Compare the Cheapest Car Insurance Quotes in Orlando, FL

Car insurance in Orlando costs an average of $1,862 per year, which is cheaper than the state average. The cheapest widely available insurer for the average driver is GEICO, but MoneyGeek also analyzed the cheapest options across different driver profiles and coverage levels. For those looking to balance insurance costs with quality, MoneyGeek ranked the best companies in Orlando.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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On average, GEICO offers the cheapest auto insurance in Orlando for full coverage and state minimum policies. While USAA provides the cheapest coverage in the city, only military members and their families qualify for its policies.

Based on MoneyGeek's ranking system, Esurance provides the best overall car insurance in the state, based on customer service and affordability. The cheapest insurance provider in the city, on average, for drivers with speeding tickets, is State Farm.

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The Cheapest and Best Car Insurance in Orlando

The Cheapest Car Insurance Companies in Orlando

If you plan to purchase a full-coverage policy in Orlando, the cheapest providers, on average, are:

  • GEICO: $1,202 per year
  • State Farm: $1,428 per year

Drivers from military backgrounds and active-duty service members can get the most affordable coverage in Orlando from USAA, at an average of $825 per year.

On average, GEICO's full-coverage policies are the cheapest in the city. Its rates cost almost half of what Progressive, the most expensive provider in Orlando, charges its customers for comparable coverage. With a full-coverage Progressive policy, drivers pay an average of $2,411 annually.

Your specific costs will vary from these average rates depending on various factors, including your driving record and profile. Full-coverage car insurance includes comprehensive and collision insurance.

Cheapest Car Insurance in Orlando
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $825
  • 2.
    GEICO
    $1,202
  • 3.
    State Farm
    $1,428
  • 4.
    Travelers
    $1,688
  • 5.
    MetLife
    $1,898
  • 6.
    Allied
    $1,925
  • 7.
    Allstate
    $2,055
  • 8.
    Mercury
    $2,290
  • 9.
    Progressive
    $2,411

MoneyGeek’s comparison of car insurance providers in Orlando applied quotes for a 40-year-old sample driver. We highlight the terms of a full-coverage policy on our methodology page.

Apart from the state minimum liability-only coverage, a full-coverage policy also contains the following two insurance types:

  • Collision Insurance: This coverage protects against damages from at-fault accidents involving collisions with other vehicles or objects.
  • Comprehensive Insurance: This insurance covers the cost of damage resulting from non-accident-related occurrences, like theft and fires.

As a result, full coverage car insurance policies cost more than state minimum coverage. Owners of old vehicles may prefer to purchase liability-only coverage — a full-coverage policy's premiums may be higher than the car’s value itself.

Compare Car Insurance Rates in Orlando

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Orlando for Minimum Coverage

The cheapest car insurance policies in Orlando meet state minimums for coverage. While this coverage features lower annual premiums, it may not cover all the costs in case of an accident. You will need to buy more coverage to avoid paying out of pocket.

Per MoneyGeek's research, the cheapest minimum coverage car insurance carriers in the city, on average, are:

  • GEICO: $546 per year
  • State Farm: $768 per year

USAA is the cheapest provider in the city, on average, but its policies only apply to military members and their families. The average annual cost for a USAA liability-only policy is $373. Progressive offers the priciest minimum car insurance coverage in the city, at $1,417 per year, on average. That’s about $871 more than the cheapest insurer.

Car insurance prices change across different coverage levels. By using the table below, you can compare costs for various available limits in Orlando.

Cheapest Minimum Liability Car Insurance in Orlando
State Minimum

By law, Florida drivers must have state minimum auto insurance with $10,000 in personal injury protection and $10,000 in property damage liability coverage. While it’s the cheapest auto insurance option in Orlando, this coverage may leave you on the hook for more out-of-pocket costs after an accident.

For instance, if you're in an accident and the other driver’s total medical bills reach $20,000, the insurer would cover $10,000. You would be responsible for paying the $10,000 balance out of pocket.

Florida Minimum Liability Requirements

  • Item
    Description
  • Property Damage
    $10,000 for property damage. A more protective level is 100/300/100.
  • Personal Injury Protection
    $10,000 per person.

Cheapest Car Insurance in Orlando if You Have Driving Violations

Your car insurance rates vary depending on your driving record. If you have a DUI, speeding ticket or at-fault accident, insurers will consider you high-risk, charging you higher rates than drivers with clean records.

According to MoneyGeek’s findings, the most affordable insurance carriers in Orlando for drivers with severe traffic violations are:

  • Cheapest After a Ticket: State Farm, $1,537 per year
  • Cheapest After an At-Fault Accident: State Farm, $1,646 per year
  • Cheapest After a DUI: State Farm, $1,537 per year

Drivers with violations on their records should shop around to compare quotes and find the best rates for their circumstances. You can also lower your rates over time by improving your record.

Cheapest Car Insurance in Orlando With a Violation
Speeding Ticket

Average Cost of Car Insurance in Orlando

Orlando$1,862
Florida$2,208
U.S.$1,424

On average, car insurance in Orlando costs around $1,862 per year. Orlando drivers pay 15.7% less than the average car insurance rate in the state. However, they pay 30.7% more than the $1,424 average annual premium in the United States.

Personalized Quotes to Get You the Cheapest Car Insurance in Orlando

Car insurance companies in Orlando calculate annual premiums by evaluating individual circumstances, such as age, car make and model, ZIP code, driving history, gender, marital status and credit score. As your circumstances change, so does the rate of your auto insurance. You may even be eligible for discounts and rebates.

For instance, a teen driver is more likely to pay higher premiums compared to a middle-aged individual. A 40-year-old male policyholder can get an annual average premium of $1,202 from GEICO. Meanwhile, an 18-year-old male will have to pay an average of $3,142 for a similar policy. The best way to get the most accurate rate is to compare personalized auto insurance quotes regularly.

Compare Car Insurance Rates in Orlando

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Orlando

According to MoneyGeek, the top-ranked car insurance providers overall combine quality service, affordable rates and financial stability. Our analysis determined that the best overall car insurance companies in Orlando are:

  • Esurance: MoneyGeek score of 95 out of 100
  • GEICO: MoneyGeek score of 85 out of 100

While USAA received the highest score in the city at 100 out of 100, we did not include the company in our rankings. Its policies only apply to former and current military members together with their families.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Esurance
Score:95

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Travelers
Score:85

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

5
MetLife
Score:82.5

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

6
Hartford
Score:82.5

2/5

Affordability

5/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Liberty Mutual
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Auto-Owners Insurance Co
Score:80

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

9
State Farm
Score:77.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A-

Financial Stability

10
Nationwide
Score:77.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Progressive
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Safeco
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

Your place of residence also plays a role in determining the cost of your car insurance in Orlando. The difference between the cheapest and most expensive neighborhoods for auto coverage in Orlando is around $125. Drivers from ZIP code 32838 pay around $1,792, while drivers from ZIP code 32822 have an average annual premium of $1,917.

  • Zip Code
    State Minimumper year
  • 32828
    $1,792
  • 32825
    $1,876
  • 32822
    $1,917

Factors That Impact Insurance Costs in Orlando

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Orlando. How Orlando ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities54th/300
handcuffs2 icon
Most Car Thefts45th/300
uninsured icon
Most Uninsured Motorists by State1st/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall26th/300
umbrella icon
Most Rainy Days82nd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Orlando are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.