CarInsurance.com Insights
- CarInsurance.com’s research shows that GEICO and Travelers offer the lowest state minimum car insurance rates in Orlando, with yearly premiums of $568 and $847, respectively.
- By shopping around and comparing quotes from multiple insurers, drivers in Orlando can save an average of $4,020 per year on full coverage car insurance.
- Drivers in Orlando with a speeding ticket can find the cheapest full coverage car insurance with State Farm, at an average annual cost of $2,902.
- State Farm stands out as an affordable option for drivers with a DUI in Orlando, with average full coverage cost of $2,902 per year.
Based on a detailed data analysis, Travelers, GEICO, and State Farm are the insurers that offer cheap full coverage car insurance rates for drivers in Orlando, Florida.
Car insurance in Orlando for an adult with a clean driving record and good insurance score costs $1,342 a year for a state minimum policy and $4,030 for a full coverage policy.
Insurance companies consider drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.
Where you live is also a significant factor. Car insurance rates can vary significantly from city to city and even from one ZIP code to another. More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors to calculate premiums.
That’s why our experts have created this comprehensive guide to help you make smart decisions about car insurance. It also lists the cheapest car insurance carriers and rates in Orlando.
Who offers the cheapest car insurance rates in Orlando, Florida?
GEICO provides the cheapest car insurance for a state minimum policy in Orlando at an average cost of $568 per year or $47 per month. Its full coverage car insurance averages $216 monthly for the coverage limits of 100/300/100 coverage and $500 collision and comprehensive deductibles.
See the companies below that offer affordable car insurance to drivers in Orlando.
| Insurance company | Annual premium |
|---|---|
| Travelers | $2,587 |
| GEICO | $2,621 |
| State Farm | $2,702 |
| UAIC | $3,185 |
| Nationwide | $3,254 |
| Mercury Insurance | $4,182 |
| Allstate | $4,776 |
| Farmers | $4,971 |
| National General | $5,417 |
| Progressive | $6,607 |
Average car insurance rates in Orlando
Based on our rate analysis, the average cost of car insurance for state minimum coverage in Orlando is $1,342. If you choose liability-only coverage with limits of 50/100/50, you’ll pay $89 more per month or $1,064 more per year.
For full coverage (100/300/100), you would pay an additional $224 per month or $2,688 more annually. Experts recommend purchasing a full coverage policy as it provides more protection than state minimum and liability-only policies.
| Coverage type | Annual premium |
|---|---|
| State minimum | $1,342 |
| Liability only (50/100/50) | $2,406 |
| Full coverage (100/300/100, $500 ded.) | $4,030 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $4,260 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $3,838 |
| Non-owners | $977 |
Cheapest rates for drivers in Orlando, Florida, by age
Age is an important factor that insurance companies take into account when determining car insurance rates for drivers.
Teen drivers (ages 16 to 19) are at a higher risk of accidents due to their inexperience. The Centers for Disease Control and Prevention (CDC) reports that teen drivers are much more likely to be involved in fatal accidents compared to adults. As the risk of accidents rises, so do car insurance rates.
Drivers in their 40s, 50s and 60s typically pay less for car insurance than teen drivers because they are more likely to adhere to traffic laws and have more driving experience.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | GEICO | $6,965 |
| Young adults (20-24) | Travelers | $3,963 |
| Adults (25-60) | Travelers | $2,606 |
| Seniors (65-75) | GEICO | $2,385 |
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Cheapest car insurance rates for Orlando drivers after a speeding ticket
State Farm offers the most affordable car insurance rates for drivers in Orlando following a speeding ticket, at an average annual cost of $2,902 or $242 per month for full coverage.
Travelers and GEICO also offer cheap insurance rates after a speeding ticket.
Find below the car insurance companies with affordable insurance rates for Orlando drivers with a speeding ticket.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) |
|---|---|---|---|
| State Farm | $2,702 | $2,902 | 7% |
| Travelers | $2,587 | $3,730 | 44% |
| GEICO | $2,621 | $4,499 | 72% |
| Nationwide | $3,254 | $5,039 | 55% |
| Mercury Insurance | $4,182 | $5,468 | 31% |
| National General | $5,417 | $6,256 | 15% |
| Farmers | $4,971 | $8,476 | 71% |
| Progressive | $6,607 | $8,570 | 30% |
Cheap car insurance for drivers with a DUI in Orlando
A DUI conviction on your driving record makes it challenging to find affordable insurance rates. However, State Farm, Travelers and GEICO offer lower rates for high-risk drivers in Orlando.
The table below shows car insurance providers in Orlando that offer affordable coverage after a DUI conviction.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| State Farm | $2,702 | $2,902 | 7% |
| Travelers | $2,587 | $3,921 | 52% |
| GEICO | $2,621 | $4,646 | 77% |
| National General | $5,417 | $5,666 | 5% |
| Mercury Insurance | $4,182 | $6,257 | 50% |
| Allstate | $4,776 | $6,258 | 31% |
| Nationwide | $3,254 | $7,005 | 115% |
| Progressive | $6,607 | $7,385 | 12% |
| Farmers | $4,971 | $13,058 | 163% |
Affordable car insurers for Orlando drivers after an at-fault accident
Dealing with an at-fault accident on your record in Orlando can be stressful, especially when it impacts your car insurance rates. However, you can find affordable premiums by shopping around. In Orlando, State Farm offers the cheapest premiums for drivers with an at-fault accident.
The table below will help you find affordable car insurance rates in Orlando if you have an at-fault accident on your record.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| State Farm | $2,702 | $3,120 | 15% |
| Travelers | $2,587 | $3,567 | 38% |
| GEICO | $2,621 | $3,730 | 42% |
| Nationwide | $3,254 | $4,615 | 42% |
| National General | $5,417 | $6,785 | 25% |
| Mercury Insurance | $4,182 | $7,214 | 73% |
| Farmers | $4,971 | $7,841 | 58% |
| Allstate | $4,776 | $8,447 | 77% |
| Progressive | $6,607 | $9,680 | 46% |
Compare car insurance quotes in Orlando: How to save on an insurance policy?
By comparing car insurance quotes, you could save an average of $4,020 per year or $335 per month on a full coverage policy in Orlando, Florida, according to CarInsurance.com’s rate analysis. While your savings will vary based on factors like location, age and driving history, this shows how much you can benefit from shopping around and comparing quotes.
Final thoughts: Car insurance cost in Orlando, Florida
It’s a good idea to shop around and compare insurance quotes when your policy is up for renewal to ensure you get the best car insurance deal. You can maximize your savings by using available discounts, driving a car with excellent safety features and keeping a clean driving record.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed January 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed January 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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