In Orlando, Florida, GEICO is the cheapest for minimum coverage, while State Farm is the most affordable for full coverage. Nationwide offers the lowest rates for families with teen drivers. State Farm excels overall in cost and service, but Mercury leads in customer service. Your ideal provider depends on your specific needs and preferences.
Cheapest and Best Car Insurance in Orlando, FL (2024)
GEICO offers Orlando's cheapest minimum coverage at $634. State Farm, with a MoneyGeek score of 85 out of 100, is also the best for service and affordability.
Updated: November 21, 2024
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Cheapest and Best Car Insurance in Orlando
Why Trust MoneyGeek? We analyzed 127,836 quotes from nine companies in Florida, using six sources and original research to rate the cheapest companies. Our scoring system for Orlando insurance providers is based on ZIP codes in the city, evaluating affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Orlando, FL, as of July 2024.
Cheapest Minimum Coverage Car Insurance in Orlando
GEICO offers the cheapest car insurance in Orlando.
- GEICO: $634 per year
- State Farm: $728 per year
Direct General Insurance has the highest annual premium at $1,805. The $1,171 difference from GEICO shows the benefit of comparing rates to save money.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
GEICO | $634 | $53 |
State Farm | $728 | $61 |
Travelers | $787 | $66 |
Mercury | $843 | $70 |
Nationwide | $1,054 | $88 |
Allstate | $1,096 | $91 |
Progressive | $1,128 | $94 |
Farmers | $1,432 | $119 |
Direct General Insurance | $1,805 | $150 |
State Minimum Liability Requirements
In Florida, state law sets car insurance minimums for every city, including Orlando:
- $10,000 property damage liability per accident
- $10,000 personal injury protection per person
For example, if you have a minimum coverage policy and are at fault in an accident with $15,000 in bodily injury to one person, your insurance wouldn't cover it since bodily injury liability isn't included in the required minimums. You'd be responsible for any costs exceeding your coverage limits, so consider this when selecting your policy.
Cheapest Full Coverage Car Insurance in Orlando
State Farm offers the cheapest full coverage car insurance in Orlando:
- State Farm: $1,444 per year
- GEICO: $1,604 per year
Direct General Insurance is the most expensive option at $3,325 annually. The $1,881 difference from State Farm's rate emphasizes the importance of shopping around for car insurance.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
State Farm | $1,444 | $120 |
GEICO | $1,604 | $134 |
Travelers | $1,610 | $134 |
Progressive | $1,912 | $159 |
Nationwide | $2,000 | $167 |
Mercury | $2,178 | $181 |
Allstate | $2,336 | $195 |
Farmers | $2,818 | $235 |
Direct General Insurance | $3,325 | $277 |
Why You Need Full Coverage in Florida
A full coverage policy in Orlando expands to $100,000 for bodily injury per person, $300,000 per incident and $100,000 for property damage per accident, commonly called a 100/300/100 policy.
In addition to higher liability limits, full coverage includes:
- Collision insurance covers repair costs if your vehicle collides with another vehicle or object (like a light pole or tree) or sustains damage from a rollover or hitting a pothole.
- Comprehensive insurance covers damage or loss from non-collision incidents, such as theft, natural disasters, vandalism, fires and hitting animals like deer.
Full coverage insurance is typically mandatory for leased or financed vehicles. It's a smart financial move for protecting new cars, but the higher premium might not be justified for older vehicles. To determine the right amount of car insurance, carefully evaluate your needs. More coverage increases premiums, while less coverage may leave you underinsured.
Cheapest Car Insurance in Orlando After a Driving Offense
State Farm offers the cheapest rates for drivers with a poor record across various driving offenses:
- Speeding ticket: $1,629 per year
- At-fault accident: $1,770 per year
- DUI: $1,629 per year
Nationwide's rate after a DUI is $4,569, which is $2,940 higher than the cheapest option for the same violation. This stark difference highlights how rates increase with the severity of the driving offense.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
- Accident
- DUI
- Speeding
State Farm | $1,629 | $136 |
Travelers | $2,258 | $188 |
Nationwide | $2,380 | $198 |
Allstate | $2,439 | $203 |
Progressive | $2,637 | $220 |
Mercury | $3,113 | $259 |
GEICO | $3,182 | $265 |
Direct General Insurance | $3,325 | $277 |
Farmers | $3,545 | $295 |
In Orlando, insurance rates are higher for drivers with serious offenses due to their increased risk. For example, those with a speeding ticket pay around $3,486 annually, while DUI offenders face higher rates, averaging $3,989 per year. This difference highlights the need for drivers with offenses to compare quotes for maximum savings.
Cheapest Car Insurance in Orlando for Teens and Their Families
Nationwide offers the cheapest full coverage car insurance for teens in Orlando.
- Nationwide: $3,440 per year for female teens and $3,875 per year for male teens
- State Farm: $3,817 per year for female teens
- GEICO: $4,420 per year for male teens
These rates show the costs for two parents and a teen driver. Travelers has the most expensive policy for families with teen drivers, charging $6,643 for male teens. The $2,768 difference between Nationwide's and Travelers' premiums for male teens highlights the importance of comparing prices, especially when insuring teen drivers who are considered high risk.
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24
- 25
- Female
- Male
Nationwide | $3,440 | $5,969 |
State Farm | $3,817 | $3,704 |
GEICO | $4,366 | $4,677 |
Allstate | $5,279 | $19,134 |
Travelers | $5,288 | $8,989 |
Progressive | $6,037 | $8,250 |
Farmers | $6,081 | $13,611 |
In Orlando, teen car insurance costs vary between individual policies and family plans. Teens face a high average annual premium of $10,112 for individual coverage, compared to about $5,310 when added to a family plan. Insurers charge more for teen drivers because they're higher risk and inexperienced, leading to more claims than adult drivers. Getting an individual policy can be tough for teens without adult financial backing and a driving history. Opt for a family plan for lower premiums and higher chances of approval.
Cheapest Car Insurance in Orlando for Military Drivers
State Farm offers the most affordable full coverage car insurance in Orlando for military members.
- State Farm: $1,444 per year
- GEICO: $1,604 per year
While USAA provides specialized services and competitive pricing for military personnel, this dataset doesn't include it. Nevertheless, USAA operates in Florida and offers highly competitive rates nationwide. Eligible individuals are encouraged to obtain a quote directly from USAA to compare rates and services.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
State Farm | $1,444 | $120 |
GEICO | $1,604 | $134 |
Travelers | $1,610 | $134 |
Progressive | $1,912 | $159 |
Nationwide | $2,000 | $167 |
Mercury | $2,178 | $181 |
Allstate | $2,336 | $195 |
Farmers | $2,818 | $235 |
Direct General Insurance | $3,325 | $277 |
How to Compare Cheap Orlando Car Insurance Quotes Online
Comparing insurance rates in Orlando can save you money, but it can take over 15 minutes per company or over an hour to review three. MoneyGeek's car insurance calculator simplifies this. Input your age, driving history, credit score and coverage needs to get a customized estimate fast, saving time and money.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Dec 06, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance in Orlando: Summary
To find the right auto insurance provider in Orlando, consider factors like service quality, cost and coverage. MoneyGeek's scoring system simplifies this evaluation:
- Best overall: State Farm (MoneyGeek score: 85 out of 100)
- Best for service: Mercury (MoneyGeek score: 83 out of 100)
- Best cheap: Mercury (MoneyGeek score: 85 out of 100)
State Farm provides the best value, balancing quality service and affordability. Mercury, with its high cost-effectiveness and satisfaction scores, is a great choice for budget-conscious drivers seeking an excellent customer experience.
Best Overall Car Insurance in Orlando
State Farm offers the best car insurance in Orlando.
- State Farm: MoneyGeek score of 85 out of 100 ($1,444 per year)
- Mercury: MoneyGeek score of 82 out of 100 ($2,178 per year)
State Farm achieves the highest overall MoneyGeek score, with its perfect affordability score and strong customer satisfaction rating. It's the top choice for drivers seeking full coverage policies that combine cost-effectiveness with quality service.
State Farm's high MoneyGeek score is boosted by its perfect affordability (30/30) and stability (5/5) ratings, as well as impressive claims handling and satisfaction scores. Although rare options like rideshare insurance are lacking, State Farm provides essential coverages like roadside assistance and rental car and/or travel reimbursement, ensuring support during emergencies and vehicle repairs.
- Ranks first in the city for cost, with full coverage premiums averaging at $1,444
- Ranks second in the city for general customer satisfaction
- Ranks second for key coverages, including roadside assistance and rental car/travel reimbursement
- Doesn't offer original equipment manufacturer (OEM) coverage and gap insurance
MoneyGeek's ranking of Orlando car insurers focuses on customer satisfaction and affordability. It also considers claims service, coverage options and financial strength.
Best Car Insurance in Orlando for Customer Service
Mercury is the best option in Orlando for drivers who value reliable, responsive customer service in car insurance.
- Mercury: MoneyGeek score of 83 out of 100 ($2,178 per year)
- State Farm: MoneyGeek score of 75 out of 100 ($1,444 per year)
This ranking is based on high customer satisfaction, exceptional claims handling and comprehensive coverage options, without considering insurance rates.
Mercury's perfect ratings in satisfaction (45/45) and claims (30/30) drive its high MoneyGeek score of 83. The insurer provides common coverages like rental car and/or travel reimbursement and roadside assistance but lacks some common coverages. Despite this, Mercury offers mechanical breakdown insurance, which covers vehicle repairs after the warranty expires, ensuring long-term protection.
- Ranks well in city for general customer satisfaction
- Ranks well in city for claims satisfaction
- Offers mechanical breakdown insurance and roadside assistance
- Limited common coverage options
- Doesn't offer gap insurance
MoneyGeek ranks Orlando's car insurers based on client satisfaction, effective claims resolution, coverage options and fiscal health.
Best Cheap Car Insurance Companies in Orlando
Mercury provides the best cheap car insurance in Orlando, with a balanced mix of affordability and quality service.
- Mercury: MoneyGeek score of 85 out of 100 ($843 per year)
- State Farm: MoneyGeek score of 85 out of 100 ($728 per year)
Mercury's exceptional satisfaction and claims scores significantly contribute to its overall MoneyGeek rating. This score applies specifically to minimum coverage policies.
Mercury earns a high MoneyGeek score with perfect ratings in satisfaction (25/25) and claims (20/20), plus a strong affordability score (35/40). Policyholders save big with an annual minimum coverage premium of about $843.
Mercury offers a range of discounts, including bundling, multiple cars and safe driving. Its anti-theft system discount promotes proactive vehicle safety, and an automatic payment discount ensures smooth transactions.
- Offers teacher and automatic payment discounts
- Ranks first in the city for claims satisfaction
- Ranks first in the city for customer satisfaction
- Ranks fourth in the city for affordability
MoneyGeek ranks Orlando's car insurance providers based on cost effectiveness, customer satisfaction, claims processing, coverage options and financial health.
Average Cost of Car Insurance in Orlando
The average car insurance cost in Orlando is about $2,146 per year, lower than the state average of $2,392 and higher than the national average of $1,781.
Premiums vary by location due to factors like accident frequency, theft rates and legal costs. In Florida, Gainesville has the lowest average of $1,699, while Hialeah has the most expensive premium at $3,233. The $1,534 difference highlights how location affects insurance premiums. Rural areas with less traffic density have lower rates.
Brandon | $2,650 |
Cape Coral | $1,868 |
Clearwater | $2,273 |
Coral Springs | $2,635 |
Davie | $2,567 |
Fort Lauderdale | $2,605 |
Gainesville | $1,699 |
Hialeah | $3,233 |
Hollywood | $2,724 |
Jacksonville | $2,113 |
Lakeland | $2,015 |
Lehigh Acres | $1,980 |
Miami | $3,041 |
Miami Gardens | $2,961 |
Miramar | $2,556 |
Orlando | $2,146 |
Palm Bay | $1,899 |
Pembroke Pines | $2,508 |
Pompano Beach | $2,696 |
Port St. Lucie | $2,009 |
Spring Hill | $2,152 |
St. Petersburg | $2,382 |
Tallahassee | $1,782 |
Tampa | $2,855 |
West Palm Beach | $2,826 |
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.