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Car Insurance for Orlando, Florida

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.

How Much Does Car Insurance Cost In Orlando?

Orlando Rates Vs Florida Vs United States Averages

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:

  • Company
  • Age group
  • Marital status
  • Gender
  • Driving record
  • Credit rating
  • ZIP Code

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Orlando Auto Insurance Premiums By Company

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

Orlando Auto Insurance Premiums By Age Group

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

Orlando Auto Insurance Premiums By Marital status

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

Orlando Auto Insurance Premiums By Gender

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

Orlando Auto Insurance Premiums By Driving record

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

Orlando Auto Insurance Premiums By Credit Rating

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

Orlando Auto Insurance Premiums by Zip Code

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

What Would Increase Your Car Insurance Rate In Orlando?

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.

Auto Theft Statistics In Orlando

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

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Accidents Statistics In Orlando

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.

 

Useful Info For Driving in Orlando

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:

  • In Orlando, it is against the law to use a hand-held phone while driving. It's fine to have features like hands-free and voice-activated.
  • When driving through a construction zone, you must slow down, move over for workers and work vehicles, and, if possible, move to the far lane.
  • If an emergency vehicle is coming up behind you, you must stop or slow down safely to let it pass. You can't use a cell phone or take pictures within 500 feet of where emergency workers are at work.
  • There are red light cameras and devices that catch people speeding.

Traffic

If you want to go to the parks in Orlando, it’s better for you to avoid these times:

  • 7:30 a.m. to 9:00 a.m. - In Orlando, the morning rush is very real, so try to avoid it. Especially the I-4 can get very backed up, and side streets aren't always good.
  • 4:00 p.m. to 6:00 p.m. - Even worse than rush hour in the morning, rush hour in the evening can turn highways into parking lots.

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.

Car Insurance Companies in Orlando

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  

Auto Insurance Data Methodology

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

FAQs

How much is car insurance in Orlando, Florida?

On average, full coverage costs $2,426 per year, and minimum coverage costs $1,224 per year.

How to get cheapest car insurance in Orlando?

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.

 

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