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|
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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 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)|
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|
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|
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|
|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|
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)|
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
Orlando Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Orlando, you can expect 117 rainy days with an annual rainfall of 50.7 inches. Orlando is also known to experience thunderstorms and occasional hurricanes.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Orlando
Find Local Orlando Agents
Erb and Young Insurance, Inc.
7575 Dr. Phillips Blvd. Suite 245 , Orlando, FL 32819
Arthur J. Gallagher Risk Management Services, Inc.
200 S Orange Ave Ste 1350, Orlando, FL 32801
Wells Fargo Insurance Services USA, Inc.
800 N Magnolia Ave Ste 106, Orlando, FL 32803
Hugh Cotton Insurance
2315 Curry Ford Rd, Orlando, FL 32806
Century Insurance Agency
37 North Orange Ave Ste 500, Orlando, FL 32801
Eton Bridge Insurance & Financial Solutions
7625 W Sand Lake Rd Suite 201, Orlando, FL 32819
Hatcher Insurance Inc.
1411 Edgewater Dr. Suite 104, Orlando, FL 32804
Corkhill Insurance Agency, LLC
20 S Bumby Ave, Orlando, FL 32803
Harry Levine Insurance
7587 W Sand Lake Road, Orlando, FL 32819
Walker Insurance & Financial Services, Inc.
3191 Maguire Blvd., Suite 150, Orlando, FL 32803
Sun Insurance Services, Inc.
7208 Sand Lake Rd. Suite 300, Orlando, FL 32819
Lucille L. Lang Insurance, Inc.
112 Pasadena Pl, Orlando, FL 32803
S. Mark Pooser & Associates, Inc.
828 Lake Baldwin Ln, Orlando, FL 32803
4248 Town Center Blvd Suite 1, Orlando, FL 32837
Johnson & Company
801 N Orange Ave #510, Orlando, FL 32802
Talmadge Commercial Insurance Agency, LLC
111 W Jefferson St, Orlando, FL 32801
Collins Insurance Agency, Inc.
522 E Colonial Dr, Orlando, FL 32803
John J McInerney Inc
200 E Robinson St Ste 780, Orlando, FL 32801
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