Orlando may be home to the “Most Magical Place on Earth” — but the city’s average car insurance rates are a bit less magical. At $268 per month, Orlando’s average rate is nearly double the national average.
State Farm offers the cheapest rates on auto policies in Orlando, according to our research. You can find rates below the state average by comparing quotes and taking advantage of discounts. This guide will walk you through how to find the cheapest auto insurance in Orlando, no matter your driver profile.
Key Takeaways:
- Orlando’s auto insurance rates are $12 higher than the Florida average.
- State Farm’s average car insurance rate is the lowest in the city, at $77 per month.
- Florida is a no-fault state, which means drivers must purchase personal injury protection (PIP).
In This Article:
- Average Price for Car Insurance in Orlando
- Cheapest Orlando Car Insurance Companies
- Best Orlando Car Insurance Companies of 2024
- Orlando Rate Breakdowns by Driver and Coverage Type
- Florida Auto Insurance Requirements
- Frequently Asked Questions
The Average Cost for Orlando Car Insurance
The average car insurance rate in Orlando is $268 per month. Rates vary based on a variety of factors, including your age, driving history, vehicle, ZIP code, and more.
Orlando’s rates aren’t cheap — but let’s see how they stack up against other cities.
Is car insurance more expensive in Orlando?
The table below shows how Orlando’s rates compare to average rates in other Florida cities.
| State | Average Rates |
|---|---|
| Orlando | $268 |
| Jacksonville | $255 |
| Miami | $315 |
| Tampa | $341 |
| Florida average | $256 |
| National average | $135 |
Orlando’s average rate is 4% higher than the state average and 49% higher than the national average. But its above-average rate is still lower than other large cities in Florida, such as Tampa and Miami. Car insurance rates can vary by ZIP code based on local traffic patterns, repair costs, property values, and crime rates.
Find Orlando’s Cheapest Rates in Minutes
Orlando’s Cheapest Car Insurance Companies
Even though Orlando’s average monthly premium is $268, there are ways to save on your insurance costs. The table below outlines the cheapest options in the city, based on average rates from Compare.com.
| Company | Compare.com Rating | Average Monthly Premium | Average Monthly Savings* |
|---|---|---|---|
| State Farm | 4.90/5 | $77 | $191 |
| GEICO | 4.65/5 | $79 | $189 |
| Hugo | 3.22/5 | $86 | $182 |
| Allstate | 4.93/5 | $134 | $134 |
| Travelers | 4.57/5 | $162 | $106 |
| *Savings are calculated based on the difference between each insurer’s average monthly premium and the statewide average for all insurers. | |||
State Farm takes the top spot, followed by GEICO and Hugo. But the cheapest insurer for one driver may not be the cheapest for you. After all, rates vary based on many different factors. That’s why you should shop around and compare car insurance quotes from Orlando’s cheapest insurance companies.
Let’s check out the best insurance companies in Orlando for three different driver demographics.
Top 3 Best Orlando Insurance Companies of 2024
Before we count down the three best insurance companies in Orlando, remember that no single company is “best” for everyone. Your ideal insurer depends on your specific needs and financial situation.
We chose the following companies based on a combination of local average rates, available discounts, customer ratings and reviews, and selection of coverages.
Read on to explore the best car insurance companies for different types of Orlando drivers.
State Farm: Best for affordable coverage
- Average premium: $77 per month
- Compare.com rating: 4.90 out of 5
State Farm is the largest insurance company in the U.S. by market share — but don’t let the company’s massive footprint fool you. This insurer still maintains a high standard for customer service, earning Florida’s highest customer satisfaction score from J.D. Power.
State Farm also offers the cheapest average rates in Orlando, at just $77 per month. You can lower your rates even more when you take advantage of popular State Farm discounts, such as a multi-car discount, a home-and-auto bundle, and safe driving discounts.
Pros:
- Cheapest average rates in Orlando
- Highest J.D. Power score in Florida
- Multiple available discounts
Cons:
- Not the cheapest option for teens
- Mixed Better Business Bureau (BBB) reviews
- May lack personalized attention of smaller insurers
GEICO: Best for teens
- Average premium: $114 per month
- Compare.com rating: 4.65 out of 5
GEICO is the third-largest insurance company in the U.S. by market share and consistently earns high customer satisfaction scores from J.D. Power.
While teens typically pay some of the highest car insurance rates around, they pay just $114 per month with GEICO — less than one-third of the citywide rate for teens ($347 per month). Young drivers can save even more when they qualify for GEICO’s good student discount.
Pros:
- Lowest rates for teens
- Above-average J.D. Power customer satisfaction score
- Good-student discount available
Cons:
- Gap insurance not available
- No student away at school discount
- Above-average number of customer complaints
Hugo: Best for remote workers
- Average premium: $86 per month
- Compare.com rating: 3.22 out of 5
While Hugo has only been around since 2016, the company has grown thanks to its unique pay-as-you-go coverage. Drivers who work from home tend to drive less — and they can save when they choose Hugo.
If you’re looking for robust coverage or a wide range of additional insurance products, you may not find what you’re looking for with Hugo. The company currently doesn’t offer full coverage in Florida, though that could change.
Pros:
- Unique pay-as-you-go coverage
- Temporary coverage available
- Lowest rates for middle-aged drivers
Cons:
- No full-coverage insurance available in Florida
- Rideshare insurance not available
- AM Best financial strength rating of B+ (Good)
Car Insurance Rates for Liability Insurance: State Farm
Your coverage level affects your rates — the more coverage you buy, the more you’ll end up paying. The cheapest policy you can find is liability-only coverage at your state’s minimum requirement.
If you cause an accident, liability-only insurance covers the other driver’s medical bills and vehicle repairs — but not your own.
Orlando drivers pay $220 per month, on average, for liability-only coverage. But several companies offer policies far below the citywide average.
The following table lists the cheapest liability-only insurance policies in Orlando.
| Company | Average Monthly Premium | Average Monthly Savings* |
|---|---|---|
| State Farm | $71 | $149 |
| GEICO | $73 | $147 |
| Hugo | $81 | $139 |
| Allstate | $124 | $96 |
| Safeco | $143 | $77 |
| *Savings are calculated based on the difference between each insurer’s average monthly premium and the statewide average for all insurers. | ||
State Farm, GEICO, and Hugo are by far the cheapest options. Allstate is a distant fourth — over $50 more expensive than State Farm. While prices vary among the companies, all five are significantly cheaper than the city average.
You may decide you want more robust insurance — so let’s explore the cheapest full-coverage car insurance options in Orlando.
How We Chose the Cheapest Companies in Orlando:
Our team analyzed thousands of rates from dozens of the top insurance companies in Orlando. Using that data, we listed the five cheapest options for Orlando drivers based on several key factors, such as age, coverage level, driving history, and more. All of the rates listed are based on someone who drives a 2016 Honda Accord and has the minimum limits for coverage in Orlando. The listed “full-coverage” rates include $500 deductibles for collision and comprehensive coverages in addition to state-minimum liability coverage.
Cheapest Car Insurance Rates for Full-Coverage Insurance: State Farm
Full-coverage insurance includes collision coverage and comprehensive coverage, which cover your own vehicle’s repairs after an accident or non-collision event, such as severe weather. It can be a good option for drivers of new or high-value vehicles. On average, Orlando drivers pay $316 per month for full coverage.
Here are the cheapest car insurance companies in Orlando for full coverage:
| Company | Average Monthly Premium | Average Monthly Savings* |
|---|---|---|
| State Farm | $83 | $233 |
| GEICO | $85 | $231 |
| Hugo | $90 | $226 |
| Allstate | $144 | $172 |
| Travelers | $175 | $141 |
| *Savings are calculated based on the difference between each insurer’s average monthly premium and the statewide average for all insurers. | ||
Once again, State Farm, GEICO, and Hugo are the clear top three for affordability. Note that all five insurers offer full-coverage rates below the city average for liability-only coverage. This means drivers looking for robust protection and affordable rates are in good shape with any of these companies.
Compare Orlando Auto Insurance Rates by Age
Your age is one of many factors that affect your car insurance rates. Young drivers pay the highest rates due to their higher likelihood of getting into car accidents. But rates come down in your 30s and remain low through middle age.
The following table breaks down the cheapest auto insurance in Orlando by age group.
| Age Group | Cheapest Company | Cheapest Average Rate | Citywide Average Rate |
|---|---|---|---|
| Teens | GEICO | $114 | $347 |
| 20s | State Farm | $90 | $245 |
| 30s | State Farm | $75 | $205 |
| 40s | Hugo | $67 | $197 |
| 50s | Hugo | $59 | $180 |
| 60s | State Farm | $60 | $177 |
| 70s | State Farm | $58 | $186 |
Once again, Orlando’s three cheapest car insurers make an appearance. GEICO offers the cheapest policies for teens, while Hugo offers the cheapest policies to middle-aged drivers. Meanwhile, State Farm is the cheapest insurer for seniors.
Let’s take a closer look at the cheapest car insurance companies for teens and seniors.
Cheapest car insurance for Orlando teens: GEICO
Car insurance companies see teens as riskier to insure due to their higher rate of serious crashes. Fortunately, young drivers can save on car insurance by staying on their parent’s insurance policy or taking advantage of good student discounts.
Teens pay an average of $114 per month for car insurance with GEICO, making it the cheapest option in the city. Teen drivers can save an additional 15% when they qualify for GEICO’s good student discount. Drivers can save even more — and develop safe driving habits — when they enroll in GEICO’s DriveEasy telematics program.
Cheapest car insurance for Orlando seniors: State Farm
Retirees aren’t commuting regularly to the office — and, because they’re driving less, they tend to pay cheaper car insurance rates. That’s the case in Orlando, where drivers in their 60s and 70s pay some of the lowest average rates in the city.
State Farm offers the lowest rates in Orlando for senior drivers, at $58 per month. While State Farm doesn’t offer discounts specifically for Florida seniors, any driver can benefit from the company’s bundling, multi-car, and accident-free discounts.
Get Cheaper Rates, Regardless of Age
Compare Orlando Auto Insurance Rates by Driving Record
Like age, auto insurance companies consider your driving history when determining your rates. Getting traffic violations or at-fault accidents on your record will raise your rates.
The table below lists the cheapest car insurance in Orlando for different infractions.
| Driving Record | Cheapest Company | Cheapest Average Rate | Citywide Average Rate |
|---|---|---|---|
| Clean record | State Farm | $77 | $268 |
| Speeding ticket | State Farm | $88 | $261 |
| At-fault accident | State Farm | $95 | $279 |
| DUI | State Farm | $116 | $319 |
State Farm is the clear choice for drivers in Orlando with a spotty record. Even drivers with DUIs — who typically face rates north of $300 per month in Orlando — pay rates below the city and state average when they choose State Farm.
Let’s focus first on drivers with a ticket on their driving record.
Cheapest car insurance in Orlando after a ticket: State Farm
Receiving a ticket can raise your rates by 31%, according to Compare.com data. Car insurance companies will see you as high-risk after a ticket and charge higher premiums to offset that risk.
Fortunately, drivers with a ticket can find affordable rates in Orlando when they choose State Farm. The company’s’s average rate for drivers with a ticket is $88 per month — $261 less than the city average. Drivers with State Farm can reduce rates further after a ticket by enrolling in a defensive driving course, which will qualify you for a discount.
Cheapest car insurance in Orlando after an accident: State Farm
When you get in an at-fault accident, car insurance companies consider you a higher risk for future claims. Drivers with an at-fault accident pay 39% more for car insurance, according to Compare.com data.
Once again, State Farm is more affordable if you’ve experienced an at-fault accident. The company’s average monthly rate of $95 is $279 lower than the citywide average.
Taking a defensive driving course can be a good way to change the narrative after an accident. State Farm will reward policyholders with a discount when they enroll in an eligible course.
Cheapest car insurance in Orlando after a DUI: State Farm
Driving under the influence (DUI) is a serious infraction that can lead to a fine of up to $1,000 and a license suspension up to a year after a first offense in Florida. Your car insurance costs can increase by 50% after a DUI, according to Compare.com data.
The cheapest car insurance company in Orlando for a driver with a DUI is State Farm, which offers an average rate of $116 per month, $203 less than the citywide average.
Florida Auto Insurance Requirements
Florida requires all drivers to have car insurance, though the state’s coverage minimums are lower than in many other states. Florida drivers must purchase at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability insurance.
PIP covers 80% of your own medical expenses after a car accident, regardless of fault. And if you cause an accident, property damage liability insurance covers damage to another person’s property.
If you’re caught driving without car insurance, you can face a license plate suspension of up to three years. Reinstating your license will come with a fee of up to $500.
Compare Rates from Florida’s Best Insurance Companies
Orlando Auto Insurance FAQs
Here are answers to some commonly asked questions about car insurance in Orlando.
Which company has the cheapest auto insurance in Orlando?
State Farm is the cheapest auto insurance company in Orlando, with an average premium of $77 per month, according to Compare.com data.
How much is car insurance in Orlando?
Orlando drivers pay $268 per month for car insurance, which is $12 higher than the Florida average and nearly double the national average, according to Compare.com data.
How can I find cheaper car insurance in Orlando?
State Farm, GEICO, and Hugo are a few companies that consistently offer affordable car insurance rates in Orlando, according to our research. Comparing quotes from multiple car insurance companies is a good idea if you’re looking for cheaper car insurance.
How much car insurance is required in Florida?
Florida requires drivers to purchase $10,000 in personal injury protection and $10,000 in property damage liability insurance.
What happens if you get caught driving without insurance in Orlando?
Driving without car insurance in Orlando can lead to a license suspension of up to three years. You’ll need to pay a $500 reinstatement fee to get your license back.
Data Methodology:
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Sources
- J.D. Power, “2023 U.S. Auto Insurance Study,” accessed April 17, 2024.
- Insurance Information Institute, “What determines the price of an auto insurance policy?,” accessed April 17, 2024.
- National Association of Insurance Commissioners, “2023 Property and Casualty Market Share,” accessed April 17, 2024.
- National Association of Insurance Commissioners, “NAIC Complaint Trend Report,” accessed April 17, 2024.
- NOLO, “Florida’s DUI Laws and Penalties for a 1st, 2nd, and 3rd Offense,” accessed April 17, 2024.
