Updated: November 13, 2025
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Travelers offers the cheapest car insurance in Orlando at $663 per year for minimum coverage and $1,446 per year for full coverage. Other insurers serving Orlando include State Farm, GEICO and Progressive.
Orlando drivers pay an average of $1,178 per year for minimum coverage and $2,719 per year for full coverage.
Travelers also offers the cheapest car insurance in Florida at $618 per year for minimum coverage and $1,343 per year for full coverage.
Travelers provides Orlando's cheapest minimum coverage at $663 per year, 44% below the city average of $1,178. Full coverage costs $1,446 annually with Travelers versus Orlando's average of $2,719.
State Farm offers another affordable alternative at $763 for minimum coverage and $1,663 for full coverage. Travelers' pricing saves Orlando drivers roughly $43 monthly for minimum coverage compared to typical city rates.
| Travelers | $55 | $121 | -46% |
| State Farm | $64 | $139 | -38% |
| Nationwide | $78 | $166 | -25% |
| GEICO | $60 | $192 | -23% |
| Metropolitan Group | $74 | $181 | -22% |
Adult drivers in Orlando access the most affordable rates at $663 annually with Travelers. Senior drivers pay $887 per year with Travelers. Young drivers pay $1,370 annually with GEICO, more than double adult rates.
Travelers maintains the lowest rates for adult and senior drivers, while GEICO provides the best option for young drivers. Orlando's high base rates make finding affordable coverage challenging, but comparing quotes across multiple insurers reveals substantial potential savings.
Young drivers in Orlando face higher premiums due to greater accident frequency and elevated traffic density across Central Florida. Even with these risk factors, GEICO and Travelers offer the lowest rates for drivers ages 16 to 25, beginning at $114 and $118 per month.Â
These insurers price younger motorists more competitively than most national carriers, helping new drivers access affordable coverage in a market known for costly claims.
| Geico | $114 | $1,370 | -48% |
| Travelers | $118 | $1,413 | -46% |
| State Farm | $132 | $1,588 | -40% |
| Metropolitan Group | $142 | $1,699 | -35% |
| Nationwide | $165 | $1,975 | -25% |
Adult drivers between ages 26 and 64 find the cheapest coverage in Orlando through Travelers, which provides rates about 46 percent below the city average. GEICO and State Farm also deliver strong affordability for adults with established driving histories.Â
These carriers remain competitive in Orlando because they price more favorably across ZIP codes where traffic congestion and claim severity typically push premiums higher for other insurers.
| Travelers | $55 | $663 | -44% |
| Geico | $60 | $716 | -39% |
| State Farm | $64 | $763 | -35% |
| Metropolitan Group | $74 | $887 | -25% |
| Nationwide | $78 | $935 | -20% |
Seniors in Orlando receive the lowest minimum coverage premiums from GEICO, which charges $65 per month ($780 annually). For full coverage, Travelers offers the best pricing at $162 per month ($1,942 annually).Â
Both insurers maintain steady performance in Florida markets where repair costs, weather-related claims, and medical liability trends can increase premium variability for senior drivers.
| Geico | $65 | $780 | -48% |
| Travelers | $74 | $887 | -40% |
| State Farm | $78 | $935 | -37% |
| Metropolitan Group | $92 | $1,102 | -26% |
| Nationwide | $109 | $1,303 | -12% |
High-risk drivers in Orlando, including those with bad credit, DUIs, at-fault accidents, or speeding violations, can still find competitive rates with GEICO and State Farm. These carriers price more favorably than many national competitors when violations occur, which is significant in a state where claim severity and litigation exposure often cause sharp rate increases after infractions.
Drivers with bad credit in Orlando pay the lowest minimum coverage rates with GEICO, which charges $82 per month. For full coverage, Travelers offers the cheapest option at $176 per month. These insurers tend to perform better in Florida’s credit-based rating environment, where many carriers raise premiums sharply due to higher claim costs and increased financial risk associated with this credit tier.
| Geico | $82 | $986 | -37% |
| Nationwide | $95 | $1,138 | -27% |
| Travelers | $97 | $1,166 | -25% |
| Metropolitan Group | $104 | $1,246 | -20% |
| Progressive | $112 | $1,343 | -14% |
For drivers with a DUI, State Farm offers the most affordable coverage in Orlando, providing premiums that are approximately 50 percent below the city average for minimum coverage and 51 percent lower for full coverage. State Farm’s rating structure helps offset the steep premium increases that typically follow a DUI, giving drivers a more manageable option during the surcharge period.
| State Farm | $69 | $822 | -50% |
| Travelers | $82 | $984 | -40% |
| AIG | $98 | $1,180 | -28% |
| Geico | $102 | $1,227 | -25% |
| Metropolitan Group | $113 | $1,357 | -17% |
Drivers with an at-fault accident in Orlando can secure the lowest premiums through State Farm, which starts at $74 per month. These rates sit around 46 percent below the city average, offering meaningful savings in a region where accident-related surcharges are often substantial due to high repair costs and busy traffic conditions across Orange County.
| State Farm | $74 | $886 | -46% |
| Travelers | $74 | $888 | -46% |
| Geico | $83 | $999 | -39% |
| Metropolitan Group | $103 | $1,233 | -25% |
| Nationwide | $108 | $1,291 | -22% |
For Orlando drivers with a speeding ticket, State Farm again provides the cheapest premiums, charging $69 per month for minimum coverage and about $148 per month for full coverage. These competitive rates help offset the typical price increases that accompany a moving violation in Central Florida’s high-traffic insurance market.
| State Farm | $69 | $822 | -41% |
| Travelers | $70 | $838 | -40% |
| Metropolitan Group | $74 | $887 | -36% |
| Nationwide | $88 | $1,062 | -24% |
| Geico | $99 | $1,190 | -15% |
Travelers ranks as Orlando's best insurance company with a MoneyGeek score of 98, delivering excellent service and the city's lowest rates. State Farm follows at 91, offering reliable coverage and responsive customer support.
Both carriers maintain strong financial stability and customer satisfaction ratings. Travelers' exceptional score reflects its optimal balance of affordability and service quality, making it the preferred choice for Orlando residents navigating Florida's challenging insurance marketplace.
| 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 |
Excellent customer satisfaction ratings
Competitive rates across driver categories
Strong coverage options available
Coverage scores lag behind service ratings
Limited local office presence
Travelers ranks first in Orlando for its combination of affordable rates and top customer service. The company offers minimum coverage at $55 monthly and full coverage at $121 monthly, both well below city averages. Travelers particularly stands out for its competitive rates for young drivers, seniors, and those with newer vehicles. Customer reviews consistently praise their smooth claims process and responsive service team.
Strong customer service reputation
Competitive rates for high-risk drivers
Local agent network
Limited coverage options
Higher rates for newer vehicles
State Farm earns Orlando's second-place ranking by excelling with high-risk drivers. The company offers affordable coverage for drivers with accidents, DUIs, or speeding tickets. Their minimum coverage starts at $64 monthly, while full coverage runs $139 monthly. State Farm's local agent network provides personalized service, though their coverage options are more basic than some competitors.
Orlando drivers pay an average of $1,178 per year for minimum coverage and $2,719 per year for full coverage. These rates rank among Florida's highest, driven by factors including frequent severe weather, elevated uninsured motorist rates and high vehicle theft.
Travelers' premiums of $663 for minimum coverage and $1,446 for full coverage fall significantly below city averages. This represents potential annual savings of $515 for minimum coverage and $1,273 for full coverage versus typical Orlando rates.
| Full Coverage | $227 | $2,719 |
| Minimum Coverage | $98 | $1,178 |
In Orlando, car insurance rates by ZIP code range from $89 to $309 per month. ZIP code 32806 is the most expensive, while 32816 is the cheapest. Check the average rates for your ZIP code on the table below.
| 32806 | $138 | $309 |
With Orlando's car insurance rates running higher than most cities and so many coverage options to consider, finding affordable protection can feel overwhelming. Our step-by-step guide will show you how to secure the coverage you need while paying less on your premiums.
Start by determining exactly how much coverage you need for driving in Orlando. Consider your vehicle's value, your assets, and local risk factors like heavy tourism traffic and frequent storms. Use our car insurance coverage needs calculator to get a personalized recommendation that balances protection and affordability.
Different types of car insurance can save you money based on your driving habits. If you don't drive much, consider pay-per-mile coverage. Don't own a car? Look into non-owner policies that can provide coverage when you occasionally drive.
Research average vehicle insurance costs in Orlando to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Remember that factors like your age, driving record and vehicle type significantly impact your rates.
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, defensive driving courses and good student discounts can also reduce your premium significantly.
Research insurance companies' financial strength and customer satisfaction ratings. Focus on providers with strong records in Florida, particularly for hurricane claims handling. Look for insurers with positive reviews from Orlando residents about their claims process and customer service.
Contact at least three different insurance companies for quotes. Use a mix of national providers and regional Florida insurers. Compare identical coverage levels across all quotes. Don't forget to ask about any Orlando-specific promotions.
Set a reminder to review your coverage annually. Insurance needs change as your car ages or your driving habits shift. Watch for rate increases and compare new quotes before renewal. Consider adjusting coverage if you've moved within Orlando or changed your daily commute.
Car insurance rates vary based on your driving history, credit and coverage needs. In Orlando, Travelers and State Farm have the cheapest average premiums overall, but compare quotes from multiple providers to find your best match.
Looking for cheap car insurance in Orlando? We've gathered straightforward answers to your questions about finding affordable coverage that fits your needs and budget.
Travelers offers the lowest rates in Orlando, with average annual premiums of $663 for minimum coverage and $1,446 for full coverage. Rates vary by personal factors, so compare quotes.
Travelers leads Orlando's car insurance providers with a MoneyGeek score of 98 out of 100, scoring 7 points higher than State Farm. Travelers excels in both affordability and customer service quality.
In Orlando, drivers pay $2,719 annually for full coverage and $1,178 for minimum coverage car insurance. Actual rates vary based on individual factors like driving history and coverage choices.
Car insurance in Orlando costs more than average, ranking 466th for minimum coverage affordability and 458th for full coverage compared to other Florida cities.
To help Orlando drivers find the most affordable auto insurance companies, MoneyGeek analyzed Orlando auto insurance rates based on data and information from the Florida Office of Insurance Regulation and Quadrant Information Services. We studied all zip codes in Orlando and hundreds of thousands of quotes for 12 companies offering auto insurance in Florida to tailor options as closely as possible to you.
Orlando Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Orlando with the following characteristics:
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Orlando
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Florida are:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We rated all companies in Orlando based on the following rating scale:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.
