Cheapest Auto Insurance in Orlando, Florida (2026)

Florida has some of the highest car insurance costs in the country, and Orlando drivers see even higher rates. The overall average cost of car insurance in the home of Disney World and Universal Studios is $200 per month. By comparison, the state average is $184, and the national average is $136 per month for car insurance.

While rates are high, it’s possible to find affordable car insurance in Orlando if you’re willing to take the time to compare quotes and shop around for the best insurers.

7 of the cheapest car insurance companies in Orlando 

The cheapest car insurance companies in Orlando may offer discounts or incentive savings that could influence rates, making one insurer’s premium less expensive than the cheapest insurer. The best auto insurance company for you will depend on your individual situation and needs.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $76/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $124/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $160/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $135/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $160/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $128/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $211/mo*
Overall rating 4.9 1,517 reviews	Overall rating 4.0 7,299 reviews	Overall rating 4.0 7,536 reviews	Overall rating 4.5 66 reviews	Overall rating 3.8 1,120 reviews	Overall rating 3.2 8,266 reviews	Overall rating 3.3 540 reviews
Value for money 4.9/5	Value for money 3.7/5	Value for money 3.8/5	Value for money 4.0/5	Value for money 3.2/5	Value for money 3.0/5	Value for money 3.0/5
Customer service 4.8/5	Customer service 4.2/5	Customer service 4.1/5	Customer service 3.3/5	Customer service 3.7/5	Customer service 3.4/5	Customer service 3.1/5
Claims handling 4.9/5	Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 3.8/5	Claims handling 3.8/5	Claims handling 3.3/5	Claims handling 3.1/5
Special highlight AI-generated from 1517 user reviews Members of the military community	Special highlight AI-generated from 7299 user reviews Customer service	Special highlight AI-generated from 7536 user reviews Teen drivers	Special highlight AI-generated from 66 user reviews Low-mileage drivers	Special highlight AI-generated from 1120 user reviews Bundling discounts	Special highlight AI-generated from 8266 user reviews Competitive rates	Special highlight AI-generated from 540 user reviews High-risk drivers

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for temporary coverage: Hugo

Temporary coverage

Compare Quotes

User Reviews	4.6 66 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	6.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$202/mo

Details

Driver Reviews

4.6

Best choice in Orlando, FLBased on 202 verified driver reviews and ratings

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

Best in Orlando for

Micropayments

No down payments

Fast coverage

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

Best in Orlando for

Micropayments

No down payments

Fast coverage

Showing recent national reviews - See all 66 Hugo reviews

Shelbi

Verified Purchase

Hugo Helps in a Flash

Reviewed in Illinois on March 21, 2026

I like that Hugo offers short-term plans. However, I wish they offered full coverage for vehicles.

Quincy

Verified Purchase

Great news

Reviewed in Pennsylvania on March 18, 2026

I like it, and it’s much easier to use the app to add cars than talking on the phone and waiting for your card to come in the mail.

Angela

Verified Purchase

Affordable

Reviewed in Texas on February 2, 2026

Love that you can pay it freely by the day, week, or month.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Drivers in Orlando can qualify for this insurtech provider that boasts no hidden fees and benefit from its cheap car insurance coverage. The company’s tech-driven approach makes it a good option for Orlando drivers who don’t want to choose a traditional auto insurer and want to make policy changes from their phones. Unfortunately, Hugo’s Flex plan isn’t available to Florida drivers, and it offers fewer optional coverages than other auto insurers.

Pros

• No hidden fees

• Overdraft protection and flexible coverage extension available

Cons

• FR-44 insurance not available

• Flex plans not available in Florida

Best insurer for rideshare drivers: State Farm

rideshare drivers

Compare Quotes

User Reviews	4.0 7,299 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$165/mo

Details

Driver Reviews

4.0

Best choice in Orlando, FLBased on 16,551 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Orlando for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Orlando for

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Florida reviews for Orlando drivers - See all 7,299 State Farm reviews

Robert

Verified Review

State Farm

Reviewed in Florida on March 30, 2026

State Farm is expensive, and despite their plug-in for my car, they don’t offer any discounts. I have been with them for about 7 years, same vehicle, no tickets or accidents, and they won’t decrease my rate.

Peter

Verified Review

Had enough.

Reviewed in Florida on March 28, 2026

Overpriced, don’t receive proof of insurance card frequently, and do not give you a reminder until the last minute.

Sylvia

Verified Review

State Farm is too expensive!

Reviewed in Florida on March 28, 2026

I still have State Farm, but I'm looking for lower rates with full coverage! I received offers from Progressive, Allstate, and others using the same coverage specs, and prices were lower. I asked State Farm to review my rates and get them closer to the other car insurance offers. So far, I've not received any better offers.

James

Verified Review

State Farm is the best

Reviewed in Florida on March 27, 2026

State Farm auto insurance is about $2000 less per 6 months than my former insurance company (The Hartford), for the exact same coverage.

Jacquelyn

Verified Review

Evaluation

Reviewed in Florida on March 23, 2026

My local agent is great. The national level, not so much. I was in an accident two years ago and was told I would get no help from your company even though I was not at fault and the other driver was cited. I never got reimbursed for my expenses to get home to Florida from Virginia.

Barbara

Verified Review

Competitors Admit They Can’t Compete with SF Prices

Reviewed in Florida on March 22, 2026

Tap into discount advantages, open to questions, respectful, responds in a timely manner, knowledgeable.

Rebscca

Verified Review

State Farm

Reviewed in Florida on March 22, 2026

The folks at the State Farm office are awesome. However, the insurance is way too expensive.

Linda

Verified Review

Reasonable Rates

Reviewed in Florida on March 21, 2026

My current rate is much more reasonable than other companies.

Troy

Verified Review

Great service, price is a little high

Reviewed in Florida on March 21, 2026

It's a little expensive.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

When driving for Uber, Lyft, or another transportation network company (TNC), some Orlando rideshare drivers may feel more comfortable with coverage from a nationally based insurer like State Farm. State Farm maintains an superior financial strength rating from AM Best, meaning it should have no trouble paying out policyholder claims.

Though State Farm does have a number of discounts for eligible drivers, not all Orlando drivers may qualify. State Farm has lower average rates comparatively, but also poor reviews for customer service from users on the Better Business Bureau (BBB) and Trustpilot websites.

Pros

• Highest possible financial strength rating from AM Best

• Easy-to-add rideshare insurance

Cons

• Low customer satisfaction ratings

• Discounts offered may not be available for certain Florida vehicles and drivers

Best insurer for teen drivers: GEICO

teen drivers

Compare Quotes

User Reviews	4.0 7,536 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$231/mo

Details

Driver Reviews

4.0

Best choice in Orlando, FLBased on 16,802 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Orlando for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Orlando for

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 Florida reviews for Orlando drivers - See all 7,536 GEICO reviews

Pamala

Verified Review

Mostly Happy with Geico 😏

Reviewed in Florida on March 28, 2026

I have been very happy with Geico. They were there and insured me when everyone else wanted to charge me twice as much, and that was more than 5 years ago. My rates at one point were as low as $35 a month, and then all of a sudden they shot up to $55 to $58 a month with zero tickets, zero accidents, and zero claims, which is why I started shopping around. But to be perfectly honest, even though I can get insurance for $14 less a month on average, I think I'm going to stick with Geico because they were there when I needed a break, and that goes a long way with me.

Jeffrey

Verified Review

Dump Geico, Go to Progressive

Reviewed in Florida on March 28, 2026

Nice, no one calls me for anything, and they are very competitive on pricing. Good price for the money.

William

Verified Review

Excellent

Reviewed in Florida on March 26, 2026

I like them, but they're just too expensive.

Laura

Verified Review

Paying Too Much

Reviewed in Florida on March 21, 2026

Paying for a no-fault accident.

Gerald

Verified Review

Shop for insurance

Reviewed in Florida on March 21, 2026

Check around for lower prices.

Joseph

Verified Review

Great

Reviewed in Florida on March 21, 2026

Great customer support.

Jeff

Verified Review

Doubling my premium

Reviewed in Florida on March 20, 2026

I have GEICO. I had a very small accident and they doubled my insurance for two years. I don’t think that’s fair, considering I’ve had no claims in over 30 years.

Thelma

Verified Review

I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.

Reviewed in Florida on March 19, 2026

I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.

Patricia

Verified Purchase

I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.

Reviewed in Florida on March 12, 2026

I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Car insurance rates for teens are often higher than all other age groups, which is why GEICO’s low average rates are great for drivers in Orlando. Its good student discount can knock up to 15% off your rate, which may be ideal for drivers attending high school or college. The DriveEasy app could help you save more, though it could increase your rate if it catches you engaging in high-risk driving habits.

Pros

• Discounts available for good students

• FR-44 insurance available

Cons

• Telematics app could increase prices

• Gap insurance not available

How to get the cheapest car insurance in Orlando

Getting the cheapest car insurance in Orlando doesn’t need to be tricky. Comparing rates from multiple insurers is a good way to find the lowest rate, as well as a way to keep the lowest rate. Insurers may change their discounts and incentive programs and offer you more money-saving perks if you switch.

Here are a few ways to get affordable car insurance in Orlando:

• Ask about discounts. Not all insurers list their available discounts publicly. Call a company’s insurance agent to verify which discounts the insurer offers and which of them you qualify for.

• Bundle multiple insurance products. Many insurers offer policy bundling discounts, which are discounts for having multiple policies — like buying homeowners or renters insurance with your auto insurance — with one company.

• Reconsider coverage. If you drive an older vehicle, you may not need high collision and comprehensive limits. Additionally, if you’ve paid off your financed vehicle, you can drop gap insurance from your policy. Review your car insurance declaration page and reconsider your coverage options to see where you can trim back while still staying protected.

Find Cheap Car Insurance in Orlando

Liability rates start at $109 per month

Enter your ZIP codeView My Quotes

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4.7 out of 5 based on 13,041 reviews

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Cheapest liability-only car insurance in Orlando: Progressive

Liability-only car insurance is the minimum level of car insurance a driver needs to carry to operate a vehicle. Essentially, liability-only coverage pays for damages or injuries you cause another person or their property in an at-fault accident. Florida’s minimum requirements include personal injury protection and property damage liability, which means that all Orlando drivers must meet at least those coverage requirements.

Liability insurance in Orlando costs an average of $161 per month. Here are some options for cheap liability-only car insurance in Orlando, based on Insurify data.

The below rates in Orlando, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote
Progressive	$109
Mile Auto	$118
State Farm	$118
Clearcover	$121
GEICO	$134
Dairyland	$138
Embark	$150
Infinity	$152
Mercury	$168
Direct Auto	$169
GAINSCO	$173
The General	$182
Bristol West	$195
Root	$203
Allstate	$205
AssuranceAmerica	$209
National General	$209
Travelers	$243
Mendota	$317
First Acceptance	$331
Liberty Mutual	$331

Disclaimer: Table data sourced from real-time Orlando car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Orlando may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Orlando: State Farm

You may see two basic policies when you’re searching for car insurance: liability-only and full-coverage policies. Insurers may define their full-coverage policies differently, but full-coverage policies generally add comprehensive coverage and collision coverage to a liability-only policy to provide more protection.

Full-coverage policies are optional, but drivers who live in major tourism hubs like Orlando may want to consider this additional coverage.

Orlando drivers pay a monthly average of $239 for full coverage. Here are the cheapest full-coverage car insurance companies in Orlando, based on Insurify data.

The below rates in Orlando, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote
State Farm	$165
Progressive	$184
Mile Auto	$190
Mercury	$225
GEICO	$231
National General	$242
Clearcover	$251
Direct Auto	$255
Bristol West	$273
Allstate	$286
Infinity	$287
The General	$299
Embark	$326
Root	$328
AssuranceAmerica	$329
Travelers	$339
GAINSCO	$351
Liberty Mutual	$375
Dairyland	$390
First Acceptance	$424
Mendota	$432

Disclaimer: Table data sourced from real-time Orlando car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Orlando may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Florida

Florida is a no-fault state, which means that all Orlando drivers must carry personal injury protection insurance (PIP) to pay for damages and injuries no matter who’s at fault for the accident.

When registering a vehicle in Florida, Orlando drivers must have a minimum level of PIP and property damage liability insurance. You must also maintain this coverage as long as your vehicle is registered, no matter how often you drive your car or if it’s broken down.

• 

  Property damage liability

  • $10,000 per accident

• 

  Personal injury protection (PIP)

  • $10,000 per accident

Florida requires state-minimum coverages, but they aren’t the only coverages you may need to feel fully protected on the road. If you need an added level of protection from unexpected events, such as hit-and-runs or storm damage, ask about these optional coverages:

• 

  Comprehensive coverage

  Comprehensive insurance applies to non-collision damages, such as theft, vandalism, fire, severe weather, falling objects, or hitting an animal, such as a deer.

• 

  Collision coverage

  Collision insurance covers your damages if you’re involved in an at-fault accident with another car or object, such as a tree, fence, or light pole. Collision also covers rollover accidents and damage caused by hitting a pothole.

• 

  Uninsured/underinsured motorist coverage

  About 20% of Florida drivers are uninsured, according to the Insurance Research Council — one of the highest rates in the U.S. Uninsured/underinsured motorist coverage protects you if an uninsured or underinsured driver is at fault in an accident and can’t cover your damages.

• 

  Rental car reimbursement coverage

  This pays for a rental car, up to the policy limits, while your vehicle is at a body shop for repairs and you can’t drive it.

Cheapest car insurance for drivers with an incident

Speeding tickets and other moving violations can increase your rates for several years, while a history of at-fault accidents or driving under the influence can cause your insurance company to not renew your policy at the end of the term.^[2]

These incidents may increase rates because you either drove in a way that increases your likelihood of an accident or you were in an incident that caused your insurer to pay for damages or injuries. And if you have a DUI conviction on your record, Florida may require you to file an FR-44 certificate, which increases your state-minimum car insurance requirements for three years.^[1]

Find Car Insurance in Orlando

Monthly rates start at $122 for drivers with an incident

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4.7 out of 5 based on 13,041 reviews

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Cheapest car insurance for drivers with a speeding ticket: Progressive

Orlando has major highways running through and around the city, though many stretches of these roadways may have lower speed limits in more congested areas. For example, Interstate 4 runs across the state at a speed limit between 65 mph and 70 mph, though in downtown Orlando, normal limits range between 50 mph and 55 mph.^[3] [4]

Because speeding is a frequent factor in car crashes, insurers consider speeding a risky behavior.

Orlando drivers who have speeding tickets face average monthly car insurance rates of $187 for liability-only insurance and $277 for full coverage. If you have a speeding ticket in Orlando, here are the cheapest car insurance companies to start your search for affordable insurance.

The below rates in Orlando, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Clean Driving Record	With Speeding Ticket
Progressive	$109	$126
Mile Auto	$118	$139
State Farm	$118	$144
GEICO	$134	$169
Dairyland	$138	$166
Embark	$150	$174
Infinity	$152	$186
Mercury	$168	$227
Direct Auto	$169	$203
GAINSCO	$173	$198
The General	$182	$235
Bristol West	$195	$236
Root	$203	$261
Allstate	$205	$258
AssuranceAmerica	$209	$256
National General	$209	$251
Travelers	$243	$304
Mendota	$317	$368
First Acceptance	$331	$384
Liberty Mutual	$331	$406

Disclaimer: Table data sourced from real-time Orlando car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Orlando may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Progressive

In 2022, Orange County, which includes Orlando, reported 26,263 car crashes to the Florida Highway Patrol. Neighboring counties like Seminole reported 6,177, Lake reported 5,189, and Osceola reported 6,533 — a combined amount fewer than Orange.^[5]

Although some insurers offer accident forgiveness programs for qualified drivers, an at-fault accident will increase your rates more often than not. Remember that you don’t have to hit another driver to be considered in an at-fault accident. At-fault accidents can include damages from hopping a curb or running into a telephone pole.

On average, full coverage costs Orlando drivers with an accident on their records $301 per month; liability is $203 per month. Here are the average monthly rates of insurers that offer coverage to Orlando drivers following an accident.

The below rates in Orlando, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Clean Driving Record	With Accident
Progressive	$109	$137
Mile Auto	$118	$155
State Farm	$118	$152
GEICO	$134	$170
Dairyland	$138	$179
Embark	$150	$189
Infinity	$152	$192
Mercury	$168	$248
Direct Auto	$169	$225
GAINSCO	$173	$216
The General	$182	$245
Bristol West	$195	$251
Root	$203	$265
Allstate	$205	$268
AssuranceAmerica	$209	$271
National General	$209	$271
Travelers	$243	$319
Mendota	$317	$400
First Acceptance	$331	$417
Liberty Mutual	$331	$430

Disclaimer: Table data sourced from real-time Orlando car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Orlando may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Progressive

Florida often has a higher alcohol-impaired driving death rate than the national average.^[6] Getting a DUI in Orlando can cause higher rates for car insurance, result in FR-44 insurance requirements, and cause your insurer to not renew your policy at the end of the policy term.It may also make it difficult to find new coverage. In Florida, a DUI remains on your record for 75 years and can’t be expunged.

Orlando drivers with DUIs face average monthly rates of $339 for full-coverage car insurance and $228 for liability coverage. Still, high-risk drivers in Orlando may be able to find rates lower than the average through the following insurers.

The below rates in Orlando, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Clean Driving Record	With DUI
Progressive	$109	$155
Mile Auto	$118	$171
State Farm	$118	$171
GEICO	$134	$192
Dairyland	$138	$200
Embark	$150	$213
Infinity	$152	$221
Mercury	$168	$254
Direct Auto	$169	$246
GAINSCO	$173	$251
The General	$182	$264
Bristol West	$195	$283
Root	$203	$296
Allstate	$205	$298
AssuranceAmerica	$209	$304
National General	$209	$304
Travelers	$243	$353
Mendota	$317	$450
First Acceptance	$331	$470
Liberty Mutual	$331	$481

Disclaimer: Table data sourced from real-time Orlando car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Orlando may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Mile Auto

About 10% of Orlando’s population are older than 65 and could still be driving.^[7] While rates for car insurance decrease around age 35, the increased potential for diminished driving capabilities often causes insurance rates to rise for drivers in their 70s.

On average, car insurance for senior drivers in Orlando costs $145 per month for a liability-only policy and $215 for full coverage. Even though auto rates generally increase, some insurers offer senior drivers discounts for good driving habits and driving fewer miles than average.

The below rates in Orlando, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Full Coverage	Liability Only
State Farm	$132	$95
Mile Auto	$152	$95
Progressive	$165	$98
Mercury	$183	$137
GEICO	$187	$109
National General	$194	$168
Direct Auto	$210	$139
Infinity	$215	$114
Bristol West	$232	$166
Allstate	$237	$170
The General	$257	$156
AssuranceAmerica	$263	$167
Travelers	$276	$198
Root	$280	$173
Embark	$293	$135
GAINSCO	$304	$150
Liberty Mutual	$320	$282
Dairyland	$336	$119
First Acceptance	$381	$297
Mendota	$388	$285

Disclaimer: Table data sourced from real-time Orlando car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Orlando may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Progressive

Compared to the state average, Orange County has a lower teen death crash rate. More than 800,000 teen drivers are on Florida’s roads, and this age group tends to have a higher rate of fatal crashes across the nation.^[8]

A lack of experience, overconfidence, and distractions increase the likelihood of a crash, which is why teen insurance rates are higher than other age groups. Orlando teenagers pay monthly averages of $413 for full coverage and $278 for liability only. But teens may receive lower rates when staying on a parents’ insurance policy or through discounts eligible for students who maintain good grades.

The below rates in Orlando, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Full Coverage	Liability Only
State Farm	$313	$224
Progressive	$318	$188
Mile Auto	$383	$238
GEICO	$403	$234
Mercury	$407	$304
Bristol West	$476	$340
Direct Auto	$480	$318
National General	$480	$415
The General	$511	$311
Infinity	$523	$277
Root	$552	$342
Allstate	$554	$397
Embark	$564	$259
GAINSCO	$625	$308
Liberty Mutual	$645	$569
Dairyland	$652	$231
AssuranceAmerica	$669	$425
Travelers	$690	$495
First Acceptance	$733	$572
Mendota	$747	$548

Disclaimer: Table data sourced from real-time Orlando car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Orlando may vary based on the policy buyer's unique driver profile.

Orlando car insurance quotes by credit tier

Florida allows insurers to use your credit history to calculate a credit-based insurance score when setting premiums, but only as one of many other factors influencing their underwriting decision.

Even though credit scores aren’t the sole determinant of your rates, most insurers tend to write lower premium rates for drivers with excellent or good credit scores and higher rates for people with poor credit scores.

Is car insurance more expensive in Orlando?

Compared to the Florida state average of $204 per month for a full-coverage policy, Orlando is slightly higher, at $239 per month. Compared to other cities, Orlando tends to be within a 10% variance, including both large cities like Miami and smaller cities like Lakeland.

Many factors influence the cost of car insurance in Florida, including accident frequency and severity, the cost of repairs in your area, vehicle theft and vandalism rates in your ZIP code, and even the vehicle you drive.

More cities in Florida

Orlando has a higher average compared to most Florida cities. Fort Myers and Ocala are much cheaper than Orlando, potentially because of their much smaller populations and less congested highways. Similarly, Tampa may have a higher rate because of more congested roadways and higher accident frequency and severity.

See how rates compare for other Florida cities in the table below.

City	Full Coverage	Liability Only
Fort Lauderdale	$246	$172
Fort Myers	$207	$136
Jacksonville	$220	$141
Lakeland	$213	$129
Miami	$272	$184
Ocala	$200	$128
Pompano Beach	$241	$175
Saint Petersburg	$218	$141
Tampa	$271	$187
West Palm Beach	$245	$179

Disclaimer: Table data is based on real-time Orlando quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Orlando car insurance FAQs