Car Insurance in Orlando
Premiums in Orlando are relatively consistent with state rates, as its premiums are within $16 of Florida's average. Let’s take a look at how to save on car insurance in Orlando.
- City Average: $1,862
- State Average: $1,878
- National Average: $1,427
Orlando Car Insurance by Age
Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest premiums among any age group, with rates of $1,698. Those in their 60s ($1,732) aren’t paying significantly more. With car insurance payments of $5,334 on average, teenage drivers have the biggest premiums amongst all the age groups. When drivers hit their 20s in Orlando, therefore moving out of the teenage age range, they pay 54% less in premiums, which is the biggest gap you'll see between any age group. Insurance rates in Orlando continue to trend downward up until drivers turn 60.
- Teenagers: $5,334
- 20s: $2,447
- 30s: $1,851
- 40s: $1,814
- 50s: $1,698
- 60s: $1,732
- 70s: $2,110
Orlando Car Insurance by Gender and Marital Status
In Orlando, marital status as well as gender have an effect on your car insurance premiums. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Being married, as opposed to single or divorced, can save you 4% per year. Premiums for men are normally 2% cheaper than for women.
- Female: $1,903
- Male: $1,862
- Single: $1,862
- Married: $1,782
- Divorced: $1,862
- Widowed: $1,822
Orlando Car Insurance by Credit Rating
Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you $1,966 every year on car insurance. Drivers can save an average of $547 per year when they upgrade their credit tier from Fair (580-669) to Good (670-739).
- Very Poor: $3,596
- Fair: $2,933
- Good: $2,386
- Very Good: $1,951
- Exceptional: $1,630
Orlando Car Insurance by Accident or Violation History
Do you have an accident or violation history? That can cost you in terms of car insurance premiums. Accidents happen, even to safe drivers, so be prepared and learn what can happen to your rates following one. Car insurance is an average of $721 more per year in Orlando if you have an at-fault accident on your driving record. $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 drive your rates up as well, with average rates of $2,820!
- DUI: $2,848
- Reckless Driving: $2,820
- At-fault Accident (damages less than $1000): $2,583
- At-fault Accident (damages greater than $2000): $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
Wells Fargo Insurance Services USA, Inc.
800 N Magnolia Ave Ste 106 Orlando, FL 32803
4248 Town Center Blvd Orlando, FL 32837
Eton Bridge Insurance & Financial Solutions
7625 W Sand Lake Rd Orlando, FL 32819
Corkhill Insurance Agency, LLC
20 S Bumby Ave Orlando, FL 32803
Collins Insurance Agency, Inc.
522 E Colonial Dr Orlando, FL 32803
Hatcher Insurance Inc.
1411 Edgewater Dr. Orlando, FL 32804
Lucille L. Lang Insurance, Inc.
112 Pasadena Pl Orlando, FL 32803
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
Johnson & Company
801 N Orange Ave #510 Orlando, FL 32802
Talmadge Commercial Insurance Agency, LLC
111 W Jefferson St Orlando, FL 32801
S. Mark Pooser & Associates, Inc.
828 Lake Baldwin Ln Orlando, FL 32803
Arthur J. Gallagher Risk Management Services, Inc.
200 S Orange Ave Ste 1350 Orlando, FL 32801
Sun Insurance Services, Inc.
7208 Sand Lake Rd. Orlando, FL 32819
Hugh Cotton Insurance
2315 Curry Ford Rd Orlando, FL 32806
Harry Levine Insurance
7587 W Sand Lake Road Orlando, FL 32819
Century Insurance Agency
37 North Orange Ave Ste 500 Orlando, FL 32801
Erb and Young Insurance, Inc.
7575 Dr. Phillips Blvd. Orlando, FL 32819
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Orlando Car Insurance
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