Florida has one of the highest average car insurance rates in the country, with Orlando paying a little more than the statewide average. That's why it's essential to get quotes from more than one insurance company.
Whether you live in the city or on the outskirts, Way.com can help you get car insurance without having to give up anything. Get a free quote for car insurance in Florida right now.
Florida car insurance for full coverage costs $2,388 per year. Drivers in Orlando pay a little bit more for car insurance. On average, full coverage costs $2,426 per year, and minimum coverage costs $1,224 per year. Our car insurance guide in Florida includes average rates based on age, credit score, driving history, and marital status.
| Orlando (annual average) | Florida (annual average) | United States |
|---|---|---|
| $2,426 | $2,388 | $1,557 |
Orlando auto insurance premiums by:
Car insurance rates in Orlando vary a lot. At $866 and $1,456 per year State Farm has the lowest price for minimum liability and full coverage respectively.
| Insurance Company | Annual Rate |
|---|---|
| State Farm | $1,988 |
| Progressive | $4,249 |
| Allstate | $5,506 |
Drivers in Orlando who are in their 50s pay an average of $2,132 each year for car insurance. Those in their 60s pay $2,176, which is more than those in their 50s.
Teenagers pay the most for insurance when they drive in Orlando. When drivers in Orlando reach their 20s, their insurance rates go down a lot.
| Age | Average Annual Rate |
|---|---|
| Teenagers | $6,668 |
| 20s | $2,984 |
| 30s | $2,268 |
| 40s | $2,246 |
| 50s | $2,132 |
| 60s | $2,176 |
| 70s | $2,656 |
In Orlando, car insurance for married people is the same as that for single people. Most places have rates that are lower for married drivers than for single drivers because married people make fewer insurance claims.
| Gender/Marital Status | Average Annual Rate |
|---|---|
| Single | $2,223 |
| Married | $2,223 |
| Divorced | $2,306 |
| Widowed | $2,280 |
Gender is another thing that can affect how much you pay for car insurance. In Orlando, female drivers pay more per year than male drivers for car insurance.
| Gender/Marital Status | Average Annual Rate |
|---|---|
| Female | $2,398 |
| Male | $2,332 |
Drivers in Orlando who are convicted of reckless driving face an annual premium increase of almost $800 compared to the city average. Speeding tickets raise insurance rates by around $398, while DWI/DUI violations cost an additional around $700 per year in insurance premiums.
| Incident | Average Annual Rate |
|---|---|
| DWI/DUI | $2,666 |
| Reckless Driving | $2,686 |
| At-fault Accident (damages less than $1,000) | $2,466 |
| At-fault Accident (damages greater than $2,000) | $2,784 |
| Speeding Ticket (16-20 mph over speed limit) | $2,323 |
In Orlando, drivers whose credit score goes from "Very Poor" (300-579) to "Exceptional" (800-850) see their car insurance rates drop by 60%. Getting your credit score from "Very Poor" to "Fair" is a big step toward saving money on auto insurance. Getting your credit score to "Fair" in Orlando could save you around $1,763 a year on your insurance premiums.
| Credit Tier | Average Annual Rate |
|---|---|
| Very Poor | $4,598 |
| Fair | $2,848 |
| Good | $2,333 |
| Very Good | $2,105 |
| Exceptional | $1,866 |
Even though the cost of auto insurance in a city tends to be about the same, rates can be higher or lower depending on things like the number of people living there, the amount of traffic, and the crime rate. Different ZIP codes in Orlando have rates that vary by $646 per year for a full-coverage policy.
| ZIP code | Average Annual Rate |
|---|---|
| 32789 | $3,136 |
| 32801 | $3,143 |
| 32803 | $3,102 |
| 32804 | $3,278 |
| 32805 | $3,613 |
| 32806 | $3,165 |
| 32807 | $3,232 |
| 32808 | $3,684 |
| 32809 | $3,645 |
| 32810 | $3,536 |
| 32811 | $3,602 |
| 32812 | $3,226 |
| 32814 | $3,123 |
| 32816 | $3,156 |
| 32817 | $3,186 |
| 32818 | $3,666 |
| 32819 | $3,100 |
| 32821 | $3,198 |
| 32822 | $3,376 |
| 32824 | $3,563 |
| 32825 | $3,256 |
| 32826 | $3,163 |
| 32827 | $3,268 |
| 32829 | $3,168 |
| 32831 | $3,144 |
| 32832 | $3,166 |
| 32834 | $3,188 |
| 32835 | $3,276 |
| 32836 | $3,046 |
| 32837 | $3,265 |
| 32839 | $3,612 |
Florida's auto insurance rates are high for a number of reasons, such as the state's no-fault auto insurance laws, the fact that the state has extreme weather, the average driver's profile, and the number of drivers who don't have insurance. Orlando being a part of Florida certainly has its influences.
Statewide, almost 1,000 more cars were stolen in the first half of 2020 than in the same time last year. The Florida Department of Law Enforcement says that nearly 39,000 cars and trucks were stolen in Florida in 2019. New numbers show that there were a lot more thefts in 2020.
| Year | Auto Theft Rate |
|---|---|
| 2019 | 436.1 |
| 2018 | 425.2 |
| 2017 | 488.4 |
| 2016 | 446.5 |
| 2015 | 439.6 |
If you want to keep track, that's 84 accidents every day in the whole county. Taking into account the number of parking lots in the county, these numbers are probably a lot higher if you think about how people bump into each other when they're looking for a parking spot in malls or amusement parks.
Car accidents are more likely to happen in Orlando. Every time you drive somewhere, you run the risk of getting into a car accident in Orlando. No matter how careful you are when you drive, car accidents happen every day.
Even though Orlando is known as one of the best places to go on vacation in the U.S., it is not the best place to drive in the country. Here's what you need to know if you plan to drive through Orlando.
Roads
Orlando's highway system is pretty good. The I-4 goes straight through downtown, and there are a lot of good options for getting anywhere in the city. If you really want to avoid traffic and it works with your route, you could take the East-West Expressway, the Greenway, or the Beachline. These are all popular toll roads that let you zip through the area quickly.
Local driving laws
Before you drive in Orlando, it's a good idea to learn about the rules of the road there. Here are some examples of what you should do when you drive in Orlando:
Traffic
If you want to go to the parks in Orlando, it’s better for you to avoid these times:
If you want to drive in Orlando, the best times are before or after rush hour. Make sure you know about any big events that might cause traffic jams or road closures.
If you drive and own a car, you need auto insurance not only for your protection but also because Florida state law requires it. These are the top car insurance companies in Orlando:
| Car Insurance Companies in Orlando | |
|---|---|
| Acceptance Insurance | Kemper Auto |
| AFI | Liberty Mutual |
| Allied | Mendota |
| Allstate | MetLife |
| American Family | National General |
| Amica Mutual Insurance | Nationwide |
| Auto-Owners | Progressive |
| Branch | Safe Auto |
| Florida Farm Bureau | Safeco |
| Dairyland | State Auto |
| Encompass | State Farm |
| Farmers | Titan |
| FIMC | Travelers |
| Foremost | Unitrin |
| USAA | |
| Grange Insurance | |
| Hippo | |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
On average, full coverage costs $2,426 per year, and minimum coverage costs $1,224 per year.
The least expensive company may be different for each customer. Some insurance companies may look at your driving record when figuring out your premium, while others may be more interested in how often you've filed claims. You might get better deals from one company than from another.
Because of these things, you might want to get car insurance quotes from more than one company to find the best deal for you. Way.com can help you get auto insurance without sacrificing anything, regardless of where you live: in the city or out in the country. Take advantage of this opportunity to get a free Florida car insurance quote.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
For the best user experience, please download our Way app.
or
Free quotes from 200+ carriers in seconds