Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Oct 8, 2020

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Florida auto insurance has a 10/10 ratio, which means the minimum requirement focuses on Property Damage Liability Coverage (PDL) and Personal Injury Protection (PIP).

Drivers searching for cheap Orlando, FL auto insurance rates can save a lot by shopping around. 21st Century, Allied, Allstate, Amica, and Liberty Mutual rank as some of the best Orlando car insurance companies. Allstate leads the way in offering Orlando, FL car insurance at $68 per month.

Are you looking for cheap auto insurance in Orlando, FL? At AutoInsuranceEZ.com, we are here to help you find affordable Orlando, FL auto insurance. We’ve conducted some in-depth research and gathered the data below.

Ready to buy Orlando, FL auto insurance today? Enter your ZIP code into the quote box above to get cheap car insurance in Orlando, FL.

How Much is Auto Insurance in Orlando, Florida?

Orlando, FL Average Monthly Auto Insurance Rates Legend: Orlando 21st Century Allied Allstate Amica Liberty Mutual 10 20 30 40 50 60 70 80 90 100 $71 $84 $68 $70 $102

Various companies offer competitive rates, such as Direct Auto Insurance Orlando, FL and Fiesta Auto Insurance & Tax Service Orlando, FL, and more. Based on our collected data, Amica and 21st Century are the most affordable auto insurance providers located in the Orlando area.

As a bonus, they are priced below the state average, although Orlando drivers tend to pay more per month than the average Florida motorist.

Orlando auto insurance companies consider various factors when assessing insurance quotes. The top factors include geography, your ZIP code, your marital status, your credit score/rating, driving distance to work, and whether or not you have multiple cars and drivers on the same policy.

Additionally, the cheapest auto insurance in Orlando, FL, differs from provider to provider. To make sure you’re still paying the best rate, compare cheap Orlando, FL auto insurance quotes online.

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Major Factors in Cheap Auto Insurance in Orlando, Florida

Orlando, FL car insurance companies take several factors into account when crafting an insurance policy. Unfortunately, many of these factors are difficult or impossible to change, such as your gender or where you live. Here are some other factors your car insurance company may consider.

Your ZIP Code

Where you park your car each night will have a major impact on your Orlando, FL auto insurance rates. As you can see in the chart below, living in Orlando is significantly cheaper than Miami or Hialeah. The population of Orlando is 255,483. In 2013, the approximate median household income was $41,345.

Florida Average Monthly Auto Insurance Rates by City Legend: Miami Orlando Jacksonville St. Petersburg Tampa 21st Century Allied Allstate Amica Liberty Mutual 15 30 45 60 75 90 105 120 135 150 $112 $62 $67 $81 $80 $120 $70 $61 $89 $103 $125 $122 $104 $145 $148 $161 $68 $68 $90 $102 $138 $71 $75 $77 $78

Automotive Accidents

If you live in an area with a lot of traffic, the odds are that the crash statistics will be higher as well. As you can see from the chart, Orlando has some moderately high crash rates, especially when it comes to persons involved in fatal crashes.

Orlando, FL Fatal Accidents Statistics Legend: Orlando Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 10 20 30 40 50 28 42 8 30 59 11

Auto Thefts in Orlando

Living in a large city (especially one with a high crime rate) will increase your risk of being a victim of auto theft. If your general location has high rates of theft and claims, you can expect to pay more for auto insurance to offset these costs.

The total number of stolen vehicles in Orlando was 1,020 back in 2013. Most drivers don’t know that basic insurance coverage policies don’t have comprehensive coverage, and therefore don’t cover auto theft. But, as you can see from the price differences, there’s a good reason most drivers don’t have this type of coverage.

Orlando, FL Basic vs. Comprehensive Average Monthly Auto Insurance Rates Legend: Basic Coverage Comprehensive Coverage 21st Century Allied Allstate Amica Liberty Mutual 25 50 75 100 125 150 175 200 225 250 $71 $197 $84 $190 $68 $140 $70 $148 $102 $261

Your Credit Score

You may not think about your credit score that often, but your auto insurance company sure does. By examining the chart below, you can see what a significant difference your credit score can make.

For some auto insurance companies in Orlando, Florida, your monthly premium could skyrocket by 75 percent or more if you are currently suffering from a poor credit score.

Orlando, FL Monthly Auto Insurance Rates by Credit Score Legend: Excellent Credit Poor Credit 21st Century Allied Allstate Amica Liberty Mutual 20 40 60 80 100 120 140 160 180 200 220 $116 $160 $113 $190 $64 $151 $86 $107 $123 $228

Your Age

Age, however, is a different story. Insurance companies believe that young drivers are a greater risk on the road – and the difference in monthly premiums reflects this philosophy. For a clearer picture, take a look at the chart below.

Orlando, FL Average Monthly Auto Insurance Rates by Age Legend: 34 Year Old 17 Year Old 21st Century Allied Allstate Amica Liberty Mutual 50 100 150 200 250 300 350 400 450 $71 $253 $84 $348 $68 $408 $70 $342 $102 $456

Your Driving Record

Another major factor that influences low-cost car insurance in Orlando, FL, is your driving record. For minor violations, such as a speeding ticket or a “fender-bender,” your insurance will increase somewhat (anywhere between 18-30 percent, depending on the traffic violations).

However, some companies with an “accident forgiveness” policy may ignore your first accident when it comes to rates. But for more serious violations, such as a DUI, your car insurance rates could double in price virtually overnight. Some major providers might discontinue your coverage entirely for being cited with a DUI or a reckless driving violation.

Orlando, FL Monthly Auto Insurance Rates by Driving Record Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident 21st Century Allied Allstate Amica Liberty Mutual 25 50 75 100 125 150 175 200 $71 $135 $177 $177 $84 $130 $220 $141 $68 $74 $85 $95 $70 $92 $169 $92 $102 $158 Do Not Sell $126

Your Vehicle

Confused about which vehicles are cheaper to insure than others? Well, so are most insurance companies. But one thing they are very clear on, however, is that more expensive vehicles (such as luxury cars) should be charged a higher premium than your typical, compact sedan.

This sentiment is reflected in the chart below, where you can see that carrying auto insurance on a luxury vehicle is significantly more expensive than with your typical sedan.

Orlando, FL Monthly Auto Insurance Rates by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder 21st Century Allied Allstate Amica Liberty Mutual 30 60 90 120 150 180 210 240 270 $71 $201 $84 $151 $68 $136 $70 $165 $102 $285

Minor Factors in Cheap Auto Insurance in Orlando, Florida

There are other factors which can influence your rate, although not as much as the others listed above:

Your Marital Status

Did you know that married couples can save a bundle on their car insurance by bundling their policies together? If you are married and you and your spouse have the same insurance company, go ahead and take advantage of the discounts your provider may offer.

Your Gender

Gender is another attribute which, like marital status, varies from one company to another. Some insurance providers charge their male drivers one to two percent more, while other companies quote similarly higher rates for female motorists. And some companies will charge you the same price whether you are male or female.

Your Driving Distance to Work

In Orlando, you can expect your daily work commute to last about 26 minutes on average. Around 80 percent prefer to drive to work alone, while less than ten percent of motorists can be found carpooling to work.

In some states, you may have heard that the miles you drive yearly or your purpose on the road (whether you’re driving to work, school, or out for fun) can impact your rates. This is true, but in others, not as much.

Vehicles driven for business tend to get a moderately higher rate – somewhere around 11 percent. Other than that, your yearly mileage or personal reasons for driving will unlikely change your premiums much.

Your Coverage and Deductibles

The amount and the types of coverage you purchase for your vehicle will have significant influences on your monthly premium.

For obvious reasons, a bare-bones state minimum coverage policy will be much cheaper than a fully comprehensive, high coverage plan. You can reduce your monthly costs by choosing a higher deductible or eliminating specific coverage options (such as towing or rental car coverage).

Education in Orlando, FL

The greater your education, the cheaper your insurance will be. Many Orlando motorists have a high school diploma or some other equivalent. Additionally, there are more drivers in Orlando with Bachelor’s degrees than there are high school drop-outs.

However, contrary to some popular beliefs, there is no evidence to suggest that your specific profession or your annual income influences your monthly insurance payments.

If you aren’t already one of the Orlando residents with higher education, becoming one can be a very easy process. Rollins College and the University of Central Florida (UCF) are four-year colleges where you can get a degree in just about anything, from engineering to performing arts.

UCF is a public institution, whereas Rollins is a private school. Several two-year colleges offer associates degrees and technical training to more than 75,000 students.

Finding affordable car insurance in Orlando, Florida, can be a hassle. There’s a lot of information you need to consider, and figuring out how insurance companies evaluate your potential risk can be complicated. But don’t let an insurance company talk you into purchasing the wrong policy.

Auto Insurance Coverage Requirements in Orlando

Like other major Florida cities, Orlando drivers must meet the state minimum requirements for car insurance in Florida.

Type of Auto Insurance CoverageFL RequirementsMost Common
Bodily Injury LiabilityNot required100,000/300,000
Property Damage Liability10,00050,000
Uninsured Motorist Bodily InjuryNot required10,000/20,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required250 deductible

It’s also worth mentioning that drivers who are financing their automobile may be required to purchase comprehensive coverage, collision coverage, and the state minimums.

But this requirement will come from your insurance provider, not the state of Florida. You have the option to add Uninsured/Underinsured and/or Bodily Injury Liability coverage to your policy as well.

Watch this video for more information on Florida’s minimum requirements.

The average cost of car insurance in Orlando, FL, comes to about $79 monthly, which is lower than the state average of $153/month. Please keep in mind, however, that these are averages based on aggregated data. Your rate will vary.

Enter your zip code below to view companies that have cheap auto insurance rates.

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How We Conducted Our Car Insurance Analysis

We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Orlando, FL Facts

Orlando may be known worldwide as the home of Disney World, but there is more to this city than meets the eye. Orlando is in the middle of significant economic growth, and not just in the tourism industry.

Everything from agriculture to military operations to film production is flourishing in Orlando. Locals say that the constant sunshine and enjoyable weather is a bonus.

Did you know that Orlando is #3 on the list of “Top 101 cities with the largest percentage of males and females working in industry: Arts, entertainment, and recreation (population 50,000+)”?

Orlando, FL Auto Insurance: The Bottom Line

Cheap insurance in Orlando, FL, maybe a challenge to locate, but it’s possible. Car insurance companies in Orlando, FL, are competitive, so you should find affordable auto insurance in Orlando.

Expect auto insurance rates to fit around your needs. You could cheaper rates or more expensive rates depending on your personal information and the value of your vehicle. Get personal quotes for Orlando, Florida auto insurance by entering your ZIP code in the FREE comparison tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Frequently Asked Questions: Orlando, FL Auto Insurance

Before we end our Orlando, FL auto insurance guide, let’s answer a few frequently asked questions. These questions will give you more insight as to what to expect from auto insurance in Orlando and the state of Florida.

#1 – How much is auto insurance in Orlando, Florida?

The average cost of Orlando, FL auto insurance is $1,786 per year or $149 per month.

#2 – Who has the cheapest auto insurance in Florida?

State Farm, Geico, and Allstate are the cheapest car insurance companies in Florida.

#3 – Is Florida a no-fault state?

According to the Florida Department of Insurance, Florida is a no-fault state. Orlando complies with Florida State Law. Therefore, the no-fault law applies to Orlando.

#4 – Why is Florida auto insurance so expensive?

Florida is home to a lot of popular and densely populated metropolitan areas. According to the Insurance Information Institute, nearly 27 percent of Florida’s drivers are uninsured, which places Florida in the number one spot for uninsured drivers.

#5 – How much is auto insurance per month in Florida?

The Florida car insurance cost is $3,125 per year or $260 per month.