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 AverageState AverageNational Average
$2,044$1,977$1,569


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
CreditAverage Car Insurance Rate
Very Poor$4,157
Fair$2,481
Good$2,044
Very Good$1,865
Exceptional$1,718


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/ViolationAverage Insurance Rate
DUI$3,095
Reckless Driving$3,141
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
AgeAverage Rate
Teenagers$5,947
20s$2,692
30s$2,033
40s$1,990
50s$1,862
60s$1,904
70s$2,278


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/GenderAverage Rate
Female$2,089
Male$2,044
Single$2,044
Married$1,953
Divorced$2,044
Widowed$2,001


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

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

Car Insurance Companies in Orlando

Find Local Orlando Agents

Lucille L. Lang Insurance, Inc.

112 Pasadena Pl Orlando, FL 32803

Collins Insurance Agency, Inc.

522 E Colonial Dr Orlando, FL 32803

Garzor Insurance

4248 Town Center Blvd Orlando, FL 32837

Eton Bridge Insurance & Financial Solutions

7625 W Sand Lake Rd Orlando, FL 32819

Hatcher Insurance Inc.

1411 Edgewater Dr. Orlando, FL 32804

Corkhill Insurance Agency, LLC

20 S Bumby Ave Orlando, FL 32803

Harry Levine Insurance

7587 W Sand Lake Road Orlando, FL 32819

Walker Insurance & Financial Services, Inc.

3191 Maguire Blvd., Suite 150 Orlando, FL 32803

Talmadge Commercial Insurance Agency, LLC

111 W Jefferson St Orlando, FL 32801

Johnson & Company

801 N Orange Ave #510 Orlando, FL 32802

John J McInerney Inc

200 E Robinson St Ste 780 Orlando, FL 32801

Sun Insurance Services, Inc.

7208 Sand Lake Rd. Orlando, FL 32819

Century Insurance Agency

37 North Orange Ave Ste 500 Orlando, FL 32801

Arthur J. Gallagher Risk Management Services, Inc.

200 S Orange Ave Ste 1350 Orlando, FL 32801

Wells Fargo Insurance Services USA, Inc.

800 N Magnolia Ave Ste 106 Orlando, FL 32803

Hugh Cotton Insurance

2315 Curry Ford Rd Orlando, FL 32806

S. Mark Pooser & Associates, Inc.

828 Lake Baldwin Ln Orlando, FL 32803

Erb and Young Insurance, Inc.

7575 Dr. Phillips Blvd. Orlando, FL 32819

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

How can my daughter, age 19, get affordable car insurance?

Her best bet, because of her age and high cost of insurance in Florida, would be to get added on to a family member's policy of the household where she lives. Once she has been insured for at least 6 months she should qualify for lower rates because of the discount for being continuously 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.

Someone hit my partially opened door in a parking space

This can be a tricky situation. Although we're both licensed insurance professionals, only a claims adjuster would able to handle this so that is where I would take my question.

Additional Resources:

Orlando Car Insurance

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