Key Takeaways
- GEICO has the best rates in Orlando, charging $145 a month for full coverage and $31 a month for minimum coverage.
- On average, Orlando drivers pay $297 a month for full coverage — that’s much more than the national average of $162.
- State Farm is the cheapest company for drivers with an incident on their records.
In this article
The cheapest car insurance companies in Orlando, FL
Overall, GEICO has the lowest rates for most Orlando drivers. The provider leads the way for:
- Full and minimum coverage
- Drivers with bad credit
- Young drivers
- Married drivers
GEICO may be the cheapest car insurance company for you, but it also might be a different company. This is because rates are based on several factors, including where you live, the car you drive and your driving record.
To get your cheapest rate, compare car insurance quotes from a number of companies.
Florida car insurance state minimums
Florida requires all drivers to carry insurance for personal injury protection (PIP) and property damage liability (PDL). Those state-mandated minimums are as follows:
| Coverage type | State requirements |
|---|---|
| Personal injury protection | $10,000 |
| Property damage liability | $10,000 |
Cheapest minimum-coverage auto insurance rates in Orlando: GEICO
GEICO has the most affordable minimum-coverage auto insurance rates in Orlando, with costs averaging $31 a month.
Citywide, the average rate for minimum-coverage car insurance is $121 a month, meaning GEICO offers a discount of nearly 75%.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $31 |
| State Farm | $67 |
| Travelers | $86 |
| Progressive | $128 |
| USAA* | $178 |
| Allstate | $237 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
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Cheapest full-coverage auto insurance rates in Orlando: GEICO
GEICO leads the way for full-coverage auto insurance, offering Orlando’s cheapest monthly premium of $145.
The average driver in Orlando pays $297 a month for full-coverage car insurance, so GEICO’s rates are over 50% lower.
Full-coverage car insurance typically features the state-required minimum coverage plus collision and comprehensive coverages. No state requires full coverage, but it’s never a bad idea for those with new or especially expensive vehicles.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $145 |
| State Farm | $163 |
| Travelers | $212 |
| Progressive | $302 |
| USAA* | $345 |
| Allstate | $615 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Cheapest car insurance in Orlando for drivers with bad credit: GEICO
Drivers with bad credit should head to GEICO for cheap car insurance. There, they’ll find a city-leading rate of $270 a month for a full-coverage policy.
In Orlando, the average rate for drivers with bad credit is $520 a month, way above what it is for those with good credit. This is because drivers with bad credit are often seen by insurance companies as a bigger risk.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $270 |
| USAA* | $345 |
| State Farm | $357 |
| Travelers | $462 |
| Progressive | $464 |
| Allstate | $1,223 |
| Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for drivers with a prior incident
For Orlando drivers with a prior incident like a DUI, at-fault accident or speeding ticket on their records, State Farm is the most affordable car insurance company.
Cheapest for drivers with a speeding ticket: State Farm
State Farm offers the cheapest car insurance to drivers with a speeding ticket, offering an average monthly rate of $175.
Drivers with speeding tickets often see increased rates, as is the case in Orlando. Nationwide, those with a speeding ticket on their record pay 20% more than those with a clean record.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $175 |
| GEICO | $257 |
| Travelers | $266 |
| USAA* | $345 |
| Progressive | $436 |
| Allstate | $615 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. *Only available to current/former military and their families. | |
Cheapest for drivers with an at-fault accident: State Farm
Drivers with an at-fault accident will find the cheapest car insurance rates at State Farm, which charges an average of $188 a month. This is for full coverage; if you buy minimum coverage instead, you’ll pay even less.
According to our data, drivers with an accident see their rates increase by an average of 45%.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $188 |
| GEICO | $211 |
| Travelers | $282 |
| USAA* | $451 |
| Progressive | $463 |
| Allstate | $1,107 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. *Only available to current/former military and their families. | |
Cheapest for drivers with a DUI: State Farm
State Farm also has the cheapest car insurance rate in Orlando for drivers with a DUI. For full coverage, the company charges $175 a month, on average.
Drivers with a DUI typically see significantly higher car insurance rates. In Orlando, the average cost for a driver with a DUI is $421 a month — over $100 more than the average for those with a clean record.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $175 |
| GEICO | $265 |
| Travelers | $325 |
| Progressive | $365 |
| USAA* | $605 |
| Allstate | $789 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. *Only available to current/former military and their families. | |
Get cheap car insurance in Orlando, Florida
Cheapest car insurance for senior drivers: GEICO
Senior drivers looking for cheap car insurance should head to GEICO, where the average monthly rate is just $130.
On average, seniors pay less for car insurance than their younger counterparts. This is true in Orlando, where the average senior driver pays around $30 less per month than a 35-year-old.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $130 |
| State Farm | $150 |
| Travelers | $179 |
| Progressive | $268 |
| USAA* | $296 |
| Allstate | $572 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for young drivers: GEICO
GEICO also offers Orlando’s cheapest car insurance for young drivers, offering minimum coverage for $72 a month and full coverage for $409 a month.
In Orlando, an 18-year-old driver costs $822 a month to insure — almost three times as much as the typical cost for a 35-year-old.
| Insurance company | Minimum coverage | Full coverage |
|---|---|---|
| GEICO | $72 | $409 |
| State Farm | $131 | $421 |
| Travelers | $158 | $558 |
| Progressive | $245 | $768 |
| USAA* | $364 | $741 |
| Allstate | $443 | $2,032 |
| Rates are for an 18-year-old male with a clean driving record. *Only available to current/former military and their families. | ||
Cheapest car insurance for married drivers: GEICO
Married drivers will find the lowest car insurance rates from GEICO, which charges $155 a month for full coverage.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $155 |
| State Farm | $163 |
| Travelers | $212 |
| Progressive | $250 |
| USAA* | $314 |
| Allstate | $650 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Car insurance laws in Florida
No-fault car insurance
Florida is classified as a no-fault car insurance state. After an accident, all drivers file a claim with their insurance company, regardless of who was at fault.
Financial Responsibility Insurance Certificate (SR-22)
Florida, like most states, only requires a Financial Responsibility Insurance Certificate (or SR-22) form for certain drivers who are returning from a license suspension or revocation.
Orlando car insurance: FAQs
GEICO has the cheapest car insurance in Orlando. The company charges $145 a month for full coverage and $31 a month for minimum coverage.
On average, full-coverage car insurance in Orlando costs $297 a month. The average cost for minimum coverage is $121 a month.
State Farm offers the cheapest car insurance to Orlando drivers with an at-fault record, charging an average monthly rate of $188.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Orlando, Florida.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full-coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: $100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
Sources:
Auto insurance by city
- Jacksonville
- Miami
- Orlando
- Tampa
- St Petersburg
- Fort Myers
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