The suburban Orlando ZIP code 32818 is the most expensive place in the Orlando metropolitan area for Florida car insurance, about $420 more than the cost of the cheapest, according to an analysis of rates from six car insurance companies.
The wide range in rates from different insurers for the same driver in the same car in the same ZIP code shows why it's prudent to compare car insurance companies. For example, the highest rate from any carrier for ZIP 32818 in our analysis was $2,092 -- 147 percent more than the lowest ($845).
To see how Orlando car insurance rates compare, use our average rates tool below. Enter a ZIP code and it will show the average rate, as well as the highest and lowest, for your location.
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CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages for the default result are based on insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage.
Averages for customized rates are based on drivers ages 20, 30, 40, 50, 60 and 70 for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes.
Your own rate will depend on your personal factors and vehicle.
State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.
Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.
Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
The average rate of $1,539 in Orlando’s Hiawassee satellite ZIP code 32818 is the highest in the seven-county metro area. The Orlando-Deltona-Daytona Beach region is called at Combined Statistical Area by the Census. The least expensive ZIP in the Orlando metropolitan area was Lady Lake ZIP code 32159 in Lake County at $1,122.
Orlando car insurance rates
You’ll see in the chart below the top 10 most expensive ZIP codes for car insurance in Orlando, and how much you can overpay if you don’t compare rates.
Most expensive Orlando car insurance rates
*Methodology for rates by ZIP code:
CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2014 Honda Accord for more than 30,000 ZIP codes in the United States using six large carriers -- Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where an insurer’s rate wasn’t available, another major carrier's rate was substituted.) Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
Here's how Orlando’s highest average rate ($1,539) for ZIP code 32818 compares to others:
$461 more than the least expensive average rate ($1,078) in Florida, Waldo ZIP code 32694
$137 more than the state average ($1,402)
$308 more than the national average rate ($1,231)
Here’s how the average rates compare across counties the Census considers part of the Orlando area:
Here’s what the same driver would pay in the costliest ZIP codes in other large Florida cities:
Hialeah ZIP code 33010: $2,248
Miami ZIP code 33142: $2,248
Tampa ZIP code 33603: $2,001
Saint Petersburg ZIP code 33705: $1,579
Jacksonville ZIP code 32210: $1,360
Tallahassee ZIP code32305: $1,136
Orlando car insurance requirements
Florida state law requires the following minimum car insurance coverage:
Minimum bodily injury liability
Minimum property damage liability
*Bodily injury liability not required by state; many carriers require $10,000/$20,000
Cheapest car insurance in Orlando
If you want just enough coverage to be legal on the road, buy the lowest amount of liability insurance your insurer offers. That’s the cheapest policy you can buy. Florida car insurance laws mandate that you must have a car insurance policy covering $10,000 in property damage liability and $10,000 in personal injury protection (PIP):
$10,000 in PIP covers you, your passengers and other authorized drivers of your car who are injured while in your insured vehicle
$10,000 for damage you cause to others’ cars and property
Bodily injury liability not required, but recommended
Florida car insurance laws don’t stipulate that you carry bodily injury liability insurance, which pays for injuries others get from an accident you cause. However, many car insurance companies do require it to be part of any policy they sell in the state. That’s because Florida is a no-fault state. Treatment for any injuries you suffer is covered by your personal injury protection, up to its limit. This is regardless of who caused the accident. If bills exceed that limit, the at-fault driver is legally personally responsible unless he or she has bought bodily injury liability coverage.
If you buy bodily injury liability coverage, the smallest amount you can buy is $10,000 per person (up to $20,000 per accident).
If you buy the minimum liability insurance required under Florida law, plus bodily injury as required by most insurers, here is what it will cost you, on average, per year, for Orlando ZIP code 32789 for a driver at following ages:
The state average rate for a year of minimum coverage (with bodily injury amounts most insurers require) is $1,058, according to our rate analysis. If you increased your coverage to $50,000 worth of liability coverage for others’ medical bills, up to $100,000 for an accident, with $50,000 to pay for others’ property damage (50/100/50), you would pay just $313 more.
Best car insurance in Orlando
The least expensive coverage isn’t always sufficient for every scenario. Even a minor accident can put your savings and home in jeopardy if you have just the state required minimum of insurance. To protect your assets, you should buy liability insurance in the following amounts:
$100,000 to pay for others’ medical bills
$300,000 to pay for injuries to others in an accident you cause
$100,000 to pay for damage to others’ property
You should also consider buying these optional coverages:
Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
Collision, which pays for damage to your car from accidents.
Comprehensive insurance and collision coverage are typically very affordable and a wise idea if you have a newer car. That’s because these coverages pay out up to the actual cash value of your car. In Florida, comprehensive costs $107 and collision costs $242, on average per year, for drivers, according to the Insurance Information Institute. Unlike liability insurance, these optional coverages come with a deductible. That’s the amount you pay before your insurance goes into effect. You select a deductible amount when you buy coverage. Common deductibles amounts are $1,000, $500 and $250. The lower your deductible is, the higher your rate will be.
Orlando ZIP code 32789 car insurance rates for coverage recommendations
With $1,000 deductible
With $500 deductible
With $250 deductible
*Average rate of six insurance carriers for a 2015 Honda Accord LX, from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. Data was provided for CarInsurance.com by Quadrant Information Services.
Driving in Orlando
Traffic in Orlando: As with many larger cities, traffic can be congested, especially during rush hour, but Orlando did not make a list of the worst U.S. cities for traffic recently reported by USA Today.
Car crashes: Major accidents have resulted in an average of 30 deaths a year in recent years (2012-2014).
Commuting: The average commute lasts 24.7 minutes.
Public transportation: The U.S. Census Bureau says that the majority of riders in Orlando who commute to work by public transportation are white (about 12 percent), Hispanic (about 30 percent) and black (about 59 percent). The bureau notes that commuting is the main reason people use mass transit.
High Occupancy Vehicle rules: The HOV lane, also known as the carpool or diamond lane, is designed to reduce traffic congestion and promote ride-sharing on freeways. In Florida, only vehicles with at least two people, mass transit vehicles like buses, and motorcycles are allowed to use the lanes. Use may be restricted during specified hours.
Bad intersection: The intersection of Semoran Boulevard and Old Cheney Highway is recognized as one of the worst in Orlando.
The information was gathered from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A&M Transportation Institute, the Insurance Institute for Highway Safety, state transportation departments and city police departments.