CarInsurance.com Insights
- CarInsurance.com’s data study found that GEICO and Travelers offer the cheapest car insurance rates in Orlando at annual costs of $636 and $847, respectively, for state minimum coverage.
- You can save an average of $3,691 per year on a full coverage policy in Orlando by comparing price quotes from different carriers.
- Drivers with a speeding ticket on their records can find the cheapest rates with State Farm at an average annual cost of $3,008 for full coverage.
- State Farm is one of the most affordable insurers for drivers with a DUI, with average annual premiums of $3,008 for full coverage.
Travelers, GEICO and State Farm are the top insurers with the most affordable car insurance rates for drivers in Orlando, Florida for a full coverage policy.
In Orlando, the average annual cost of a state minimum car insurance policy for an adult with a clean driving record and a good insurance score is $1,288. If you upgrade to full coverage, the cost increases to $4,013.
Insurance companies determine premiums for each driver differently, taking into account factors like age, driving history and car make and model.
Where you live plays a significant role in determining car insurance rates. Premiums vary widely from one city to another and even between ZIP codes within the same city. Areas with more traffic often see higher accident rates and more claims, so insurers take into account factors such as population density, road conditions and weather.
That’s why our experts have put together this detailed guide to help you make informed choices about car insurance. It also includes a list of the most affordable car insurance providers in Orlando.
Who offers the cheapest car insurance rates in Orlando, Florida?
GEICO offers cheap car insurance rates in Orlando at an average annual cost of $636 or $53 per month for state minimum coverage. On the other hand, Travelers has the most affordable full coverage car insurance rates at $210 per month, based on our data study.
Below, you’ll find the companies that offer cheap car insurance to Orlando drivers.
| Insurance company | Annual premium |
|---|---|
| Travelers | $2,518 |
| GEICO | $2,699 |
| State Farm | $2,784 |
| UAIC | $3,490 |
| Mercury Insurance | $3,579 |
| Allstate | $5,369 |
| Progressive | $5,454 |
| AIG | $6,209 |
Average car insurance rates in Orlando
Based on our rate analysis, the average cost of car insurance for state minimum coverage in Orlando is $1,288. If you choose liability-only coverage with limits of 50/100/50, you’ll pay $34 more per month or $405 more per year.
For full coverage (100/300/100), you would pay an additional $227 per month or $2,725 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 BI/PD | $1,288 |
| Liability Only – 50/100/50 BI/PD | $1,693 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $4,013 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $4,190 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $3,811 |
| Non-Owners | $668 |
Cheapest rates for drivers in Orlando, Florida, by age
Age is a key factor in determining car insurance rates in most cities, including Orlando. It’s one of several factors insurers consider when determining premiums.
Teens (ages 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.
Drivers in their 40s, 50s and 60s pay less for their car insurance premiums than teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute (Triple-I), an industry research and outreach organization.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | State Farm | $7,388 |
| Young Adults (20-24) | Travelers | $3,864 |
| Adults (25-60) | Travelers | $2,524 |
| Seniors (65-75) | Travelers | $2,432 |
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Cheapest car insurance rates for Orlando drivers after a speeding ticket
Our data shows that State Farm has the most affordable car insurance rates for drivers in Orlando after a speeding ticket, with an average annual cost of $3,008 or $251 monthly. Travelers and Mercury Insurance also offer affordable premiums to drivers with speeding tickets on their records.
Below is a list of car insurance companies that offer affordable rates for Orlando drivers with speeding tickets.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) | $ Increase |
|---|---|---|---|---|
| State Farm | $2,784 | $3,008 | 8% | $224 |
| Travelers | $2,518 | $3,658 | 45% | $1,140 |
| Mercury Insurance | $3,579 | $4,460 | 25% | $881 |
| UAIC | $3,490 | $4,470 | 28% | $980 |
| Progressive | $5,454 | $7,041 | 29% | $1,587 |
| AIG | $6,209 | $9,402 | 51% | $3,193 |
Cheap car insurance for drivers with a DUI in Orlando
If you have a DUI on your record in Orlando, finding affordable car insurance can be challenging. However, State Farm, Travelers and Mercury Insurance offer affordable insurance rates for drivers in Orlando after a DUI conviction.
The table below lists car insurance companies in Orlando that offer affordable coverage for drivers with DUIs.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| State Farm | $2,784 | $3,008 | 8% |
| Travelers | $2,518 | $3,846 | 53% |
| Mercury Insurance | $3,579 | $4,684 | 31% |
| GEICO | $2,699 | $4,813 | 78% |
| UAIC | $3,490 | $6,033 | 73% |
| Progressive | $5,454 | $6,050 | 11% |
| Allstate | $5,369 | $7,079 | 32% |
| AIG | $6,209 | $8,707 | 40% |
Affordable car insurers for Orlando drivers after an at-fault accident
Car insurance rates increase after an at-fault accident in Orlando for most drivers. However, some insurers offer affordable premiums to high-risk drivers.
In Orlando, State Farm offers the cheapest car insurance for drivers with an at-fault accident on their records. Other insurers that offer affordable premiums are Travelers and GEICO.
See the table below to see which insurers offer cheap auto insurance premiums for Orlando drivers with an accident on their driving records.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| State Farm | $2,784 | $3,251 | 17% |
| Travelers | $2,518 | $3,519 | 40% |
| GEICO | $2,699 | $3,853 | 43% |
| UAIC | $3,490 | $4,497 | 29% |
| Mercury Insurance | $3,579 | $5,307 | 48% |
| Progressive | $5,454 | $7,806 | 43% |
| Allstate | $5,369 | $9,685 | 80% |
| AIG | $6,209 | $9,776 | 57% |
Compare car insurance quotes in Orlando: How to save on an insurance policy?
CarInsurance.com’s rate analysis shows that you could save an average of $3,691 per year or $307 per month on a full coverage policy in Orlando, Florida, by comparing insurance quotes. Though savings will depend on factors like your location, age and driving record, comparing policies can lead to significant savings.
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 July 2026.
- Insurance Information Institute. ‘Senior driving safety and insurance tips.’ Accessed July 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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