Best Cheap Car Insurance in Orlando, FL
Best Cheap Car Insurance in Orlando, FL
Geico has the best cheap car insurance in Orlando, FL, at $28 per month for a minimum coverage policy.
Compare Car Insurance Rates in Orlando
Best cheap auto insurance in Orlando, FL
To help you find the best cheap car insurance in Orlando, ValuePenguin compared quotes for ZIP codes across the city from the top car insurance companies in Florida. Minimum coverage quotes meet Florida's state requirements of $10,000 in personal injury protection (PIP) coverage and $10,000 in property damage coverage. Quotes for full coverage include collision and comprehensive coverage plus higher liability limits than state minimums.
In addition, we ranked the best insurance companies in Orlando based on customer service, affordability and overall value.
Cheap auto insurance in Orlando, FL: Geico
Geico has the cheapest car insurance quotes in Orlando. A minimum coverage policy from Geico costs around $28 per month, which is 73% cheaper than the citywide average.
The average cost of car insurance in Orlando is $102 per month for minimum coverage.
Compare Car Insurance Rates in Orlando
The average car insurance cost in Orlando is slightly above the Florida state average, which is $91 per month. Florida has the fourth-highest car insurance rates in the United States for a minimum coverage policy.
Cheap minimum coverage car insurance quotes in Orlando
Company | Monthly rate | |
|---|---|---|
| Geico | $28 |
| State Farm | $39 |
| Travelers | $63 |
| Farmers | $82 |
| Progressive | $127 |
The cost of car insurance in Orlando varies depending on which company you choose. A policy from the cheapest company, Geico, costs $186 less per month than the same coverage from the most expensive option, Allstate. That's why it's important for Orlando drivers to compare quotes from multiple companies to find the cheapest rates.
Cheapest full coverage quotes in Orlando: State Farm
State Farm has the cheapest full coverage car insurance quotes in Orlando, with an average rate of $129 per month. That's 48% cheaper than average in Orlando.
The average full coverage policy in Orlando costs $247 per month — $9 more than the Florida average.
Company | Monthly rate |
|---|---|
| State Farm | $129 |
| Geico | $135 |
| Travelers | $196 |
| Farmers | $242 |
| Progressive | $284 |
In Orlando, full coverage car insurance costs $145 more per month than a minimum coverage policy.
However, full coverage car insurance offers more protection than minimum coverage. It includes higher liability limits than the state requirements, which can help protect you from paying for damage if you cause a serious accident.
Full coverage also includes collision and comprehensive coverages, which help pay for damage to your own car, regardless of whose fault an accident is. We recommend comprehensive and collision coverage for drivers with a car that's less than 10 years old or worth more than $5,000.
Cheap car insurance for drivers with prior incidents
State Farm has the most affordable quotes in Orlando for drivers with tickets or accidents on their records.
Orlando drivers with poor credit can find the cheapest coverage with Geico.
Drivers with prior incidents usually pay more for car insurance than people with a clean record. Insurance companies believe that these drivers are more likely to cause an accident in the future, which makes them more expensive to insure.
Drivers with poor credit generally make more car insurance claims, which is why they pay higher rates as well.
Cheapest car insurance in Orlando after a speeding ticket: State Farm
State Farm has the cheapest rates in Orlando for drivers with a speeding ticket. Full coverage from State Farm costs $139 per month after a single speeding ticket, which is 52% cheaper than the city average.
Company | Monthly rate |
|---|---|
| State Farm | $139 |
| Geico | $213 |
| Travelers | $243 |
| Farmers | $293 |
| UAIC | $318 |
In Orlando, drivers with a speeding ticket on their record pay an average of $43 more per month for a full coverage policy compared to drivers with a clean record.
Cheapest car insurance after an accident: State Farm
State Farm has the cheapest full coverage quotes in Orlando for drivers with an at-fault accident on their record, with an average of $150 per month. That's 58% less expensive than the city average, and $28 per month less than the second-cheapest company, Geico.
Company | Monthly rate |
|---|---|
| State Farm | $150 |
| Geico | $178 |
| Travelers | $268 |
| Farmers | $342 |
| UAIC | $416 |
Having an at-fault accident on your record in Orlando will increase your rates by around 45%, costing drivers on average $112 more per month compared to drivers with a clean record.
Cheapest car insurance in Orlando after a DUI: State Farm
State Farm has the most affordable car insurance in Orlando for drivers with a recent DUI. A full coverage policy from State Farm costs an average of $139 per month — 58% cheaper than the Orlando average.
Company | Monthly rate |
|---|---|
| State Farm | $139 |
| Geico | $222 |
| Farmers | $260 |
| Travelers | $290 |
| Progressive | $338 |
On average, drivers with a DUI in Orlando pay $335 per month for full coverage, which is $88 more per month than drivers with a clean record.
In addition, Florida drivers with a DUI may have to get an FR-44 filing. These drivers need to have higher liability limits on their insurance policy, which will usually increase their rates even more.
Cheapest car insurance for drivers with poor credit: Geico
Geico has the cheapest full coverage car insurance quotes for Orlando drivers with bad credit, with an average of $240 per month. That's 41% cheaper than the city average, which is $409 per month.
Company | Monthly rate |
|---|---|
| Geico | $240 |
| State Farm | $282 |
| UAIC | $318 |
| Farmers | $334 |
| Travelers | $414 |
On average, Orlando drivers with a poor credit score pay 65% more for car insurance than people with a good score. However, not all insurance companies treat bad credit the same way. For example, Farmers only increases rates by 38% for drivers with poor credit, while rates from State Farm are twice as expensive for these drivers.
Your credit score doesn't affect your ability to drive safely. However, car insurance companies believe that drivers with bad credit are more likely to make a claim in the future, which makes them more expensive to insure.
Cheapest quotes for teen drivers in Orlando: Geico
Geico has the most affordable car insurance in Orlando for teen drivers.
A minimum coverage policy from Geico costs $62 per month for an 18-year-old driver. That's 73% cheaper than the city average. Geico also has the cheapest full coverage quotes, with an average of $315 per month, which is only half as expensive as the Orlando average.
Monthly car insurance quotes for Orlando teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $62 | $315 |
| State Farm | $106 | $370 |
| Travelers | $139 | $528 |
| Progressive | $253 | $710 |
| Farmers | $270 | $828 |
On average, an 18-year-old driver in Orlando pays two to three times more for insurance than a 30-year-old driver.
Young drivers tend to pay more for insurance because they have less experience behind the wheel and tend to be more reckless, so they're more likely to make a mistake and cause an accident.
Teens should consider sharing a policy with their parents if they can — it's usually much cheaper to have a family policy than two separate policies.
Cheapest car insurance for teens with tickets or accidents: Geico
Geico has the cheapest quotes for young drivers in Orlando with a bad driving record.
A minimum coverage policy from Geico costs $72 per month for an 18-year-old driver with a single speeding ticket, which is 71% cheaper than average. It also has the cheapest quotes for teens with an at-fault accident on their record, with an average of $64 per month for minimum coverage. That's 78% cheaper than the Orlando average.
Monthly minimum coverage quotes for young drivers in Orlando
Company | Speeding | Accident |
|---|---|---|
| Geico | $72 | $64 |
| State Farm | $116 | $127 |
| Travelers | $170 | $191 |
| Progressive | $289 | $283 |
| Farmers | $329 | $347 |
Teen drivers in Orlando can expect to pay more for car insurance after a ticket or accident than those with a clean record. Car insurance rates for an 18-year-old driver increase by an average of 9% after a single speeding ticket and 18% after an at-fault accident.
Cheapest car insurance for married drivers: State Farm
State Farm has the most affordable full coverage quotes for a married driver in Orlando, with an average rate of $129 per month for a single car. However, State Farm doesn't give a discount to married drivers — they pay the same amount for car insurance as their unmarried counterparts.
Company | Monthly rate |
|---|---|
| State Farm | $129 |
| Geico | $136 |
| Travelers | $196 |
| Progressive | $231 |
| Farmers | $240 |
Progressive has the biggest discount for married drivers — 19%. But a full coverage policy from Progressive still costs $102 more per month than coverage from State Farm.
Married drivers in Orlando pay 4% less for full coverage insurance than unmarried drivers, on average. That's because they're less likely to be in an accident.
Best car insurance companies in Orlando, FL
State Farm has the best-rated car insurance in Orlando, Florida.
Customers are generally happy with the service they get at State Farm. It earned a high score on J.D. Power's annual claims satisfaction survey. State Farm also gets fewer complaints than expected, according to the National Association of Insurance Commissioners (NAIC). ValuePenguin editors also gave State Farm a high score due to its affordable rates, coverage availability and the overall value it provides Orlando drivers.
Best car insurance in Orlando
Company |
Editor's rating
|
|---|---|
| State Farm | |
| Geico | |
| Farmers | |
| Travelers | |
| Allstate |
When searching for affordable car insurance in Orlando, you should also consider an insurance company’s customer service ratings.
Companies with great customer service scores will help you get back on the road quickly after an accident. On the other hand, bad customer service can make the claims process take longer, or end up costing you more for repairs.
Average cost of car insurance in Orlando by ZIP code
The cheapest car insurance in Orlando can be found in the 32820 ZIP code, near Bithlo. The most expensive quotes are in the 32808 ZIP code, near Pine Hills.
Full coverage car insurance quotes in Orlando vary by $54 per month between the cheapest and most expensive ZIP codes. While the cost of auto insurance within a particular city tends to be pretty even, there are some factors — like population density, traffic and crime rates — that can cause rates to be higher or lower within a city.
Full coverage car insurance quotes by Orlando ZIP code
ZIP code | Monthly cost | % from average |
|---|---|---|
| 32789 | $239 | -4% |
| 32801 | $267 | 8% |
| 32803 | $249 | 1% |
| 32804 | $271 | 9% |
| 32805 | $284 | 15% |
Frequently asked questions
How much is car insurance in Orlando, Florida?
The average cost of car insurance in Orlando is $102 per month for minimum coverage. A full coverage policy in Orlando costs $247 per month, on average. That's between 4% and 12% more expensive than the average cost of car insurance in Florida.
Who is the cheapest auto insurance company in Orlando, FL?
Geico has the cheapest minimum coverage insurance in Orlando, at $28 per month. Drivers who need full coverage insurance can find the most affordable rates at State Farm, where a policy costs $129 per month, on average.
What is the best car insurance in Orlando, FL?
State Farm has the best-rated car insurance in Orlando, based on its great customer service scores, cheap quotes, coverage availability and the overall value it provides drivers in the area.
Methodology
To find the best cheap car insurance companies in Orlando, ValuePenguin gathered insurance rates from seven of the top car insurance companies in Florida. Quotes are for a 30-year-old driver with a clean driving record and good credit score, who drives a 2015 Honda Civic EX.
Full coverage car insurance quotes include comprehensive and collision coverage, along with liability limits that are higher than the Florida state minimum requirements.
- Bodily injury liability: $50,000 per person/$100,000 per accident
- Personal injury protection: $10,000
- Property damage liability: $25,000 per accident
- Uninsured/underinsured motorist bodily injury liability: $50,000 per person/$100,000 per accident
- Comprehensive and collision deductible: $500
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.