Orlando, FL Car Insurance

How Much Does Car Insurance Cost in Orlando?

The auto insurance average rate in Orlando is $2,293 per year. It is almost the same with the state’s average rate of $2,297 but more expensive than the nation’s average of $1,541. Different aspects are evaluated when insurers calculate your car insurance quote. Your marital status, driving history, credit tier, age, and location are the most common aspects that influence your annual car insurance cost in Orlando.

If you want to earn savings on your car insurance in Orlando, then it is best to compare the rates of different companies. Hence, closely compare rates from different insurance companies in Orlando according to your location, age, driving history, credit tier, and marital status and choose one that best fits your driving history.

Orlando Car Insurance Costs by Company

Every car insurance company in Orlando has different policies and rates. State Farm offers the cheapest car insurance in Orlando with an average rate of $1,631 annually. Maintaining a clean driving history will keep your car insurance rates to stay on the average.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,631$136

Florida Cheapest Car Insurance Rates For Minimum Coverage

There are several companies in Florida that provide minimum car insurance coverage at a competitive price. State Farm by far offers the best deal when it comes to purchasing car insurance with minimum coverage.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,528$211
Direct Auto$3,266$272

Florida Cheapest Full Coverage Insurance Rates For Young Drivers With Clean Driving History

In Florida, teen drivers are considered inexperienced and high-risk drivers and they pay the most expensive car insurance rates in Florida. However, if you are a young driver with a clean driving record, several auto insurance companies in Florida that provide less expensive premiums.

Miami Car Insurance Rates Per Age Group

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,001$167
Direct Auto$3,201$267

Orlando Car Insurance Premiums By Gender and Marital Status

Other factors that are assessed when calculating your car insurance rates are your marital status and gender. Many married couples and widowed drivers in Orlando pay lower car insurance rates compared to those who are single. While married couples are considered responsible drivers compared to single drivers, their gender also affects their overall auto insurance premiums. Male drivers in Orlando are considered skillful drivers. Thus, female drivers pay more than males for car insurance in Orlando.

Orlando Car Insurance Premiums by Marital Status and Gender

Marital Status/GenderAnnual RateMonthly Rate

Florida Cheapest Car Insurance Rates For Married Couples

As was mentioned, married couples pay cheaper car insurance rates in Florida. Married couples are considered financially stable and low-risk drivers. Thus, several car insurance companies around Florida offer coverage at a cheaper price. MetLife by far offers the cheapest auto insurance rates for married couples.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,721$227
Direct Auto$3,233$269

Get Orlando car insurance now!

Orlando Auto Insurance Rates After an Accident or Violation

Maintaining a clean driving record will help keep your car insurance rate on the average scale. However, one at-fault accident can cause your premiums to significantly increase. Additionally, acquiring speeding tickets, and reckless driving citations are also considered risks. Thus, maintaining a good driving record in Orlando will keep your premiums low and close to the average of $2,293 per year.

Orlando Car Insurance Rates For High-Risk Drivers

Driving ViolationAnnual RateMonthly Rate
Reckless Driving$3,500$292
At-Fault Accident (less than $1000 damages)$3,183$265
At-Fault Accident (more than $1000 damages)$3,183$265
Speeding Ticket$2,871$239

Florida Average Auto Insurance Costs With One At-Fault Accident

One at-fault accident in Florida can drive up your car insurance rates. Depending on the amount of damages caused, drivers who have been in an at-fault accident pay expensive auto insurance rates in Florida. However, there are car insurance companies around Florida that offer less expensive car insurance premiums to high-risk drivers.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,033$169
Direct Auto$3,411$284

Florida Average Car Insurance Rate After A Ticket

Speeding tickets might not seem like a serious offense but, in Florida, drivers will pay more on their auto insurance premiums after getting a ticket. However, some insurance companies around the state give chance to reckless drivers and offer cheap car insurance premiums.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,902$159
Direct Auto$3,163$264

Orlando Auto Insurance Rates by Credit Tier

Your credit score is another aspect Orlando auto insurance companies evaluate when calculating your car insurance rates. If you build your credit from Very Poor to Exceptional it will give you savings up to 59% annually on your car insurance rates. Hence, keeping a good credit score is one way for your rates to stay on the average in Orlando.

Orlando Car Insurance Premiums by Credit Tier

Credit LevelAnnual RateMonthly Rate
Very Poor$4,569$381
Very Good$2,066$172

Florida Average Car Insurance Rates by Poor Credit with Minimum Coverage

Several car insurance companies in Florida provide cheap premiums for drivers with poor credit and wish to purchase a policy with minimum coverage. State Farm offers the cheapest car insurance rates with minimum coverage in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,989$166
United Auto$2,671$223
Direct Auto$1,298$108

Florida Average Car Insurance Rates For Good Drivers With Poor Credit

Your credit score is one of the aspects that impact your car insurance rates in Florida. Having a poor credit score can increase your car insurance premiums. However, if you are a good driver with poor credit, there are several car insurance companies in Florida that offer cheap coverage despite the poor credit tier.

Insurance CompanyAnnual RateMonthly Rate
Direct Auto$2,528$211
United Auto$3,206$267
State Farm$3,266$272

Get Orlando car insurance now!

Orlando Car Insurance Cost by ZIP Code

The driver’s location also affects car insurance rates in Orlando. Those who are residing in areas prone to theft and accidents will likely carry expensive auto insurance rates. However, there are specific locations or ZIP codes in Orlando that gain the cheapest car insurance rates. Some, on the other hand, are considered high-risk; thus, drivers living in areas considered risky in Orlando tend to pay a lot more for their auto insurance premiums.

Orlando ZIP Codes With Expensive Car Insurance RatesOrlando ZIP Codes With Cheap Car Insurance Rates
32809 33160

Get Cheapest Insurance Quote

Orlando Car Insurance FAQs

  • What is the best thing to do after an accident in Orlando involving multiple people?

    If you are at-fault during a car crash, it is best to contact your insurance provider. Your insurance must be comprehensive enough to cover all the costs of the injury of the victims. The amount will depend on the damages each person acquired during the collision.

  • What is the first thing I would do if I am involved in a “hit and run” in Orlando?

    We strongly recommend contacting your insurance provider immediately. Your compensation will depend on the kind of policy you have with the car insurance company. If you have comprehensive insurance that covers uninsured motorists, then you will likely gain adequate compensation.

  • What do I do if I was involved in an accident but I am not under any car insurance policy in Orlando?

    The state of Florida requires every driver to have insurance. If you fail to do so, you may have to carry all the costs and can be banned from driving in Florida.

  • What are the things I should include in my Property Damage Claim in Orlando?

    You can file a claim enlisting all the properties that got damaged during the car crash. You can gather all the invoices or receipts for all the repairs you had to do and include them when making a claim. 

  • Get Cheapest Insurance Quote

    Call an Agent

    Whether you just prefer a friendly voice or need more information, our licensed agents are ready to help you save.