Best cheap car insurance in Orlando for 2025

The best car insurance companies in Orlando

To identify the best Florida car insurance companies for cheap auto insurance, Bankrate’s insurance editorial team began by analyzing average rate data from Quadrant Information Services. In addition to rate data, we considered J.D. Power customer satisfaction scores, coverage types and discounts, financial strength and more. Each carrier was assigned a Bankrate Score out of a possible 5.0 points to signal the overall benefits the company offers for consumers, but we’ve singled out each company for its primary strengths compared to other insurers in the region.

The cheapest car insurance companies in Orlando

According to research by Bankrate’s insurance editorial team, the three cheapest car insurance companies in Orlando are Geico, State Farm and Allstate, with Geico customers paying $851 per year, on average, for state minimum coverage. Keep in mind, however, that car insurance rates will always vary based on individual driver profiles, so the cheapest Florida car insurance companies may be different for every driver.

How much is car insurance in Orlando, Florida?

On average, Orlando drivers pay $4,068 per year for full coverage insurance and $1,170 per year for state minimum coverage. That’s 2 percent less than the average cost of car insurance in Florida for full coverage and 5 percent more for minimum coverage. Overall, Orlando drivers with full coverage policies pay 408 percent more than the national average.

Orlando rates for teens

Because insurers base premiums on risk and drivers with limited on-road experience carry a significantly higher risk of crashes and claims, teen drivers in Orlando typically pay above-average rates for auto insurance, especially if they’re on their own policy versus their parents. For example, on average, an 18-year-old driver on their parents’ policy in Orlando pays $7,098 annually for full coverage compared to the annual cost of $10,604 on their own policy.

Orlando rates for young drivers

Moving to young adulthood, drivers aged 25 years old typically pay $4,925 per year for full coverage in Orlando, or $1,435 per year for minimum coverage. Hitting age 25 is usually the key to more steadily decreasing rates; a 25-year-old Orlando driver pays 25 percent less for minimum coverage, on average, than a 21-year-old driver and 58 percent less than an 18-year-old.

Orlando rates for adults

In adulthood, auto insurance rates tend to stabilize, with fluctuations around life changes like purchasing a new car or adding a child to your policy. On average, 50-year-old drivers in Orlando pay $3,863 per year for full coverage — 10 percent less than 30-year-olds.

Orlando rates for senior drivers

Senior citizens typically pay the lowest auto insurance premiums of any age group thanks to a lifetime of driving experience. However, rates may begin to climb as drivers reach their seventies and see slower reaction times, potential vision issues and a higher risk of serious injury from a crash. On average, a 70-year-old driver in Orlando pays 6 percent more for full coverage than a 60-year-old and 1 percent more than a 50-year-old, for a total annual premium of $3,917.

The cheapest car insurance in Orlando by driving record

Insurance companies look closely at your driving record when issuing car insurance quotes in Orlando. Tickets, at-fault accidents and serious convictions for offenses like driving under the influence can make it difficult to find cheap car insurance in Orlando. It’s important to understand how each of these factors affects your driver profile — and how different insurance carriers treat them — in order to find the cheapest rates with a less-than-perfect driving record.

Car insurance with a speeding ticket in Orlando

Drivers in Orlando with a speeding ticket conviction pay 15 percent more for full coverage, on average, than drivers with a clean record. Compare that to the Florida state average, where drivers with speeding tickets usually pay 16 percent more than the average for drivers with no violations.

Car insurance after an accident in Orlando

An at-fault accident on your driving record signals to insurance companies that you may have a higher likelihood of filing claims in the future. In Orlando, a driver with an at-fault accident on their record generally pays 34 percent more for full coverage than a driver with a clean record. In Florida as a whole, you can expect to pay around 35 percent more for coverage after an at-fault accident.

Car insurance after a DUI in Orlando

A DUI is a major offense carrying serious legal, financial and insurance implications for Orlando drivers. According to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), drivers can be fined up to $1,000 and imprisoned for up to six months for a first offense, among other penalties. In addition, a DUI conviction can raise car insurance rates significantly or even cause some carriers to non-renew or deny coverage. Orlando drivers with DUIs pay 62 percent more for state minimum coverage than drivers with clean records.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.