The best car insurance in Orlando, FL

By

Erin Gobler

Erin Gobler

Insurance Expert

Published October 14, 2021

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Florida drivers pay some of the highest car insurance rates in the country, with an average annual premium of $2,914. Some of the reasons behind the state’s notoriously high rates include the high percentage of uninsured drivers and other high-risk factors. Luckily, Orlando drivers have access to insurance rates well below the state average, especially if you have a good driving history.

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Ready to start shopping around for car insurance? Policygenius can help you find the best insurance rates available, and our insurance experts can answer any questions you have about buying car insurance in Orlando.

Key Takeaways

  • GEICO offers the lowest car insurance rates, with an average annual premium of $1,378

  • Mercury Insurance has some of the highest Orlando insurance rates, with an average premium of $3,185 per year

  • Florida requires drivers to carry at least $10,000 of both personal injury protection and property damage liability coverage

Cheapest car insurance companies in Orlando, FL

Car insurance companies rely on a variety of information to set your insurance premium, including the amount of coverage you purchase, your deductible, your location, and more. They also look at personal characteristics like your age, gender, driving history, and credit score. Using this information, insurers determine how high-risk of a driver you are. The more risk they perceive, the higher your insurance rates.

While car insurance companies rely on the same basic information to set premiums, the rate from one company to the next can still vary, as you can see in the table below. As you can see, GEICO currently offers the cheapest insurance rates in Orlando.

Company

Average cost

JD Power Rating

GEICO

$1,378

871

State Farm

$1,647

881

Travelers

$2,346

861

Nationwide

$2,440

876

Mercury Insurance

$3,185

849

Cheapest car insurance rates by ZIP code in Orlando, FL

It’s not just the city you live in that will affect your car insurance premium. Your ZIP code is also an important factor. Certain ZIP codes within the city may have a higher number of accidents, a higher rate of uninsured drivers, more car thefts, and more.

Below are the average car insurance rates by ZIP code in Orlando.

ZIP code

Average cost

32801

$3,290

32803

$3,072

32804

$3,300

32805

$3,478

32806

$3,030

32807

$3,040

32811

$3,460

32812

$3,035

Choosing the right car insurance company in Orlando, FL

With so many insurance companies to choose from, finding the best one can feel overwhelming. When you’re shopping for your next car insurance policy, it’s important to consider factors like the type of coverage available, the cost of coverage, and discounts that can help you save more. The best company is the one that provides the coverage you need at an affordable rate.

When you’re ready to start shopping, you can turn to our insurance experts at Policygenius to help you find the best coverage at the best rate.

Car insurance rates for drivers with driving violations in Orlando, FL

Having driving violations on your record can also affect your insurance rates. When you sign up for car insurance, an insurer will look at your motor vehicle report. And if you have past accidents or moving violations, you’ll likely end up with a higher insurance rate. The more serious the offense, the more it will affect your rate.

Below you’ll find a table with car insurance rates for drivers with violations on their motor vehicle report. As you can see, certain offenses affect your price more than others, and not all insurance companies treat offenses the same when setting insurance rates.

Violation

GEICO

State Farm

Travelers

Nationwide

Mercury Insurance

At-fault Accident

$2,011

$1,941

$3,135

$3,469

$5,115

DUI

$2,603

$1,806

$3,531

$5,270

$4,415

Driving with a suspended license

$1,450

$1,806

$3,531

$5,270

$3,055

Driving with an open container

$1,450

$1,806

$2,972

$5,270

$4,415

Driving with expired registration

$1,450

$1,806

$2,972

$2,858

$4,331

Driving without Lights

$1,450

$1,806

$2,972

$2,443

$4,331

Failure to show documents

$1,450

$1,806

$2,972

$2,858

$4,331

Failure to stop at a red light

$1,450

$1,806

$2,972

$2,858

$4,331

Cheapest car insurance for drivers with bad credit in Orlando, FL

You might be surprised to learn that your credit score can also affect your car insurance rates. Research has shown that your credit score can be an accurate predictor of future insurance claims. And those with bad credit are more likely to get into an accident and file an insurance claim. As a result, those with good credit are rewarded with lower insurance premiums, while those with bad credit can expect to pay more.

Company

Rates for drivers with bad credit

GEICO

$2,725

State Farm

$3,177

AIG

$3,647

Nationwide

$3,748

Direct Auto

$3,982

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Buying car insurance in Orlando, FL

Like nearly every other state, Florida requires drivers to carry a certain amount of car insurance in order to drive. In fact, you can’t even register your vehicle in Florida without proof of insurance. Florida drivers are required to have the following insurance coverages:

  • A minimum of $10,000 of property damage liability insurance, which pays for any damage to someone else’s property when you’re at fault for an accident

  • A minimum of $10,000 personal injury protection, which covers your own medical expenses when you’re in an accident, regardless of who is at fault

In addition to the requirements for individuals, Florida also requires certain insurance coverage for vehicles registered as taxis. These vehicles must have bodily injury liability coverage of $125,000 per person and $250,000 per accident, as well as $50,000 of property damage liability coverage.

If you’re caught driving without the required insurance coverage, your driver’s license and license plate can be suspended for up to three years. To have your license and registration reinstated, you’ll be subject to a $500 reinstatement fee.

It’s also important to note that Florida is a no-fault car insurance state. If you’re in an accident, no matter who caused it, your own personal injury protection should cover your medical bills. As a result, the state doesn’t require that most drivers carry bodily injury liability coverage.

That being said, if someone suffers serious injuries in an accident caused by another driver, they may sue the at-fault driver. For that reason, Orlando drivers may still choose to purchase bodily injury coverage.

How to get cheap car insurance in Orlando, FL

Florida drivers pay some of the highest insurance rates in the country. Luckily, there are steps you can take to find more affordable premiums. Here are a few tips:

  • Shop around: The rate you get from one company to the next can vary quite a bit, so be sure to get quotes from several different insurers before signing up for a policy.

  • Take advantage of discounts: Car insurance companies offer a variety of discounts to help you save on insurance when you bundle your coverages, maintain a safe driving record, and more.

  • Increase your deductible: In general, the higher your deductible, the lower your premium. If you feel confident you won’t need to file a claim and you can afford to pay the higher deductible if you do, consider increasing your deductible.

Frequently asked questions

Which car insurance company is the cheapest in Ocala?

On average, State Farm policies cost the least for Ocalans. GEICO was a pretty close runner-up. Both companies have fairly high JD Power ratings, which indicate solid customer service.

How much car insurance do I need in Florida?

Florida requires drivers to carry at least $10,000 of property damage liability coverage and $10,000 of personal injury protection insurance.

How do Florida car insurance rates compare to other states?

Florida has the highest average car insurance rates in the country, with an average annual premium of $2,914. The national average is just $1,652 per year.

What factors affect my car insurance rate?

Your car insurance premium depends on a variety of factors, including your location, your driving record, your age, your gender, your credit score, and the amount of coverage you buy.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.