Orlando drivers pay an average of $193 per month for full coverage car insurance. Rates can be as low as $189 or as high as $613, depending on the policy, vehicle type, and driver's details. To help drivers better understand potential costs, the table below includes the average car insurance costs in Orlando for various driver profiles.
Orlando, FL, Car Insurance
Updated: April 10, 2025
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Cheapest Car Insurance in Orlando: Key Takeaways
In the city, GEICO and State Farm stand out as the cheapest car insurance options, offering competitive rates for both minimum and full coverage plans.
GEICO offers the most affordable car insurance with a rate of $53 per month for minimum coverage, making it the go-to choice for budget-conscious drivers.
On average, car insurance costs $91 per month for minimum coverage and $193 for full coverage, though rates can vary based on driver profiles.
Car Insurance Quotes in Orlando, FL
| Young Drivers | $104 | $226 |
| Teens | No Data | $613 |
| Seniors | $87 | $179 |
| Drivers With a Speeding Ticket | $110 | $235 |
| Drivers With a DUI | $125 | $268 |
| Drivers With An Accident | $136 | $291 |
| Bad Credit | $142 | $287 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Orlando vs. State Average
Florida
State Average Full Coverage Rate
$2,425
Orlando, FL
City Average Full Coverage Rate
$2,194More:$231 saved
This is 10% less expensive.
What Is the Average Car Insurance Rate in Orlando?
In Orlando, the average cost for full coverage car insurance is $2,194 per year, while the minimum coverage costs $1,078 annually. These estimates are lower than the Florida averages, where full coverage is $2,425 and minimum coverage is $1,168. Orlando residents might find these rates more affordable compared to the state.
| State Average | $1,168 | $2,425 |
| Orlando Average | $1,078 | $2,194 |
Cheapest Car Insurance Companies in Orlando
While premiums may be rising across Florida, you can still find affordable car insurance in Orlando. GEICO offers the cheapest minimum coverage at $53 per month. For full coverage, State Farm provides the best rate at $120 per month.
WHY CAR INSURANCE IN ORLANDO IS CHEAP
Car insurance is cheaper in Orlando than the state average. Insurance may be higher in other areas of the state due to several local factors, including high traffic and accident rates. Across Florida, high numbers of uninsured drivers, frequent personal injury lawsuits and prevalent insurance fraud contribute to steep insurance costs.
Cheap Car Insurance in Orlando
GEICO offers the cheapest minimum coverage, but affordable car insurance varies for each driver. To find the best rates, it's smart to get quotes from several providers. Below is a table showing the cheapest car insurance rates for different driver profiles.
| GEICO | Minimum Coverage | $53 |
| State Farm | Full Coverage | $120 |
| State Farm | Teens | $290 |
| State Farm | Young Adults | $106 |
| State Farm | Seniors | $84 |
| Nationwide | Bad Credit | $176 |
| State Farm | Drivers With a DUI | $102 |
| State Farm | Drivers With An Accident | $111 |
| State Farm | Drivers With a Speeding Ticket | $102 |
Car Insurance Rates in Orlando by Company
Each car insurance company has different prices. To find the cheapest in Orlando, compare rates. Below, we explain affordable options for minimum coverage and full coverage car insurance.
Cheapest Car Insurance Companies for Minimum Coverage in Orlando
GEICO offers the cheapest minimum coverage auto insurance at $53 per month. State Farm follows closely with a rate of $61 monthly. See the breakdown of the cheapest options in the table below.
| GEICO | $53 | $39 |
| State Farm | $61 | $30 |
| Travelers | $67 | $24 |
| Mercury | $86 | $6 |
| Nationwide | $88 | $3 |
Cheapest Car Insurance Companies for Full Coverage in Orlando
State Farm offers the most affordable full coverage car insurance in Orlando at $120 per month. Explore the full list of providers in the table below for more options.
| GEICO | $150 | $43 |
| Nationwide | $167 | $26 |
| State Farm | $120 | $72 |
| Travelers | $133 | $60 |
Car Insurance Companies in Orlando
To find affordable car insurance in Orlando, we suggest getting quotes from several companies. State Farm offers the cheapest rate at $1,086 annually. Mercury, scoring 81 out of 100, is the best cheap provider. Check the table below for more options to consider.
| State Farm | 84 | $1,086 |
| Mercury | 81 | $1,772 |
| Travelers | 75 | $1,199 |
| Nationwide | 73 | $1,527 |
| GEICO | 70 | $1,214 |
| Progressive | 67 | $1,520 |
| Allstate | 64 | $1,716 |
| Farmers | 60 | $2,125 |
| Direct General Insurance | 36 | $2,565 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Orlando by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $2,194 per year for 40-year-olds and $2,149 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $5,106 | $-801 |
| 17 | $5,073 | $-768 |
| 18 | $4,342 | $-38 |
| 19 | $4,227 | $78 |
| 20 | $4,359 | $-54 |
| 21 | $3,447 | $858 |
| 22 | $3,518 | $787 |
| 23 | $3,607 | $697 |
| 24 | $3,409 | $896 |
| 25 | $2,714 | $-105 |
| 40 | $2,194 | $415 |
| 65 | $2,149 | $460 |
Cheapest Car Insurance for Teens in Orlando
Nationwide offers the cheapest overall car insurance for teens in Orlando, with full coverage costing $294 per month. This provides a $96 monthly savings compared to the state average. The table below also breaks down some of the most affordable providers for this age group.
| Nationwide | $294 | $96 | $502 |
| State Farm | $319 | $72 | $290 |
| GEICO | $348 | $42 | $378 |
| Allstate | $406 | $-16 | $1,149 |
| Travelers | $414 | $-23 | $589 |
| Farmers | $473 | $-82 | $795 |
| Progressive | $480 | $-89 | $589 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Orlando
GEICO offers the lowest minimum coverage rate for young drivers at $69 per month, while State Farm provides the cheapest full coverage at $143. Check the table below to see which providers offer the best rates for different young driver profiles.
| GEICO | Minimum Coverage | $69 |
| State Farm | Full Coverage | $143 |
| Nationwide | Bad Credit | $205 |
| State Farm | Drivers With a DUI | $120 |
| State Farm | Drivers With An Accident | $131 |
| State Farm | Drivers With a Speeding Ticket | $120 |
Cheapest Car Insurance Companies for Young Drivers in Orlando
State Farm offers the most affordable auto insurance for young drivers at $106 per month. The table below shows other companies with competitive rates.
| State Farm | $106 | $66 |
| Travelers | $112 | $60 |
| GEICO | $142 | $30 |
| Nationwide | $148 | $24 |
| Allstate | $154 | $18 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Orlando
GEICO and State Farm are two of the cheapest car insurance providers, but your rates may vary. The table below shows the cheapest providers for different driver and coverage profiles that may better fit you.
| GEICO | Minimum Coverage | $48 |
| State Farm | Full Coverage | $111 |
| Nationwide | Bad Credit | $165 |
| State Farm | Drivers With a DUI | $94 |
| State Farm | Drivers With An Accident | $103 |
| State Farm | Drivers With a Speeding Ticket | $94 |
Cheapest Car Insurance Companies for Seniors in Orlando
State Farm offers the cheapest monthly premium for seniors at $84 for both minimum and full coverage. GEICO follows closely with a rate of $94 per month. The table below shows top car insurance providers for seniors in Orlando.
| State Farm | $84 | $55 |
| GEICO | $94 | $44 |
| Travelers | $96 | $43 |
| Nationwide | $120 | $19 |
| Mercury | $137 | $1 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Orlando
In Orlando, high-risk drivers generally pay lower insurance rates than the state average, with minimum coverage at $1,506 and full coverage at $3,332 annually. Those with bad credit or DUIs pay the most for car insurance. Accidents and speeding tickets tend to have a smaller impact on rates, making it easier for drivers to manage their insurance costs.
| State Average | $1,651 | $3,718 |
| Orlando Average | $1,506 | $3,332 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Insurers in Orlando typically consider minor driving incidents, like a not-at-fault accident or a speeding ticket, for around three to five years. For serious driving offenses such as a DUI, insurers may take account for up to ten years, and you might need to file an SR-22 insurance or FR-44 insurance to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Orlando
State Farm offers the cheapest minimum coverage for drivers with a DUI at $826 per year. For full coverage, GEICO provides the lowest rate at $3,691 annually. Check out the table below to see more options for low-cost coverage.
| State Farm | $69 | $136 |
| Travelers | $113 | $228 |
| Progressive | $114 | $256 |
| Allstate | $122 | $277 |
| GEICO | $101 | $308 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Orlando
State Farm, GEICO, and Travelers offer the lowest rates for drivers with an at-fault accident in Orlando. For more details on the cheapest auto insurance after an at-fault accident, explore the options. Below, find a table of affordable providers in the area.
| State Farm | $75 | $147 |
| Travelers | $98 | $196 |
| GEICO | $79 | $238 |
| Nationwide | $129 | $244 |
| Progressive | $148 | $354 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Orlando
State Farm is the cheapest car insurance provider for drivers with a speeding ticket, offering minimum coverage at $69 per month and full coverage at $136 in Orlando. Check the table below to see how other providers charge drivers with a speeding ticket.
| State Farm | $69 | $136 |
| Travelers | $92 | $187 |
| Nationwide | $105 | $198 |
| Allstate | $95 | $203 |
| GEICO | $98 | $300 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Cheapest Car Insurance for Bad Credit in Orlando
GEICO offers the most affordable rates for drivers with bad credit for state minimum coverage at $108, while Nationwide provides the cheapest full coverage at $230. Check the table below for more affordable options.
| Nationwide | $122 | $230 |
| Travelers | $148 | $275 |
| Farmers | $145 | $278 |
| GEICO | $108 | $310 |
| Mercury | $127 | $325 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Orlando, FL
In Florida, each city sets car insurance minimums based on statewide mandates. Here's what your policy needs at a minimum:
- $10,000 for property damage liability per accident.
- $10,000 personal injury protection (PIP) per person
For example, if you're involved in a minor accident, the state minimum coverage will help cover the costs of property damage up to $10,000.
Cheap Car Insurance in Orlando: Bottom Line
GEICO shines as Orlando's cheapest option for minimum coverage, while State Farm wins for full coverage. No matter your age or credit, you'll find affordable plans that suit your wallet. Remember, your policy must include Florida's required PIP and PDL. By comparing insurance providers, secure rates that are kind to your budget and keep you legal on Sunshine State roads.
Orlando Auto Insurance: FAQ
This FAQ section offers quick answers to help you find the most affordable and best car insurance options in Orlando. Discover how to secure state minimum coverage and make informed choices without breaking the bank.
What is the cheapest car insurance company in Orlando, Florida?
GEICO offers the most affordable car insurance in Orlando, Florida, with monthly rates for minimum coverage starting at $53.
What is the best car insurance company in Orlando, Florida?
State Farm, scoring 84 out of 100, is the best car insurance company in Orlando, Florida.
How much does car insurance cost on average in Orlando?
The average monthly cost for minimum coverage auto insurance in Orlando ranges from $88 to $145.
Best Cheap Car Insurance in Orlando: Our Methodology
MoneyGeek conducted an analysis of Orlando auto insurance prices using data from the Florida Department of Insurance and Financial Services and Quadrant Information Services.
Orlando Driver Profile
To assess the best and most affordable auto insurance options for Orlando residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Orlando
In assessing the car insurance quotes for Orlando, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Florida's mandated liability insurance parameters:
The minimum coverage requirements in Florida are:
- $10,000 for property damage liability per accident.
- $10,000 personal injury protection (PIP) per person
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Florida providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Orlando
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Orlando. For more details on our evaluation process, you can view MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.