On average, GEICO offers the cheapest car indemnity in Orlando for wax coverage and express minimal policies. While USAA provides the cheapest coverage in the city, only military members and their families qualify for its policies. Based on MoneyGeek ‘s rate organization, Esurance provides the best overall cable car insurance in the state, based on customer military service and affordability. The cheapest insurance provider in the city, on average, for drivers with accelerate tickets, is State Farm .iconribbon best car insurance

orlando 2022

The Cheapest and Best Car Insurance in Orlando

The Cheapest Car Insurance Companies in Orlando

If you plan to purchase a full-coverage policy in Orlando, the cheapest providers, on average, are :

  • GEICO: $1,202 per year
  • State Farm: $1,428 per year

Drivers from military backgrounds and active-duty service members can get the most low-cost coverage in Orlando from USAA, at an modal of $ 825 per class. On average, GEICO ‘s full-coverage policies are the cheapest in the city. Its rates cost about half of what Progressive, the most expensive provider in Orlando, charges its customers for comparable coverage. With a full-coverage progressive policy, drivers pay an average of $ 2,411 per annum. Your specific costs will vary from these average rates depending on assorted factors, including your drive record and profile. Full-coverage car policy includes comprehensive examination and collision policy .

Cheapest Car Insurance in Orlando

Full Coverage 100/300/100

  • company 100/300/100

    per year

  • 1 .USAA


  • 2 .GEICO


  • 3 .State Farm


  • 4 .Travelers


  • 5 .MetLife


  • 6. Allied


  • 7 .Allstate


  • 8 .Mercury


  • 9 .Progressive


MoneyGeek ’ s comparison of car indemnity providers in Orlando applied quotes for a 40-year-old sample distribution driver. We highlight the terms of a full-coverage policy on our methodology page. apart from the state minimum liability-only coverage, a full-coverage policy besides contains the following two policy types :

  • Collision Insurance: This coverage protects against damages from at-fault accidents involving collisions with other vehicles or objects.
  • Comprehensive Insurance: This insurance covers the cost of damage resulting from non-accident-related occurrences, like theft and fires.

As a result, full coverage car policy policies cost more than state minimum coverage. Owners of honest-to-god vehicles may prefer to purchase liability-only coverage — a full-coverage policy ‘s premiums may be higher than the car ’ south value itself. Loading …

Cheapest Car Insurance in Orlando for Minimum Coverage

The cheapest cable car indemnity policies in Orlando meet express minimums for coverage. While this coverage features lower annual premiums, it may not cover all the costs in case of an accident. You will need to buy more coverage to avoid paying out of pocket. Per MoneyGeek ‘s research, the cheapest minimal coverage cable car policy carriers in the city, on modal, are :

  • GEICO: $546 per year
  • State Farm: $768 per year

USAA is the cheapest supplier in the city, on average, but its policies only apply to military members and their families. The average annual monetary value for a USAA liability-only policy is $ 373. progressive offers the costly minimum car policy coverage in the city, at $ 1,417 per year, on modal. That ’ s about $ 871 more than the cheapest insurance company. cable car policy prices change across unlike coverage levels. By using the postpone below, you can compare costs for versatile available limits in Orlando .

Cheapest Minimum Liability Car Insurance in Orlando

state Minimum

  • company State Minimum

    per year

  • 1 .USAA


  • 2 .GEICO


  • 3 .State Farm


  • 4 .Travelers


  • 5. Allied


  • 6 .Allstate


  • 7 .MetLife


  • 8 .Mercury


  • 9 .Progressive


By jurisprudence, Florida drivers must have express minimal car insurance with $ 10,000 in personal injury protection and $ 10,000 in property damage liability coverage. While it ’ s the cheapest car policy option in Orlando, this coverage may leave you on the hook for more out-of-pocket costs after an accident. For exemplify, if you ‘re in an accident and the other driver ’ s full checkup bills reach $ 20,000, the insurance company would cover $ 10,000. You would be creditworthy for paying the $ 10,000 remainder out of pocket .

Florida Minimum Liability Requirements

  • token description
  • property damage $ 10,000 for property damage. A more protective level is 100/300/100 .
  • personal Injury Protection $ 10,000 per person .

Cheapest Car Insurance in Orlando if You Have Driving Violations

Your car indemnity rates vary depending on your tug record. If you have a DUI, speeding ticket or at-fault accident, insurers will consider you bad, charging you higher rates than drivers with clean records. According to MoneyGeek ’ mho findings, the most low-cost indemnity carriers in Orlando for drivers with austere traffic violations are :

  • Cheapest After a Ticket: State Farm, $1,537 per year
  • Cheapest After an At-Fault Accident: State Farm, $1,646 per year
  • Cheapest After a DUI: State Farm, $1,537 per year

Drivers with violations on their records should shop around to compare quotes and find the best rates for their circumstances. You can besides lower your rates over meter by improving your record .

Cheapest Car Insurance in Orlando With a Violation

Speeding ticket

  • company Speeding Ticket

    per year

  • 1 .USAA


  • 2 .State Farm


  • 3 .Allstate


  • 4 .GEICO


  • 5 .MetLife


  • 6 .Travelers


  • 7. Allied


  • 8 .Mercury


  • 9 .Progressive


Average Cost of Car Insurance in Orlando







On average, car insurance in Orlando costs around $ 1,862 per year. Orlando drivers pay 15.7 % less than the average car insurance rate in the submit. however, they pay 30.7 % more than the $ 1,424 average annual agio in the United States.

Personalized Quotes to Get You the Cheapest Car Insurance in Orlando

car indemnity companies in Orlando calculate annual premiums by evaluating person circumstances, such as old age, car make and model, ZIP code, driving history, sex, marital condition and credit score. As your circumstances change, so does the rate of your car policy. You may even be eligible for discounts and rebates. For exemplify, a adolescent driver is more likely to pay higher premiums compared to a middle-aged individual. A 40-year-old male policyholder can get an annual average bounty of $ 1,202 from GEICO. meanwhile, an 18-year-old male will have to pay an average of $ 3,142 for a similar policy. The best direction to get the most accurate rate is to compare individualized car insurance quotes regularly. Loading …

The Best Car Insurance Companies in Orlando

According to MoneyGeek, the top-ranked car indemnity providers overall combining timbre service, low-cost rates and fiscal stability. Our psychoanalysis determined that the best overall car insurance companies in Orlando are :

  • Esurance: MoneyGeek score of 95 out of 100
  • GEICO: MoneyGeek score of 85 out of 100

While USAA received the highest score in the city at 100 out of 100, we did not include the party in our rankings. Its policies only apply to early and current military members together with their families .


score :


5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal constancy 2


score :


5/5 Affordability 4/5 Claims Ratings 5/5

User Satisfaction A+ fiscal constancy 3


grudge :


3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal constancy 4


score :


3/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A++ fiscal constancy 5


grudge :


3/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 6


score :


2/5 Affordability 5/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 7

Liberty Mutual

score :


3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 8

Auto-Owners Insurance Co

score :


3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability 9

State Farm

score :


3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A- fiscal stability 10


score :


3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 11


mark :


2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 12


score :


2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy

Average Cost of Car Insurance by Postal Code

Your seat of residence besides plays a function in determining the price of your car insurance in Orlando. The deviation between the cheapest and most expensive neighborhoods for car coverage in Orlando is around $ 125. Drivers from ZIP code 32838 pay approximately $ 1,792, while drivers from ZIP code 32822 have an median annual premium of $ 1,917 .

  • Zip Code State Minimum

    per year

  • 32828


  • 32825


  • 32822


Factors That Impact Insurance Costs in Orlando

In accession to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists besides contribute to car indemnity rates in Orlando. How Orlando ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs .accident2 icon Most Accidents With Fatalities


/ 300handcuffs2 icon Most car Thefts


/ 300uninsured icon Most uninsured Motorists by State


/ 50insurance2 icon personal Injury Protection Required Yesrain icon Most annual rain


/ 300umbrella icon Most showery Days


/ 300

Methodology and Assumptions

MoneyGeek ’ randomness modal premium rates for Orlando are based on 100/300/100 comprehensive examination collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their criminal record. Additional premiums are added based on coverage type, localization and drive record. Learn more about MoneyGeek ’ sulfur data and methodology hera. About the writer

expert-profileexpert-profile Mark Fitzpatrick is a senior content coach with MoneyGeek specializing in indemnity. Mark has years of know analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .

Leave a Reply

Your email address will not be published. Required fields are marked *