Best Cheap Auto Insurance in Orlando, FL (2021)

The average Orlando, FL auto insurance rates are $397 per month. The minimum auto insurance in Orlando is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Orlando, Florida, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The minimum auto insurance required in Orlando, Florida is 10/20/10
  • The cheapest auto insurance company in Orlando is USAA
  • The average commute length in Orlando is 26.1 minutes

Orlando, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Orlando can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Orlando, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Orlando to other Florida cities, including Port St. Lucie auto insurance rates, Orlando auto insurance rates, and St. Petersburg auto insurance rates to see how Orlando, Florida auto insurance rates stack up.

Before you buy Orlando, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Orlando, Florida auto insurance quotes.

Minimum Auto Insurance in Orlando, Florida

Orlando, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Orlando, Florida.

Minimum Required Auto Insurance Coverage in Orlando, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Orlando, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Orlando, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Orlando, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,866 $4,636 $4,229 $4,289 $17,026 $18,474 $4,802 $4,856
GEICO $2,905 $2,915 $2,722 $2,722 $5,216 $6,533 $3,199 $3,238
Liberty Mutual $3,881 $3,881 $3,548 $3,548 $8,295 $12,826 $3,881 $5,295
Nationwide $2,985 $2,940 $2,662 $2,752 $7,224 $8,872 $3,286 $3,410
Progressive $3,762 $3,556 $3,230 $3,453 $10,707 $11,664 $4,553 $4,347
State Farm $2,100 $2,100 $1,903 $1,903 $6,238 $7,959 $2,340 $2,506
USAA $1,613 $1,584 $1,508 $1,493 $5,572 $6,465 $2,016 $2,174

Cheap Orlando, Florida Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Orlando, Florida is a challenge. Take a look at the annual teen auto insurance rates in Orlando, Florida.

Annual Auto Insurance Rates for Teen Drivers in Orlando, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $17,026 $18,474
GEICO $5,216 $6,533
Liberty Mutual $8,295 $12,826
Nationwide $7,224 $8,872
Progressive $10,707 $11,664
State Farm $6,238 $7,959
USAA $5,572 $6,465

Cheap Orlando, Florida Auto Insurance for Seniors

What are senior auto insurance rates in Orlando, Florida? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Orlando, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,229 $4,289
GEICO $2,722 $2,722
Liberty Mutual $3,548 $3,548
Nationwide $2,662 $2,752
Progressive $3,230 $3,453
State Farm $1,903 $1,903
USAA $1,508 $1,493

Cheap Orlando, Florida Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Orlando, Florida compared to the annual auto insurance rates with a clean record in Orlando, Florida.

Annual Orlando, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,791 $8,174 $9,073 $7,552
GEICO $2,551 $3,273 $4,892 $4,009
Liberty Mutual $4,023 $5,272 $7,727 $5,555
Nationwide $3,631 $3,993 $5,401 $4,040
Progressive $4,445 $6,625 $5,563 $6,002
State Farm $3,085 $3,677 $3,381 $3,381
USAA $2,187 $2,709 $4,021 $2,295

Cheap Orlando, Florida Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Orlando, Florida is not easy. Compare the annual rates for DUI auto insurance in Orlando, Florida to find the best deal.

Annual Auto Insurance Rates After a DUI in Orlando, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $9,073
GEICO $4,892
Liberty Mutual $7,727
Nationwide $5,401
Progressive $5,563
State Farm $3,381
USAA $4,021

Cheap Orlando, Florida Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Orlando, Florida annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Orlando, Florida

Insurance Company Poor Fair Good
Allstate $11,064 $6,981 $5,647
GEICO $5,381 $3,240 $2,422
Liberty Mutual $7,298 $5,331 $4,304
Nationwide $5,348 $3,915 $3,536
Progressive $7,366 $5,240 $4,371
State Farm $4,649 $3,025 $2,469
USAA $4,566 $2,228 $1,615

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Cheap Orlando, Florida Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Orlando, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Orlando, Florida to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Orlando, Florida

ZIP Code Average Annual Rates
32801 $3,615
32803 $3,605
32804 $3,749
32805 $3,921
32806 $3,679
32807 $3,700
32808 $3,981
32809 $3,923
32810 $3,782
32811 $3,921
32812 $3,691
32814 $3,581
32816 $3,616
32817 $3,644
32818 $3,981
32819 $3,589
32821 $3,605
32822 $3,766
32824 $3,850
32825 $3,719
32826 $3,644
32827 $3,638
32829 $3,641
32831 $3,599
32832 $3,571
32834 $3,595
32835 $3,742
32836 $3,562
32837 $3,668
32839 $3,923

Cheap Orlando, Florida Auto Insurance Rates By Commute

Commute length and annual mileage affect Orlando, Florida auto insurance. Find the cheapest annual Orlando, Florida auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Orlando, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $7,673 $8,122
GEICO $3,664 $3,699
Liberty Mutual $5,459 $5,830
Nationwide $4,266 $4,266
Progressive $5,659 $5,659
State Farm $3,263 $3,499
USAA $2,771 $2,835

Cheap Orlando, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Orlando, Florida? Check out the comparison of annual Orlando, Florida auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Orlando, Florida

Insurance Company Low Medium High
Allstate $6,037 $8,323 $9,332
GEICO $3,031 $3,808 $4,205
Liberty Mutual $5,178 $5,737 $6,018
Nationwide $3,377 $4,433 $4,989
Progressive $4,766 $5,788 $6,423
State Farm $2,884 $3,467 $3,792
USAA $2,434 $2,899 $3,076

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Best By Category: Cheapest Auto Insurance in Orlando, Florida

Compare the cheapest auto insurance companies in Orlando, Florida in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Orlando, Florida

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Orlando, Florida Auto Insurance Companies

What auto insurance companies in Orlando, Florida are the cheapest? Compare the top Orlando, Florida auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Orlando, Florida

Insurance Company Average Annual Rates
Allstate $7,897
GEICO $3,681
Liberty Mutual $5,644
Nationwide $4,266
Progressive $5,659
State Farm $3,381
USAA $2,803

What affects auto insurance rates in Orlando, Florida?

There are a lot of reasons why auto insurance rates in Orlando, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Orlando, Florida. Many local factors may affect your Orlando auto insurance rates.

Orlando Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Orlando, Florida auto theft statistics, there have been 1,219 auto thefts in the city.

Orlando Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Orlando, Florida commute length is 26.1 minutes according to City-Data.

Orlando Traffic

How does Orlando, Florida rank for traffic? According to Inrix Orlando, Florida is the 429th most congested worldwide.

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Compare Orlando, Florida Auto Insurance Quotes

Before you buy Orlando, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Orlando, Florida auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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