Car Insurance Orlando: Affordable Cheap Rates (2022) - MarketWatch

Insurance rates vary widely among companies, so what's the cheapest car insurance in Orlando, Fla.? We at the Home Media review team will break down average car insurance costs from the most popular providers in Orlando and explain what affects car insurance rates. When you shop for coverage, we recommend comparing free quotes from the best car insurance companies.

Cheapest Car Insurance Orlando

According to our rate averages, Geico, Travelers and State Farm generally offer the cheapest car insurance in Orlando for good drivers. We'll show you rates for state minimum coverage and full coverage and tell you how factors like age and gender influence rates.

Cheapest Liability Car Insurance in Orlando

Drivers in Orlando can typically find the cheapest minimum-coverage insurance from Geico and Travelers, though Geico may be considerably cheaper. Our data shows Geico costs an average of $44 per month or $533 per year for minimum coverage. Travelers averages $81 per month or $970 per year.

Florida requires a minimum of $10,000 in personal injury protection (PIP insurance) and a minimum of $10,000 in property damage liability insurance. The average costs below reflect these car insurance requirements. While some companies are affordable, United Automobile Insurance Co. (UAIC) tends to be the most expensive option at an average of $276 per month or $3,315 per year.

Cheapest Full-coverage Car Insurance in Orlando

Full-coverage insurance includes protection for your car if it's damaged by the environment or you cause an accident. Geico and State Farm are generally the cheapest car insurance companies in Orlando for this type of coverage. Geico costs $146 per month or $1,747 per year on average, and State Farm costs an average of $178 per month or $2,131 per year.

Car Insurance Quotes in Orlando

Not everyone finds the same car insurance rates in Orlando. Costs are based on many factors, including your age, gender and driving history. Let's take a look at how different factors affect car insurance in Orlando.

Cheapest Car Insurance Orlando: Age and Marital Status

Teen drivers and people in their early 20s can expect to pay more for car insurance in Orlando. That's because these age groups have higher rates of accidents and driving violations on average. On the other hand, married drivers often pay less for car insurance.

Our estimates show Geico likely has the cheapest car insurance in Orlando for both a single 24-year-old and a married 35-year-old. Below, you can see how costs from popular Orlando car insurance companies compare.

Cheapest Car Insurance Orlando: Gender

Most of the time, car insurance costs between genders are similar or may vary by a percentage point or two. The cheapest Orlando car insurance for both men and women usually comes from Geico. The table below shows that prices from different companies are similar for both genders.

Cheapest Car Insurance Orlando: High-risk Drivers

Having a speeding ticket or an at-fault accident on your record can raise your car insurance premium significantly. Florida is a no-fault state, which means your PIP insurance pays for your injuries no matter who caused the accident. But that doesn't mean your rates won't rise if you're at fault for an accident.

Negative marks on your driving record usually influence auto insurance rates for three to five years, depending on the type of violation. You could end up paying hundreds or thousands more for car insurance over the years if you have significant marks on your record.

Car Insurance Prices in Orlando: Speeding Ticket

Our rate averages show the cheapest car insurance in Orlando for drivers with a speeding ticket on their records is State Farm. Full coverage from State Farm costs $201 per month or $2,412 per year on average. Travelers is the next most affordable, with average rates of $216 per month or $2,590 per year.

Car Insurance Prices in Orlando: At-fault Accident

According to our data, drivers with one at-fault accident on their records pay an average of about 45% more for car insurance than drivers with clean records in Orlando. Geico tends to be the cheapest option here, with average rates of $192 per month or $2,302 per year.

Car Insurance Prices in Orlando: DUI

Having a DUI on your record will increase your rates significantly and affect your costs for a few years. State Farm is typically the cheapest option for Orlando drivers with a DUI, with average monthly rates of $201 and annual rates of $2,412. Geico, Progressive and Travelers also offer affordable rates, so we recommend comparing more than one carrier.

Average Cost of Car Insurance in Orlando

Car insurance in Orlando isn't cheap compared to insurance in other locations. According to our research, 35-year-old drivers with good records pay an average of about $266 per month or $3,190 per year for car insurance. This is about 84% more expensive than the national average of $1,730 for the same driving profile.

Car Insurance Prices in Orlando: What Affects Them?

Many factors influence car insurance rates in Orlando. You may be able to control some factors — like the vehicle you drive and your credit score — but you can't control other factors, such as your age.

The main factors that affect car insurance rates include:

• Location
• Age
• Driving record
• Credit history
• Gender
• Marital status
• Vehicle

The best ways to get the cheapest car insurance in Orlando are to drive a well-maintained used vehicle, maintain a good credit score and keep a clean driving record. Policyholders can also get more affordable car insurance by lowering their coverage limits or increasing their insurance policy deductibles.

Cheap Car Insurance in Orlando: Conclusion

Car insurance rates in Orlando are considerably higher than the national average. That said, some companies do offer cheap rates. Orlando drivers should shop around and compare car car insurance rates from at least three providers to find affordable policies.

Cheapest Auto Insurance in Orlando: FAQ

Below are frequently asked questions about car insurance in Orlando: