Cheapest and Best Car Insurance Companies in Orlando, FL

The best and cheapest insurer for you will vary based on your preferences and coverage needs. GEICO provides the best and cheapest minimum coverage policies, while Travelers excels when it comes to quality service. Nationwide has the least expensive rates for teens. State Farm is an affordable option for military drivers or those with traffic violations like speeding tickets, at-fault accidents or DUI offenses. It also provides the best and cheapest full coverage policies in Orlando.

The following insurers offer the cheapest minimum coverage policies in Orlando:

• GEICO: $484 per year
• State Farm: $533 per year

Direct General Insurance has the most expensive rates at $1,544 per year. Although GEICO is the cheapest option in the city, State Farm provides the cheapest car insurance in Florida at $507 per year as of October 2022. This shows how location can impact the cost of your car insurance.

According to Florida law, drivers must have property damage and personal injury protection coverage. The following limits are required:

• $10,000 property damage liability per accident
• $10,000 personal injury protection

Minimum coverage policies provide the least amount of protection should you get in an accident. For instance, a policy with the limits included above would pay for up to $10,000 in property damage expenses for the third-party driver and up to $10,000 in medical expenses for you or your passengers. You are responsible for any costs that exceed this amount.

The following insurers in Orlando provide the cheapest full coverage policies:

• State Farm: $1,103 per year
• GEICO: $1,228 per year

Direct General Insurance has the most expensive rates at $2,639 per year. Drivers can also get cheap full coverage auto insurance in Florida with State Farm — a policy costs around $1,058 per year, on average, as of October 2022.

Consider buying a full coverage policy if you need collision and comprehensive insurance.

• Comprehensive Insurance: Helps pay for damage to your vehicle in the event of animal damage, theft, fire or severe weather.
• Collision Insurance: Covers you when your car is involved in a crash with another vehicle or object.

We recommend drivers with newer vehicles purchase a full coverage policy and protect their investment. For those with older cars, full coverage might not be worth the extra bucks.

In Orlando, State Farm offers the cheapest rates for drivers with the following traffic violations:

• Speeding ticket: State Farm ($1,243 per year)
• At-fault accident: State Farm ($1,349 per year)
• DUI: State Farm ($1,243 per year)

After an at-fault accident, Allstate has the most expensive rates at $4,057 per year. Nationwide is priciest for those with a DUI at $3,355 per year, whereas Progressive charges the highest quotes after a speeding ticket at $2,664 per year. Having a poor driving record will significantly increase your insurance rate; even relatively cheap rates for drivers with violations will still be more expensive than average-priced rates for drivers with a clean record.

Typically, your auto insurance will increase in proportion to the severity of your driving offense. For instance, drivers in Orlando with a speeding ticket will pay $307 more per year than a driver with a DUI offense. We found the cheapest car insurance for drivers with poor records to highlight affordable options.

For 16-year-old teens on a family policy, the least expensive auto insurance companies are:

• Nationwide: $3,440 per year for female teens; $3,875 for male teens
• State Farm: $3,817 per year for female teens; GEICO: $4,420 for male teens

The most expensive provider for female teens is Farmers at $6,081 per year, while Travelers is the most expensive provider for male teens at $6,643 per year. Car insurance for male teens is typically more expensive as insurers consider them riskier to insure. However, rate discrepancies tend to decrease in early adulthood.

You can save money by adding a teen to your family policy. For instance, a 16-year-old male in Orlando could save up to $4,940 per year by joining a family policy instead of purchasing an individual one. Although rates will be more expensive for teen drivers, it’s still possible to find relatively cheap auto insurance for teens by comparing providers’ rates and looking for key discounts.

Military drivers in Orlando can get the cheapest full coverage policies from the following providers:

• State Farm: $1,103 per year
• GEICO: $1,228 per year

USAA is another great option for those with a military background since it caters to their needs. You can also get cheap auto insurance policies for military drivers for full coverage policies with GEICO at $484 per year and State Farm at $533 per year.

It can be time-consuming to compare providers’ rates — it can take up to 15 minutes to input the personal information required for a single quote. Fortunately, MoneyGeek's car insurance calculator streamlines this process, estimating your rate using your driving record, age, preferred coverage level and the make and model of your vehicle.

The best insurer for you will vary depending on how much you value factors like affordability, customer service and coverage options. The best insurers for select categories are:

• Best overall: State Farm (MoneyGeek score of 76 out of 100)
• Best for service: Travelers (MoneyGeek score of 60 out of 100)
• Best cheap: GEICO (MoneyGeek score of 78 out of 100)

An insurer’s overall score may vary based on the factors weighted in that category. In addition to being the best insurer in Orlando, State Farm also provides the best car insurance in Florida. Military drivers may consider USAA for their insurance needs, as its policies cater exclusively to military members and their families.

In Orlando, the following companies are the best overall providers for full coverage car insurance:

• State Farm: MoneyGeek score of 76 out of 100 ($1,103 per year)
• GEICO: MoneyGeek score of 73 out of 100 ($1,228 per year)

Of the nine insurers in our comparison group, State Farm has the least expensive rates and the highest customer satisfaction ratings. This means that policyholders will receive quality service for a great value.

We didn’t take affordability into account when selecting the top providers for customer service in Orlando. These are our top-two options:

• Travelers: MoneyGeek score of 60 out of 100 ($1,648 per year)
• State Farm: MoneyGeek score of 58 out of 100 ($1,103 per year)

Travelers has the third-highest customer service rating and a relatively high claims management reputation. Of the insurers in our study, it has the fourth-cheapest annual premium.

The following insurers offer the cheapest minimum coverage policies in Orlando that comply with the state-mandated liability limits in Florida:

• GEICO: MoneyGeek score of 78 out of 100 ($484 per year)
• State Farm: MoneyGeek score of 76 out of 100 ($533 per year)

Minimum coverage policies have the lowest rates, but they offer the least amount of liability protection and don’t cover damages to your vehicle.

In Orlando, the average cost of auto insurance is $1,767 per year as of October 2022. This is $168 less than the average cost of auto insurance in Florida at $1,935 per year. However, the national average cost is $1,265 per year, $670 less expensive than the average cost of insurance in Florida.

The rates above are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.