Car Insurance in Orlando

The average Orlando car insurance rates are between $130-$140/month. Orlando requires a minimum of 10/20/10 for bodily injury and property damage and $10,000 for PIP coverage.

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Reviewed byJoel Ohman
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UPDATED: May 22, 2020

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Here's what you need to know...

  • Orlando is the 27th largest city in the U.S. with a population of over two million people
  • Florida is a “no-fault” state and requires only liability coverage
  • There are plenty of options to choose from for auto insurance companies in Orlando, from local to well-known, large companies
  • Florida has a large number of uninsured drivers; approximately 24 percent of drivers don’t have insurance

Motorists living in Orlando must abide by Orlando car insurance regulations. Drivers in this area must purchase car insurance that meets or exceeds the state minimum coverage.

Liability coverage limits in this state are 10/20/10. These numbers mean up to $10,000 worth of coverage per individual with $20,000 being the maximum allotted amount for all individuals. The additional $10,000 is for property damage expenses if they should arise from an accident.

Orlando, Florida is one of the most popular tourist cities in the United States. It is the 27th largest metropolitan city with a population of well over two million people.

Orlando is a vibrant city that continues to grow because of what it offers, including:

  • prominent visitor attractions
  • numerous festivities
  • attractive real estate choices

This region is made up of four counties which include:

  • Lake
  • Orange
  • Osceola
  • Seminole

All of the drivers in these counties are looking for cheap car insurance! We help drivers every day find the best car insurance quotes.

Compare car insurance for FREE with your ZIP code search and find savings for Orlando!

Car Insurance Laws for Orlando

Liability auto coverage is mandatory for all Orlando motorists whether they own their vehicles outright or not. Additional coverage may be necessary if the driver is leasing or financing a vehicle.

Before an individual can receive state car insurance, they need to provide the following information and documents:

  • Drivers license/Proof of age
  • Location of residence/Phone number
  • Social security information
  • Five to 10-year driving history
  • Copy of car title and/or registration
  • List of any additional drivers if applicable

Under Orlando’s No-Fault system, insurance companies will pay all accident claims whether the driver is at fault or not. The state of Florida put this system in place to help reduce the cost of car insurance.

In exchange for a lower premium, the driver may give up the privilege to seek damages by way of a lawsuit. Each insurer has the right to set a limit on the amount they will agree to pay out for each claim.

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The Difference Between an Insurance Agency and an Insurance Company

A slight difference exists between insurance agencies and car insurance companies. An insurance company is a sole provider, offering insurance policies according to their own terms and prices.

Insurance companies do work with agents, however, most of their agents are employees or representatives that work exclusively on the company’s behalf.

Insurance agencies or agents are independent contractors that have the freedom to work with any company they choose. These agents are essentially middlemen who scan the market for insurance companies offering the top car insurance rates.

This agent can represent one company or several companies simultaneously.

In most cases, insurance agencies will work on behalf of several companies to provide the greatest amount of options for their customers.

Orlando Car Insurance Companies

Several leading insurers are offering reasonable car insurance rates to Orlando residents. Most of these companies have websites that allow customers to enter in their personal information and receive instant car insurance quotes.

These websites give Orlando residents the opportunity to compare rates without spending a considerable amount of time on the telephone.

Some of the top auto insurance companies offering the best rates include:

  • State Farm Insurance — Well-known insurance provider with many agents in Orlando
  • Geico Insurance — Offers reliable coverage at competitive rates with savings for new customers
  • Progressive Insurance — Allows you to compare the price of other insurers from their website
  • Allstate Insurance — Provides insurance for residents in Orlando and the surrounding counties

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Orlando Car Insurance Agencies

A fair amount of independent and family-owned insurers are operating in the city of Orlando. Drivers who wish to work with smaller companies may opt to purchase insurance through these providers.

In most instances, small independent companies give their potential customers the opportunity to negotiate which is a luxury that may not exist with a large and familiar insurance company.

The independent insurance agencies in the Greater Orlando area includes:

  • Freedom Insurance — Family owned and operated; low down-payment options
  • Edison Insurance — A full-service insurance agency operating since 1943; was acquired by Marsh & McLennan Agency in 2012
  • Riles and Allen Insurance — Independent agents and authorized resellers for several companies
  • Ace Underwriting Group — Exclusive Florida insurer; offering online quotes
  • FED USA Insurance — Insures high-risk drivers; low deductible options

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The Average Orlando Car Insurance Rates

Motorists in the Orlando area can expect to pay over $1600 each year for auto insurance. The average premiums are $130-$140 per month. This is just a broad estimate since certain factors can raise or lower the amount of a premium.

For instance, a person carrying liability insurance, or just enough insurance to get by, may end up paying half this amount. On the other hand, a person under the age of 25 with a poor driving record can end up paying more.

Orlando Driving and Car Insurance Statistics

One should always be cautious when driving in Orlando since it is an active metropolis.

Unfortunately, the state of Florida is part of a region that has a substantial amount of fatalities and crashes.

According to the census for fatal crashes in the United States, Orlando sits in a region that had over 6,000 crashes in one year.

The state of Florida also has a large number of uninsured drivers, peaking at approximately 24 percent. With these statistics, it is simple to see why driving without insurance in Orlando is extremely risky.

Drivers should always purchase substantial insurance for their vehicles in order to receive complete protection in the event of an accident. This leads to high car insurance accident statistics!

Compare Orlando Car Insurance

When purchasing car insurance, it is a good idea to receive online car insurance quotes from multiple insurers before making a final decision. Drivers should avoid choosing the first quote they receive just to get on the road.

Putting anxiety before good judgment can cause a driver to accept insufficient insurance at a high monthly cost.

Patience is the key to receiving the best insurance at the lowest rates. To find the best car insurance rates in Orlando, search online for the most reputable insurers and start comparison shopping today.

Enter your ZIP code below and begin comparing Florida rates for car insurance TODAY!

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