Orlando, FL Car Insurance

On average, Orlando drivers pay a monthly average rate of around $131 for their car insurance. For more information refer to our guide below.
What rates can residents of Orlando expect to pay for their car insurance? Are rates in Orlando higher or lower than those in neighboring areas? How do they compare to the rest of Florida? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Orlando?

Area Average Monthly Car Insurance Premium
Orlando$131
FL$123
United States$81

As you can tell from the chart above, the cost of coverage in Orlando is about $8 a month more expensive than the rest of Florida.

Likewise, drivers in Orlando may pay higher rates than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $50 cheaper than it is in Orlando.

Although these are the average car insurance rates in Orlando, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

But don't worry, we've broken down the average rate for Orlando residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$423
18-24$176
25-34$125
35-44$125
45-54Not Enough Data
55-64$98
65+$107

It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $69 more than someone who is retirement aged.

For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may creep back up in Orlando.

Average Car Insurance Rates by Gender

Gender Average
Male$125
Female$139

Despite the national trend of women paying less than men for auto insurance, in Orlando men actually pay $125 per month for coverage while women pay $139.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$163
Multiple Accidents$218
1 Ticket$146
Multiple Tickets$212

Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Orlando, a driving record with one accident will usually get you a rate around $163 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $146.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$133
2-3 Years$127
4-5 Years$117
6-7 Years$128
8-10 Years$132
11-14 Years$135
15 Years or Older$133

As you can see in the first table above, the cheapest vehicles to insure in Orlando are by and large trucks and vans, which run about $121 per month.

SUV drivers will see rates of about $123 to insure their car, while car owners typically pay around $135 per month.

Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Orlando, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$136
Married$116
Divorced$108
Widowed$114

Generally speaking, those who have settled down into marriage will pay slightly less for car insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Orlando can be as much as $20 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$112
Rent$137
Live with parents$159

One other element taken into consideration is your living accommodations. Those who own their own home in Orlando can expect to pay around $25 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Orlando, FL

Recent trends in car insurance for Orlando drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In Orlando, the rates for car insurance had been decreasing from 2017-2019, when they hit a low of $116, but started to rise from 2020-2021. Rates finished down in 2022, at $99.

How does Orlando compare to neighboring areas?

Why are car insurance rates in Orlando different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:

  • Rate of crime
  • Road safety
  • Access to off-street parking
  • Total amount of drivers in the area
  • Local laws

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Orlando?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But hold on! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Orlando.

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Orlando Insurance FAQs

What factors affect car insurance quotes in Orlando?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Orlando different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Orlando?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Orlando?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Orlando or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes