Cheapest Car Insurance Quotes in Orlando

Finding the cheapest car insurance quotes in Orlando shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Orlando Car Insurance

^$ 23

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. 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.

Table of Contents

How Much Is Car Insurance in Orlando

The car insurance rate in Orlando is $1798 for a six-month policy, which is $133 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1104, making it a popular choice for budget-conscious drivers. Rates in Orlando can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Orlando

$1798

Avg. Car Insurance in Florida

$1665

National Average

$1140

Cheapest Car Insurance Companies in Orlando

1st place: Travelers

At $1104 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1174 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1366 for six months, making it the third cheapest auto insurance company in Orlando.

Orlando Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Orlando, FL is Travelers, offering policies at just $1104 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1174.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2804 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Orlando drivers find the best deals.

Cheap Car Insurance Companies in Orlando, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1104	$186
State Farm	$1174	$198
Nationwide	$1366	$230
United Automobile Ins Group	$1475	$246
Progressive	$1540	$259
UAIC	$1540	$257
MetLife	$1623	$276
Farmers	$2579	$430
Mercury	$2784	$473
Allstate	$2804	$472

Key Takeaways

Way's key takeaways about car insurance in Orlando

The auto insurance costs in Orlando fall around $1104 for six months.
The cheapest auto insurance company in Orlando is Patrons Insurance.
Teen drivers pay the highest rate in Orlando at $1491 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Orlando

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Orlando are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Orlando. Their Average 6 Month Premium is $135. Allstate is the most expensive at $969 for the same period.

Cheapest Liability Coverage in Orlando, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$135	$23
Travelers	$410	$69
State Farm	$436	$73
Mercury	$462	$78
Nationwide	$513	$87
Farmers	$712	$119
AIG	$725	$123
Progressive	$757	$127
United Automobile Ins Group	$777	$132
UAIC	$840	$140
Allstate	$969	$163

Cheapest Full Coverage Car Insurance in Orlando

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Orlando is Travelers at $186 per month and $1104 for six months.

Cheapest Full Coverage Car Insurance Quotes in Orlando, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1104	$186
State Farm	$1174	$198
Nationwide	$1366	$230
United Automobile Ins Group	$1475	$246
Progressive	$1540	$259
UAIC	$1540	$257
MetLife	$1623	$276
Farmers	$2579	$430
Mercury	$2784	$473
Allstate	$2804	$472

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Average Car Insurance in Orlando by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Orlando, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Orlando, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Orlando's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Orlando

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1401
40s	Travelers	$1057
50s	Travelers	$986
60s	Travelers	$972

Cheapest Car Insurance Rates for Teen Drivers in Orlando,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Orlando at $97 per month. At $8770 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$584	$97
AIG	$789	$134
Travelers	$1790	$301
State Farm	$2354	$396
UAIC	$3502	$584
United Automobile Ins Group	$3637	$619
Allstate	$5517	$929
Mercury	$6839	$1151
Progressive	$7307	$1230
Farmers	$8770	$1491

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Orlando.

As young drivers face the highest rates in Orlando, Travelers offers the cheapest auto insurance rates at $1401 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Orlando, Nationwide is the cheapest car insurance provider. At $699 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Orlando is Allstate, offering rates of around $5607 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$699	$119
Mercury	$764	$127
Direct General Insurance	$796	$135
Travelers	$1514	$255
UAIC	$1540	$261
Progressive	$2976	$496
Farmers	$3567	$607
State Farm	$5344	$891
Allstate	$5607	$954

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Car Insurance Rates with An Accident in Orlando

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Orlando, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Orlando

The cheapest car insurance companies after an at-fault accident in Orlando include Nationwide and AIG, offering $738 and $943, respectively. National General is an expensive provider with an average six-month premium of $1142.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$738	$123
AIG	$943	$160
Travelers	$1065	$179
State Farm	$1097	$185
United Automobile Ins Group	$1918	$320
Mercury	$1982	$334
UAIC	$2008	$335
Progressive	$2630	$443
Farmers	$3599	$599
Allstate	$4869	$820
National General	$1142	$194

Orlando Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Orlando FL. For example, the car insurance in Orlando after a DUI increases to $1013 for a six month policy. While the rate increases by $308 for a six-month policy in the case of a speeding ticket.

Orlando auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1970	$328
One Med/PIP claim	$1970	$335
Not-at-fault accident	$2130	$355
Two Med/PIP claims	$2188	$372
One comp claim	$2219	$370
Child safety restraint	$2226	$378
Failure to wear a seat belt	$2226	$372
Driving without lights	$2232	$379
Failure to show documents	$2232	$373
Speeding 6 - 10 MPH over limit	$2278	$388
Improper passing	$2284	$380
Passing school bus	$2284	$389
Wrong way/wrong lane	$2284	$380
Failure to stop at a red light	$2291	$390
Failure to yield	$2291	$381
Illegal turn	$2291	$390
Cell phone violation	$2297	$382
Driving with expired registration	$2297	$391
Following too closely	$2297	$382
Texting while driving	$2303	$392
Two comp claims	$2354	$392
Driving too slowly	$2367	$403
Speeding in school zone	$2367	$394
Speeding 11 - 15 MPH over limit	$2374	$404
In 65 MPH zone	$2457	$409
Speeding 16 - 20 MPH over limit	$2457	$418
Speeding 21 - 25 MPH over limit	$2470	$411
Open container	$2496	$424
Operating a vehicle without permission	$2496	$416
At-fault accident - less than $1000	$2708	$460
At-fault accident - $1000-$2000	$2752	$459
At-fault accident - greater than $2000	$2752	$468
Racing	$2976	$496
DUI	$2983	$508
Refusal to submit to a chemical test	$2983	$497
Driving with a suspended license	$3035	$516
Reckless driving	$3099	$516
Leaving scene of an accident/hit and run	$3131	$532

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Orlando after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Orlando.

The cheapest car insurance premiums in Orlando are offered by AIG at $693 for a six-month policy. However, it can be as expensive as $860 with companies like National General.

Orlando car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$693	$116
Travelers	$1104	$186
State Farm	$1340	$226
Progressive	$1353	$228
Allstate	$2463	$415
UAIC	$2714	$461
Farmers	$2932	$488
National General	$860	$144

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Orlando are offered by Nationwide at $603. However, it can be as expensive as $3131 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Orlando after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$603	$103
State Farm	$777	$131
Travelers	$930	$157
UAIC	$1540	$257
Allstate	$1765	$297
Progressive	$2547	$424
Farmers	$3131	$532

Car Insurance Price Trends in Orlando, Florida

Car insurance rates in Orlando have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Orlando remained steady at $298 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Orlando remained steady at $91 in both January and December, indicating no change over the two month period.

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Average Car Insurance Cost in Orlando by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Orlando. At $1888 for a six-month policy, insuring your car at 32818 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
32818	$1888	$317
32819	$1834	$308
32820	$1816	$305
32827	$1798	$302
32805	$1816	$305
32828	$1906	$320
32806	$1834	$308
32825	$1906	$320
32803	$1816	$305
32804	$1816	$305
32826	$1852	$311
32801	$1816	$305
32824	$1870	$314
32821	$1816	$305
32822	$1906	$320
32809	$1834	$308
32829	$1834	$308
32807	$1852	$311
32808	$1888	$317
32830	$1798	$302
32831	$1798	$302
32839	$1888	$317
32817	$1852	$311
32814	$1798	$302
32836	$1816	$305
32837	$1888	$317
32812	$1852	$311
32835	$1870	$314
32832	$1834	$308
32810	$1852	$311
32811	$1870	$314
32833	$1798	$302

Frequently Asked Questions

How much is car insurance in Orlando?

The car insurance in Orlando is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Orlando?

The cheapest car insurance in Orlando is $186 per month for full coverage.

How much is car insurance in Orlando for teenagers?

Car insurance for teenagers costs $584 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Orlando?

The average cost of car insurance is $1665 for a six-month policy. It will cost around $302 per month to insure your car in Orlando.

Is car insurance expensive in Orlando?

Car insurance can be expensive in Orlando if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Orlando can be affordable.

Cheapest Car Insurance Quotes in Orlando

Why you can trust Way?

How Much Is Car Insurance in Orlando

Avg. Car Insurance in Orlando

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Orlando

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Orlando Car Insurance Rates by Company

Cheap Car Insurance Companies in Orlando, FL

Way's key takeaways about car insurance in Orlando

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Orlando

Cheapest Liability Coverage in Orlando, FL

Cheapest Full Coverage Car Insurance in Orlando

Cheapest Full Coverage Car Insurance Quotes in Orlando, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Orlando by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Orlando, FL increasing?

Car Insurance Premiums by Age in Orlando

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Orlando,FL

If you are in your twenties Travelers is the best choice for car insurance in Orlando.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Orlando

Cheapest Car Insurance Companies after an At-Fault Accident in Orlando

Orlando Car Insurance Rates by Violation

Orlando auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Orlando after a DUI

Orlando car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Orlando after Speeding ticket

Car Insurance Price Trends in Orlando, Florida

Average Car Insurance Cost in Orlando by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Orlando, FL

Car Insurance Rates by State in the USA (2025 Update)

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