Cheap Auto Insurance Quotes in Orlando, FL (2023)

The average cost of minimum-coverage car insurance in Orlando is $319 per month, only slightly less than Florida’s average monthly cost of $323. Drivers looking to save money on a policy should compare car insurance quotes online from multiple providers.

How much does car insurance cost in Orlando?

Car insurance costs vary widely in Orlando. Drivers pay an average of anywhere from $147 to $410 per month for liability coverage and between $174 and $738 per month for full coverage, so it’s a good idea to compare quotes. Your age, credit score, driving history, and location can also affect the rate you pay each month.

Insurify’s data scientists analyzed the latest insurance rates in Orlando to identify the cheapest quotes in the area. The following providers stood out for offering the best rates in a few different categories.

• Pronto: At $139 per month, Pronto offers the cheapest liability-only coverage in Orlando.

• AssuranceAmerica Economy: At $210 per month, AssuranceAmerica Economy offers the cheapest full coverage in Orlando.

• Travelers: At $286, Travelers offers the cheapest car insurance for younger drivers.

Read More: Average Cost of Car Insurance (With Quotes, 2022)

Cheapest car insurance in Orlando: AssuranceAmerica Economy

AssuranceAmerica Economy offers the cheapest car insurance in Orlando, with a monthly average rate of $204. This average takes into account both liability-only and full-coverage policies.

It can be helpful to understand the factors that influence car insurance rates.^[1]

• Driving record: The fewer accidents and tickets you have on your record, the less you’ll likely pay for car insurance.

• Location: Your ZIP code can increase your auto insurance rates if you live in an area known for having more accidents or higher rates of theft and vandalism.

• Age: Young drivers are often charged higher rates due to their lack of experience.

• Vehicle usage: The more someone drives, the higher the likelihood they will file a claim, so providers often offer reduced rates for drivers who drive below a certain threshold of miles.

• Vehicle type: The cost of insuring a car can be greatly impacted by how much it would cost to repair the car after an accident or replace it after a theft.

The following table outlines the cheapest car insurance rates in Orlando.

Check Out: Cheap Car Insurance for 2022

How much car insurance do you need in Orlando?

Drivers in Orlando and in all of Florida are required to carry the following amounts of minimum coverage:

• $10,000 per accident for property damage liability

• $10,000 per accident for personal injury protection (PIP) 

Since Florida is a no-fault state, the insurance providers of each party must pay for their own medical expenses, no matter which driver caused the accident.

You must show proof of insurance in Florida if it’s requested by law enforcement, when you renew your vehicle registration, and when your car is involved in an accident. It’s recommended that you carry proof of insurance in your car at all times.^[1]

Florida DMV information

The Florida Department of Highway Safety and Motor Vehicles (FLHSMV) offers both in-person and online services, such as renewing or applying for a driver’s license, registering a vehicle or title, paying for a speeding ticket, and accessing safety resources.

Tips for getting cheap car insurance in Orlando

If you’re looking to save money on your next car insurance policy, here are some ways you can find more affordable coverage.

• Buy pay-per-mile car insurance. If you don’t drive a lot, you may benefit from a pay-per-mile car insurance policy. It’s a great way for telecommuters to save on auto insurance.

• Ask for discounts. Car insurance companies offer a variety of discounts that you may qualify for, such as paperless and loyalty discounts.

• Bundle your policies. Many car insurance providers also offer homeowners insurance and will offer reduced rates if you bundle more than one policy with them.

• Choose a less expensive car. The less expensive your car is, the less it generally costs to insure. Avoid luxury cars if you want a more affordable insurance policy.

• Shop around for the best rates. Don’t just settle for the first policy you find. Compare quotes from a few different car insurance companies to see which can provide you with the amount of coverage you need at a rate that works for your budget.

Check Out: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Orlando

Car insurance providers consider age when determining premium rates. Younger drivers typically pay more than older drivers since they don’t have much driving experience. Insurers consider inexperienced drivers more likely to file a claim, so they charge younger drivers higher premiums accordingly.

You can review the following table to get an idea of how age affects car insurance rates in Orlando.

Read More: Compare Car Insurance by Age and Gender

Cheapest car insurance for young drivers in Orlando

Travelers offers the cheapest car insurance for young drivers in Orlando, at an average rate of $286 per month. The table below shows various other affordable providers based on their average rates for full-coverage policies. Young drivers can save even more by qualifying for a good student discount.

Cheapest car insurance for middle-aged drivers in Orlando

Travelers is the cheapest car insurance for middle-aged drivers in Orlando, at $232 per month. Safeco and National General also offer affordable monthly rates, at $256 and $260, respectively. One way middle-aged drivers can save on their policies is by bundling their car and home insurance policies.

Cheapest car insurance for senior drivers in Orlando

Travelers is the cheapest car insurance for senior drivers in Orlando, at $202 per month. Senior drivers who want to save even more should consider a pay-per-mile policy that charges them only for the number of miles they drive.

How credit scores affect cheap car insurance in Orlando

Most auto insurance providers use consumer credit information when determining premiums, as certain credit behaviors can indicate how likely someone is to file an insurance claim.

Credit score rankings can vary slightly based on the credit-scoring model being used, but they generally rank as follows:

• Poor: 500–600

• Fair: 601–660

• Good: 661–780

• Excellent: 781–850

In some states, including Florida, it’s illegal to use a lack of a credit score to help determine insurance premiums.^[2] However, insurers in Florida are allowed to use existing credit scores when setting rates. The following averages for full-coverage policies help illustrate how insurance prices can vary based on different credit scores for Orlando drivers.

Read More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Orlando

Drivers who demonstrate good driving habits, like avoiding at-fault accidents and speeding tickets, typically receive more affordable rates than those with infractions on their records. Auto insurance companies consider these drivers less likely to file a claim and offer cheaper rates to them as a result.

It’s important to note that when you see a negative difference in a table, it doesn’t mean that a particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than your driving record.

Learn More: Cheapest Car Insurance by Driving Record (2022)

Cheapest car insurance with an accident in Orlando: Travelers

Travelers offers the cheapest car insurance to drivers with an accident in Orlando, at $270 per month. Drivers with accidents typically find higher rates than drivers with clean records, but you can still find affordable rates with the right insurers.

Cheapest car insurance with a DUI in Orlando: Travelers

Travelers offers the cheapest car insurance to drivers with a DUI in Orlando, at $415 per month. Drivers with DUIs on their records usually face severe rate increases, with some insurers refusing to even provide coverage. Even so, you can still find somewhat affordable rates with some insurers.

Cheapest car insurance with a speeding ticket in Orlando: Progressive

Progressive offers the cheapest car insurance to drivers with a speeding ticket in Orlando, at $171 per month. While speeding tickets can drive up insurance rates, they don’t usually affect rates as severely as DUIs.

Car insurance in other Florida cities

Car insurance rates can vary greatly from city to city, even within the same state. Here’s a look at car insurance in other Florida cities.

• Cheap Auto Insurance Quotes in Tampa, FL

• Cheap Auto Insurance Quotes in Lake Worth Beach, FL

• Cheap Auto Insurance Quotes in Delray Beach, FL

• Cheap Auto Insurance Quotes in Pensacola, FL

• Cheap Auto Insurance Quotes in Venice, FL

Find local Orlando agents

Orlando car insurance FAQs