How to find the cheapest car insurance in Orlando
On average, car insurance in Orlando costs about $171 per month for minimum coverage liability insurance, and about $352 per month for full coverage insurance. Orlando drivers pay 12% more than the average rate in Florida.
With hundreds of providers and thousands of car insurance products on the market, finding the right coverage—let alone the right price!—can be challenging. Jerry helps you compare quotes and makes finding cheap car insurance in Florida and West Palm Beach quick and hassle-free!
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Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Mendota | $267 | 58 | 32833 | Ford F-150 | State Minimum | Yes |
| Bristol West | $260 | 19 | 32835 | Mazda Cx-7 | State Minimum | No |
| National General | $238 | 29 | 32821 | Nissan Rogue S | No Coverage | Yes |
| Assurance America | $286 | 38 | 32818 | Toyota Camry L | No Coverage | No |
| Gainsco | $128 | 50 | 32806 | Ford F-150 | No Coverage | No |
Cheapest Orlando car insurance for good drivers
Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in Orlando can save up to 40% on their insurance, and with Jerry’s DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
| Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
| Jonas, 25 | 94 | 35% | No | -State Minimum Liability -Minimum Coverage |
| Alejandra, 34 | 77 | 24% | No | -100/300 -Comp/Collision |
| Jean, 44 | 85 | 29% | No | -State Minimum Liability -Minimum Coverage |
| Michelle, 54 | 97 | 38% | No | -State Minimum Liability -Minimum Coverage |
| Eric, 64 | 67 | 22% | No | -State Minimum Liability -Comp/Collision |
Best car insurance companies in Orlando
Looking for the cheapest car insurance rates in Orlando? Jerry conducted the largest insurance shopping survey in the nation to help figure it out.
State Farm is often cited as the cheapest car insurance company in Florida, but some survey respondents reported that they were overcharged and their rates increased frequently. If you’re wondering who to trust among the big five in Orlando—GEICO, Progressive, Allstate, USAA, and Liberty Mutual—here’s the truth: the most affordable insurance company is different for everyone.
You’ll need to compare rates from all of them, as well as providers like Assurance America and Safeco, before you can confidently name the best auto insurance provider for you. To get you started, here’s how survey respondents in Orlando rated the biggest companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Liberty Mutual | 4.6 | 4.2 | 4.7 | 4.5 |
| Progressive | 4.2 | 3.7 | 3.6 | 4.4 |
| State Farm | 4 | 3.3 | 3.7 | 4 |
| Geico | 3.9 | 3.1 | 3.4 | 4 |
| USAA | 3.9 | 2 | N/A | 4 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Orlando
Florida’s car insurance laws oblige drivers to carry a minimum amount of personal injury protection (PIP) and property damage liability (PDL) to legally drive.
PIP covers you and your passengers’ medical expenses (even if you were at fault), while PDL covers the cost of repairing or replacing any property you destroyed.
When it comes to car accidents, however, the minimum coverage is rarely enough to prevent at-fault drivers from huge out-of-pocket expense.
Cheap minimum liability insurance quotes in Orlando
Drivers in Orlando, Florida pay an average of $171/month for state minimum coverage.
Since Florida is a no-fault state, all motorists in Orlando are required to carry both PIP and PDL on top of their liability insurance. Your car insurance policy must include at least $10,000 of PIP coverage and $10,000 of PDL coverage.
Although sticking with the minimum coverage isn’t advised, Jerry has helped many drivers find cheap, robust coverage in Orlando.
Do you need more than minimum coverage in Orlando?
The state’s minimum liability coverage is insufficient for most Orlando drivers.
If you cause a serious injury to somebody else in Orlando, their medical bills are likely to climb far past $10,000—and because Florida doesn’t require bodily injury liability car insurance, you could be at serious risk of a lawsuit if the other driver’s PIP runs out.
Florida’s car accident laws allow drivers to file personal injury lawsuits up to four years after a crash, so having the right liability insurance is key.
The bottom line: It’s a good idea to consider liability coverage with higher limits for greater financial protection in case of an at-fault accident.
Cheap full coverage car insurance quotes in Orlando
On average, drivers in Orlando pay approximately $352/month for a full coverage car insurance policy.
Full coverage car insurance is essential for protecting yourself from the costs associated with repairing or replacing your car. It typically includes both collision and comprehensive coverage.
Collision insurance pays for damages after an accident, while comprehensive insurance pays for damages after a vandalism, theft, or natural disaster.
Your lender will usually require collision and comprehensive coverage if you finance or lease your car. And even if your vehicle is paid off, you should carry full coverage if its value exceeds $3,000.
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Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| State Minimum | Yes | Mendota | $267 | 58 | 32833 | Ford F-150 |
| State Minimum | No | Bristol West | $260 | 19 | 32835 | Mazda Cx-7 |
| No Coverage | Yes | National General | $238 | 29 | 32821 | Nissan Rogue S |
| No Coverage | No | Assurance America | $286 | 38 | 32818 | Toyota Camry L |
| No Coverage | No | Gainsco | $128 | 50 | 32806 | Ford F-150 |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Orlando
Based on our experience working with thousands of Orlando insurance policyholders, minimum liability coverage costs an average of $2,051 annually, or $171 per month. Full coverage insurance, on the other hand, costs an average of $4,221 per year, or $352 per month.
Note that the type of car you drive, your driving record, claim history, and demographics all play a role in how your insurance premiums are calculated. Although the average rates in Orlando can give you an idea of the cost, the full price of your policy could vary by hundreds of dollars.
Average cost of car insurance in Orlando by zip code
Your zip code tells your car insurance provider where to send your bills, but it also hints at how likely you are to make a claim. Depending on your location, you could pay anywhere between $304/month and $151/month for car insurance in Orlando.
How? Some zip codes are “riskier” than others, either because of a high rate of congestion, crime, or car accidents (or all three). The drivers living in these neighborhoods tend to pay more than people in other parts of Orlando.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 32765 | $121 | $201 |
| 32801 | $94 | $181 |
| 32803 | $111 | $161 |
| 32804 | $112 | $173 |
| 32806 | $129 | $215 |
| 32814 | $159 | $236 |
| 32817 | $172 | $283 |
| 32819 | $160 | $206 |
| 32820 | $148 | $148 |
| 32822 | $160 | $246 |
| 32824 | $135 | $239 |
| 32826 | $112 | $242 |
| 32827 | $111 | $212 |
| 32829 | $155 | $157 |
| 32832 | $124 | $211 |
| 32833 | $120 | $247 |
| 32835 | $129 | $261 |
| 32836 | $118 | $179 |
| 32837 | $154 | $212 |
Car insurance quotes in Orlando by rating factors
Is car insurance calculated at random? No, even if it seems like it. Here are the five factors that determine the rates you pay for Orlando car insurance:
- Driving record and claims history: A history of car accidents and traffic tickets may increase your insurance premiums.
- Vehicle location: Some ZIP codes come with higher rates.
- Vehicle type: Sports cars, luxury cars, and high-performance cars tend to have higher collision and comprehensive coverage rates.
- Usage: If you use your car regularly for work, your annual premium may be higher than if you use it only occasionally for pleasure.
- Credit score: Drivers with good credit typically pay lower insurance premiums than those with bad credit for the same coverage.
Cheap car insurance quotes in Orlando after driving violations
Your Florida driving record can significantly affect your car insurance rates. High-risk drivers receive proportionally higher insurance premiums. While a conviction for running a red light, committing a DUI, or reckless driving in Florida makes it harder to find an affordable rate in Orlando, it’s not impossible.
Cheapest car insurance in Orlando after speeding ticket
Florida speeding tickets come in several different flavors, each with a different amount of driver violation points:
- 1-5 MPH over limit: No points
- 6-9 MPH over limit: 3 points
- 10-14 MPH over limit: 3 points
- 15-19 MPH over limit: 4 points
- 20-29 MPH over limit: 4 points
- 30 MPH or more over limit: 4 points and mandatory court appearance
Florida drivers can experience a 27.8% increase in their car insurance rates after a speeding ticket. However, the more severe the offense, the more you’ll pay for car insurance.
In spite of this, Jerry has helped a number of drivers save money by finding the lowest rates in Orlando. Here’s how your car insurance rates may change with a speeding ticket in Florida.
| Violation | Average full coverage cost before violation | Average annual rate increase | Average full coverage cost after violation |
|---|---|---|---|
| Speeding ticket | $2,958 | 27.8% | $3,786 |
Cheapest car insurance in Orlando after DUI
Committing a DUI in Florida can have a significant impact on your car insurance rates. Insurance companies often view DUI offenders as high-risk drivers, which can result in higher premiums.
Most motorists in Florida witness their rates rise by 46.6% after a DUI conviction. Take a look at how much a DUI infraction can change your Florida premiums.
| Violation | Average full coverage cost before violation | Average annual rate increase | Average full coverage cost after violation |
|---|---|---|---|
| DUI | $2,958 | 46.6% | $4,348 |
If you have a DUI on your record, it’s important to shop around and compare rates from multiple insurance companies to find the most affordable option. Jerry can help you find the best rates for auto insurance in Orlando even after a DUI conviction.
Cheapest car insurance in Orlando after an at-fault accident
Your driving record in Florida is one of the crucial factors that affect your car insurance rates. Insurance companies look at any past accidents where you were at fault to determine the level of risk you pose to your insurer.
After an at-fault accident, Florida drivers can generally see a 17.68% increase in their premiums, raising their rates from $2,958 to approximately $3,481 per year.
If you have been involved in an at-fault accident in the recent past, your car insurance rates in Orlando could significantly increase when your policy is up for renewal. It is essential to shop around and compare rates from different insurers to find the cheapest auto insurance after an at-fault accident.
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Accident type
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Insurance Company
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Premium (monthly)
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Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With No Injury | Mendota | $267 | 58 | 32833 | Ford F-150 | State Minimum | Yes |
| At Fault With No Injury | National General | $238 | 29 | 32821 | Nissan Rogue S | No Coverage | Yes |
| Not At Fault | Assurance America | $286 | 38 | 32818 | Toyota Camry L | No Coverage | No |
| At Fault With No Injury | Gainsco | $128 | 50 | 32806 | Ford F-150 | No Coverage | No |
| At Fault With No Injury | Assurance America | $322 | 23 | 32825 | Lexus Is 250 | No Coverage | Yes |
Cheapest car insurance in Orlando after other driving violations
Apart from speeding tickets and DUIs, there are several other violations that can lead to an increase in car insurance costs in Orlando, including careless driving, driving without a license, and reckless driving.
On average, most drivers in Florida can expect their premiums to increase by 48% to 163% after a driving violation. We’ve compiled a list of other driving violations to show how Jerry has helped drivers with these violations save on their car insurance.
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Violation
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Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Driving on Sus. License | National General | $238 | 29 | 32821 | Nissan Rogue S | No Coverage | Yes |
| Suspension | Gainsco | $128 | 50 | 32806 | Ford F-150 | No Coverage | No |
| Failure to Obey Signal | Progressive | $163 | 48 | 32805 | Chevrolet Spark 1Lt | State Minimum | Yes |
| Other Major | The General | $99 | 52 | 32819 | Honda Odyssey Ex | No Coverage | No |
| Failure to Stop | Bristol West | $441 | 29 | 32806 | Nissan Rogue S | No Coverage | Yes |
Cheap car insurance quotes in Orlando by age
Young drivers typically have limited driving experience and are therefore considered high-risk by insurance companies, resulting in high insurance rates. However, when drivers reach the age of 25, they may see a drop in their rates.
On the other hand, drivers over the age of 75 may see an increase in their rates due to potential health issues and slower reflexes.
Cheapest car insurance in Orlando for young drivers
In Orlando, young drivers between the ages of 16 and 21 pay the highest insurance premiums of any age group. Typically, Orlando drivers 21 and under with their own car insurance policy pay an average of $509/month for full coverage car insurance and $325/month for the state minimum.
The best financial protection for young drivers is full-coverage car insurance, which provides coverage for all their mistakes while they learn the rules of the road. The cheapest car insurance for young drivers comes with a provider that offers good student or new driver discounts.
Cheap car insurance quotes in Orlando based on insurance history
If you’ve had a car insurance lapse or you’re currently uninsured, it can lead to higher car insurance rates. Drivers with lapses in Florida may see their rates rise to an average of $358/month, or $4,296 per year.
To help our customers avoid a lapse in coverage and make payments on time, Jerry sends payment reminders to eligible customers when a payment is due or if they’re late on their payments.
We’ve helped many customers in Orlando who are currently uninsured or have had a lapse in coverage find affordable insurance options.
Cheap car insurance quotes in Orlando for drivers with poor credit
While your credit rating doesn’t necessarily reflect your driving ability, insurance companies have found a correlation between lower credit scores and higher claim filings. Orlando drivers with poor credit scores tend to face higher car insurance costs than those with good credit scores generally pay an average of $381/month for full coverage car insurance.
If you have a credit score of 550 or less, Jerry partners with companies that provide insurance to Orlando drivers with poor credit, taking the stress out of comparison shopping.
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Credit Range
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Insurance Company
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Premium (monthly)
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Age
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Zip Code
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Car
|
Liability Limits
|
Has Full Coverage
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|---|---|---|---|---|---|---|---|
| 660-750 | Mendota | $267 | 58 | 32833 | Ford F-150 | State Minimum | Yes |
| 550-659 | National General | $238 | 29 | 32821 | Nissan Rogue S | No Coverage | Yes |
| 550-659 | Assurance America | $286 | 38 | 32818 | Toyota Camry L | No Coverage | No |
| 550-659 | Assurance America | $137 | 28 | 32839 | Toyota Corolla Le | No Coverage | No |
| 550-659 | Bristol West | $751 | 30 | 32805 | Volkswagen Tiguan Se | 50/100 | Yes |
Cheap car insurance quotes in Orlando for popular cars
If you want to save on car insurance, avoid sports cars, luxury SUVs, and high-performance models. These vehicles might be beautifully-made, but they cost a ton to repair, and thus insure. Depending on which type of vehicle you own, your rates could range from $487/month for a brand-new Ford Maverick pickup to as little as $109/month for a Honda Accord.
Insurance companies look at a vehicle’s cost of repairs and replacements, likelihood of theft, and safety ratings when determining its insurance premiums. Here are the top five picks of Orlando drivers that perform well in all three categories:
- Toyota Camry
- Honda Accord
- Ford F-Series
- Chevrolet Silverado
- Nissan Altima
Take a look at the table below to see some of the average costs of other popular vehicles in Orlando, Florida.
| Vehicle type | Average full coverage cost |
|---|---|
| Chevrolet C-Series | $1,009 |
| Mini Cooper Clubman | $1,946 |
| Chevrolet Suburban C1500 | $2,525 |
| Honda Civic EXL | $2,579 |
| Mercedes Benz GL 450 4MATIC | $3,069 |
| BMW X1 SDRIVE 28I | $3,540 |
| Ford Explorer | $5,012 |
How to lower car insurance costs in Orlando
1. Shop around and compare quotes
You can’t be 100% certain that you’ve found the best deal on auto insurance until you’ve compared it to the other products on the market. Experts recommend shopping for car insurance quotes from at least three different companies every six months.
Sounds like a huge chore—until you remember that Jerry makes the process lighting-fast! Get signed up in 45 seconds and compare five to seven quotes in less than a minute. It’s all the benefits of comparison shopping with none of the time commitment… and did we mention it’s free?
2. Hunt for car insurance discounts
You can make an okay rate into a great one with the right car insurance discount. See if your provider offers a program for:
- Good drivers. If you’ve held a clean driving record for at least three years, you’re due for some sweet discounts.
- Installing a telematics device. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
- Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
Learn more: How to choose a car insurance deductible
FAQ
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Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
