Compare Orlando, FL Car Insurance Rates (2021)

Car insurance in Orlando, FL averages $397 a month. Orlando, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Orlando car insurance rates, compare quotes from the top car insurance companies in Orlando, FL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Orlando is USAA
  • The cheapest ZIP code in Orlando is 32836
  • Average car insurance rates in Orlando, FL are $4,762/year

If you need to buy Orlando, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Orlando, FL is right here.

You’ll find Orlando car insurance rates, the cheapest Orlando, FL car insurance companies, and information on Florida car insurance laws. You can also compare Orlando, Florida car insurance rates to Orlando car insurance rates, Jacksonville car insurance rates, and Cape Coral car insurance rates.

Ready to find affordable Orlando, FL car insurance today? Enter your ZIP code for fast, free Orlando car insurance quotes.

Cheapest Orlando, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Orlando, FL car insurance rates? Every Orlando, Florida car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Orlando, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,866 $4,636 $4,229 $4,289 $17,026 $18,474 $4,802 $4,856
GEICO $2,905 $2,915 $2,722 $2,722 $5,216 $6,533 $3,199 $3,238
Liberty Mutual $3,881 $3,881 $3,548 $3,548 $8,295 $12,826 $3,881 $5,295
Nationwide $2,985 $2,940 $2,662 $2,752 $7,224 $8,872 $3,286 $3,410
Progressive $3,762 $3,556 $3,230 $3,453 $10,707 $11,664 $4,553 $4,347
State Farm $2,100 $2,100 $1,903 $1,903 $6,238 $7,959 $2,340 $2,506
USAA $1,613 $1,584 $1,508 $1,493 $5,572 $6,465 $2,016 $2,174

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Minimum Car Insurance in Orlando, FL

Every driver must carry the minimum car insurance in Orlando, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car Insurance Coverage in Orlando, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Orlando, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Orlando, FL. Compare credit history car insurance rates in Orlando from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Orlando, Florida

Insurance Company Poor Fair Good
Allstate $11,064 $6,981 $5,647
GEICO $5,381 $3,240 $2,422
Liberty Mutual $7,298 $5,331 $4,304
Nationwide $5,348 $3,915 $3,536
Progressive $7,366 $5,240 $4,371
State Farm $4,649 $3,025 $2,469
USAA $4,566 $2,228 $1,615

Cheapest Orlando, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Orlando, FL to rates for a clean record with top companies.

Annual Orlando, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,791 $8,174 $9,073 $7,552
GEICO $2,551 $3,273 $4,892 $4,009
Liberty Mutual $4,023 $5,272 $7,727 $5,555
Nationwide $3,631 $3,993 $5,401 $4,040
Progressive $4,445 $6,625 $5,563 $6,002
State Farm $3,085 $3,677 $3,381 $3,381
USAA $2,187 $2,709 $4,021 $2,295

Cheapest Orlando, FL Car Insurance for Teen Drivers

Teen car insurance in Orlando, FL can be expensive. Take a look at rates from the top car insurance companies in Orlando for teenagers.

Annual Car Insurance Rates for Teen Drivers in Orlando, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $17,026 $18,474
GEICO $5,216 $6,533
Liberty Mutual $8,295 $12,826
Nationwide $7,224 $8,872
Progressive $10,707 $11,664
State Farm $6,238 $7,959
USAA $5,572 $6,465

Cheapest Orlando, FL Car Insurance for Seniors

Take a look at Orlando, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Orlando, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,229 $4,289
GEICO $2,722 $2,722
Liberty Mutual $3,548 $3,548
Nationwide $2,662 $2,752
Progressive $3,230 $3,453
State Farm $1,903 $1,903
USAA $1,508 $1,493

Cheapest Orlando, FL Car Insurance Rates After a DUI

A DUI in Orlando, FL increases car insurance rates. Compare Orlando, Florida DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Orlando, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $9,073
GEICO $4,892
Liberty Mutual $7,727
Nationwide $5,401
Progressive $5,563
State Farm $3,381
USAA $4,021

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Cheapest Orlando, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Orlando, FL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Orlando, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,673 $8,122
GEICO $3,664 $3,699
Liberty Mutual $5,459 $5,830
Nationwide $4,266 $4,266
Progressive $5,659 $5,659
State Farm $3,263 $3,499
USAA $2,771 $2,835

Cheapest Orlando, FL Car Insurance Rates by ZIP Code

Orlando car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Orlando, FL.

Annual Car Insurance Rates by ZIP Code in Orlando, Florida

ZIP Code Average Annual Rates
32801 $3,615
32803 $3,605
32804 $3,749
32805 $3,921
32806 $3,679
32807 $3,700
32808 $3,981
32809 $3,923
32810 $3,782
32811 $3,921
32812 $3,691
32814 $3,581
32816 $3,616
32817 $3,644
32818 $3,981
32819 $3,589
32821 $3,605
32822 $3,766
32824 $3,850
32825 $3,719
32826 $3,644
32827 $3,638
32829 $3,641
32831 $3,599
32832 $3,571
32834 $3,595
32835 $3,742
32836 $3,562
32837 $3,668
32839 $3,923

The Best Cheap Car Insurance Companies in Orlando, FL

Take a look at a side-by-side comparison of the top car insurance companies in Orlando, FL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Orlando, Florida

Insurance Company Average Annual Rates
Allstate $7,897
GEICO $3,681
Liberty Mutual $5,644
Nationwide $4,266
Progressive $5,659
State Farm $3,381
USAA $2,803

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Category Winners: Cheapest Car Insurance in Orlando, Florida

Find the cheapest car insurance companies in Orlando, FL for each category right here.

Best Annual Car Insurance Rates by Company in Orlando, Florida

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Orlando, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Orlando car insurance rates. Find the cheapest Orlando, FL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Orlando, Florida

Insurance Company Low Medium High
Allstate $6,037 $8,323 $9,332
GEICO $3,031 $3,808 $4,205
Liberty Mutual $5,178 $5,737 $6,018
Nationwide $3,377 $4,433 $4,989
Progressive $4,766 $5,788 $6,423
State Farm $2,884 $3,467 $3,792
USAA $2,434 $2,899 $3,076

What affects car insurance rates in Orlando, Florida?

What factors can have an impact on Orlando, FL car insurance? There are several reasons why Orlando car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Orlando, Florida.

Car Theft in Orlando

High levels of vehicle theft can make car insurance more expensive. Orlando, FL car theft statistics from the FBI indicate 1,219 vehicle thefts a year.

Commute Time in Orlando

The more time you spend in your car the higher the risk of an accident. The average commute length in Orlando, FL is 26.1 minutes according to City-Data.

Traffic in Orlando

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Orlando, FL traffic data from INRIX ranks Orlando as the 429th-most congested in the world.

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Compare Car Insurance Quotes in Orlando, FL

Ready to find affordable Orlando, Florida car insurance today? Enter your ZIP code for fast, free Orlando, FL car insurance quotes.

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Average Monthly Car Insurance Rates by State