Cheapest car insurance companies in Orlando 

Nationwide and State Farm offer the cheapest car insurance rates in Orlando for 2023, according to a study by Insurance.com.

In Orlando, Nationwide provides the cheapest auto insurance rates to drivers at an average annual premium of $2,086 annually

In Orlando, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrier. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates. 

CompaniesAverage annual rates
Nationwide$2,086
State Farm$2,122
Geico$2,172
Travelers$2,425
Progressive$2,895
United Automobile Insurance$3,259
Farmers$3,596
Mercury Insurance$3,668
National General Insurance$3,678
Allstate$4,017
Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance cost in Orlando by Age Group 

The cheapest auto insurance company in Orlando for teen drivers is State Farm. For full coverage, its average annual rate for Orlando drivers is $5,712. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance. 

Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.

Among the carriers analyzed, Nationwide is the cheapest car insurance option for young drivers in Orlando, at $2,857 a year for a full coverage policy.

As Orlando drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. Nationwide stands out as the cheapest car insurance option for adult drivers, with an annual premium of $2,042

Geico is the cheapest option for senior drivers in Orlando, with an average premium of $1,998 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis. 

CompanyTeensYoung AdultsAdultsSeniors
Mercury InsuranceN/A$5,487$3,797$3,694
State Farm$5,712$3,425$2,122$2,056
Geico$5,997$3,700$2,217$1,998
Nationwide$6,645$2,857$2,042$2,111
Progressive$7,666$4,290$2,846$2,903
National General Insurance$7,792$5,192$3,768$3,714
Travelers$8,084$3,730$2,444$2,423
United Automobile Insurance$8,168$4,677$3,306$3,173
Allstate$9,576$5,811$4,068$3,960
Farmers$9,782$5,524$3,726$3,571
Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance companies in Orlando by driver profile 

Your driving profile plays an important role in determining your car insurance rates in Orlando. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.

When it comes to finding the cheapest car insurance rates in Orlando, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.

Here are some of the cheapest car insurance companies in Orlando based on driver profile. 

The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Orlando drivers at about $2,709 per year

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores. 

CompanyAverage annual rates
Geico$2,709
State Farm$3,118
Nationwide$3,314
Travelers$4,053
Progressive$4,426
Allstate$5,341
Farmers$5,404
Data refreshed as of May 2024
Read our full methodology

Based on recent data analysis, 30-year-old drivers in Orlando with speeding tickets on their driving record can get the cheapest car insurance rates from State Farm at an annual cost of $1,821.

Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs. 

CompanyAverage annual premium
State Farm$1,821
Geico$2,448
Travelers$2,946
Allstate$3,027
Nationwide$3,278
Progressive$4,040
Farmers$4,492
Data refreshed as of May 2024
Read our full methodology

State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Orlando is $1,948. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket. 

CompanyAverage annual rates
State Farm$1,948
Geico$2,247
Travelers$2,951
Nationwide$3,277
Progressive$4,834
Allstate$4,926
Farmers$5,521
Data refreshed as of May 2024
Read our full methodology

State Farm is the cheapest option for Orlando drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $1,821, on average.

Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.

CompanyAverage annual rates
State Farm$1,821
Geico$3,513
Travelers$3,769
Progressive$3,987
Farmers$4,147
Allstate$4,528
Nationwide$5,465
Data refreshed as of May 2024
Read our full methodology

Average car insurance cost in Orlando 

The average car insurance rate in Orlando for full coverage is $2,835 per year or $236 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Orlando is $1,096 per year. 

Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.

Average annual RatesState minimum average
$2,835$1,096
Data refreshed as of May 2024
Read our full methodology

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.