How Much Does Car Insurance Cost in Orlando?
Premiums in Florida surpass the national average by $408, which is why the state is recognized for its expensive rates. Premiums run high in the city as well, so in Orlando, it is critical to save while insuring a vehicle. Let's take a look at how auto insurance costs in Orlando contrast with rates nationwide.
INSURANCE RATES: ORLANDO VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Orlando Car Insurance by Credit Level
For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. Shifting from Very Poor (300-579) to Fair (580-669) creates the biggest decrease in premiums, as drivers save nearly $1,676 per year.
ORLANDO AUTO INSURANCE RATES BY CREDIT TIER
|Credit||Average Car Insurance Rate|
Orlando Auto Insurance After an Accident or Moving Violation
Possessing a flawless driving record is crutial to keep the price of rates minimal. Reckless driving will increase your car insurance premiums more than other driving violations. In Orlando, drivers with a DUI have rates that exceed the city average ($2,044) by $1,051. Reckless driving will bump your premiums up as well, with typical rates of $3,141. That is 54% higher than the city average! When comparing rates for drivers with at-fault accidents in Orlando, those with damages exceeding $2,000 pay $29 more than those with damages less than $1,000.
AVERAGE ORLANDO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Insurance Rate|
|At-fault Accident (damages less than $1,000)||$2,827|
|At-fault Accident (damages greater than $2,000)||$2,856|
|Speeding Ticket (16-20 mph over speed limit)||$2,667|
Orlando Car Insurance Rates by Age
Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance payments among any age group, with rates of $1,862/year. People in their 60s ($1,904) have premiums that aren't much higher. The greatest fall in premiums for Orlando drivers happens when they reach their 20s. Once out of the teenage age range, they save an average of $4,085 every year. In Orlando, turning 60 means an increase in premiums. Up until then, transitioning from one age group to the next means decreasing prices. Teenage drivers are the ones who pay the most in car insurance premiums, with payments of $5,947 on average.
ORLANDO CAR INSURANCE PRICES BY AGE
Orlando Auto Insurance by Marital Status and Gender
Pricing for car insurance premiums in Orlando is determined by quite a few factors, including gender and marital status. Premiums for men tend to be 2% cheaper than for women. Rates for those who are widowed are moderately cheaper than rates for those who are single. You can save around $90 per year if you're married as opposed to single or divorced.
ORLANDO AUTO INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
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
Century Insurance Agency
37 North Orange Ave Ste 500, Orlando, FL 32801
Sun Insurance Services, Inc.
7208 Sand Lake Rd. Suite 300, Orlando, FL 32819
Hatcher Insurance Inc.
1411 Edgewater Dr. Suite 104, Orlando, FL 32804
Johnson & Company
801 N Orange Ave #510, Orlando, FL 32802
Wells Fargo Insurance Services USA, Inc.
800 N Magnolia Ave Ste 106, Orlando, FL 32803
Talmadge Commercial Insurance Agency, LLC
111 W Jefferson St, Orlando, FL 32801
S. Mark Pooser & Associates, Inc.
828 Lake Baldwin Ln, Orlando, FL 32803
4248 Town Center Blvd Suite 1, Orlando, FL 32837
Hugh Cotton Insurance
2315 Curry Ford Rd, Orlando, FL 32806
Corkhill Insurance Agency, LLC
20 S Bumby Ave, Orlando, FL 32803
Collins Insurance Agency, Inc.
522 E Colonial Dr, Orlando, FL 32803
Walker Insurance & Financial Services, Inc.
3191 Maguire Blvd., Suite 150, Orlando, FL 32803
Harry Levine Insurance
7587 W Sand Lake Road, Orlando, FL 32819
John J McInerney Inc
200 E Robinson St Ste 780, Orlando, FL 32801
Arthur J. Gallagher Risk Management Services, Inc.
200 S Orange Ave Ste 1350, Orlando, FL 32801
Lucille L. Lang Insurance, Inc.
112 Pasadena Pl, Orlando, FL 32803
Eton Bridge Insurance & Financial Solutions
7625 W Sand Lake Rd Suite 201, Orlando, FL 32819
Erb and Young Insurance, Inc.
7575 Dr. Phillips Blvd. Suite 245 , Orlando, FL 32819
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