GEICO has the cheapest car insurance in Orlando for most drivers. We found GEICO to have the cheapest minimum- and full-coverage car insurance rates for the average Orlando driver, at $73 a month and $128 a month, respectively. GEICO also has the cheapest car insurance for teens and seniors. State Farm offers the cheapest quotes if you have incidents like DUIs or speeding tickets on your driving record.
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Cheapest car insurance in Orlando
GEICO is the best company for cheap car insurance in Orlando, offering minimum-coverage policies at an average of $73 a month.
State Farm also offers Orlando drivers affordable minimum-coverage car insurance, with an average quote of $135 a month.
| Company | Monthly rate |
|---|---|
| GEICO | $73 |
| State Farm | $135 |
| Progressive | $240 |
| Allstate | $345 |
| City average | $198 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Minimum-coverage auto insurance satisfies state requirements for liability coverage, which pays for injuries and property damage you may cause to others. It does not cover your own medical bills or repair costs.
GEICO is the cheapest car insurance company in Orlando for full-coverage policies, too, offering them at an average of $128 a month.
Get a quote from State Farm, too, while shopping for coverage in the City Beautiful. Its average full-coverage car insurance rate is $206 a month.
| Company | Monthly rate |
|---|---|
| GEICO | $128 |
| State Farm | $206 |
| Progressive | $358 |
| Allstate | $588 |
| City average | $320 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Full-coverage car insurance includes collision and comprehensive coverages as well as liability coverage. We recommend full coverage to drivers who have newer or expensive vehicles. You may need to buy it if you finance or lease your vehicle.
Get cheap car insurance in Orlando, Florida
Cheap car insurance in Orlando by driving record
State Farm is the best place in Orlando to find cheap car insurance after a DUI or speeding ticket, according to our research. GEICO has the cheapest rates for drivers after an accident.
State Farm’s average rate for Orlando drivers with a DUI on their records is $224 a month. This is $190 a month lower than the city average ($414) for such coverage.
| Company | Monthly rate |
|---|---|
| State Farm | $224 |
| GEICO | $252 |
| Progressive | $436 |
| Allstate | $747 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
GEICO’s average rate for drivers in Orlando with an accident on their records is $195 a month. The city average here is $484 a month, which means GEICO tends to charge less than half the city average.
State Farm is another company to consider, though, if you’re looking for cheap auto insurance after an accident thanks to its low average quote of $242 a month.
| Company | Monthly rate |
|---|---|
| GEICO | $195 |
| State Farm | $242 |
| Progressive | $565 |
| Allstate | $935 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
For cheap auto insurance after a speeding ticket in Orlando, compare quotes from State Farm and GEICO at the very least. State Farm offers the cheapest rate in this situation at $224 a month, but GEICO’s average rate of $243 a month isn’t far behind.
Both are far below the city’s average rate of $396 a month for drivers with a speeding ticket on their records.
| Company | Monthly rate |
|---|---|
| State Farm | $224 |
| GEICO | $243 |
| Progressive | $529 |
| Allstate | $588 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Where can I get cheap car insurance in Orlando for teen drivers?
Orlando teens looking for cheap car insurance policies should start their search with GEICO, which offers an average quote of $209 a month for minimum coverage.
GEICO also offers the cheapest car insurance rates for teens in Orlando who want full-coverage policies at an average of $405 a month.
| Company | Monthly rate |
|---|---|
| GEICO | $209 |
| State Farm | $354 |
| Progressive | $612 |
| Allstate | $756 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
State Farm provides affordable auto insurance to Orlando teens, too, with average monthly rates of $354 and $606 for minimum and full coverage, respectively.
| Company | Monthly rate |
|---|---|
| GEICO | $405 |
| State Farm | $606 |
| Progressive | $1,040 |
| Allstate | $1,791 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
The city averages for teen drivers are $483 a month for minimum coverage and $960 a month for full coverage, so you may be able to save a lot of money on your car insurance premiums with State Farm or GEICO.
Where can I get cheap car insurance in Orlando for senior drivers?
GEICO and State Farm are the cheapest car insurance providers in Orlando for senior drivers. Both offer average quotes that are far lower than the city averages for minimum and full coverage.
GEICO’s average rate of $64 a month for minimum-coverage car insurance is less than half the city average of $175 a month.
Orlando seniors shouldn’t ignore State Farm, though, which has an average rate of $123 a month. While this is nearly twice GEICO’s average, State Farm still could be your cheapest option. Insurance companies consider several factors when calculating a premium, including your age, where you live, the vehicle you drive and more.
| Company | Monthly rate |
|---|---|
| GEICO | $64 |
| State Farm | $123 |
| Progressive | $207 |
| Allstate | $309 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
GEICO also offers the cheapest car insurance rate to Orlando seniors who want full-coverage policies at an average of $117 a month. State Farm is worth considering here, too, with its average monthly rate of $189.
| Company | Monthly rate |
|---|---|
| GEICO | $117 |
| State Farm | $189 |
| Progressive | $325 |
| Allstate | $547 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
The city average rate for senior drivers who want full coverage is $294 a month, which is more than double GEICO’s average rate.
Compare rates from top car insurance providers
What are Orlando’s car insurance requirements?
Florida law requires Orlando drivers to have at least $10,000 in personal injury protection (PIP) coverage and at least $10,000 in property damage liability (PDL) coverage.
Frequently asked questions about Orlando car insurance
How much is car insurance in Orlando, Florida?
Car insurance costs $198 a month, on average, in Orlando for people who buy minimum-coverage policies. Full-coverage car insurance in Orlando costs an average of $320 a month.
You may pay more or less than these amounts if you have incidents like DUIs or accidents on your driving record. You’ll also pay higher rates if you’re a teen or inexperienced driver, while you should pay lower rates if you’re an older driver with a clean record.
Is car insurance in Orlando expensive?
Yes, car insurance in Orlando is expensive and costs more than it does in most cities. Orlando isn’t the most expensive city in the U.S. for car insurance, though. Drivers in other cities, like New York City, pay even higher rates than their counterparts in Orlando do.
For example, minimum-coverage car insurance costs an average of $208 a month in New York City, while Orlando’s average is $198. The average cost of full-coverage car insurance in NYC is $361 a month; in Orlando, it’s $320.
Is Florida a no-fault state?
Yes, Florida is a no-fault insurance state. Because of this, it requires motorists to buy and carry PIP coverage and restricts an injured party’s right to sue an at-fault driver after an accident.
Do you need car insurance in Florida?
Yes, you need a certain amount of car insurance to drive legally in Florida. The minimum required amounts in this case are $10,000 of PIP and $10,000 of PDL.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Orlando ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Florida’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
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