Best Cheap Car Insurance in Orlando, FL

Best Cheap Car Insurance in Orlando, FL

Compare Car Insurance Rates in Orlando

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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.

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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.

cheap car insurance orlando fl

Compare Car Insurance Rates in Orlando

Currently insured?

The cheapest rates for a minimum coverage policy in Orlando are offered by Geico and State Farm.

Rank
Company
Annual rate
1Geico$859
2State Farm$1,191
3Progressive$3,072
4Allstate$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
1Geico$1,430
2State Farm$1,958
3Progressive$4,230
4Allstate$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
1State Farm$2,136
2Geico$2,458
3Allstate$5,492
4Progressive$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
1State Farm$2,136
2Geico$2,595
3Allstate$5,053
4Progressive$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
1Geico$1,993
2State Farm$2,314
3Progressive$6,366
4Allstate$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
1Geico$3,828
2State Farm$5,744
3Progressive$11,011
4Allstate$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.

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
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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.