How Much Does Auto Insurance Cost in Orlando?
Premiums in Orlando are relatively consistent with Florida's rates, as its premiums are within $16 of the state average. Let's compare car insurance costs in Orlando versus premiums across the nation.
AUTO INSURANCE COSTS: ORLANDO VS. US/STATE MEAN
|City Average||State Average||National Average|
Orlando Auto Insurance by Gender and Marital Status
Pricing for car insurance premiums in Orlando is determined by a variety of things, including marital status and gender. Premiums for men and women tend to vary by 2%, with women paying more. Individuals who are single spend approximately 4% more per year on car insurance compared to those who are married. Rates for those who are widowed are relatively cheaper than rates for those who are single.
ORLANDO CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Orlando Auto Insurance Costs by Age
At $1,698, drivers in their 50s have the smallest insurance payments among any age group. Those in their 60s ($1,732) aren’t paying much more. In Orlando, when drivers hit their 20s, therefore moving out of the teenage age range, they can save $2,887 every year, the biggest gap between any age group. In Orlando, turning 60 means an increase in car insurance premiums. Up until then, moving between age groups means decreasing prices. Car insurance premiums are highest for teenage drivers, with typical payments of $5,334 per year.
ORLANDO AUTO INSURANCE RATES BY DRIVER AGE
Orlando Car Insurance by Credit Score
Improving your credit can save you a good chunk of money. Those in the top credit tier (800-850) save an average of 55% every year on premiums compared to those in the bottom tier (300-579). Shifting from Very Poor (300-579) to Fair (580-669) has the biggest positive impact on premiums, as it saves drivers nearly $547 per year.
ORLANDO AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Quality||Average Rate|
Orlando Auto Insurance for Drivers With At-Fault Accidents or Violations
Possessing an untarnished driving record is important if you want to keep the cost of insurance premiums low. A DUI will increase your car insurance premiums more than other driving violations. $986 is the additional cost per year for drivers with a DUI in Orlando, compared to the city average of $1,862. Reckless driving will also drive your rates up, with typical rates of $2,820! In Orlando, individuals who are found at-fault in an accident end up spending 39% more per year to insure their vehicle.
AVERAGE ORLANDO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Rate|
|At-fault Accident (damages less than $1,000)||$2,583|
|At-fault Accident (damages greater than $2,000)||$2,583|
|Speeding Ticket (16-20 mph over speed limit)||$2,410|
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Orlando Agents
Hugh Cotton Insurance
2315 Curry Ford Rd Orlando, FL 32806
Hatcher Insurance Inc.
1411 Edgewater Dr. Orlando, FL 32804
Century Insurance Agency
37 North Orange Ave Ste 500 Orlando, FL 32801
Sun Insurance Services, Inc.
7208 Sand Lake Rd. Orlando, FL 32819
Erb and Young Insurance, Inc.
7575 Dr. Phillips Blvd. Orlando, FL 32819
Arthur J. Gallagher Risk Management Services, Inc.
200 S Orange Ave Ste 1350 Orlando, FL 32801
Talmadge Commercial Insurance Agency, LLC
111 W Jefferson St Orlando, FL 32801
John J McInerney Inc
200 E Robinson St Ste 780 Orlando, FL 32801
4248 Town Center Blvd Orlando, FL 32837
Wells Fargo Insurance Services USA, Inc.
800 N Magnolia Ave Ste 106 Orlando, FL 32803
Lucille L. Lang Insurance, Inc.
112 Pasadena Pl Orlando, FL 32803
S. Mark Pooser & Associates, Inc.
828 Lake Baldwin Ln Orlando, FL 32803
Corkhill Insurance Agency, LLC
20 S Bumby Ave Orlando, FL 32803
Harry Levine Insurance
7587 W Sand Lake Road Orlando, FL 32819
Johnson & Company
801 N Orange Ave #510 Orlando, FL 32802
Walker Insurance & Financial Services, Inc.
3191 Maguire Blvd., Suite 150 Orlando, FL 32803
Collins Insurance Agency, Inc.
522 E Colonial Dr Orlando, FL 32803
Eton Bridge Insurance & Financial Solutions
7625 W Sand Lake Rd Orlando, FL 32819
The average Orlando resident's annual cost of coverage
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Orlando Car Insurance
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