  3. III. "Do auto insurance premiums go up after a claim?."
  4. Polk County Sheriff's Office. "PCSO continues traffic safety initiative along I-4 in January; deputies conduct 425 traffic stops and write 312 citations."
  5. FHWA Office of Operations. "Florida Model Deployment Final Evaluation Report."
  6. Florida Department of Highway Safety and Motor Vehicles. "Crash Dashboard."
  7. Centers for Disease Control and Prevention. "Sobering Facts: Alcohol-Impaired Driving; Florida."
  8. U.S. Census Bureau. "QuickFacts: Orlando city, Florida."
  9. Florida Department of Highway Safety and Motor Vehicles. "Teen Drivers."
  10. The Florida State Senate. "626.9741 Use of credit reports and credit scores by insurers.."
  11. III. "What determines the price of an auto insurance policy?."
Nick Dauk
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 Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
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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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

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