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Orlando Car Insurance

How much does car insurance cost in Orlando, FL? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Orlando?

Orlando, Florida is a magical place and an ideal vacation spot for people of all ages. Orlando is the sixth-largest metropolitan area in the Southern United States and the fourth-largest city in Florida. It is known as the “Theme Park Capital of the World" because it is home to Walt Disney World, Universal Studios, SeaWorld, Legoland and Fun Sport America. Walt Disney World, which includes Epcot, Hollywood Studios, and Animal Kingdom, has more theme parks than its Disneyland LA counterpart. Universal Studios Orlando has three expansive and immersive theme parks, the most impressive being the Wizarding World of Harry Potter. And if you like danger, Gatorland invites you to zip-line over thousands of alligators and crocodiles.

Cultural venues include the Orlando Museum of Art, the World of Chocolate Museum, and the Kennedy Space Center where you can see real rockets, experience flight simulations and learn more about space exploration. For a taste of nightlife, ICEBAR in Downtown Orlando features a below-freezing room with a bar literally carved from ice. The best view of the city at night can be seen from inside a glass capsule 400 feet in the air at The Wheel at ICON Park.

Florida is known for its subtropical climate, but residents face hurricane risks. If you have a car or you have a home here, SmartFinancial can help you find an insurance company to help you protect your assets from such natural disasters so that you can relax and explore everything Orlando, Florida has to offer. Here’s more information for drivers in Orlando.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Florida has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Orlando typically pay around $201.64 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Florida $186.75
Orlando, Florida $201.64

Orlando, FL Best Car Insurance Companies

car insurance in Orlando

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Direct General generally has the most affordable car insurance in Orlando coming in around $143.81 per month. Other companies to consider if you live in Orlando is State Farm with an average cost of $169.76 per month and Mercury Insurance which typically runs around $191.93 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Orlando.

RankCompanyAverage Monthly RateComparison State Average
1 Direct General $143.81-22.99%
2 State Farm $169.76-9.10%
3 Mercury Insurance $191.932.77%
4 Allstate $206.7610.71%
5 Direct Auto $219.8817.74%
6 Allied $220.3517.99%
7 Safeco $230.5723.46%
8 21st Century $242.0529.61%
9 Direct General Insurance $251.1334.47%
10 Mercury $256.7937.50%

How Much is Car Insurance in Orlando, FL?

how much is auto insurance in Orlando

Rates can vary from city to city. The residents of Fort Lauderdale typically pay $223.08 per month while people who live in Jacksonville will pay $173.61 per month on average. See what people pay for car insurance in other cities in Florida.

Florida CitiesMonthly Average Rate
Fort Lauderdale $223.08
Jacksonville $173.61
Miami $268.78
Orlando $201.47
Tampa $254.26

Cheap Car Insurance in Orlando by Zip Codes

find cheap auto insurance in Orlando

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Florida. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Orlando, FL ZIP CodeAverage Monthly Rate
32801$204.96
32802$235.41
32803$167.58
32804$195.65
32805$234.58
32806$184.65
32807$179.84
32808$236.72
32809$205.20
32810$199.37
32811$233.76
32812$181.21
32814$181.04
32815$152.33
32816$258.29
32817$183.30
32818$227.44
32819$193.49
32820$192.38
32821$175.79
32822$175.13
32824$176.61
32825$180.65
32826$181.54
32827$161.19
32828$175.03
32829$165.10
32830$168.04
32831$132.34
32832$182.45
32833$178.96
32834$187.43
32835$202.58
32836$184.18
32837$170.74
32839$217.23
32853$274.32
32855$389.17
32856$201.82
32858$223.45
32860$166.18
32861$234.83
32862$153.84
32868$199.46
32869$235.17
32872$202.22
32877$167.83
32885$188.41

Car Insurance Rates by Driver's Age Group in Orlando

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $350.25 per month in Orlando. Compare that to drivers in their 30’s who typically pay around $189.88 per month drivers in their 40s at $173.12 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$350.25
20s$240.07
30s$189.88
40s$173.12
50s$154.81
60s$149.78
70+$165.16

Cheapest Insurance for Teenage Drivers in Orlando

If you are teen in Orlando you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, State Farm typically charges around $322.79 per month. This is likely the most affordable option in Orlando. You might also want to consider 21st Century and Direct Auto who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
State Farm$322.79
21st Century$347.81
Direct Auto$369.19
Mercury Insurance$384.83
Allstate$422.06

Cheapest Insurance for 20 Year-olds in Orlando

20 year-olds in Orlando might want to consider State Farm who, on average, offers car insurance rates around $212.67 per month. Mercury Insurance , Direct Auto , Allied and Allstate are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
State Farm$212.67
Mercury Insurance$225.27
Direct Auto$253.83
Allied$256.31
Allstate$266.08

Cheapest Insurance for 30 Year-olds in Orlando

If you are in your 30s in Orlando our research has found that Direct General typically has the most affordable coverage coming in around $143.81 per month, followed by State Farm at $146.41 and Allstate at $178.33.

CompanyAverage Monthly Rate
Direct General$143.81
State Farm$146.41
Allstate$178.33
Allied$195.53
Direct Auto$209.35

Cheapest Insurance for 40 Year-olds in Orlando

On average, State Farm offers car insurance for 40 year-olds in Orlando for around $143.37 per month. If you are looking for affordable coverage, you may also want to consider Allstate or Allied. The full list of top companies is below.

CompanyAverage Monthly Rate
State Farm$143.37
Allstate$171.09
Allied$187.71
Mercury Insurance$189.25
Direct Auto$191.92

Cheapest Insurance for 50 Year-olds in Orlando

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Orlando we found that State Farm generally offers the most affordable coverage at $139.05 per month.

CompanyAverage Monthly Rate
State Farm$139.05
Allstate$156.50
Mercury Insurance$160.83
Safeco$160.88
Allied$174.87

Cheapest Insurance for 60 Year-olds in Orlando

If you live in Orlando and you’re in your 60s, our data indicates that Mercury Insurance usually has the best rates at $123.15 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Mercury Insurance$123.15
State Farm$133.73
Allstate$152.42
Direct Auto$163.59
Allied$174.83

Driver's Coverage Auto Insurance Rates in Orlando, FL

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Orlando, the average monthly rate for a driver who is currently insured is $166.13 while drivers who are not currently covered will pay around $220.85.

CoverageAverage Monthly Rate
Not Currently Insured $220.85
Currently Insured $166.13

Compare Recent Car Insurance Quotes in Orlando

auto insurance quotes in Orlando city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Orlando a driver of a 2015 Kia Sportage can expect to pay around $434.54 per month while someone that owns a 2015 Kia Sportage may pay around $243.08 per month. Check out the list of recent quotes in Orlando below.

VehicleAverage Monthly Rate
2015 Kia Sportage$434.54
2015 Kia Sportage$243.08
2015 Kia Sportage$191.75
2015 Kia Sportage$223.70
2018 Volvo S90$228.73
2018 Volvo S90$202.68
2018 Volvo S90$195.86
2018 Volvo S90$113.10
2008 Chrysler 300$99.47
2008 Chrysler 300$100.93

FAQ's for Drivers in Orlando, FL

driver’s frequently asked question in Orlando

What Is the Minimum Liability Coverage Requirement in Orlando, FL?

The minimum insurance coverage needed in Florida is $10,000 of personal injury protection (PIP) and $10,000 property damage liability (PDL). Florida drivers should also have $10,000/$20,000 bodily injury liability coverage per person/per incident, but policyholders can reject this coverage if they really want to.

Florida is a no-fault state. This means your rights are limited to sue an at-fault driver following a collision. No-fault insurance coverage can pay up to 80% of injury-related expenses and up to 60% of lost wages. It does not cover damaged property.

  •  $10,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  •  $10,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  •  $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Although you are not legally required to carry full coverage insurance in Florida, most lenders demand this level of coverage. They may also require additional coverages. Consider this when calculating the price of your auto loan.

What Is the Blood Alcohol Concentration (BAC) limit in Orlando, FL?

It is illegal for individuals to operate a motor vehicle in Florida with the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

DUI is also proven by impairment of normal faculties. For more information about Florida’s DUI laws, refer to Florida DUI and Administrative Suspension Laws on the Florida Department of Highway Safety and Motor Vehicles website.

What are the consequences of being convicted of a DUI?

The consequences of a DUI in Florida depend on the number of convictions, your blood alcohol level, and whether you were transporting a minor at the time of your arrest. At the very least, you will face a fine, community service, and probation. You may also receive jail time at the court’s discretion.
In addition, the long-term damage to your finances could be devastating. You may incur such expenses as higher insurance rates, attorney fees, court costs, vehicle impoundment, mandatory installation of an ignition interlock device, and others.

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Commute Time in Orlando, FL

25.4 Miles
map

Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Orlando, FL

349

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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