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Orlando Car Insurance

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Orlando car insurance

The Orlando ZIP code 32811 is the most expensive place in the city for Florida car insurance, about $390 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 32811 in our analysis was $2,946 -- $1,816 more than the lowest ($1,130).

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 for six age groups and three different coverage levels.

Orlando Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.

Invalid ZIP code or data not available
MOST & LEAST EXPENSIVE ZIP CODES in Florida
HIGHEST RATE PER MONTH:
  • 33135- CORAL GABLES: $212
  • 33136- MIAMI: $211
  • 33147- BROWNSVILLE: $211
  • 33142- BROWNSVILLE: $211
LOWEST RATE PER MONTH:
  • 32455- BRUCE: $53
  • 32425- BONIFAY: $53
  • 32464- PONCE DE LEON: $53
  • 32427- CARYVILLE: $53


 

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

 

ZIP CodeAverage rateHighest rateLowest
32811$2,087$2,946$1,130
32835$1,820$2,871$1,130
32827$1,771$2,676$1,130
32885$1,749$2,729$1,130
32886$1,749$2,729$1,130
32887$1,749$2,729$1,130
32891$1,749$2,729$1,130
32896$1,749$2,729$1,130
32897$1,749$2,729$1,130
32816$1,736$2,455$1,130

*Methodology for rates by ZIP code:

CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2016 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 100/300/100 ($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. 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 hightest average rate ($2,087) for ZIP code 32811 compares to others:

  • $644 more than the least expensive average rate ($1,443) in Florida, Fanning Springs ZIP code 32693
  • $264 more than the state average ($1,823)
  • $732 more than the national average rate ($1,355)

Orlando car insurance requirements

Florida state law requires the following minimum car insurance coverage:
Minimum bodily injury liability$10,000
Minimum property damage liability$10,000
*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).

Drivers in Florida pay, on average, $884 for a year of minimum coverage (with bodily injury amounts most insurers require), according to our rate analysis. You'd pay just $78 more a month, or $939 a year, if you hiked your protection to full coverage limits of 100/300/100.  If you increased your coverage to only 50/100/50 you would pay just $46 a year more, about $4 a month.

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.

Cheap car insurance companies in Orlando


The chart below shows how auto insurance companies in the city rank on price.

CompanyState minimum
Geico$413
Progressive$650
State Farm$671
Allstate$1,221
Company50/100/50
Geico$549
Progressive$741
State Farm$841
Allstate$1,398
Company100/300/100
Geico$1,130
State Farm$1,506
Progressive$1,754
Allstate$2,629

 

How much insurance goes up for common traffic tickets in Orlando

There are many reasons an insurer may increase your auto rates. Traffic tickets can raise your rates significant depending on the severity of the charge.

The increase can stay on your auto insurance for five years. The exact number of years depends on the insurance company and state laws.

Serious charges, such as DUIs, often stay on your driving record longer than a minor offense, such as speeding.

Here’s how much more you’ll pay, on average, for the following traffic violations.

ViolationAnnual average rateRate after violationDollar increasePercent increase
DUI/DWI third offense$2,061$6,027$3,965192%
DUI/DWI second offense

$2,061

$4,625$2,563124%

2 At-fault property damage accident over $2k

$2,061

$3,993$1,93194%

Hit and run - injury or property damage

$2,061

$3,417$1,35666%

Reckless driving

$2,061

$3,417$1,35666%

DUI/DWI first offense

$2,061

$3,326$1,26561%

Operating a vehicle in a race (highway racing)

$2,061

$3,305$1,24460%

2 speeding tickets 11 mph or over

$2,061

$3,043$98248%

Speeding 30+ over limit

$2,061

$3,042$98048%

Careless driving

$2,061

$2,830$76837%

Speeding ticket 16-29 MPH over limit

$2,061

$2,680$61930%

Failure to stop or yield

$2,061

$2,603$54226%

Improper turn

$2,061

$2,603$54226%

Improper/illegal pass

$2,061

$2,603$54226%

Speeding ticket less than 15 mph over speed limit

$2,061

$2,603$54226%

Following too closely

$2,061

$2,603$54226%

Methodology:

CarInsurance.com commissioned Quadrant Information Services in 2019 to field rates from up to six major insurers for 10 ZIP codes in the city for the following driver profile: male, age 40, good credit, clean driver record, driving 2017 Honda accord. We compared the clean record driver rate to the rate for various tickets and accident claims to get the average percentage and dollar increase, for the coverage level of 100/300/50; with comprehensive and collision and $500 deductible. These are estimates; your actual rate will depend on your personal rating factors.

 

How much will my insurance increase after an accident in Orlando?

Getting into a car accident can increase your car insurance costs. You can expect a huge rate hike if you get into multiple expensive accidents.

Your policy will influence the increase. Some insurers provide accident-forgiveness. These policies don’t increase your rates after the first accident.

Here’s how accidents will increase your rates on average.

AccidentAnnual rateRate after claimDollar increasePercent increase

2 At-fault property damage accident over $2k

$2,061

$3,993$1,93194%

Hit and run - injury or property damage

$2,061

$3,417$1,35666%

At-fault bodily injury accident

$2,061

$2,776$71535%

1 At-fault property damage accident

$2,061

$2,700$63831%

Methodology:

CarInsurance.com commissioned Quadrant Information Services in 2019 to field rates from up to six major insurers for 10 ZIP codes in the city for the following driver profile: male, age 40, good credit, clean driver record, driving 2017 Honda accord. We then averaged rates by company for each city for the following coverage level: 100/300/50, with comprehensive and collision and a $500 deductible. These are estimates; your actual rate will depend on your personal rating factors.



How bad credit affects car insurance rates in Orlando

You credit influences your car insurance costs more than moving violations and accidents in Orlando.

Orlando drivers with poor credit pay $1,440 more on average. That’s an average of slightly more than $3,500, which is a 70% increase over average auto insurance rates in Orlando.

Drivers with fair credit also pay more for auto insurance, though not as much as people with poor credit. The average car insurance rate for people with fair credit is $371 more than an average driver in Orlando.

Why are people with fair and poor credit penalized? Insurers believe those drivers are a higher risk to file more claims.

You’ll pay more having poor or fair credit in Orlando, but the costs aren’t as bad as Michigan, New Jersey, Arizona, and other worst states for drivers with bad credit.

 

Adding a teen driver costs for Orlando

Only repeat drunk drivers will see higher rate increases than a parent who adds a 16-year-old driver to a policy in Orlando.

Adding a 16-year-old male to your policy adds car insurance rates by $2,533 on average. That’s a 123% increase. It’s not as bad for adding a 16-year-old female, but it’s still significant -- a $1,830 jump or 89%.

Auto insurers view teen drivers as high risk. They’re more likely to get in an accident and file claims.

There are ways to limit that impact though -- namely, talk to your insurance company about discounts. You may even get to benefit from a good student discount for that 16-year-old.

Find out more about adding a teen to your car insurance.

 

How much more do you pay for gap insurance in Orlando?

Gap insurance, also called loan-lease payoff coverage, pays the difference between a vehicle’s actual cash value (ACV) and the current outstanding balance. This type of coverage is for people who buy a new car and then take a large loan or lease on the vehicle.

Gap insurance pays the difference between what the car’s worth after you drive it off the lot. Not what you paid.

Gap insurance would add on average $65 or 3% to your annual car insurance costs in Orlando.

 

How much SR-22 insurance costs you in Orlando

SR-22 is an option for drivers if you’re convicted for a serious moving violation, such as a DUI, reckless driving or driving without insurance.

Though not car insurance, an insurer guarantees that you’re carrying legally mandated coverage when it issues you an SR-22. If you have an SR-22 and a DUI conviction, the average car insurance rate increases by $1,415. That’s nearly $3,500 on average for car insurance.  

  

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.