Orlando, FL Auto Insurance (2023)
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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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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?
Whether you’ve made the choice to rent a car in Orlando or you are driving your own, 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.
Frequently Asked Questions
What are the minimum auto insurance requirements in Orlando, Florida?
The minimum auto insurance requirements in Orlando, Florida, according to Florida auto insurance laws, are 10/20/10 coverage. This means you must have at least $10,000 in bodily injury liability per person, $20,000 in bodily injury liability per accident, and $10,000 in property damage liability.
How does age, gender, and marital status impact auto insurance rates in Orlando, Florida?
Age, gender, and marital status can affect auto insurance rates in Orlando, Florida. Generally, younger drivers, male drivers, and single drivers tend to have higher insurance rates compared to older drivers, female drivers, and married drivers.
What are the average auto insurance rates for teen drivers in Orlando, Florida?
Finding cheap auto insurance for teen drivers in Orlando, Florida can be challenging. On average, teen drivers in Orlando may face higher insurance rates due to their lack of driving experience and higher risk profile.
How do driving records affect auto insurance rates in Orlando, Florida?
Your driving record plays a significant role in determining your auto insurance rates in Orlando, Florida. A clean driving record with no accidents or traffic violations can result in lower insurance premiums, while a bad driving record may lead to higher rates.
How does credit history impact auto insurance rates in Orlando, Florida?
Credit history can have a significant impact on auto insurance rates in Orlando, Florida. Insurance companies often consider credit scores when determining premiums. A higher credit score generally indicates a lower risk profile, which can result in lower insurance rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.