bestauto insuranceOrlandoCompare the Cheapest Car Insurance Quotes in Orlando, FL
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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.
bestauto insuranceOrlandoThe 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
- Company100/300/100per year
- 1.$825
- 2.$1,202
- 3.$1,428
- 4.$1,688
- 5.$1,898
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.
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
- CompanyState Minimumper year
- 1.$373
- 2.$546
- 3.$768
- 4.$835
- 5.Allied$895
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
- ItemDescription
- 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
- CompanySpeeding Ticketper year
- 1.$911
- 2.$1,537
- 3.$2,055
- 4.$2,112
- 5.$2,233
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.
The Best Car Insurance Companies in Orlando
MoneyGeek’s analysis of the average rates, customer satisfaction scores and claims ratings of different insurers shows that the following companies offer the best car insurance in Orlando:
- GEICO: MoneyGeek score of 83 out of 100
- State Farm: MoneyGeek score of 75 out of 100
USAA doesn’t offer policies to non-military drivers. That’s why the company wasn’t included in the MoneyGeek analysis. However, it received a score of 100 out of 100, making it the best car insurance company in Orlando.
1
GEICO
Score:83
It costs $1,202 per year for GEICO’s full coverage policy in Orlando. The company ranked the highest for customer satisfaction and affordability, while it ranked the second highest for claims. It offers mechanical breakdown insurance.
More About GEICO
GEICO’s mechanical breakdown insurance in Orlando offers protection in case of any failures in your car. It covers all the systems and parts, usually not covered by a dealer’s extended warranty. The company offers it at an affordable price for new or leased cars less than 15 months old with less than 15,000 miles.
The company also offers accident forgiveness coverage, ensuring that your insurance rates do not increase with your first at-fault accident. Besides these coverages, GEICO also offers common coverages like roadside assistance and rental car and/or travel reimbursement.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:75
State Farm’s full coverage car insurance costs an average of $1,428 per year in Orlando. The company has the highest satisfaction scores, while it ranked second-highest for claims and affordability. It offers rideshare insurance.
More About State Farm
State Farm’s rideshare insurance coverage in Orlando greatly benefits drivers working for ridesharing companies like Uber or Lyft. It extends its personal auto policy coverages like medical, emergency roadside assistance and rental car reimbursement and ensures these coverages remain effective while the driver is looking for a rider. It also puts their policy deductible in effect. When the driver starts the ride, all coverages except liability insurance remain.
The company also offers other common coverages to the policyholders, including roadside assistance and rental car and/or travel reimbursement.
Read MoneyGeek's State Farm auto Insurance Review3
Travelers
Score:66
4
Allstate
Score:57
5
MetLife
Score:55
6
Allied
Score:34
7
Mercury
Score:27
8
Progressive
Score:26
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 CodeState 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.
About Mark Fitzpatrick
