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How much is car insurance in Orlando?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $9 a month more expensive to insure your vehicle in Orlando than it is in the rest of Florida.
Similarly, drivers in Orlando may pay higher rates than the rest of the country. The cost of insuring a vehicle in Orlando is about $52 more expensive than the average rate for the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates 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. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Orlando Car Insurance Rates by Age
|Age Range||Average Premium|
It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. That said, once you hit retirement, your rates may rise again in Orlando.
Orlando Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Orlando, where female drivers pay around $14 more a month.
Orlando Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Orlando with a single accident will pay around $164 a month. Similarly, drivers with one ticket will typically pay around $147 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Orlando Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$133|
|15 Years or Older||$133|
As you can see in the first table above, the cheapest vehicles to insure in Orlando are typically trucks and vans, which run about $121 per month.
Car owners will see a monthly bill of about $135, while SUV owners usually pay around $124 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Orlando, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Orlando Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$137|
Overall, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Orlando, with married couples paying about $20 less per month.
Orlando Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$161|
Another factor taken into consideration is your housing status. Renters can expect to pay around $25 a month more than drivers who own property in Orlando. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Orlando, FL
Recent trends in car insurance for Orlando drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
The rates for auto insurance in Orlando declined from 2017-2019, when they reached a low of $116, but began to increase from 2020-2021. They finished down in 2022, at $123.
How does Orlando compare to neighboring areas?
Why are car insurance rates in Orlando different from other areas?
There are a variety of factors car insurance companies take into consideration when deciding how much to charge for coverage. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Access to off-street parking
- Local laws
- Crime rates
- Number of drivers in the region
- Road Safety (total number of local car accidents)
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Orlando.
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Orlando Auto Insurance FAQs
What factors affect car insurance quotes in Orlando?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Orlando different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Orlando or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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