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Cheapest car insurance in the Orlando, Florida (Nov 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Orlando, Florida.
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Kianna Walpole
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by R.E. Fulton, Licensed Insurance Agent —Senior Content Writer

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 20pxyou compare quotes and makes finding
cheap car insurance in Florida
and Orlando quick and hassle-free!
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$109
Melvin, 27
Zip: 32837
Honda Accord Sport
• State Minimum Liability
Safeco
$92
Sue, 37
Zip: 32818
Mercury Grand Marquis GS
• 50,000/100,000 Liability
Allstate
$84
Ann, 30
Zip: 32835
Chevrolet Cruze LS
• 50,000/100,000 Liability
Nationwide
$127
Vincent, 35
Zip: 32812
Honda Accord EXL
• 100,000/300,000 Liability
• Comp / Collision
National General
$134
Duane, 39
Zip: 32801
Saturn SL1
• No Coverage Liability
coverageLast Updated Nov 12, 2024

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 companyOverall ratingPriceClaims experienceCustomer 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
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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.
Lower my car insurance too!

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.
card cover
Melvin (27 years old)
coverageCoverage
State Minimum
locationOrlando, FL
(Zip Code: 32837)
carHonda Accord Sport
$109
per month
card cover
Harriett (30 years old)
coverageCoverage
State Minimum
locationOrlando, FL
(Zip Code: 32827)
carKIA Forte FE
$112
per month
card cover
Mark (43 years old)
coverageCoverage
State Minimum
locationOrlando, FL
(Zip Code: 32808)
carDodge Journey SE
$198
per month
card cover
Gainsco
Glen (56 years old)
coverageCoverage
State Minimum
locationOrlando, FL
(Zip Code: 32807)
carNissan Sentra 2.0
$124
per month
card cover
Ina (30 years old)
coverageCoverage
State Minimum
locationOrlando, FL
(Zip Code: 32821)
carSubaru Crosstrek Limited
$163
per month

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.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• No Coverage Liability
• Comp / Collision
Progressive
$281
Danny, 35
Zip: 32812
Volkswagen Jetta
• State Minimum Liability
• Comp / Collision
Allstate
$112
Harriett, 30
Zip: 32827
KIA Forte FE
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$126
Esther, 40
Zip: 32825
Ford F150 Supercrew
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$76
Jeremiah, 57
Zip: 32822
Ford Expedition XLT
• State Minimum Liability
• Comp / Collision
Infinity
$519
Edward, 39
Zip: 32807
Nissan Sentra S
coverageLast Updated Nov 11, 2024
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 CodeAverage State Minimum Coverage RateAverage 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
$280
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.

How do different factors impact your car insurance costs in Orlando?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Florida currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Orlando:

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.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Safeco
$179
Leo, 34
Zip: 32828
Honda Accord Sport
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Progressive
$96
Iva, 46
Zip: 32822
Dodge Journey SE
• No Coverage Liability
Not At Fault
Nationwide
$76
Seth, 56
Zip: 32822
Ford Expedition XLT
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Allstate
$200
Dorothy, 27
Zip: 32808
Ford Fusion SE
• State Minimum Liability
coverageLast Updated Nov 7, 2024

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.
Violation
Average full coverage cost before Jerry
Average full coverage cost after Jerry
Average annual savings with Jerry
Open container
$7,800
$5,200
$2,600
Defective equipment
$4,384
$3,043
$1,341
License suspension
$4,378
$2,948
$1,430
Illegal turn
$4,124
$3,1887
$938
Improper passing
$4,026
$3,036
$990

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.
card cover
Joshua (22 years old)
coverageCoverage
State Minimum
locationOrlando, FL
(Zip Code: 32818)
carChrysler 300 S
$243
per month
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Micheal (23 years old)
coverageCoverage
State Minimum
locationOrlando, FL
(Zip Code: 32839)
carAcura 3.2TL
$180
per month
card cover
Verna (23 years old)
coverageCoverage
State Minimum
locationOrlando, FL
(Zip Code: 32811)
carHonda Accord LX-S
$341
per month
card cover
Leah (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationOrlando, FL
(Zip Code: 32832)
$369
per month
card cover
Gainsco
Eleanor (22 years old)
coverageCoverage
No Coverage
locationOrlando, FL
(Zip Code: 32810)
carFord Focus SE
$190
per month

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.
card cover
Micheal (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carToyota Corolla LE
$469
per month
card cover
Daisy (24 years old)
coverageCoverage
State Minimum
carToyota Corolla LE
$251
per month
card cover
Linnie (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carToyota Scion FR-S
$372
per month
card cover
Troy (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$369
per month
card cover
Bernice (23 years old)
coverageCoverage
State Minimum
carHonda Accord LX-S
$341
per month
card cover
Gainsco
Fannie (22 years old)
coverageCoverage
No Coverage
carFord Focus SE
$190
per month

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.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$110
Anne, 31
Zip: 32811
Toyota Corolla L
• No Coverage Liability
• Comp / Collision
660 - 750
Travelers
$168
Carl, 27
Zip: 32836
Ford Ecosport SE
• 250,000/500,000 Liability
• Comp / Collision
660 - 750
Safeco
$103
Theresa, 40
Zip: 32821
Honda Civic LX
• State Minimum Liability
550 - 659
Allstate
$252
Rodney, 44
Zip: 32821
Nissan Sentra S
• 15,000/30,000 Liability
• Comp / Collision
< 550
Infinity
$203
Chase, 35
Zip: 32822
Jeep Patriot Sport
• State Minimum Liability
coverageLast Updated Nov 12, 2024

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.

FAQ

How much is car insurance in Orlando?

People living in Orlando pay on average $171 per month – or $2,051 per year – on state-minimum liability coverage. Full coverage in Orlando costs on average $352 per month or $4,221 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Orlando?

Based on thousands of Orlando drivers Jerry has worked with, car insurance in Orlando costs an average of $171 per month for state-minimum coverage and $352 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Orlando?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Progressive, Arrowhead, and AmWINS receive good ratings from Orlando drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

What is the minimum car insurance in Orlando, Florida?

The state-minimum car insurance in Orlando, Florida is $10,000 of personal injury protection coverage and $10,000 of property damage liability coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Kianna Walpole
badge icon
Expert Insurance Writer & Editor
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.
avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
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.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*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.