Compare Auto Insurance in Orlando
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, and SeaWorld. It's also home to 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. The average cost of auto insurance in Florida is $1,176 per year. The national average price is $889.01.
Prices may vary depending on your driving record, policy limits, coverage, and the total number of insurance claims filed in your zip code.
|Total Cost Per Year||$1,650||$1,922|
|Price Per Month||$137||$160|
|These average rates are based on our sample quote data. 1|
The graph below shows the change in Florida's insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Florida car insurance rates increased from $1,090 in 2011 to $1,140 in 2015, a jump of $94, or 8.68 percent.
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 get the cheapest rates.
Best Car Insurance Companies in Orlando, FL
These are the most common car insurance companies reported by QuoteWizard users in Orlando, Florida last year.
Other popular Orlando car insurance companies: Farmers, MetLife, Travelers,Safeco, Mercury, Country Financial, Hartford, and Florida Farm Bureau.
Top 10 Vehicles
These are the most common car makes and models owned by Orlando, FL drivers requesting quotes through QuoteWizard last year.
- Honda Accord LX/EX
- Ford F150
- Honda Civic LX/EX
- Nissan Altima 2.5 S
- Toyota Camry LE/XLE/SE
- Ford Mustang
- Ford Explorer
- Hyundai Sonata GLS
- Toyota Corolla CE/LE/S
- Chevrolet Impala
Minimum Car Insurance Requirements in Orlando, FL
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.
A recent report published by Allstate Insurance shows that Orlando, Florida 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.
Several factors that affect insurance rates are the weather, driving, and road conditions.
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.
According to TRIP, the pavement conditions in Orlando aren't great, but could be worse. TRIP reports that 21 percent of the major roads in Orlando are in poor condition. And another 6 percent rated mediocre costing area drivers $383 a year in extra vehicle operating costs.
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 including speeding tickets and accidents can give you a bad driving record. When you get a moving violation it can go on your driving record for up to three years. If you get too many tickets in this period, your insurer may change your status from preferred to non-standard. If that happens you could be required to purchase an expensive high risk car insurance policy.
The Orange County Clerk of Courts website allows you to pay traffic citations and search their records database.
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.
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.
Car Insurance Discounts
Are you looking for affordable car insurance? Discounts are one of the best ways for to lower your rates. These are some of the many auto insurance discounts available in Orlando, FL.
- Most Orlando households have two cars. Many insurers companies offer a multi-car discount.
- A large portion of Orlando’s population is 55 or over. You can qualify for a senior or retiree discount if you’re in this range.
- Don’t forget about bundling! Buying multiple policies (like home, auto, life, or renters) from one insurance company can cut 15 percent off your rates.
- Paying for a year of insurance up front instead of in monthly installments can save you a good chunk of money.
- Our study found that Orlando is one of best driving cities in the country. If your one of Orlando’s great drivers, you may qualify for an accident free discount.
1 We compared rates from three different insurance companies for 30-year-old male and female drivers with a 2010 Honda Accord. Our rate profiles have a clean driving record and drive less than 10,000 annual miles. Coverage includes state liability minimum of 25/50/10 and 25/50/10 underinsured motorist coverage. Policies also include $10,000 personal injury protection and a $500 comprehensive and collision deductible.
- City of Orlando Florida
- Orange County Florida Clerk of Courts
- Orlando Florida Crime Rates
- United States Census Bureau - Orlando, FL
- National Highway Traffic Safety Administration
- TRIP Urban Roads Report Appendices
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