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Best cheap car insurance in Orlando for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best car insurance companies in Orlando
To identify the best Florida car insurance companies for cheap auto insurance, Bankrate’s insurance editorial team began by analyzing average rate data from Quadrant Information Services. In addition to rate data, we considered J.D. Power customer satisfaction scores, coverage types and discounts, financial strength and more. Each carrier was assigned a Bankrate Score out of a possible 5.0 points to signal the overall benefits the company offers for consumers, but we’ve singled out each company for its primary strengths compared to other insurers in the region.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Progressive made our list: Below-average rates, a robust range of discounts and a high Bankrate Score of 4.4 out of 5.0 points may make Progressive one of the best car insurance companies for drivers in Orlando, FL. Although Progressive’s slightly below-average customer satisfaction scores from J.D. Power indicate that the carrier may not be the best pick for consumers who place a high value on customer service, drivers seeking the cheapest rates may want to get a quote from Progressive.
Why Progressive may be best for customized policies: In addition to standard coverage options like liability and collision insurance, Progressive offers customizable coverage add-ons that other carriers may not have, such as loan/lease payoff, custom parts and equipment (CPE) coverage and disappearing deductibles. If you need a full coverage policy that goes beyond the basics, consider getting quotes from Progressive.
| Bankrate Score | 4.4 |
| J.D. Power | 587/1,000 |
| AM Best score | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Geico made our list: Geico was named one of the best budget auto insurance companies as well as one of 2024’s best auto insurance companies overall in the 2024 Bankrate Awards. While it may not be a good fit for drivers seeking custom coverage or policy add-ons like gap coverage, Geico excels in providing low-cost basic auto insurance to drivers in a wide range of categories.
Why Geico may be best for digital policy management: Geico prioritizes digital sales and policy management through its highly rated mobile app, which allows policyholders to reach out to agents, file claims, access ID cards and summon roadside assistance. Although the company scored below average for shopping in J.D. Power’s 2023 U.S. Insurance Digital Experience Study, it ranked in second place for customer service.
| Bankrate Score | 4.4 |
| J.D. Power | 629/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why State Farm made our list: According to our research, State Farm may have the lowest rates for some drivers seeking cheap car insurance in Orlando. The company also earned the top spot for customer satisfaction in Florida in J.D. Power’s 2023 U.S. Auto Insurance Study, scoring more than 20 points above the region average. A solid suite of discounts, including savings opportunities geared towards young drivers, could make State Farm a good choice for some Orlando drivers.
Why State Farm may be best for working with a local agent: State Farm maintains a large network of local insurance agents in the Orlando area. While the company’s mobile app offers digital policy management options for policyholders who prefer doing business on their smartphone, consumers who value an in-person relationship with a local agent may want to get a quote from State Farm.
| Bankrate Score | 4.3 |
| J.D. Power | 650/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Allstate made our list: Allstate received a Bankrate Score of 3.9 out of 5.0 points for auto insurance. In addition to standard insurance like liability, collision and medical payments coverage, Allstate has some less common coverage options like ridesharing insurance and classic car coverage. The company also ranked in second place for customer satisfaction in Florida in J.D. Power’s 2023 U.S. Auto Insurance Study.
Why Allstate may be best for usage-based policies: While Allstate’s average rates are slightly higher than some competitors in the Orlando area, their usage-based insurance could lower premiums for safe drivers. The Drivewise app tracks safe driving behaviors in exchange for potential discounts, including automatic discounts of 10% for signing up and 6% for staying active in the program. Combined with Allstate’s other auto insurance discounts, using the telematics app could help Orlando drivers find affordable rates.
| Bankrate Score | 3.9 |
| J.D. Power | 643/1,000 |
| AM Best score | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Direct Auto made our list: Direct Auto is owned by Direct General Insurance Agency, a subsidiary of Allstate, specializing in nonstandard auto insurance for drivers with high-risk factors, such as violations and at-fault accidents, on their driving records. Direct Auto is not rated by J.D. Power, but its parent company, National General, has an AM Best rating of A+ (Superior), indicating its strong ability to pay out claims. Drivers in Orlando who are struggling to find affordable coverage from other insurers may want to get a quote from Direct Auto.
Why Direct Auto may be best for high-risk insurance: While our research indicates that Direct Auto’s average rates may be higher than the citywide average, they may offer lower rates to high-risk drivers and offer coverage to consumers who can’t get a policy elsewhere. Direct Auto offers basic coverage options and a range of discounts, including vehicle equipment and driver training discounts, which could help to lower rates for high-risk drivers.
| Bankrate Score | Not rated |
| J.D. Power | |
| AM Best score |
Bankrate's trusted insurance industry expertise
Read our full methodologyBankrate’s insurance editorial team prioritizes providing the most up-to-date pricing and rating information for car insurance companies in your area. Our team, which includes licensed insurance agents with decades of combined industry experience, analyzed the latest rate data available from Quadrant Information Services based on Orlando ZIP codes to identify the best cheap carriers in the city.
46
years of industry experience
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
The cheapest car insurance companies in Orlando
According to research by Bankrate’s insurance editorial team, the three cheapest car insurance companies in Orlando are Geico, State Farm and Progressive, with Geico customers paying $894 per year, on average, for state minimum coverage. Keep in mind, however, that car insurance rates will always vary based on individual driver profiles, so the cheapest Florida car insurance companies may be different for every driver.
| Insurance company | Average annual min coverage premium | Average annual full coverage premium |
|---|---|---|
|
$1,087
|
$2,205
|
|
|
$940
|
$2,757
|
|
|
$894
|
$2,818
|
|
|
$1,089
|
$3,734
|
How much is car insurance in Orlando, Florida?
On average, Orlando drivers pay $3,343 per year for full coverage insurance and $1,086 per year for state minimum coverage. That’s 3 percent less than the average cost of car insurance in Florida for full coverage and 4 percent more for minimum coverage. Overall, Orlando drivers with full coverage policies pay 438 percent more than the national average.
Orlando rates for teens
Because insurers base premiums on risk and drivers with limited on-road experience carry a significantly higher risk of crashes and claims, teen drivers in Orlando typically pay above-average rates for auto insurance, especially if they’re on their own policy versus their parents. For example, on average, an 18-year-old driver on their parents’ policy in Orlando pays $6,273 annually for full coverage compared to the annual cost of $9,682 on their own policy.
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
$1,905
|
$1,554
|
|
|
$1,914
|
$1,705
|
|
|
$1,920
|
$1,718
|
|
|
$2,139
|
$1,721
|
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
$4,427
|
$3,861
|
|
|
$5,837
|
$5,336
|
|
|
$5,853
|
$4,811
|
|
|
$5,940
|
$4,990
|
Orlando rates for young drivers
Moving to young adulthood, drivers aged 25 years old typically pay $4,190 per year for full coverage in Orlando, or $1,387 per year for minimum coverage. Hitting age 25 is usually the key to more steadily decreasing rates; a 25-year-old Orlando driver pays 24 percent less for minimum coverage, on average, than a 21-year-old driver and 60 percent less than an 18-year-old.
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
$1,656
|
$1,112
|
|
|
$1,916
|
$1,422
|
|
|
$2,012
|
$1,153
|
|
|
$2,720
|
$1,324
|
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
$4,362
|
$3,015
|
|
|
$5,518
|
$3,529
|
|
|
$5,852
|
$3,424
|
|
|
$8,827
|
$4,587
|
Orlando rates for adults
In adulthood, auto insurance rates tend to stabilize, with fluctuations around life changes like purchasing a new car or adding a child to your policy. On average, 50-year-old drivers in Orlando pay $3,272 per year for full coverage — 9 percent less than 30-year-olds.
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
$1,005
|
$940
|
$945
|
|
|
$990
|
$894
|
$870
|
|
|
$1,162
|
$1,089
|
$1,107
|
|
|
$1,316
|
$1,087
|
$1,185
|
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
$2,728
|
$2,205
|
$2,418
|
|
|
$3,008
|
$2,757
|
$2,822
|
|
|
$3,076
|
$2,818
|
$2,741
|
|
|
$3,913
|
$3,734
|
$3,725
|
Orlando rates for senior drivers
Senior citizens typically pay the lowest auto insurance premiums of any age group thanks to a lifetime of driving experience. However, rates may begin to climb as drivers reach their seventies and see slower reaction times, potential vision issues and a higher risk of serious injury from a crash. On average, a 70-year-old driver in Orlando pays 8 percent more for full coverage than a 60-year-old and 3 percent more than a 50-year-old, for a total annual premium of $3,386.
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
$824
|
$836
|
|
|
$914
|
$934
|
|
|
$1,063
|
$1,125
|
|
|
$1,150
|
$1,214
|
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
$1,150
|
$2,539
|
|
|
$824
|
$2,619
|
|
|
$914
|
$2,799
|
|
|
$1,063
|
$3,769
|
The cheapest car insurance in Orlando by driving record
Insurance companies look closely at your driving record when issuing car insurance quotes. Tickets, at-fault accidents and serious convictions for offenses like driving under the influence can make it difficult to find cheap car insurance in Orlando. It’s important to understand how each of these factors affects your driver profile — and how different insurance carriers treat them — in order to find the cheapest rates with a less-than-perfect driving record.
Car insurance with a speeding ticket in Orlando
Drivers in Orlando with a speeding ticket conviction pay 17 percent more for full coverage, on average, than drivers with a clean record. Compare that to the Florida state average, where drivers with speeding tickets usually pay 17 percent more than the average for drivers with no violations.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$1,160
|
$3,911
|
|
|
$1,220
|
$3,803
|
|
|
$1,242
|
$3,406
|
|
|
$1,570
|
$3,460
|
Car insurance after an accident in Orlando
An at-fault accident on your driving record signals to insurance companies that you may have a higher likelihood of filing claims in the future. In Orlando, a driver with an at-fault accident on their record generally pays 38 percent more for full coverage than a driver with a clean record. In Florida as a whole, you can expect to pay around 37 percent more for coverage after an at-fault accident.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$1,200
|
$3,708
|
|
|
$1,500
|
$3,932
|
|
|
$1,793
|
$3,932
|
|
|
$1,823
|
$5,630
|
Car insurance after a DUI in Orlando
A DUI is a major offense carrying serious legal, financial and insurance implications for Orlando drivers. According to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), drivers can be fined up to $1,000 and imprisoned for up to six months for a first offense, among other penalties. In addition, a DUI conviction can raise car insurance rates significantly or even cause some carriers to non-renew or deny coverage. Orlando drivers with DUIs pay 72 percent more for state minimum coverage than drivers with clean records.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$1,424
|
$2,975
|
|
|
$1,429
|
$4,381
|
|
|
$1,463
|
$5,007
|
|
|
$1,861
|
$4,644
|
Minimum coverage requirements in Orlando
All Orlando car owners must carry at least the following required insurance on their vehicle:
- $10,000 of property damage liability per accident
- $10,000 of personal injury protection (PIP)
If drivers choose to purchase bodily injury liability insurance (which is not required by law), they must purchase at least $10,000 of coverage per person and $20,000 per accident. If you’re not sure how much car insurance you need in Orlando, speaking with an insurance professional can help you decide which types of coverage are worth the cost and how high to set your policy limits.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze July 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Bankrate Score
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
-
Cost & ratings 50%
-
Coverage & savings 30%
-
Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
