Orlando, FL Car Insurance

What's the average cost of car insurance in Orlando?

The average cost of car insurance in Orlando, Florida, is $2,302 each year. That's less than the statewide average in Florida ($2,309) and pricier than the national average of $1,548. Our guide to car insurance in Orlando — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.

CAR INSURANCE: ORLANDO RATES VS. STATE + NATIONAL AVERAGES

Orlando Average (annual)	Florida Average	U.S. Average
$2,302	$2,309	$1,548

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• Insurance company
• Age
• Marital status/gender
• Driving record
• Credit score

Orlando car insurance costs by insurer

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the car insurance provider from which you receive the most affordable quote. For a typical driver, State Farm offers Orlando's cheapest rates. Reference below the top options for affordable insurance in Orlando. Don't forget to get car insurance quotes based on your unique driving profile.

ORLANDO AUTO INSURANCE PREMIUMS BY COMPANY

Insurance Company	Average Rate (annual)
State Farm	$1,647
GEICO	$2,016
Progressive	$2,800
Allstate	$3,316

Read our guide to finding the best cheap auto insurance.

Orlando car insurance premiums by age

Orlando drivers in their 50s pay relatively affordable car insurance rates just $2,112each year, on average. Those in their 60s don't pay much more ($2,158).

The Orlando drivers who pay the highest insurance rates are teenagers. When Orlando drivers hit their 20s, their insurance rates drop substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Orlando is $3,684, the largest such difference between any two age brackets.

ORLANDO CAR INSURANCE RATES BY DRIVER AGE

Age tier	Average Yearly Rate
Teenagers	$6,631
20s	$2,946
30s	$2,292
40s	$2,245
50s	$2,112
60s	$2,158
70s	$2,642

Learn more about the impact of age on auto insurance rates.

Orlando car insurance rates by gender and marital status

Marital status and gender can be contributors to car insurance rates, in some cases. In Orlando, married drivers pay $90 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Orlando, single drivers pay more than those who are widowed.

Gender is another factor that can affect auto insurance rates. In Orlando, female drivers pay more for auto insurance than do male drivers: $60 per year, to be precise.

ORLANDO AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER

Gender/Marital Status	Average Yearly Rate
Female	$2,361
Male	$2,301
Single	$2,211
Married	$2,211
Divorced	$2,301
Widowed	$2,260

Learn more about the impact gender and marital status have on insurance rates.

Orlando auto insurance costs by citation and accident history

If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Orlando, a reckless driving citation results in an average insurance rate increase of $1,210 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $1,093 increase and a speeding ticket triggers a $581 rate hike.

ORLANDO CAR INSURANCE RATES AFTER A COLLISION OR CITATION

Incident	Average Yearly Rate
DWI/DUI	$3,394
Reckless Driving	$3,511
At-fault Accident (damages less than $1,000)	$3,197
At-fault Accident (damages > $2,000)	$3,197
Speeding Ticket (16-20 mph over speed limit)	$2,883

Learn more about citations' impact on your auto insurance rates.

Orlando car insurance premiums by credit score

An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Orlando drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 60% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Orlando, improving your credit to "Fair" could help you earn a $1,751 decrease in yearly insurance premiums.

ORLANDO CAR INSURANCE RATES BY CREDIT LEVEL

Credit Tier	Average Rate (annual)
Very Poor	$4,580
Fair	$2,829
Good	$2,301
Very Good	$2,086
Exceptional	$1,845

Learn more about the relationship between poor credit and car insurance.

What drives up car insurance rates in Orlando?

Where you live in Orlando affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Orlando is no exception to the rule. From ZIP code 32792 to 32808, premiums rise by 23 percent—that's $433.

Expensive Orlando ZIP codes: 32809, 32839, 32811, 32805, 32808

Cheap Orlando ZIP codes: 32792, 32836, 32789, 32801, 32826