Best Cheap Car Insurance in Orlando, FL
Best Cheap Car Insurance in Orlando, FL
Compare Car Insurance Rates in Orlando
At an average of $2,361 per year, the state of Florida has the second highest car insurance rates in the United States for a minimum coverage policy. The average car insurance cost in Orlando is slightly above the state average, at an average rate of $2,406 per year. That being said, there are still some cheap car insurance companies in Orlando.
According to our research, Geico offers the cheapest rate for a minimum coverage policy in Orlando, at $859 per year.
Cheap car insurance in Orlando, Fl
The range of car insurance rates in Orlando varies significantly. Geico offers the cheapest rate at $859 per year for a minimum liability policy. This is $3,641 cheaper than the most expensive rate offered by Allstate for $4,500.
Compare Car Insurance Rates in Orlando
The cheapest rates for a minimum coverage policy in Orlando are offered by Geico and State Farm.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Geico | $859 |
| 2 | State Farm | $1,191 |
| 3 | Progressive | $3,072 |
| 4 | Allstate | $4,500 |
Cheapest full coverage policy in Orlando
A full coverage policy is more comprehensive than a minimum liability policy, and includes bodily injury, property damage, uninsured motorist, and collision and comprehensive coverages. The average full coverage policy in Orlando costs $3,277 per year. Geico offers the cheapest rate for a full coverage policy in Orlando at a rate of $1,430 per year.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Geico | $1,430 |
| 2 | State Farm | $1,958 |
| 3 | Progressive | $4,230 |
| 4 | Allstate | $5,492 |
Cheapest car insurance in Orlando for drivers with a speeding ticket
Insurers consider a driver with a speeding ticket more at-risk, and therefore charge higher rates. In Orlando, drivers with a speeding ticket on their record pay on average $739 more per year for a full coverage policy compared to drivers with a clean record. State Farm offers the cheapest rates in Orlando for drivers with a speeding ticket at $2,136 per year.
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $2,136 |
| 2 | Geico | $2,458 |
| 3 | Allstate | $5,492 |
| 4 | Progressive | $5,979 |
Cheapest car insurance in Orlando for drivers with a DUI
A DUI on your record can also significantly increase your rate for a full coverage policy. On average, drivers with a DUI in Orlando pay $879 more per year for a full coverage policy. The cheapest insurer for drivers with a DUI is State Farm, which has an average rate of $2,136 per year for a full coverage policy.
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $2,136 |
| 2 | Geico | $2,595 |
| 3 | Allstate | $5,053 |
| 4 | Progressive | $6,841 |
Cheapest car insurance in Orlando, Fl if you have an accident on your record
Having an at-fault accident on your record was found to be the incident with the greatest increase in insurance rates, costing drivers on average $1,366 more compared to drivers with a clean record. Geico offers the cheapest full coverage policy in Orlando for drivers with an accident at $1,933 per year.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Geico | $1,993 |
| 2 | State Farm | $2,314 |
| 3 | Progressive | $6,366 |
| 4 | Allstate | $7,898 |
Cheapest car insurance for young drivers in Orlando
Young drivers cost more to insure since they tend to be involved in more accidents compared to older drivers. The average rate for a full-coverage policy for a young driver in Orlando is 2.8 times the average rate for an older driver. The cheapest full coverage car insurance for a young driver in Orlando is offered by Geico for $3,828 per year.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Geico | $3,828 |
| 2 | State Farm | $5,744 |
| 3 | Progressive | $11,011 |
| 4 | Allstate | $15,697 |
Best car insurance company in Orlando, Florida
When searching for affordable car insurance in Orlando, you should also consider an insurer’s customer service ratings. Based on a customer satisfaction survey conducted by ValuePenguin, Allstate was rated as the best car insurance company in Florida based on customer satisfaction.
Allstate is also a good option if you are looking for gap insurance in Florida.
Cheapest car insurance in Orlando by ZIP code
While the cost of auto insurance within a particular city tends to be pretty even, there are some factors such as population density, traffic and crime rates which can cause rates to be higher or lower within a city. Among the rates for a full-coverage policy in Orlando, there is a range of $622 per year between different ZIP codes.
ZIP code | Average annual insurance cost |
|---|---|
| 32789 | $3,120 |
| 32801 | $3,133 |
| 32803 | $3,099 |
| 32804 | $3,263 |
| 32805 | $3,607 |
| 32806 | $3,149 |
| 32807 | $3,222 |
| 32808 | $3,661 |
| 32809 | $3,601 |
| 32810 | $3,511 |
| 32811 | $3,599 |
| 32812 | $3,207 |
Methodology
This analysis pulled insurance rates from the four most popular car insurance companies in Orlando, Florida. Unless a condition was otherwise noted, the sample driver used to calculate the full coverage policy rates was a 30-year-old with no accidents, DUIs or speeding tickets.
ValuePenguin used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should only be used for comparative purposes. The actual rates from these insurers may vary.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.