Buy Cheap Orlando, FL Auto Insurance (2021)

Orlando, FL auto insurance rates average $397 a month. Minimum auto insurance requirements in Orlando, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Orlando, FL, compare Orlando auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Orlando after a DUI is Allstate
  • Average auto insurance rates in Orlando, FL after a DUI are $5,723/year
  • Average auto insurance rates in Orlando, FL for teens drivers are $8,611/year

Finding affordable Orlando, Florida auto insurance can be challenging, but everything you need to know to buy cheap Orlando, FL auto insurance with confidence is right here. Auto insurance rates in Orlando are affected by local factors as well as personal ones like your driving record.

See how Orlando, FL car insurance rates compare to Cape Coral auto insurance rates, Tallahassee auto insurance rates, and Fort Lauderdale auto insurance rates before you read more about the cost of auto insurance in Orlando.

Don’t buy Orlando, FL auto insurance until you’ve compared rates. Get free Orlando, Florida auto insurance quotes when you enter your ZIP code above.

Orlando, FL Minimum Auto Insurance Requirements

The required auto insurance in Orlando, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Orlando, Florida is outlined here.

Minimum Required Auto Insurance Coverage in Orlando, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Orlando, FL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Orlando, FL. Take a look at Orlando, Florida auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Orlando, Florida

Insurance Company Poor Fair Good
Allstate $11,064 $6,981 $5,647
GEICO $5,381 $3,240 $2,422
Liberty Mutual $7,298 $5,331 $4,304
Nationwide $5,348 $3,915 $3,536
Progressive $7,366 $5,240 $4,371
State Farm $4,649 $3,025 $2,469
USAA $4,566 $2,228 $1,615

Buy Cheap Orlando, FL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Orlando, Florida auto insurance rates? Find out how car insurance rates in Orlando, FL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Orlando, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,866 $4,636 $4,229 $4,289 $17,026 $18,474 $4,802 $4,856
GEICO $2,905 $2,915 $2,722 $2,722 $5,216 $6,533 $3,199 $3,238
Liberty Mutual $3,881 $3,881 $3,548 $3,548 $8,295 $12,826 $3,881 $5,295
Nationwide $2,985 $2,940 $2,662 $2,752 $7,224 $8,872 $3,286 $3,410
Progressive $3,762 $3,556 $3,230 $3,453 $10,707 $11,664 $4,553 $4,347
State Farm $2,100 $2,100 $1,903 $1,903 $6,238 $7,959 $2,340 $2,506
USAA $1,613 $1,584 $1,508 $1,493 $5,572 $6,465 $2,016 $2,174

Buy Cheap Orlando, FL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Orlando can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Orlando, FL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Orlando, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $17,026 $18,474
GEICO $5,216 $6,533
Liberty Mutual $8,295 $12,826
Nationwide $7,224 $8,872
Progressive $10,707 $11,664
State Farm $6,238 $7,959
USAA $5,572 $6,465

Buy Cheap Orlando, FL Auto Insurance for Seniors

You can save on senior auto insurance rates in Orlando, Florida by comparing Orlando senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Orlando, FL here.

Annual Auto Insurance Rates for Senior Drivers in Orlando, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,229 $4,289
GEICO $2,722 $2,722
Liberty Mutual $3,548 $3,548
Nationwide $2,662 $2,752
Progressive $3,230 $3,453
State Farm $1,903 $1,903
USAA $1,508 $1,493

Find Cheap Auto Insurance Rates in Orlando, FL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Orlando, Florida auto insurance. Compare Orlando, FL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Orlando, Florida

Insurance Company Low Medium High
Allstate $6,037 $8,323 $9,332
GEICO $3,031 $3,808 $4,205
Liberty Mutual $5,178 $5,737 $6,018
Nationwide $3,377 $4,433 $4,989
Progressive $4,766 $5,788 $6,423
State Farm $2,884 $3,467 $3,792
USAA $2,434 $2,899 $3,076

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Find Cheap Orlando, FL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Orlando. Compare auto insurance rates in Orlando, FL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Orlando, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,673 $8,122
GEICO $3,664 $3,699
Liberty Mutual $5,459 $5,830
Nationwide $4,266 $4,266
Progressive $5,659 $5,659
State Farm $3,263 $3,499
USAA $2,771 $2,835

Find Cheap Orlando, FL Auto Insurance Rates by ZIP Code

Auto insurance rates in Orlando, Florida can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Orlando, FL to see how much where you live in Orlando affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Orlando, Florida

ZIP Code Average Annual Rates
32801 $3,615
32803 $3,605
32804 $3,749
32805 $3,921
32806 $3,679
32807 $3,700
32808 $3,981
32809 $3,923
32810 $3,782
32811 $3,921
32812 $3,691
32814 $3,581
32816 $3,616
32817 $3,644
32818 $3,981
32819 $3,589
32821 $3,605
32822 $3,766
32824 $3,850
32825 $3,719
32826 $3,644
32827 $3,638
32829 $3,641
32831 $3,599
32832 $3,571
32834 $3,595
32835 $3,742
32836 $3,562
32837 $3,668
32839 $3,923

Find Cheap Orlando, FL Auto Insurance Rates by Driving Record

Auto insurance rates in Orlando, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Orlando, FL, take a look at the average cost for various violations versus rates for a clean driving record in Orlando.

Annual Orlando, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,791 $8,174 $9,073 $7,552
GEICO $2,551 $3,273 $4,892 $4,009
Liberty Mutual $4,023 $5,272 $7,727 $5,555
Nationwide $3,631 $3,993 $5,401 $4,040
Progressive $4,445 $6,625 $5,563 $6,002
State Farm $3,085 $3,677 $3,381 $3,381
USAA $2,187 $2,709 $4,021 $2,295

Find Cheap Orlando, FL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Orlando, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Orlando for less when you shop around and compare rates from multiple Orlando, FL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Orlando, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $9,073
GEICO $4,892
Liberty Mutual $7,727
Nationwide $5,401
Progressive $5,563
State Farm $3,381
USAA $4,021

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Winners by Category: Where to Buy Cheap Auto Insurance in Orlando, FL

Compare rates from the cheapest auto insurance companies in Orlando, FL for your needs. Take a look at how Orlando, Florida auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Orlando, Florida

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Find Cheap Orlando, Florida Auto Insurance Companies

If you’re looking for the cheapest Orlando, FL auto insurance companies overall, you can compare them here. Find the best price for Orlando, Florida car insurance by company.

Average Annual Auto Insurance Rates by Company in Orlando, Florida

Insurance Company Average Annual Rates
Allstate $7,897
GEICO $3,681
Liberty Mutual $5,644
Nationwide $4,266
Progressive $5,659
State Farm $3,381
USAA $2,803

What affects Orlando, Florida auto insurance rates?

Local factors affect auto insurance rates in Orlando, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Orlando auto insurance rates.

Auto Theft in Orlando

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Orlando, FL auto theft show a total of 1,219 vehicle thefts annually.

Commute Times in Orlando

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Orlando, FL is 26.1 minutes according to City-Data.

Traffic in Orlando

How is traffic in Orlando, Florida? Inrix data shows that Orlando, FL traffic makes it the 429th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Orlando, FL

You can buy cheap Orlando, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Orlando, Florida auto insurance quotes from top companies.

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