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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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Nov 22, 2021
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- 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.
Table of Contents
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.