Florida has some of the highest car insurance costs in the country, and Orlando drivers see even higher rates. The overall average cost of car insurance in the home of Disney World and Universal Studios is $203 per month. By comparison, the state average is $182, and the national average is $144 per month for car insurance.

While rates are high, it’s possible to find affordable car insurance in Orlando if you’re willing to take the time to compare quotes and shop around for the best insurers.

7 of the cheapest car insurance companies in Orlando 

The cheapest car insurance companies in Orlando may offer discounts or incentive savings that could influence rates, making one insurer’s premium less expensive than the cheapest insurer. The best auto insurance company for you will depend on your individual situation and needs.

Best insurer for temporary coverage: Hugo

Best insurer for rideshare drivers: State Farm

Best insurer for teen drivers: GEICO

How to get the cheapest car insurance in Orlando

Getting the cheapest car insurance in Orlando doesn’t need to be tricky. Comparing rates from multiple insurers is a good way to find the lowest rate, as well as a way to keep the lowest rate. Insurers may change their discounts and incentive programs and offer you more money-saving perks if you switch.

Here are a few ways to get affordable car insurance in Orlando:

• Ask about discounts. Not all insurers list their available discounts publicly. Call a company’s insurance agent to verify which discounts the insurer offers and which of them you qualify for.

• Bundle multiple insurance products. Many insurers offer policy bundling discounts, which are discounts for having multiple policies — like buying homeowners or renters insurance with your auto insurance — with one company.

• Reconsider coverage. If you drive an older vehicle, you may not need high collision and comprehensive limits. Additionally, if you’ve paid off your financed vehicle, you can drop gap insurance from your policy. Review your car insurance declaration page and reconsider your coverage options to see where you can trim back while still staying protected.

Cheapest liability-only car insurance in Orlando: State Farm

Liability-only car insurance is the minimum level of car insurance a driver needs to carry to operate a vehicle. Essentially, liability-only coverage pays for damages or injuries you cause another person or their property in an at-fault accident. Florida’s minimum requirements include personal injury protection and property damage liability, which means that all Orlando drivers must meet at least those coverage requirements.

Liability insurance in Orlando costs an average of $175 per month. Here are some options for cheap liability-only car insurance in Orlando, based on Insurify data.

Cheapest full-coverage car insurance in Orlando: State Farm

You may see two basic policies when you’re searching for car insurance: liability-only and full-coverage policies. Insurers may define their full-coverage policies differently, but full-coverage policies generally add comprehensive coverage and collision coverage to a liability-only policy to provide more protection.

Full-coverage policies are optional, but drivers who live in major tourism hubs like Orlando may want to consider this additional coverage.

Orlando drivers pay a monthly average of $230 for full coverage. Here are the cheapest full-coverage car insurance companies in Orlando, based on Insurify data.

Car insurance requirements in Florida

Florida is a no-fault state, which means that all Orlando drivers must carry personal injury protection insurance (PIP) to pay for damages and injuries no matter who’s at fault for the accident.

When registering a vehicle in Florida, Orlando drivers must have a minimum level of PIP and property damage liability insurance. You must also maintain this coverage as long as your vehicle is registered, no matter how often you drive your car or if it’s broken down.

Florida requires state-minimum coverages, but they aren’t the only coverages you may need to feel fully protected on the road. If you need an added level of protection from unexpected events, such as hit-and-runs or storm damage, ask about these optional coverages:

Cheapest car insurance for drivers with an incident

Speeding tickets and other moving violations can increase your rates for several years, while a history of at-fault accidents or driving under the influence can cause your insurance company to not renew your policy at the end of the term.2

These incidents may increase rates because you either drove in a way that increases your likelihood of an accident or you were in an incident that caused your insurer to pay for damages or injuries. And if you have a DUI conviction on your record, Florida may require you to file an FR-44 certificate, which increases your state-minimum car insurance requirements for three years.3

Cheapest car insurance for drivers with a speeding ticket: State Farm

Orlando has major highways running through and around the city, though many stretches of these roadways may have lower speed limits in more congested areas. For example, Interstate 4 runs across the state at a speed limit between 65 mph and 70 mph, though in downtown Orlando, normal limits range between 50 mph and 55 mph.4 5

Because speeding is a frequent factor in car crashes, insurers consider speeding a risky behavior.

Orlando drivers who have speeding tickets face average monthly car insurance rates of $235 for liability-only insurance and $308 for full coverage. If you have a speeding ticket in Orlando, here are the cheapest car insurance companies to start your search for affordable insurance.

Cheapest car insurance for drivers with an at-fault accident: State Farm

In 2022, Orange County, which includes Orlando, reported 26,263 car crashes to the Florida Highway Patrol. Neighboring counties like Seminole reported 6,177, Lake reported 5,189, and Osceola reported 6,533 — a combined amount fewer than Orange.6

Although some insurers offer accident forgiveness programs for qualified drivers, an at-fault accident will increase your rates more often than not. Remember that you don’t have to hit another driver to be considered in an at-fault accident. At-fault accidents can include damages from hopping a curb or running into a telephone pole.

On average, full coverage costs Orlando drivers with an accident on their records $287 per month; liability is $219 per month. Here are the average monthly rates of insurers that offer coverage to Orlando drivers following an accident.

Cheapest car insurance for drivers with a DUI: State Farm

Florida often has a higher alcohol-impaired driving death rate than the national average.7 Getting a DUI in Orlando can cause higher rates for car insurance, result in FR-44 insurance requirements, and cause your insurer to not renew your policy at the end of the policy term.It may also make it difficult to find new coverage. In Florida, a DUI remains on your record for 75 years and can’t be expunged.

Orlando drivers with DUIs face average monthly rates of $299 for full-coverage car insurance and $228 for liability coverage. Still, high-risk drivers in Orlando may be able to find rates lower than the average through the following insurers.

Cheapest car insurance for seniors: State Farm

About 10% of Orlando’s population are older than 65 and could still be driving.8 While rates for car insurance decrease around age 35, the increased potential for diminished driving capabilities often causes insurance rates to rise for drivers in their 70s.

On average, car insurance for senior drivers in Orlando costs $155 per month for a liability-only policy and $204 for full coverage. Even though auto rates generally increase, some insurers offer senior drivers discounts for good driving habits and driving fewer miles than average.

Cheapest car insurance for teens: State Farm

Compared to the state average, Orange County has a lower teen death crash rate. More than 800,000 teen drivers are on Florida’s roads, and this age group tends to have a higher rate of fatal crashes across the nation.9

A lack of experience, overconfidence, and distractions increase the likelihood of a crash, which is why teen insurance rates are higher than other age groups. Orlando teenagers pay monthly averages of $393 for full coverage and $299 for liability only. But teens may receive lower rates when staying on a parents’ insurance policy or through discounts eligible for students who maintain good grades.

Orlando car insurance quotes by credit tier

Florida allows insurers to use your credit history to calculate a credit-based insurance score when setting premiums, but only as one of many other factors influencing their underwriting decision.

Even though credit scores aren’t the sole determinant of your rates, most insurers tend to write lower premium rates for drivers with excellent or good credit scores and higher rates for people with poor credit scores.

Is car insurance more expensive in Orlando?

Compared to the Florida state average of $210 per month for a full-coverage policy, Orlando is slightly higher, at $230 per month. Compared to other cities, Orlando tends to be within a 10% variance, including both large cities like Miami and smaller cities like Lakeland.

Many factors influence the cost of car insurance in Florida, including accident frequency and severity, the cost of repairs in your area, vehicle theft and vandalism rates in your ZIP code, and even the vehicle you drive.

More cities in Florida

Orlando has a higher average compared to most Florida cities. Fort Myers and Ocala are much cheaper than Orlando, potentially because of their much smaller populations and less congested highways. Similarly, Tampa may have a higher rate because of more congested roadways and higher accident frequency and severity.

See how rates compare for other Florida cities in the table below.