Cheapest Car Insurance In Orlando, FL
In Orlando, State Farm provides the most affordable minimum coverage car insurance, costing around $75 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
The cost of car insurance in Orlando, FL, varies significantly when looking for the cheapest rates.
If you’re looking for the lowest-priced liability-only coverage, State Farm is the best option. Meanwhile, GEICO offers the most competitive rates for full coverage, and Travelers has the most budget-friendly plans for young drivers.
Cheapest and best car insurance in Orlando, FL 2025
Cheapest Liability-only Car Insurance In Orlando: State Farm
In Orlando, State Farm provides the lowest-cost minimum coverage car insurance, with an average monthly rate of $75.
Use the following table to see how different insurance companies’ rates stack up.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $75 | $900 |
| Allstate | $130 | $1,560 |
| GEICO | $77 | $924 |
| Travelers | $153 | $1,836 |
| Mercury | $174 | $2,088 |
Cheapest Full Coverage Insurance Rates In Orlando: GEICO
In Orlando, GEICO provides the most affordable full coverage car insurance, with an average monthly cost of $99.
Check out the table below for a comparison of affordable auto insurance rates in Orlando.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $99 | $1,188 |
| Allstate | $166 | $1,992 |
| Progressive | $292 | $3,504 |
| Mercury | $224 | $2,688 |
| National General | $296 | $3,552 |
Cheapest Car Insurance Rates For Seniors: 21st Century
At $128 per month on average, 21st Century provides the cheapest car insurance for seniors in Orlando.
Below is a table comparing average rates from the cheapest car insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| 21st Century | $128 | $1,536 |
| Direct Auto | $150 | $1,800 |
| State Farm | $134 | $1,608 |
| Mercury | $185 | $2,220 |
| Liberty Mutual | $180 | $2,160 |
Cheapest Rates In Orlando For Teenagers: Liberty Mutual
In Orlando, teen drivers can get the most affordable quotes from Liberty Mutual, with an average monthly premium of $140.
Below is a table displaying the most affordable insurance companies for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Liberty Mutual | $140 | $1,680 |
| State Farm | $240 | $2,880 |
| 21st Century | $193 | $2,316 |
| Unitrin | $362 | $4,344 |
| AIG | $350 | $4,200 |
Cheapest Auto Insurance For Young Adults in Orlando: Travelers
Travelers provides the most affordable quotes for young adult drivers in Orlando, with an average monthly cost of $76.
The table below shows a comparison of the lowest car insurance rates for young adults in Orlando.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $76 | $912 |
| Nationwide | $115 | $1,380 |
| Gainsco | $113 | $1,356 |
| USAA | $78 | $936 |
| Liberty Mutual | $139 | $1,668 |
Cheapest Car Insurance In Orlando For Good Drivers: State Farm
In Orlando, safe drivers can get the most affordable quotes from State Farm, with an average monthly cost of $75.
If you have a good driving record, use the table below to compare average rates from affordable insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $75 | $900 |
| Allstate | $130 | $1,560 |
| GEICO | $77 | $924 |
| Travelers | $153 | $1,836 |
| Mercury | $174 | $2,088 |
Find affordable Orlando rates
Cheapest Car Insurance In Orlando After A Speeding Ticket: State Farm
Compared to other insurers in Orlando, State Farm provides budget-friendly rates, averaging $90 per month for drivers with a speeding violation.
Use the table below to compare average premiums for drivers who have a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $90 | $925 |
| Erie | $87 | $1,042 |
| Auto-Owners | $94 | $1,130 |
| GEICO | $158 | $1,898 |
| USAA | $79 | $950 |
Cheapest For Drivers With After At-Fault Accident: State Farm
Drivers with an at-fault incident can find the lowest insurance rates with State Farm, at an average of $94 per month.
Below are the insurance companies with the most affordable rates for drivers who have caused an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $94 | $1,010 |
| USAA | $91 | $1,090 |
| Auto-Owners | $103 | $1,230 |
| GEICO | $124 | $1,490 |
| Erie | $109 | $1,302 |
Cheapest Rates In Orlando For Drivers After A DUI: State Farm
For Orlando drivers with a DUI, State Farm provides the most affordable car insurance at $117 per month on average.
If you have a DUI, check the table below for the most affordable insurance rates in Orlando.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $117 | $930 |
| Erie | $131 | $1,566 |
| USAA | $94 | $1,130 |
| Auto-Owners | $142 | $1,705 |
| GEICO | $158 | $1,900 |
Best Car Insurance Companies In Orlando
The most affordable insurance option in Orlando is State Farm at $75 per month, but Allstate at $130 and GEICO at $77are also worth considering.
The table below lists the 10 best car insurance providers in Orlando, MD, sorted by their average monthly premiums.
| Company | Monthly Premium |
| State Farm | $75 |
| Allstate | $130 |
| GEICO | $77 |
| Travelers | $153 |
| Mercury | $174 |
| Direct Auto | $168 |
| Progressive | $194 |
| Mile Auto | $122 |
| Root | $184 |
| Infinity | $209 |
Average Auto Insurance Rates In Orlando – By Age
Insurance companies consider age an important factor when setting car insurance rates. Since young drivers have less experience and a greater risk of accidents, their premiums are higher. Teen drivers typically pay around $8,071 annually for coverage.
At age 25, drivers often see lower insurance premiums, as long as they maintain a good driving record.
Insurance companies often offer the lowest rates to drivers in their 50s and early 60s, as they consider age a key factor in assessing risk and experience.
| Age | Average Yearly Rate |
| Teenagers | $8,071 |
| 20s | $5,522 |
| 30s | $3,474 |
| 40s | $3,214 |
| 50s | $2,745 |
| 60s | $2,655 |
| 70s | $2,826 |
Average Rates In Orlando – By Vehicle
The kind of car you drive plays a big part in your insurance costs. Insurers consider factors like the vehicle’s make, model, year, and design—newer luxury cars with advanced features usually cost more to insure.
The table below provides average insurance costs for different types of vehicles in Orlando.
| Vehicle | Average Monthly Rate |
| Chevrolet Equinox | $485 |
| Ford Explorer | $138 |
| Tesla Model 3 | $859 |
| Mitsubishi Lancer | $405 |
| Ford F150 | $124 |
Average Cost Of Auto Insurance In Orlando – By Zip Code
Since zip codes help insurers evaluate crime levels, car insurance rates differ depending on where you live.
The table below provides average car insurance costs for various zip codes in Orlando.
| City | Average Monthly Rate |
| 32825 | $322 |
| 32804 | $263 |
| 32819 | $280 |
| 32811 | $360 |
| 32808 | $362 |
How Much Is Car Insurance In Other Cities in Florida?
Your car insurance rates are heavily influenced by your location. Companies consider accident risks, theft, and vandalism, which tend to be higher in urban areas, often raising premiums.
Car insurance costs vary by city—Miami drivers usually pay around $407 a month, while Sarasota residents average $227 monthly.
| City | Average Monthly Rate |
| Fort Myers | $274 |
| Boca Raton | $347 |
| West Palm Beach | $406 |
| Naples | $251 |
| Sarasota | $227 |
| Tampa | $400 |
| Miami | $407 |
| Tallahassee | $273 |
| St. Petersburg | $261 |
| Pensacola | $265 |
Find affordable Orlando rates
Our methodology
By considering customer ratings, policy choices, pricing, and online reviews, I’ve created a comprehensive overview of Orlando, CA's car insurance options.
Quotes Analyzed
Years Of Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Orlando?
State Farm provides the lowest-cost minimum coverage in Orlando, while GEICO has the best rates for full coverage, which includes collision and comprehensive insurance.
What is the average cost of car insurance in Orlando?
The typical monthly car insurance premium in Orlando is around $320, though your rate may change based on your location, car model, and driving record.
