Best Orlando, FL Auto Insurance in 2024 (Find the Top 10 Companies Here)

The best Orlando, FL auto insurance providers are State Farm, Geico, and Allstate. State Farm is our pick for reliable coverage and customer satisfaction, while Geico will give you the lowest rate. Allstate offers local agents who will provide more personalized auto insurance coverage options.

Orlando’s minimum rate is as low as $65/month, and factors like ZIP code and driving record impact cost. All Orlando drivers needing coverage should read this comparison of the top options.

Our Top 10 Company Picks: Best Orlando, FL Auto Insurance

Ready to buy Orlando, FL auto insurance right now? Enter your Orlando ZIP code into our free quote tool to start comparing cheap auto insurance rates in Orlando today.

#1 – State Farm: Top Overall Pick

Pros

• Discounts for Safe Drivers: One way to save on your car insurance in Orlando, Florida, is with State Farm safe-driving discounts.
• Local Customer Support: A large network of Florida agents provides hands-on insurance support for Orlando car owners. For more details, check out our State Farm auto insurance review.
• High-Risk Driver Options: State Farm is a nice option for high-risk drivers because it offers affordable car insurance in Orlando.

Cons

• Limited Coverage Customization: Fewer flexible insurance options in Orlando may not suit all Florida drivers’ needs.
• Average Financial Rating: State Farm’s B rating may concern Orlando insurance customers looking for top-rated stability.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#2 – Geico: Best for Low Rates

Pros

• Affordable Rates: Geico provides the lowest car insurance rates for Orlando drivers on a budget. Please review our Geico auto insurance review for additional information.
• Advanced Online Tools: Online claims and policy management simplify Florida car insurance for tech-savvy Orlando customers.
• Financial Security: Geico’s A++ rating reassures Orlando insurance holders of strong financial backing.

Cons

• Limited Local Agent Support: Orlando residents seeking in-person Florida insurance help may find Geico’s digital focus lacking.
• Higher Rates for High-Risk Drivers: Geico’s best car insurance discounts in Orlando favor low-risk drivers only.

#3 – Allstate: Best for Local Agents

Pros

• Local Agent Availability: An extensive Florida agent network ensures in-person insurance help for Orlando drivers.
• Great Bundling Discounts: Allstate’s 20% bundling discount benefits Orlando residents looking to combine insurance policies.
• Customizable Coverage: Highly flexible options meet Orlando car insurance holders’ unique needs. To gather additional information, please read our Allstate auto insurance review.

Cons

• Higher Premiums: Allstate’s car insurance rates in Orlando are often higher, especially for budget-focused Florida drivers.
• Limited Low-Mileage Discounts: Unlike some Florida rivals, Allstate offers fewer discounts for low-mileage Orlando drivers.

#4 – Progressive: Best for Tight Budgets

Pros

• Affordable Coverage Options: Progressive offers Florida drivers some of the best car insurance prices for Orlando on a budget.
• Usage-Based Discounts: Snapshot program offers safe Orlando driver’s car insurance discounts based on driving habits.
• Flexible Payments: Progressive offers customizable payment schedules for Orlando car insurance customers. Check out our Progressive auto insurance review for more details.

Cons

• Mixed Service Ratings: Orlando residents report varied car insurance service quality, possibly complicating claims in Florida.
• Few Local Agents: Progressive’s limited local presence may frustrate Orlando drivers who prefer in-person insurance service.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#5 – Farmers: Best for Local Expertise

Pros

• Local Expertise: Farmers’ Orlando, Florida, insurance agents can help you find the best coverage for your unique needs with local car insurance.
• Flexible Coverage Options: Farmers offers Orlando drivers extra options like rental and rideshare car insurance. Please read our Farmers auto insurance review for more information.
• High-Risk Area Perks: Car owners involved in some of the greater potential risks in Orlando neighborhoods can breathe easily under farmers’ covers.

Cons

• Higher Premiums: Farmers is also one of the more expensive car insurance carriers for budget-focused drivers in Orlando, Florida.
• Limited Safe Driving Discounts: Fewer insurance discounts may disappoint low-risk drivers in Orlando looking for extra ways to save.

#6 – Liberty Mutual: Best for Comprehensive Options

Pros

• Comprehensive Insurance Choices: Liberty Mutual’s full range of coverage suits Orlando drivers seeking extensive options.
• Bundling Benefits: Florida customers combining policies save up to 18%, which is ideal for Orlando drivers with home and car insurance.
• Streamlined Claims: Liberty Mutual’s 24/7 claims service helps Orlando insurance customers quickly resolve issues. Explore our Liberty Mutual auto insurance review for more insights.

Cons

• Above-Average Rates: Liberty Mutual premiums in Orlando, Florida, are typically higher than some competitors.
• Basic Online Tools: Orlando drivers may find Liberty Mutual’s limited app less helpful for managing Florida car insurance.

#7 – Nationwide: Best for SmartRide Program

Pros

• SmartRide for Safe Drivers: Nationwide rewards safe Orlando drivers with car insurance discounts through this program.
• Strong Financial Stability: Nationwide’s A+ rating assures Orlando, Florida, insurance customers of reliable claims service.
• Bundling Options: Orlando drivers can combine policies to save significantly on car insurance and other coverages. Discover more details in our Nationwide auto insurance review.

Cons

• Few Local Agents: Orlando residents may find limited in-person Florida insurance support compared to other providers.
• Fewer Overall Discounts: Nationwide offers fewer savings options for Orlando insurance customers than many Florida competitors.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#8 – Travelers: Best for Discounts Variety

Pros

• Extensive Discounts: Various car insurance discounts for Orlando drivers include safe driver and multi-car savings.
• High Financial Strength: Travelers’ A++ rating gives Orlando insurance customers confidence in its claim reliability.
• Customizable Policy Choices: Travelers allows Orlando drivers to personalize car insurance policies with add-ons. To find out more, please refer to our Travelers auto insurance review.

Cons

• Limited Mobile App: Orlando customers seeking digital insurance may find Travelers’ app features minimal.
• Moderate Premiums: Travelers’ Orlando car insurance rates are competitive but not the lowest in Florida.

#9 – USAA: Best for Military Drivers

Pros

• Specialized for Military Families: USAA is the best place in Orlando for military families to find customized insurance coverage.
• Top-Rated Customer Service: Orlando drivers can rely on USAA’s highly-rated insurance support and claims assistance. Learn more by reviewing our USAA auto insurance review.
• Military Discounts: Exclusive savings help Orlando’s military families lower car insurance costs through USAA’s programs.

Cons

• Limited Eligibility: Only military families qualify for USAA’s car insurance in Orlando, restricting options for others.
• No Local Agent Network: USAA’s remote service model may disappoint Orlando drivers wanting in-person Florida support.

#10 – The Hartford: Best for AARP Discounts

Pros

• AARP Member Discounts: The Hartford’s specialized car insurance discounts benefit Orlando senior drivers in Florida.
• Accident Forgiveness: First-time accident forgiveness in Orlando prevents premiums from rising after minor mishaps. Check out our The Hartford auto insurance review for more details.
• Strong Financial Rating: An A+ rating gives Orlando insurance holders confidence in The Hartford’s claim-handling ability.

Cons

• Limited Discounts for Younger Drivers: The discounts are geared toward senior drivers and are less appealing to younger Orlando car owners.
• Higher Costs for Comprehensive Coverage: Orlando drivers may find The Hartford’s full insurance premiums costly.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Top Orlando Auto Insurance Rates and Coverage Options

Searching for the right auto insurance coverage in Orlando is like navigating a maze of rates, coverages, and choices. Since many providers offer different levels of coverage, comparing premiums is necessary for the best protection at the lowest price. The table below includes examples of minimum and full coverage monthly rates from some of Orlando’s top insurers.

Orlando, FL Auto Insurance Monthly Rates by Provider & Coverage Level

Comparing these auto insurance rates can help you decide whether you seek basic protection or comprehensive coverage.

Orlando, FL Report Card: Auto Insurance Premiums

Orlando has a range of coverage and reliable providers; therefore, motorists in the area may have to shop around for different coverage options to afford one that is perfect for them. Consider taking advantage of discounts, safe driving habits, and bundling policies to help lower your premiums.

Top Orlando, FL Auto Insurance Discounts

Finding affordable auto insurance can be challenging, especially with many factors impacting rates. Fortunately, many top providers in Orlando, FL, offer various car insurance discounts that can significantly lower your premiums. Here’s a look at the discounts available from the leading auto insurance companies in Orlando to help you save on your coverage.

Auto Insurance Discounts From the Top Providers in Orlando, FL

With these discounts, getting affordable auto insurance in Orlando is more achievable than ever. Unlock savings on your auto insurance in Orlando, FL. That’s almost too easy! With the right discounts, you can lower your premiums dramatically without sacrificing excellent coverage. Here is a quick report card showing the best discounts and the providers offering them.

Orlando, FL Report Card: Auto Insurance Discounts

Whether it is a safe-driving record, a student, or bundling multiple policies, these discounts can make a huge difference in insurance savings. Compare rates among the top providers like State Farm, Geico, and Allstate to get the best deals and savings possible.

Florida’s Auto Insurance Coverage Requirements

Auto insurance is legally required in 49 states, and Florida is no exception. Like every other Florida city or town, Orlando drivers must meet Florida’s state minimum car insurance requirements to drive on the roads lawfully. See the Florida state requirements for auto insurance in the table below.

Florida Minimum Auto Insurance Requirements

As you can see, the state minimum requirements are very basic. Many Orlando drivers purchase a fuller coverage policy, including liability insurance and additional, comprehensive collision protection, to fill those gaps.

State Farm stands out as the best choice for Orlando drivers, offering reliable coverage options that exceed Florida’s basic requirements while remaining affordable.

If you are financing your automobile, you may be required to purchase comprehensive coverage, collision coverage, and the state minimums anyway. But this requirement will come from the dealership, not the state of Florida. You can add uninsured, underinsured, and bodily injury liability coverage to your policy.

Orlando drivers often face higher monthly premiums compared to the average Florida motorist. Top providers like State Farm, Geico, and Allstate consider several key factors when assessing Orlando, Florida, auto insurance quotes.

These include your driving record, age, ZIP code, and whether you have multiple vehicles or drivers on the same policy. By comparing rates and using discounts, you can easily get affordable coverage suited to your requirements.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Top Factors That Drive Orlando Auto Insurance Rates

Some Factors affecting your car insurance premium, like location, accident, theft, and credit scores, are tough or impossible to adjust. However, there are additional elements that insurance providers assess, along with practical tips you can apply to help keep your rates low. Learn how these factors impact your premium and discover ways to save.

ZIP Codes

Where you park your car each night will significantly impact your Orlando, FL, auto insurance rates. Usually, you’ll receive higher rates if you live in a part of a city with higher crime rates or is more densely populated.

Insurance providers charge higher rates to mitigate the extra risk of your vehicle being stolen or of you getting into an accident due to backed-up traffic. According to Data USA, Orlando’s population is 285,705, with 30 different ZIP codes throughout the city. The table below shows if yours is raising its rates.

Orlando, FL Auto Insurance Monthly Rates by ZIP Code

If your ZIP code is 32836, you’re receiving the lowest rates in all of Orlando. However, if your ZIP code is 32818, you receive the highest average rates. The total annual difference between these two ZIP codes is $332 monthly.

Automotive Accidents

If you live in an area with a lot of traffic, the odds are that the crash statistics will be higher as well. Higher crash statistics increase auto insurance rates, allowing insurance providers to mitigate the added driving risks.

Orlando, FL Auto Accident & Insurance Claim Statistics

Auto insurance premiums can only be considered accurately if accidents and claims are analyzed in terms of their frequency.

For cities like Orlando, the number of accidents and claims may significantly affect the nature of their premium. You can make even more informed decisions by consulting the local statistics. Let’s compare Orlando to nearby cities regarding the accident or claim ratio per year.

Orlando, FL Accidents & Claims per Year by City

As you see, Orlando has a much higher number of accidents and claims than its neighboring cities, such as Apopka or Winter Park. That’s going to make your premiums higher. But you can save a little money by comparing insurance quotes and seeking available discounts for coverage in case of an accident.

Auto Thefts

Living in a large city, especially one with a high crime rate, will increase your risk of being a victim of auto theft. If your general location has high theft rates and claims, you can expect to pay more for auto insurance to offset these costs.

According to City Data, the total number of stolen vehicles in Orlando was 1,020 in 2013 and has remained relatively stable. Most drivers don’t realize that basic insurance policies don’t have comprehensive coverage and, therefore, don’t cover auto theft.

You must purchase comprehensive insurance if you want your provider to help cover a stolen vehicle. This added coverage can be expensive. However, by comparing quotes from multiple companies, you can find a provider willing to offer more competitive rates.

Credit Ratings

You may not think about your credit score that often, but your auto insurance company sure does. People with poor credit sometimes pay two to three times more for auto insurance than folks with good credit.

Credit Rating and Monthly Auto Insurance Rates in Orlando, FL

If you live in Orlando and have poor credit, some auto insurance companies could charge you upwards of 75% more for auto insurance. Fortunately, bad credit does not have to last forever. You can slowly improve your score by making your monthly auto insurance payments on time. Pay off any debt you can and avoid taking on extra credit to improve your score faster.

Age

Insurance companies believe that young drivers are at a greater risk on the road, and the difference in monthly premiums reflects this philosophy. Drivers under 25 pay some of the country’s highest rates for auto insurance.

Age and Monthly Auto Insurance Rates in Orlando, FL

If you’re an Orlando teen, expect your rates to be much higher than average. However, you can lower your premium by seeking discount auto insurance options that you can qualify for. Ask about discounts for good students and safe drivers. You might also receive an extra discount for taking a driver’s education class.

Driving Records

Your driving record is another major factor influencing low-cost auto insurance in Orlando, Florida. For minor violations, such as a speeding ticket or a fender bender, your insurance will increase by 18 to 30 percent, depending on the type of violation committed. See the table below for more details about how your driving record impacts your monthly rates.

Driving Record and Monthly Auto Insurance Rates in Orlando, FL

As you can see, safe driving not only saves lives but also saves you hundreds, if not thousands, on your auto insurance premiums. Some companies with accident forgiveness policies may ignore your first accident or minor violations regarding rates.

However, your auto insurance rates could double overnight for more serious violations, such as a DUI. Some major providers might discontinue coverage if you are cited with a DUI or a reckless driving violation.

Vehicle Make and Model

Are you confused about which vehicles are cheaper to insure than others? Typically, vehicles with great safety ratings that are affordable to replace or repair tend to receive the lowest average rates. Conversely, expensive luxury vehicles that entice drivers to speed and are more attractive to thieves receive some of the highest rates.

Monthly Auto Insurance Rates Based on Vehicle Make and Model

This sentiment is reflected in the graph below, which shows that auto insurance for a luxury vehicle is significantly more expensive than a typical sedan. Another reason luxury vehicles cost more to insure on average is the coverage owners usually purchase.

Often, these drivers choose full coverage policies that include more protections than basic policies. Higher coverage, especially in Orlando, will raise rates.

Minor Auto Insurance Factors in Orlando, Florida

We’ve fully discussed the major auto insurance factors that impact your rates. Let’s take a look at some of the less significant factors. Although certain demographics can impact your rates, the variations in cost won’t be as pronounced as the other factors mentioned earlier.

Understanding these factors that affect your auto insurance rates is important because it helps you make informed decisions about your coverage. Read on to discover more!

Gender and Marital Status Affect Auto Insurance Rates

Some companies offer a specific newlywed discount that might be worth asking if you’re recently married and living in Orlando, Florida. But did you know that married couples can also receive major savings on their auto insurance by bundling their policies together?

If you are married, consider combining policies with your spouse so the same company covers all household vehicles. You’ll get some great multi-car discounts. Similarly, if you’re a homeowner, you’ll save even more by bundling your homeowner’s insurance with your auto insurance policies.

Orlando, Florida Auto Insurance Rates by Gender & Marital Status

Gender is another attribute that varies from company to company, like marital status. Some insurance providers charge male drivers one to two percent more, while others quote similar rates for male and female motorists. Men pay more for auto insurance on average because, statistically, men cause more fatal vehicle accidents and are caught driving recklessly more often than women drivers.

However, gender is not as major a factor as it once was. Some states have banned using gender to determine auto insurance rates. While it is still allowed in Florida, the differences in rates are relatively minor.

Coverage Types and Deductibles Affect Auto Insurance Rates

Some drivers want to purchase a fuller coverage policy but are on a budget. The best way to do this is to increase their deductibles. Both collision and comprehensive insurance policies have deductibles.

A deductible is an amount you pay out of pocket before your insurance provider steps in to cover the rest. If you increase your deductible, your monthly rates will decrease. Just be mindful not to increase too much, or else you risk making the added coverage unworthwhile.

Education Level Affects Auto Insurance Rates

It used to be that people with higher education levels received cheaper auto insurance rates; however, these days, this is not always the case. Contrary to some popular beliefs, there is not much evidence to suggest that your profession or annual income influences your monthly insurance payments.

However, some higher education students can qualify for good student discounts. Many Orlando motorists have a high school diploma or some other equivalent. Additionally, there are more drivers in Orlando with bachelor’s degrees than high school dropouts.

If you aren’t already one of the Orlando residents in higher education, becoming one can be a very easy process. Rollins College and the University of Central Florida are four-year colleges where you can get a degree in just about anything, from engineering to performing arts.

How to Find Affordable and Reliable Auto Insurance in Orlando, FL

When searching for auto insurance in Orlando, many kinds of insurance can offer the coverage and budget you want. Perhaps if you filtered for cheap auto insurance in Orlando, FL, you would find all of the basic coverage policies that meet minimum protections for your state, along with all of the discounts.

The simplest way to find affordable car insurance in Orlando, FL, would be the firms specializing in serving their driving operations of Orlando residents. Additionally, rates for car insurance in Orlando, Florida, vary based on such factors as driving history, age, and limits. Orlando drivers can access some of the best car insurance from well-established providers who understand the area’s unique needs.

Many Orlando, FL, car insurance companies are credited with traits such as offering very competitive pricing and a myriad of different policy options, which makes them offer the perfect combination of coverage and affordability to the many drivers in central Florida. The average cost of car insurance in Orlando, FL, depends on personal situations. That is why comparing car insurance quotes in Orlando, FL, is necessary.

Whether you’re looking for cheap car insurance in Orlando, FL, or something with more comprehensive coverage, most Orlando auto insurance companies offer customizable options. From the best cheap car insurance companies in Orlando, FL, to premium providers, comparing policies is the most effective way to unlock discounts and secure the best car insurance in Orlando at a price that fits your budget.

Get personal quotes for Orlando, Florida, auto insurance right now by entering your Florida ZIP code into our free comparison tool below.