Best Auto Insurance Rates in Orlando, Florida

On average your neighbors pay $149 a month.

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Compare Auto Insurance Quotes in Orlando, FL

The “Theme Park Capital of the World” has world-famous tourist attractions that make it one of the most visited cities in America every year. Orlando, Florida is home to the Walt Disney World Resort, the Universal Orlando Resort, SeaWorld, and the second-largest university campus in the US, the University of Central Florida. Whether you’re an Orlando resident, or just visiting, you’ll need affordable car insurance.

Average Orlando Car Insurance Rates

How much is car insurance in Orlando, FL? Despite recent driving safety improvements, motorists here have a long way to go. Until then, the average cost of car insurance in Orlando will remain higher than both the state and national average.

On average, car insurance in Orlando costs $1,650 a year for men and $1,922 for women which is quite a bit more than the $1,140.84 per year paid for average auto insurance in Florida. The national average is $866.31.

Prices may vary depending on your driving record, policy limits, coverage, and the total number of insurance claims filed in your zip code.

Orlando, FL Average Annual Car Insurance Rates
Coverage Men Women
Liability $1,158 $1,419
Collision $380 $400
Comprehensive $111 $103
Total Cost Per Year $1,650 $1,922
Price Per Month $137 $160
Methodology: We compared rates from three different insurance companies for single 30-year-old male and female drivers renting in Orlando owning a 2010 Honda Accord. Our rate profiles defined males and females who are currently insured, clean driving record and drive less than 10,000 annual miles. Coverage includes Florida state liability minimum of $10,000/$20,000/$10,000 and 10/20/10 underinsured motorist coverage with $10,000 personal injury protection and a $500 comprehensive and collision deductible.

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Orlando, Florida and save up to 40% on your premium.

Last year, 23,557 people used QuoteWizard to compare car insurance quotes in Orlando, FL from multiple companies and find the cheapest rates.

Top 10 Vehicles in Orlando

The are the most common car makes and models owned by Orlando drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord LX/EX
  2. Ford F150
  3. Honda Civic LX/EX
  4. Nissan Altima 2.5 S
  5. Toyota Camry LE/XLE/SE
  6. Ford Mustang
  7. Ford Explorer
  8. Hyundai Sonata GLS
  9. Toyota Corolla CE/LE/S
  10. Chevrolet Impala
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in Orlando

This is our list of the most common car insurance companies reported by QuoteWizard users in Orlando, FL last year.

Other popular Orlando, Florida car insurance companies: Farmers, MetLife, Travelers ,Safeco, Mercury, Country Financial, Hartford, and Florida Farm Bureau.

Orlando Drivers

According to a recent report published by Allstate Insurance when it comes to safe driving, Orlando, Floroda drivers are worse than those in most major US cities. Orlando ranked 76th out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 9 years.

Orlando drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Several factors that affect insurance rates are the weather, driving, and road conditions.

Weather

Weather in Orlando, FL offers a little of everything. Summers are hot, humid and wet with daily thunderstorms. Winters are cool and dry with an occasional cold snap that sends temperatures well below freezing. Snow is uncommon because most freezes occur when it's dry. Precipitation averages 50.73 inches a year with most falling between June and September leaving the rest of the year relatively dry.

Road Conditions

According to TRIP, the pavement conditions in Orlando aren't great, but could be worse. TRIP reports that 8% of the major roads in Orlando are in poor condition with another 33% rated mediocre costing area drivers $292 a year in extra vehicle operating costs.

Traffic Congestion

According to TomTom's annual traffic index report, Orlando has the 16th worst traffic congestion in the United States. An average commuter spends an additional 24 minutes per hour stuck in traffic during peak commute times and 91 hours a year for commutes of 30 minutes.

Moving Violations

Moving violations such as speeding tickets, accidents, running red lights, and drunk driving can give you a bad driving record. If that happens you could be required to purchase high risk car insurance for bad drivers.

Traffic Tickets

The Orange County Clerk of Courts website allows you to pay traffic citations and search their records database.

Red Light Cameras

Orlando has numerous intersections equipped with red light cameras as part of its Orlando Stops program. This document lists red light camera locations around the city, and this web page provides information about the Orlando Stops program including and FAQ and how to pay red light citations

Exercise additional caution when driving around any of the intersections in the list. If a stoplight is about to turn red in any intersection, whether it’s equipped with a red light camera or not, don’t try to speed through and beat the light. It’s much better to wait one more light cycle than to risk a collision.

Orlando DUI Arrests

Orlando police arrested 507 drivers for suspicion of driving under the influence (DUI) in 2014.

SR-22 or FR-44 DUI Insurance

A DUI conviction may require you to obtain an SR-22 or FR-44 form. Request a quote and we'll connect you with local agents from top companies that specialize in Orlando DUI insurance.

Car Accident Statistics

Orlando Police reported 7,955 vehicle crashes in 2016 resulting in 5,408 injuries. This was an decrease from the 8,254 crashes reported in 2016.

Traffic Fatalities

Orlando reported 29 deaths in motor vehicle crashes in 2016. This was a slight decrease from the 33 fatalities recorded in 2015.

Vehicle Theft Rates

Orlando Police reported 1,196 vehicle thefts in 2016. This is a rate of 4.41 per 1,000 residents.

Legal Minimum Insurance Requirements

Orlando, Florida has a minimum liability coverage requirement known as the 10/20/10 rule. This means each policy must include at least the following three components:

  • Property Damage Liability (PDL): $10,000.
    The most your insurance company will pay for property damage caused by a car accident.
  • Personal Injury Protection (PIP): $10,000.
    Also called Florida No Fault Insurance. The maximum your insurance company will pay for injuries sustained in a car accident regardless of who is at fault.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways for to lower your insurance rates. These are some of the many auto insurance discounts available in Orlando depending on your carrier. Find out which discounts you may qualify for with your current or multiple insurance companies for by getting a free quote.

  1. Bundle your policies. Bundling your auto policy with your homeowners or renters with one insurance company can save you up to 15%
  2. If you're 55 or over you may be able to get the senior discount or the 55 and retired discount
  3. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  4. Getting a new car to qualify for the new car discount.
  5. Keep your driving record clean with no accidents or tickets and you might qualify for the safe driver or accident free discount
  6. Live in a safe Orlando neighborhood with low crime. The residents of high crime neighborhoods file more insurance claims. This eventually leads to higher rates for everyone in the zip code
  7. Install anti-theft devices or an alarm system in your car
  8. Get married. Some insurers offer a discount to married drivers
  9. Maintain at least a B grade point average on school to qualify for the good student discount
  10. Shop around and compare low-cost Orlando car insurance quotes and discover every discount you qualify for

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