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 AverageU.S. Average
$2,302$2,309$1,548

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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 CompanyAverage 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 tierAverage 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 StatusAverage 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
IncidentAverage 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 TierAverage 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

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.

117

Rainy Days a Year

51"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Orlando

2
Major Highways
I-4 U.S. 192
2
Toll Roads
East-West Expressway Daniel Webster Western Beltway Beachline Expressway

Find Local Orlando Agents

Wells Fargo Insurance Services USA, Inc.

800 N Magnolia Ave Ste 106, Orlando, FL 32803

Arthur J. Gallagher Risk Management Services, Inc.

200 S Orange Ave Ste 1350, Orlando, FL 32801

Erb and Young Insurance, Inc.

7575 Dr. Phillips Blvd. Suite 245 , Orlando, FL 32819

Eton Bridge Insurance & Financial Solutions

7625 W Sand Lake Rd Suite 201, Orlando, FL 32819

Corkhill Insurance Agency, LLC

20 S Bumby Ave, Orlando, FL 32803

Johnson & Company

801 N Orange Ave #510, Orlando, FL 32802

S. Mark Pooser & Associates, Inc.

828 Lake Baldwin Ln, Orlando, FL 32803

Sun Insurance Services, Inc.

7208 Sand Lake Rd. Suite 300, Orlando, FL 32819

Collins Insurance Agency, Inc.

522 E Colonial Dr, Orlando, FL 32803

Talmadge Commercial Insurance Agency, LLC

111 W Jefferson St, Orlando, FL 32801

Hatcher Insurance Inc.

1411 Edgewater Dr. Suite 104, Orlando, FL 32804

Hugh Cotton Insurance

2315 Curry Ford Rd, Orlando, FL 32806

John J McInerney Inc

200 E Robinson St Ste 780, Orlando, FL 32801

Walker Insurance & Financial Services, Inc.

3191 Maguire Blvd., Suite 150, Orlando, FL 32803

Garzor Insurance

4248 Town Center Blvd Suite 1, Orlando, FL 32837

Century Insurance Agency

37 North Orange Ave Ste 500, Orlando, FL 32801

Harry Levine Insurance

7587 W Sand Lake Road, Orlando, FL 32819

Lucille L. Lang Insurance, Inc.

112 Pasadena Pl, Orlando, FL 32803

Not sure about Orlando

Check out these other Florida cities:

Jacksonville

Miami

Tampa

St. Petersburg

Hialeah

2

$2,056

The average Orlando resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

329

That's equal to 329 cups of coffee or $822 in savings

See How Much You Can Save in Orlando

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Recent Questions:

Orlando Car Insurance

My son has moved out on bad terms. Should I still keep him on my insurance?

If your son's vehicle is registered in your name, I would keep it insured. Florida will suspend the license of the registered person if a vehicle isn't insured.

Should I still keep my 18-year-old son on my insurance if he moved out?

If the vehicle is registered in your name I would keep it insured. Florida will suspend a license of the registered person if a vehicle isn't insured.

Filing a claim 24 days into a car insurance policy

Most companies will cancel your policy if you file a claim within the first 30 days of the policy. The reason is exactly what they told you.

Can I pro rate a car if I add it to existing policy?

You are correct. They will prorate the change to the plan and add it to the existing term.