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
$1,862 $1,878 $1,427


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
Female $1,903
Male $1,862
Single $1,862
Married $1,782
Divorced $1,862
Widowed $1,822


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
Age Average Rate
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 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
Very Poor $3,596
Fair $2,933
Good $2,386
Very Good $1,951
Exceptional $1,630


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
DUI/DWI $2,848
Reckless Driving $2,820
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.

117

Rainy Days a Year

51"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Orlando

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

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

Garzor Insurance

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

See All

Not sure about Orlando

Check out these other Florida cities...

Jacksonville

Miami

Tampa

St. Petersburg

Hialeah

$2,056

The average Orlando resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

329

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

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Orlando Car Insurance

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