Updated: December 29, 2025
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Travelers: Cheapest across most driver profiles. At $55 monthly for minimum coverage and $121 for full coverage, Travelers saves drivers 46% compared to Orlando's average.
State Farm: Second cheapest at $64 monthly minimum and $139 full coverage. It's affordable for young drivers, seniors and drivers with an accident on their record.
Nationwide: Third cheapest at $78 monthly minimum and $166 full coverage, with rates 25% below city average.
Cheapest Monthly Rates by Coverage and Driver Profile in Orlando:
Travelers offers the cheapest minimum coverage at $55 monthly, while GEICO is the second cheapest at $60. For full coverage, Travelers stays the cheapest at $121 monthly, with State Farm second at $139. Both save you over 38% compared to Orlando's average. Get quotes from at least three companies because rates vary by ZIP code and driving history.
| Travelers | $55 | $121 | -46% |
| Geico | $60 | $192 | -23% |
| State Farm | $64 | $139 | -38% |
| Metropolitan Group | $74 | $181 | -22% |
| Nationwide | $78 | $166 | -25% |
Not in Orlando? Read more about the cheapest car insurance in Florida or the best car insurance in Florida.
Teens and drivers in their early 20s pay the highest rates due to inexperience. Travelers offers the cheapest full coverage at $270 monthly. State Farm charges $305, and Metropolitan Group costs $365.
Young drivers can cut costs by hundreds of dollars annually by staying on a parent's policy instead of buying separate coverage. Defensive driving courses earn 5% to 15% discounts.
| Travelers | $270 | $3,244 | -49% |
| State Farm | $305 | $3,660 | -42% |
| Metropolitan Group | $365 | $4,378 | -31% |
| Nationwide | $366 | $4,387 | -31% |
| UAIC | $366 | $4,390 | -31% |
Senior drivers in Orlando pay lower rates than most age groups. Travelers charges the least at $162 monthly for full coverage. State Farm costs $167, and UAIC charges $205. Defensive driving courses earn seniors up to 10% discounts that last three years. Most insurers offer accident forgiveness programs for drivers 65 and older. State Farm provides mature driver discounts and defensive driving course credits.
| Travelers | $162 | $1,942 | -44% |
| State Farm | $167 | $2,000 | -43% |
| UAIC | $205 | $2,457 | -30% |
| Geico | $219 | $2,622 | -25% |
| Metropolitan Group | $224 | $2,688 | -23% |
Violations increase your rates, though insurers charge different amounts for the same infraction. State Farm charges drivers with at-fault accidents $74 monthly for minimum coverage, the same as Travelers. For speeding tickets, State Farm costs $69 a month, and Travelers charges $70. State Farm offers the best DUI rates at $69 monthly, with Travelers at $82.
Compare quotes after a violation, as rates differ by hundreds of dollars across insurers. Speeding tickets stay on your record for three to five years. DUIs and serious violations affect rates for up to 10 years.
| At-Fault Accident | State Farm | $74 | -46% |
| At-Fault Accident | Travelers | $74 | -46% |
| DUI | State Farm | $69 | -50% |
| DUI | Travelers | $82 | -40% |
| Speeding Ticket | State Farm | $69 | -41% |
| Speeding Ticket | Travelers | $70 | -40% |
Orlando rates span from $208 to $309 monthly for full coverage, depending on your ZIP code. High-risk areas like 32806 cost $309. Safer neighborhoods like 32832 cost $208.
Your ZIP code matters more than your neighborhood name when insurers calculate rates. Crime rates, traffic density and claim frequency create a $101 monthly gap between Orlando's most and least expensive ZIP codes.
| 32806 | $309 |
| 32812 | $308 |
| 32805 | $256 |
| 32811 | $252 |
| 32804 | $237 |
| 32801 | $237 |
| 32822 | $216 |
| 32835 | $216 |
| 32807 | $214 |
| 32803 | $212 |
| 32832 | $208 |
| 32834 | $208 |
| 32816 | $208 |
| 32831 | $208 |
| 32825 | $209 |
| 32821 | $209 |
| 32814 | $209 |
| 32817 | $209 |
| 32827 | $210 |
| 32829 | $211 |
Travelers leads Orlando's insurance market with a MoneyGeek score of 98 out of 100. It combines the lowest average premiums with outstanding customer service scores and comprehensive coverage options.
State Farm, Nationwide, GEICO and Mercury are also great options. These insurers offer competitive rates, quality customer service and comprehensive coverage options.
| Travelers | 98 | 1 | 1 | 4 |
| State Farm | 91 | 2 | 3 | 7 |
| Nationwide | 89 | 3 | 6 | 4 |
| Geico | 86 | 4 | 5 | 7 |
| Mercury Insurance | 85 | 6 | 4 | 5 |
Cheapest rates across most driver profiles
Full coverage rates 46% below city average
4.2 out of 5 customer service rating
Fewer coverage options than competitors
Limited local agent availability
Some coverage types restricted in Florida
Travelers ranks first in Orlando with the lowest rates for most drivers and a 4.2 out of 5 customer service rating. It charges full coverage rates 46% below the city average and provides 24/7 claim reporting through its mobile app.
Travelers handles hurricane season challenges with comprehensive coverage for hurricane damage and theft. Its IntelliDrive program rewards safe driving with additional discounts.
Second cheapest rates across most profiles
Competitive pricing for drivers with violations
Strong customer service with local agent network
Limited benefits for liability-only policyholders
Slower claim processing than competitors
No gap insurance available in Florida
State Farm ranks second in Orlando with competitive rates for drivers with accidents, speeding tickets and DUI violations. It charges $64 monthly for minimum coverage and $139 for full coverage, both below city averages.
State Farm combines 24/7 digital tools with local agents for claims processing. It handles hurricane season challenges efficiently through its mobile app and local agent network.
Orlando drivers pay some of the highest car insurance rates in Florida. Finding affordable coverage requires comparing quotes from multiple insurers.
Bundle auto with home or renters (15% to 25% off). Add multi-car discounts (10% to 25% per vehicle). Combine good driver, paperless billing and automatic payment for 30% to 40% total savings.
Move from $500 to $1,000 and save 10% to 15% annually. Choose only what you can afford in cash.
Rates change yearly as companies adjust for Orlando's risk profile. Your driving record improves after three years, unlocking lower rates.
Our Orlando insurance experts answer your most pressing questions about finding quality coverage that fits your budget.
Orlando car insurance is expensive. It costs $227 a month for full coverage. The most expensive location in Florida costs $363 per month, and the cheapest costs $63.
Finding affordable car insurance in Orlando starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Florida's insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 32806 often pay much more than those in 32832.
We partnered with the Florida Office of Insurance Regulation and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Orlando ZIP code.
Our ratings for the best car insurance in Orlando are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Orlando neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
