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Cheap Auto Insurance Quotes in Orlando, FL (2023)
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Written by
Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.
Reviewed by
Shawn Powers
VP of Insurance Sales at Insurify
As a licensed insurance agent with over 20 years of experience, Shawn Powers is the VP of Sales and Operations at Insurify. With his expertise, Shawn strives to help customers make informed and educated decisions in regard to their insurance policies. Previously, Shawn spent 15 years with Answer Financial (an Allstate company) as the VP of Sales and Operations.
Data reviewed by
Konstantin Halachev
VP of Engineering
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.
Updated December 21, 2022
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The average cost of minimum-coverage car insurance in Orlando is $319 per month, only slightly less than Florida’s average monthly cost of $323. Drivers looking to save money on a policy should compare car insurance quotes online from multiple providers.
Table of contents
- How much does car insurance cost in Orlando?
- Cheapest car insurance in Orlando: AssuranceAmerica Economy
- How much car insurance do you need in Orlando?
- Tips for getting cheap car insurance in Orlando
- How age affects car insurance rates in Orlando
- How credit scores affect cheap car insurance in Orlando
- The effect of driving habits on car insurance in Orlando
- Find local Orlando agents
- Orlando car insurance FAQs
How much does car insurance cost in Orlando?
Car insurance costs vary widely in Orlando. Drivers pay an average of anywhere from $147 to $410 per month for liability coverage and between $174 and $738 per month for full coverage, so it’s a good idea to compare quotes. Your age, credit score, driving history, and location can also affect the rate you pay each month.
Insurify’s data scientists analyzed the latest insurance rates in Orlando to identify the cheapest quotes in the area. The following providers stood out for offering the best rates in a few different categories.
Pronto: At $139 per month, Pronto offers the cheapest liability-only coverage in Orlando.
AssuranceAmerica Economy: At $210 per month, AssuranceAmerica Economy offers the cheapest full coverage in Orlando.
Travelers: At $286, Travelers offers the cheapest car insurance for younger drivers.
Read More: Average Cost of Car Insurance (With Quotes, 2022)
Cheapest car insurance in Orlando: AssuranceAmerica Economy
AssuranceAmerica Economy offers the cheapest car insurance in Orlando, with a monthly average rate of $204. This average takes into account both liability-only and full-coverage policies.
It can be helpful to understand the factors that influence car insurance rates.[1]
Driving record: The fewer accidents and tickets you have on your record, the less you’ll likely pay for car insurance.
Location: Your ZIP code can increase your auto insurance rates if you live in an area known for having more accidents or higher rates of theft and vandalism.
Age: Young drivers are often charged higher rates due to their lack of experience.
Vehicle usage: The more someone drives, the higher the likelihood they will file a claim, so providers often offer reduced rates for drivers who drive below a certain threshold of miles.
Vehicle type: The cost of insuring a car can be greatly impacted by how much it would cost to repair the car after an accident or replace it after a theft.
The following table outlines the cheapest car insurance rates in Orlando.
| Insurance Company | Insurify Composite Score (ICS) | Liability Only | Full Coverage |
|---|---|---|---|
| Hugo | N/A | $244 | $174 |
| Direct Auto | N/A | $275 | $233 |
| GAINSCO | N/A | $184 | $246 |
| Travelers | 80 | $239 | $251 |
| AssuranceAmerica Economy | N/A | $147 | $260 |
| Safeco | 86 | $258 | $285 |
| Progressive | N/A | $313 | $306 |
| Mercury | 81 | $287 | $326 |
| National General | 58 | $243 | $336 |
| Infinity | N/A | $299 | $356 |
| Liberty Mutual | 82 | $333 | $368 |
| Bristol West | N/A | $360 | $399 |
| Midvale Home & Auto | N/A | $339 | $401 |
| AssuranceAmerica | N/A | $348 | $453 |
| Pronto | N/A | $177 | $515 |
| Dairyland | N/A | $371 | $525 |
| The General | N/A | $410 | $738 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
Check Out: Cheap Car Insurance for 2022
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How much car insurance do you need in Orlando?
Drivers in Orlando and in all of Florida are required to carry the following amounts of minimum coverage:
$10,000 per accident for property damage liability
$10,000 per accident for personal injury protection (PIP)
Since Florida is a no-fault state, the insurance providers of each party must pay for their own medical expenses, no matter which driver caused the accident.
You must show proof of insurance in Florida if it’s requested by law enforcement, when you renew your vehicle registration, and when your car is involved in an accident. It’s recommended that you carry proof of insurance in your car at all times.[1]
Florida DMV information
The Florida Department of Highway Safety and Motor Vehicles (FLHSMV) offers both in-person and online services, such as renewing or applying for a driver’s license, registering a vehicle or title, paying for a speeding ticket, and accessing safety resources.
Tips for getting cheap car insurance in Orlando
If you’re looking to save money on your next car insurance policy, here are some ways you can find more affordable coverage.
Buy pay-per-mile car insurance. If you don’t drive a lot, you may benefit from a pay-per-mile car insurance policy. It’s a great way for telecommuters to save on auto insurance.
Ask for discounts. Car insurance companies offer a variety of discounts that you may qualify for, such as paperless and loyalty discounts.
Bundle your policies. Many car insurance providers also offer homeowners insurance and will offer reduced rates if you bundle more than one policy with them.
Choose a less expensive car. The less expensive your car is, the less it generally costs to insure. Avoid luxury cars if you want a more affordable insurance policy.
Shop around for the best rates. Don’t just settle for the first policy you find. Compare quotes from a few different car insurance companies to see which can provide you with the amount of coverage you need at a rate that works for your budget.
Check Out: Compare Home and Auto Insurance Bundles
How age affects car insurance rates in Orlando
Car insurance providers consider age when determining premium rates. Younger drivers typically pay more than older drivers since they don’t have much driving experience. Insurers consider inexperienced drivers more likely to file a claim, so they charge younger drivers higher premiums accordingly.
You can review the following table to get an idea of how age affects car insurance rates in Orlando.
| Age Group | Average Monthly Rate |
|---|---|
| Teenagers | $817 |
| Under 25 | $541 |
| 25–29 | $419 |
| 30s | $410 |
| 40s | $400 |
| 50s | $345 |
| 60s | $371 |
| 70s | $394 |
| 80+ | $238 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Read More: Compare Car Insurance by Age and Gender
Cheapest car insurance for young drivers in Orlando
Travelers offers the cheapest car insurance for young drivers in Orlando, at an average rate of $286 per month. The table below shows various other affordable providers based on their average rates for full-coverage policies. Young drivers can save even more by qualifying for a good student discount.
| Insurance Company | Average Monthly Rate |
|---|---|
| Travelers | $286 |
| Safeco | $290 |
| Progressive | $348 |
| National General | $367 |
| Direct Auto | $378 |
| Mercury | $420 |
| AssuranceAmerica | $449 |
| Liberty Mutual | $473 |
| Infinity | $496 |
| Midvale Home & Auto | $514 |
| Bristol West | $567 |
| Pronto | $646 |
| Dairyland | $682 |
| The General | $852 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for middle-aged drivers in Orlando
Travelers is the cheapest car insurance for middle-aged drivers in Orlando, at $232 per month. Safeco and National General also offer affordable monthly rates, at $256 and $260, respectively. One way middle-aged drivers can save on their policies is by bundling their car and home insurance policies.
| Insurance Company | Average Monthly Rate |
|---|---|
| Travelers | $232 |
| Safeco | $256 |
| National General | $260 |
| Direct Auto | $263 |
| Progressive | $285 |
| Mercury | $301 |
| AssuranceAmerica | $346 |
| Midvale Home & Auto | $354 |
| Infinity | $360 |
| Liberty Mutual | $377 |
| Bristol West | $460 |
| Dairyland | $483 |
| The General | $785 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for senior drivers in Orlando
Travelers is the cheapest car insurance for senior drivers in Orlando, at $202 per month. Senior drivers who want to save even more should consider a pay-per-mile policy that charges them only for the number of miles they drive.
| Insurance Company | Average Monthly Rate |
|---|---|
| Travelers | $202 |
| Mercury | $207 |
| Direct Auto | $211 |
| Safeco | $217 |
| Progressive | $222 |
| AssuranceAmerica | $267 |
| Infinity | $271 |
| Liberty Mutual | $315 |
| National General | $330 |
| Midvale Home & Auto | $373 |
| Dairyland | $378 |
| Bristol West | $432 |
| The General | $858 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How credit scores affect cheap car insurance in Orlando
Most auto insurance providers use consumer credit information when determining premiums, as certain credit behaviors can indicate how likely someone is to file an insurance claim.
Credit score rankings can vary slightly based on the credit-scoring model being used, but they generally rank as follows:
Poor: 500–600
Fair: 601–660
Good: 661–780
Excellent: 781–850
In some states, including Florida, it’s illegal to use a lack of a credit score to help determine insurance premiums.[2] However, insurers in Florida are allowed to use existing credit scores when setting rates. The following averages for full-coverage policies help illustrate how insurance prices can vary based on different credit scores for Orlando drivers.
| Credit Tier | Average Monthly Quote |
|---|---|
| Excellent | $342 |
| Good | $435 |
| Fair | $463 |
| Poor | $517 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Read More: Car Insurance Rates by Credit Tier
The effect of driving habits on car insurance in Orlando
Drivers who demonstrate good driving habits, like avoiding at-fault accidents and speeding tickets, typically receive more affordable rates than those with infractions on their records. Auto insurance companies consider these drivers less likely to file a claim and offer cheaper rates to them as a result.
It’s important to note that when you see a negative difference in a table, it doesn’t mean that a particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than your driving record.
Learn More: Cheapest Car Insurance by Driving Record (2022)
Cheapest car insurance with an accident in Orlando: Travelers
Travelers offers the cheapest car insurance to drivers with an accident in Orlando, at $270 per month. Drivers with accidents typically find higher rates than drivers with clean records, but you can still find affordable rates with the right insurers.
| Car Insurance Company | Clean Record | With Accident | Difference |
|---|---|---|---|
| Travelers | $239 | $270 | +$31 |
| Safeco | $257 | $272 | +$15 |
| Progressive | $271 | $397 | +$126 |
| Direct Auto | $283 | $365 | +$82 |
| National General | $296 | $379 | +$83 |
| Mercury | $303 | $453 | +$150 |
| AssuranceAmerica | $354 | $453 | +$99 |
| Infinity | $400 | $453 | +$53 |
| Liberty Mutual | $404 | $412 | +$8 |
| Midvale Home & Auto | $407 | $530 | +$123 |
| Bristol West | $480 | $492 | +$12 |
| Dairyland | $548 | $684 | +$136 |
| The General | $831 | $970 | +$139 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a DUI in Orlando: Travelers
Travelers offers the cheapest car insurance to drivers with a DUI in Orlando, at $415 per month. Drivers with DUIs on their records usually face severe rate increases, with some insurers refusing to even provide coverage. Even so, you can still find somewhat affordable rates with some insurers.
| Car Insurance Company | Clean Record | With DUI | Difference |
|---|---|---|---|
| Travelers | $239 | $415 | +$176 |
| Safeco | $257 | $476 | +$219 |
| Direct Auto | $283 | $422 | +$139 |
| Mercury | $303 | $537 | +$234 |
| Infinity | $400 | $499 | +$99 |
| Midvale Home & Auto | $407 | $776 | +$369 |
| Bristol West | $480 | $741 | +$261 |
| The General | $831 | $879 | +$48 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a speeding ticket in Orlando: Progressive
Progressive offers the cheapest car insurance to drivers with a speeding ticket in Orlando, at $171 per month. While speeding tickets can drive up insurance rates, they don’t usually affect rates as severely as DUIs.
| Car Insurance Company | Clean Record | With Speeding Ticket | Difference |
|---|---|---|---|
| Travelers | $239 | $259 | +$20 |
| Safeco | $257 | $221 | -$36 |
| Progressive | $271 | $171 | -$100 |
| Direct Auto | $283 | $352 | -$69 |
| National General | $296 | $309 | +$13 |
| Mercury | $303 | $363 | +$60 |
| AssuranceAmerica | $354 | $410 | +$56 |
| Infinity | $400 | $356 | -$44 |
| Liberty Mutual | $404 | $374 | -$30 |
| Midvale Home & Auto | $407 | $424 | +$17 |
| Bristol West | $480 | $476 | -$4 |
| Dairyland | $548 | $531 | -$17 |
| The General | $831 | $737 | -$94 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance in other Florida cities
Car insurance rates can vary greatly from city to city, even within the same state. Here’s a look at car insurance in other Florida cities.
Find local Orlando agents
Eton Bridge Insurance & Financial Solutions
7625 W SAND LAKE RD STE 201,
ORLANDO, FL 32819WS INSURANCE GROUP, LLC
5728 Major Blvd,
Orlando, FL 32819H&M Insurance and Tax Agency
6150 Silver Star Rd,
Orlando, FL 32808Business Insurance Center, Inc.
6979 Kingspointe Parkway,
Unit 9, Orlando, FL 32819Lancaster & Associates Insurance, Inc
1215 W Fairbanks Ave,
Orlando, FL 32804Humphreys Insurance Agency
4950 Hall Rd Ste C,
Orlando, FL 32817Harry Levine Insurance
7587 W Sand Lake Road,
Orlando, FL 32819The Hilb Group of Florida LLC (Orlando)
5639 Hansel Ave,
Orlando, FL 32809Hugh Cotton Insurance
2315 Curry Ford Rd,
Orlando, FL 32806TK Insurance and Financial Services, Inc.
496 Delaney Ave Ste 400,
Orlando, FL 32801
Orlando car insurance FAQs
Here are answers to some commonly asked questions about car insurance in Orlando.
The average cost of car insurance in Orlando is $364 a month. But it’s worth noting that the cost of car insurance can vary based on numerous factors, such as age, driving record, and the cost of your vehicle.
Location plays a large role in auto insurance pricing, and the severe weather in Florida can contribute to higher rates. For example, flood damage from natural disasters and weather events is common in Florida and can lead to an increased number of claims.
You’ll need to purchase rental car insurance when you rent a vehicle if you don’t already have the legally required amount of coverage. If you aren’t a car owner, you can purchase a non-owner liability policy to cover your rental vehicles.
For full-coverage auto insurance in Orlando, AssuranceAmerica Economy offers the cheapest average monthly rate, at $210. If you’re looking for liability-only coverage, Pronto has the cheapest average rate, at $139 per month.
One of the best ways to save money on car insurance is by comparing car insurance quotes online from multiple providers. Drivers should also try to maintain a clean driving record and take advantage of as many discounts as possible. Another way you can save is by participating in a telematics program, which tracks your driving and rewards you for safe driving habits.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- Florida Highway Safety and Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
- National Conference of State Legislatures. "States Consider Limits on Insurers’ Use of Consumer Credit Info." Accessed December 8, 2022
