Travelers offers Orlando's lowest car insurance rates, with annual premiums of $663 for minimum coverage and $1,446 for full coverage. Other affordable insurers in the city include State Farm Nationwide and GEICO.
Car Insurance in Orlando
Updated: August 2, 2025
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Key Takeaways
Orlando's cheapest car insurance companies are Travelers, State Farm and Nationwide, with savings up to 46% for full coverage compared to the city average.
Monthly car insurance costs in Orlando average $227 for full coverage and $98 for minimum coverage.
You'll find the best cheap auto insurance in Orlando by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Orlando?
| Travelers | $55 | $121 | -46% |
| State Farm | $64 | $139 | -38% |
| Nationwide | $78 | $166 | -25% |
| GEICO | $60 | $192 | -23% |
| Metropolitan Group | $74 | $181 | -22% |
Compare the Cheapest Orlando Car Insurance for You
Car insurance rates can vary by hundreds of dollars based on your driving record, age and credit score. Use the table below to find the cheapest insurance company for your specific driver profile.
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Age Group:Adult Drivers
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Gender:Female
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coverage_user_friendly:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | $159 | $1,903 | -53% |
| Travelers | $161 | $1,933 | -52% |
| Nationwide | $231 | $2,774 | -31% |
| Metropolitan Group | $250 | $3,006 | -26% |
| UAIC | $258 | $3,098 | -23% |
Cheapest Car Insurance by Age Group in Orlando
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16-25 (young), 26-64 (adults), and 65+ (seniors). Based on our data in Orlando, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: GEICO (from $114 per month)
- Cheapest Car Insurance for Adults: Travelers (from $55 per month)
- Cheapest Car Insurance for Seniors: GEICO (from $65 per month)
Cheapest Car Insurance for Young Drivers in Orlando
GEICO and Travelers offer the best car insurance rates for young drivers in Orlando with average monthly rates starting at $114 and $118 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| 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% |
Cheapest Car Insurance for Adult Drivers in Orlando
In Orlando, Travelers provides the lowest rates for adult drivers (26 to 64), saving drivers around 46% on average. GEICO and State Farm also rank among the most affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $55 | $663 | -44% |
| GEICO | $60 | $716 | -39% |
| State Farm | $64 | $763 | -35% |
| Metropolitan Group | $74 | $887 | -25% |
| Nationwide | $78 | $935 | -20% |
Cheapest Car Insurance for Senior Drivers in Orlando
For seniors in Orlando, GEICO offers the lowest minimum coverage rates at $65 per month ($780 annually). Travelers provides the most affordable full coverage at $162 per month ($1,942 annually).
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $65 | $780 | -48% |
| Travelers | $74 | $887 | -40% |
| State Farm | $78 | $935 | -37% |
| Metropolitan Group | $92 | $1,102 | -26% |
| Nationwide | $109 | $1,303 | -12% |
Cheapest Car Insurance for High-Risk Drivers in Orlando
High-risk drivers in Orlando can find affordable coverage from these insurance providers:
- Cheapest For Bad Credit: GEICO (from $82 per month)
- Cheapest With a DUI: State Farm (from $69 per month)
- Cheapest With an Accident: State Farm (from $74 per month)
- Cheapest With a Speeding Ticket: State Farm (from $69 per month)
Cheapest Car Insurance for Bad Credit in Orlando
In Orlando, GEICO offers the cheapest car insurance for bad credit drivers at $82 monthly for minimum coverage. For full coverage, Travelers provides the lowest rate at $176 per month.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| 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% |
Cheapest Car Insurance With a DUI in Orlando
State Farm offers the most affordable car insurance rates for Orlando drivers with a DUI. You can save up to 51% on full coverage and 50% on minimum coverage compared to average rates in the city.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| 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% |
Cheapest Car Insurance With an Accident in Orlando
State Farm offers the lowest car insurance rates in Orlando for drivers with accidents, starting at $74 per month, 46% less than the city's average premium.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $74 | $886 | -46% |
| Travelers | $74 | $888 | -46% |
| GEICO | $83 | $999 | -39% |
| Metropolitan Group | $103 | $1,233 | -25% |
| Nationwide | $108 | $1,291 | -22% |
Cheapest Car Insurance With a Speeding Ticket in Orlando
For Orlando drivers with speeding tickets, State Farm offers the cheapest car insurance across both coverage types. Their minimum liability coverage costs about $69 per month, while full coverage with higher limits runs around $148 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $69 | $822 | -41% |
| Travelers | $70 | $838 | -40% |
| Metropolitan Group | $74 | $887 | -36% |
| Nationwide | $88 | $1,062 | -24% |
| GEICO | $99 | $1,190 | -15% |
Best Car Insurance Companies in Orlando
The top car insurance companies in Orlando are Travelers, State Farm, Nationwide and GEICO. These providers stand out for offering 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 |
Travelers: Best Overall Value
pros
Excellent customer satisfaction ratings
Competitive rates across driver categories
Strong coverage options available
cons
Coverage scores lag behind service ratings
Limited local office presence
COMPANY HIGHLIGHTS
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.
State Farm: Best for High-Risk Drivers
pros
Strong customer service reputation
Competitive rates for high-risk drivers
Local agent network
cons
Limited coverage options
Higher rates for newer vehicles
COMPANY HIGHLIGHTS
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.
How Much Is Car Insurance in Orlando?
In Orlando, minimum coverage costs about $98 per month or $1,178 per year, ranking 466th out of all Florida cities for affordability. Full coverage averages $227 monthly or $2,719 annually, ranking 458th among Florida cities.
| Full Coverage | $227 | $2,719 |
| Minimum Coverage | $98 | $1,178 |
Compare Personalized Orlando Car Insurance Costs
While basic rate averages help, the table below lets you filter Orlando car insurance costs by your exact age, driving record and other personal details.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $281 | $3,377 | 4% |
Orlando Car Insurance costs by ZIP Code
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.
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ZIP Code:32806
| 32806 | $138 | $309 |
How to Get the Best Cheap Orlando Car Insurance
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.
- 1
Calculate your coverage needs first
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.
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Explore alternative insurance options
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.
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Know what others pay
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.
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Stack up available discounts
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.
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Check company reliability scores
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.
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Get quotes from multiple providers
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.
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Review your policy yearly
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.
Cheapest Car Insurance in Orlando: Bottom Line
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.
Cheap Orlando Car Insurance: FAQ
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.
What is the cheapest car insurance company in Orlando, Florida?
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.
Who offers the best car insurance in Orlando?
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.
What is the average cost of car insurance in Orlando?
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.
Is car insurance in Orlando expensive?
Car insurance in Orlando costs more than average, ranking 466th for minimum coverage affordability and 458th for full coverage compared to other Florida cities.
How We Chose the Best and Cheapest Car Insurance in Orlando, FL
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:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
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:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Orlando based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on google, J.D. Power, A.M. Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.