Cheapest and Best Car Insurance in Orlando, FL (2024)


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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.

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2024

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.

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These rates reflect the cheapest car insurance quotes in Orlando, FL, as of July 2024.

127,836Quotes Analyzed
 
9Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident: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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full 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.

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Rates updated:

Dec 06, 2024

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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.

Company logo for State Farm
Best OverallState Farm
MoneyGeek Score:
85/ of 100

Overview

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.

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.

Company logo for Mercury
Best for Customer ServiceMercury
MoneyGeek Score:
83/ of 100

Overview

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.

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.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
85/ of 100

Overview

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.

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 headshot

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.