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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.

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2023

Cheapest and Best Car Insurance in Orlando, FL

Cheapest Minimum Liability Car Insurance 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.

Company
Annual Premium
Monthly Premium

GEICO

$446

$37

GEICO

$484

$40

State Farm

$497

$41

State Farm

$533

$44

State Farm

$613

$51

GEICO

$637

$53

Nationwide

$699

$58

Mercury

$723

$60

Nationwide

$736

$61

Travelers

$754

$63

Mercury

$761

$63

Travelers

$796

$66

Nationwide

$847

$71

Travelers

$858

$72

Farmers

$973

$81

Mercury

$982

$82

State Farm

$1,012

$84

Allstate

$1,013

$84

Farmers

$1,022

$85

Allstate

$1,030

$86

Allstate

$1,038

$86

State Farm

$1,103

$92

Progressive

$1,127

$94

Progressive

$1,141

$95

GEICO

$1,141

$95

Farmers

$1,146

$95

GEICO

$1,228

$102

Progressive

$1,276

$106

State Farm

$1,317

$110

Nationwide

$1,383

$115

Direct General Insurance

$1,464

$122

Nationwide

$1,479

$123

Direct General Insurance

$1,544

$129

Travelers

$1,562

$130

Mercury

$1,600

$133

Travelers

$1,648

$137

Mercury

$1,704

$142

GEICO

$1,734

$145

Nationwide

$1,746

$146

Direct General Insurance

$1,839

$153

Travelers

$1,866

$155

Progressive

$1,888

$157

Farmers

$1,912

$159

Progressive

$1,932

$161

Farmers

$2,091

$174

Allstate

$2,248

$187

Allstate

$2,262

$189

Progressive

$2,270

$189

Mercury

$2,322

$193

Allstate

$2,347

$196

Farmers

$2,390

$199

Direct General Insurance

$2,573

$214

Direct General Insurance

$2,639

$220

Direct General Insurance

$3,350

$279

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.

Cheapest Full Coverage Car Insurance in Orlando

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.

Company
Annual Premium
Monthly Premium

GEICO

$446

$37

GEICO

$484

$40

State Farm

$497

$41

State Farm

$533

$44

State Farm

$613

$51

GEICO

$637

$53

Nationwide

$699

$58

Mercury

$723

$60

Nationwide

$736

$61

Travelers

$754

$63

Mercury

$761

$63

Travelers

$796

$66

Nationwide

$847

$71

Travelers

$858

$72

Farmers

$973

$81

Mercury

$982

$82

State Farm

$1,012

$84

Allstate

$1,013

$84

Farmers

$1,022

$85

Allstate

$1,030

$86

Allstate

$1,038

$86

State Farm

$1,103

$92

Progressive

$1,127

$94

Progressive

$1,141

$95

GEICO

$1,141

$95

Farmers

$1,146

$95

GEICO

$1,228

$102

Progressive

$1,276

$106

State Farm

$1,317

$110

Nationwide

$1,383

$115

Direct General Insurance

$1,464

$122

Nationwide

$1,479

$123

Direct General Insurance

$1,544

$129

Travelers

$1,562

$130

Mercury

$1,600

$133

Travelers

$1,648

$137

Mercury

$1,704

$142

GEICO

$1,734

$145

Nationwide

$1,746

$146

Direct General Insurance

$1,839

$153

Travelers

$1,866

$155

Progressive

$1,888

$157

Farmers

$1,912

$159

Progressive

$1,932

$161

Farmers

$2,091

$174

Allstate

$2,248

$187

Allstate

$2,262

$189

Progressive

$2,270

$189

Mercury

$2,322

$193

Allstate

$2,347

$196

Farmers

$2,390

$199

Direct General Insurance

$2,573

$214

Direct General Insurance

$2,639

$220

Direct General Insurance

$3,350

$279

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.

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Cheapest Car Insurance in Orlando After a Driving Offense

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.

Company
Annual Premium
Monthly Premium

State Farm

$563

$47

State Farm

$563

$47

State Farm

$605

$50

State Farm

$605

$50

State Farm

$614

$51

State Farm

$659

$55

GEICO

$680

$57

State Farm

$697

$58

State Farm

$697

$58

GEICO

$731

$61

State Farm

$760

$63

GEICO

$793

$66

GEICO

$835

$70

Nationwide

$836

$70

GEICO

$864

$72

Nationwide

$874

$73

GEICO

$899

$75

GEICO

$932

$78

GEICO

$942

$79

Nationwide

$985

$82

Allstate

$1,013

$84

Allstate

$1,030

$86

Nationwide

$1,032

$86

Allstate

$1,038

$86

Mercury

$1,040

$87

Farmers

$1,042

$87

Nationwide

$1,074

$90

Travelers

$1,086

$91

Travelers

$1,092

$91

Travelers

$1,105

$92

Farmers

$1,107

$92

State Farm

$1,142

$95

State Farm

$1,142

$95

Travelers

$1,151

$96

Travelers

$1,156

$96

Travelers

$1,176

$98

GEICO

$1,180

$98

Mercury

$1,187

$99

Nationwide

$1,197

$100

Farmers

$1,201

$100

Farmers

$1,216

$101

State Farm

$1,240

$103

State Farm

$1,243

$104

State Farm

$1,243

$104

Mercury

$1,258

$105

Mercury

$1,271

$106

Progressive

$1,278

$107

Farmers

$1,284

$107

Progressive

$1,286

$107

Allstate

$1,293

$108

Allstate

$1,296

$108

Allstate

$1,312

$109

Travelers

$1,339

$112

Travelers

$1,343

$112

State Farm

$1,349

$112

Travelers

$1,355

$113

Farmers

$1,376

$115

Farmers

$1,413

$118

Progressive

$1,428

$119

Progressive

$1,442

$120

Mercury

$1,464

$122

Direct General Insurance

$1,464

$122

Progressive

$1,476

$123

State Farm

$1,488

$124

State Farm

$1,488

$124

Mercury

$1,494

$125

Mercury

$1,522

$127

Direct General Insurance

$1,544

$129

Direct General Insurance

$1,557

$130

Direct General Insurance

$1,568

$131

Farmers

$1,574

$131

Farmers

$1,588

$132

Progressive

$1,592

$133

State Farm

$1,616

$135

Nationwide

$1,618

$135

Progressive

$1,649

$137

Nationwide

$1,659

$138

Nationwide

$1,667

$139

Progressive

$1,688

$141

Allstate

$1,724

$144

Allstate

$1,728

$144

Allstate

$1,747

$146

Mercury

$1,755

$146

Nationwide

$1,756

$146

Mercury

$1,774

$148

Nationwide

$1,812

$151

Progressive

$1,815

$151

GEICO

$1,819

$152

Direct General Insurance

$1,839

$153

Direct General Insurance

$1,856

$155

GEICO

$1,929

$161

Nationwide

$2,022

$169

Nationwide

$2,054

$171

Farmers

$2,093

$174

Direct General Insurance

$2,134

$178

Direct General Insurance

$2,152

$179

Nationwide

$2,160

$180

GEICO

$2,190

$183

Progressive

$2,204

$184

Progressive

$2,212

$184

Allstate

$2,248

$187

Allstate

$2,262

$189

GEICO

$2,275

$190

Travelers

$2,298

$191

Farmers

$2,315

$193

GEICO

$2,333

$194

Travelers

$2,336

$195

Allstate

$2,347

$196

Mercury

$2,388

$199

Farmers

$2,397

$200

Travelers

$2,406

$200

Travelers

$2,409

$201

GEICO

$2,414

$201

Travelers

$2,451

$204

Nationwide

$2,455

$205

GEICO

$2,482

$207

Travelers

$2,520

$210

Direct General Insurance

$2,573

$214

Farmers

$2,578

$215

Progressive

$2,586

$216

Direct General Insurance

$2,586

$216

Direct General Insurance

$2,639

$220

Progressive

$2,664

$222

Farmers

$2,667

$222

Progressive

$2,681

$223

Mercury

$2,697

$225

Direct General Insurance

$2,711

$226

Direct General Insurance

$2,731

$228

GEICO

$2,735

$228

Travelers

$2,805

$234

Travelers

$2,857

$238

Mercury

$2,866

$239

Farmers

$2,882

$240

Travelers

$2,930

$244

Farmers

$2,961

$247

Mercury

$3,023

$252

Progressive

$3,041

$253

Allstate

$3,060

$255

Progressive

$3,064

$255

Allstate

$3,072

$256

Progressive

$3,142

$262

Allstate

$3,180

$265

Nationwide

$3,234

$270

Direct General Insurance

$3,350

$279

GEICO

$3,353

$279

Nationwide

$3,355

$280

Farmers

$3,419

$285

Mercury

$3,424

$285

Farmers

$3,447

$287

Direct General Insurance

$3,448

$287

Mercury

$3,448

$287

Progressive

$3,477

$290

Mercury

$3,519

$293

Direct General Insurance

$3,629

$302

Direct General Insurance

$3,700

$308

Nationwide

$3,700

$308

Allstate

$4,057

$338

Allstate

$4,087

$341

Mercury

$4,126

$344

Allstate

$4,193

$349

Mercury

$4,255

$355

Direct General Insurance

$4,654

$388

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.

Cheapest Car Insurance in Orlando for Teens and Their Families

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,799

$4,375

GEICO

$1,933

$4,701

GEICO

$2,008

$5,396

GEICO

$2,081

$5,063

State Farm

$2,244

$2,728

Travelers

$2,279

$3,907

State Farm

$2,323

$2,824

State Farm

$2,369

$2,801

Travelers

$2,400

$3,962

State Farm

$2,420

$3,237

State Farm

$2,452

$2,980

Nationwide

$2,488

$4,114

GEICO

$2,542

$4,272

State Farm

$2,567

$3,515

Travelers

$2,583

$4,818

Travelers

$2,587

$4,435

Nationwide

$2,603

$3,444

State Farm

$2,608

$3,082

Nationwide

$2,615

$3,461

Nationwide

$2,621

$3,607

Nationwide

$2,653

$4,810

Travelers

$2,654

$4,549

State Farm

$2,712

$3,643

Nationwide

$2,713

$3,828

Nationwide

$2,742

$3,629

Nationwide

$2,747

$3,780

Travelers

$2,765

$4,564

State Farm

$2,787

$3,294

GEICO

$2,789

$4,687

State Farm

$2,829

$3,874

Travelers

$2,852

$5,414

State Farm

$2,857

$4,350

Nationwide

$2,869

$4,372

Travelers

$2,884

$5,232

GEICO

$2,916

$5,530

Nationwide

$2,931

$4,033

Travelers

$2,963

$4,891

Nationwide

$2,994

$5,723

GEICO

$3,000

$5,872

GEICO

$3,010

$6,094

Nationwide

$3,032

$5,013

GEICO

$3,041

$5,111

State Farm

$3,050

$4,062

Nationwide

$3,318

$7,146

Travelers

$3,324

$6,036

Nationwide

$3,361

$6,094

Allstate

$3,367

$5,108

State Farm

$3,380

$4,904

Allstate

$3,384

$7,385

Allstate

$3,427

$7,716

Travelers

$3,432

$6,227

Nationwide

$3,440

$9,810

Nationwide

$3,440

$9,810

Nationwide

$3,440

$9,810

Travelers

$3,443

$7,282

State Farm

$3,474

$4,627

Allstate

$3,481

$5,165

State Farm

$3,492

$5,262

Allstate

$3,604

$18,276

GEICO

$3,711

$8,339

GEICO

$3,749

$8,653

State Farm

$3,786

$5,493

State Farm

$3,817

$6,217

GEICO

$3,872

$7,578

Nationwide

$3,875

$12,283

Nationwide

$3,875

$12,283

Nationwide

$3,875

$12,283

Allstate

$3,920

$5,948

GEICO

$3,963

$8,026

Travelers

$3,990

$9,202

Progressive

$4,026

$3,851

Allstate

$4,039

$21,802

Allstate

$4,043

$7,151

Travelers

$4,064

$7,381

State Farm

$4,077

$6,037

Allstate

$4,082

$6,057

Travelers

$4,088

$8,854

Allstate

$4,095

$6,613

Allstate

$4,172

$6,330

GEICO

$4,175

$9,210

GEICO

$4,210

$8,836

Farmers

$4,249

$4,047

Farmers

$4,328

$4,212

Allstate

$4,358

$6,467

GEICO

$4,365

$9,160

GEICO

$4,366

$9,493

GEICO

$4,420

$10,259

Allstate

$4,428

$11,911

GEICO

$4,433

$9,778

Allstate

$4,442

$9,692

Farmers

$4,454

$3,552

Farmers

$4,543

$3,752

Allstate

$4,575

$11,915

Farmers

$4,578

$3,782

State Farm

$4,586

$6,790

Farmers

$4,612

$3,892

Farmers

$4,615

$3,813

State Farm

$4,628

$7,732

Farmers

$4,643

$3,703

Progressive

$4,649

$4,446

Farmers

$4,735

$4,008

Farmers

$4,815

$3,840

Progressive

$4,899

$5,607

Travelers

$4,902

$11,408

Progressive

$4,920

$6,260

Progressive

$4,940

$4,103

Progressive

$4,970

$6,034

Allstate

$5,006

$11,271

Travelers

$5,044

$11,634

Progressive

$5,059

$4,839

Farmers

$5,189

$11,648

Allstate

$5,279

$33,515

Farmers

$5,280

$12,393

Travelers

$5,288

$15,754

Progressive

$5,312

$10,414

Progressive

$5,317

$11,041

Progressive

$5,389

$6,858

Progressive

$5,480

$4,552

Progressive

$5,492

$6,667

Allstate

$5,497

$34,994

Progressive

$5,513

$7,926

Progressive

$5,533

$7,452

Farmers

$5,554

$6,147

Farmers

$5,588

$13,116

Allstate

$5,622

$28,504

Farmers

$5,625

$12,627

Progressive

$5,792

$5,746

Progressive

$5,832

$4,844

Farmers

$5,923

$6,542

Progressive

$5,943

$13,258

Allstate

$5,969

$32,215

Farmers

$6,016

$5,855

Progressive

$6,037

$12,822

Farmers

$6,081

$17,312

Progressive

$6,128

$12,726

Farmers

$6,165

$17,248

Progressive

$6,258

$12,268

Travelers

$6,306

$14,676

Travelers

$6,643

$20,295

Farmers

$6,650

$6,333

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.

Cheapest Car Insurance in Orlando for Military Drivers

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.

Company
Annual Premium
Monthly Premium

GEICO

$446

$37

GEICO

$484

$40

State Farm

$497

$41

State Farm

$533

$44

State Farm

$613

$51

GEICO

$637

$53

Nationwide

$699

$58

Mercury

$723

$60

Nationwide

$736

$61

Travelers

$754

$63

Mercury

$761

$63

Travelers

$796

$66

Nationwide

$847

$71

Travelers

$858

$72

Farmers

$973

$81

Mercury

$982

$82

State Farm

$1,012

$84

Allstate

$1,013

$84

Farmers

$1,022

$85

Allstate

$1,030

$86

Allstate

$1,038

$86

State Farm

$1,103

$92

Progressive

$1,127

$94

Progressive

$1,141

$95

GEICO

$1,141

$95

Farmers

$1,146

$95

GEICO

$1,228

$102

Progressive

$1,276

$106

State Farm

$1,317

$110

Nationwide

$1,383

$115

Direct General Insurance

$1,464

$122

Nationwide

$1,479

$123

Direct General Insurance

$1,544

$129

Travelers

$1,562

$130

Mercury

$1,600

$133

Travelers

$1,648

$137

Mercury

$1,704

$142

GEICO

$1,734

$145

Nationwide

$1,746

$146

Direct General Insurance

$1,839

$153

Travelers

$1,866

$155

Progressive

$1,888

$157

Farmers

$1,912

$159

Progressive

$1,932

$161

Farmers

$2,091

$174

Allstate

$2,248

$187

Allstate

$2,262

$189

Progressive

$2,270

$189

Mercury

$2,322

$193

Allstate

$2,347

$196

Farmers

$2,390

$199

Direct General Insurance

$2,573

$214

Direct General Insurance

$2,639

$220

Direct General Insurance

$3,350

$279

How to Compare Cheap Orlando Car Insurance Quotes Online

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.

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USAA

Best Car Insurance in Orlando: Summary

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.

Best Overall Car Insurance in Orlando

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.

How was this MoneyGeek score calculated?

State Farm

pros

Offers the least expensive rates out of nine insurers in our study

Has the highest customer satisfaction rating

Offers mechanical breakdown insurance (MBI)

cons

Has a relatively low claims management rating

Does not offer new car replacement

Offers few coverage options

COMPANY HIGHLIGHTS

State Farm is the best overall insurer, balancing customer service and affordability. This means that policyholders will get the most out of their monthly premiums. State Farm also provides mechanical breakdown insurance, a rare add-on option.

Compared to the typical dealer-extended warranty, MBI covers all parts and systems for a lower rate. Drivers are only eligible if they have a new or leased car that is less than 15 months old and has less than 15,000 miles. This add-on coverage benefits drivers who want to get additional protection for their vehicles.

You can get accident forgiveness with State Farm by earning or purchasing it. This can save you hundreds of bucks since it guarantees your premiums won’t increase after your first at-fault accident. Drivers can earn this coverage if they are over the age of 21 and have been accident-free for five years or more.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance in Orlando for Customer Service

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.

How was this MoneyGeek score calculated?

Travelers

pros

Has a relatively high customer service rating

Has the highest claims management rating of the insurers in our comparison group

Offers new car replacement

cons

Doesn’t offer a deductible modification add-on option

COMPANY HIGHLIGHTS

Travelers offers a decent amount of handy coverages that most drivers can use, including new car replacement, gap insurance and accident forgiveness.

With Travelers’s Premier New Car Replacement coverage, drivers can get extra coverage if they total their new car in the first five years of ownership. Opting for this add-on coverage means that Travelers will replace your vehicle with a brand-new car of the same make and model. In the event your car is declared a total loss, gap insurance covers leased vehicles by paying the difference between the car’s actual cash value and the remaining balance on your lease. Drivers can purchase accident forgiveness coverage, which will prevent your premium from increasing after your first at-fault accident.

Customer service may not be your top priority, but it can be extremely helpful during stressful situations, like if your car breaks down or you get in an accident. Knowing your insurer will swiftly process your claim can provide you with peace of mind.

Read MoneyGeek's Travelers Auto Insurance Review

Best Cheap Car Insurance in Orlando

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.

How was this MoneyGeek score calculated?

GEICO

pros

An affordable minimum coverage policy costs $484 per year

Offers discounts for bundling insurance policies, insuring multiple cars and installing anti-lock brakes

Has the second-best rating for customer service

cons

Has a relatively low claims management score

Does not offer a pay-in-full or paperless discount

COMPANY HIGHLIGHTS

Orlando drivers can get the cheapest premiums with GEICO for around $40 per month. This is the cheapest rate of the insurers in our comparison group. It also received the second-highest score for customer satisfaction. GEICO offers common and unique discounts that most drivers can use.

GEICO offers policies for bundling insurance policies, insuring multiple vehicles and staying accident-free for at least five years. You can also lower your premium by installing safety features, such as airbags, anti-lock brakes or an anti-theft system. Drivers who complete a defensive driving or driver’s education course are also eligible for a discount. Policyholders can get rare discounts when they consistently wear seatbelts or install daytime running lights. These options are rarely offered by other competitors.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Orlando

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.