Best Cheap Car Insurance in Orlando

• Car insurance in Orlando is more expensive than the Florida average for full coverage, but less expensive for minimum coverage. Full coverage in the city costs an average of $3,537 annually, while minimum coverage costs an average $1,234 annually.
• GEICO and State Farm have some of the most affordable auto insurance rates in Orlando, as well as some of the highest customer satisfaction ratings.
• Comparing average rates can help you get an idea of where you may find the best rates, but they should only be used as a guide. Your actual rates will depend on many factors, including your location, age, and driving history.

*USAA technically doesn’t qualify to rank on J.D. Power studies due to its eligibility restrictions.

Travelers has the cheapest full coverage auto insurance rates in Orlando at $2,264 per year on average, which is 36 percent cheaper than the citywide average. State Farm and GEICO have the next cheapest average premiums at $2,317 annually and $2,627 annually, respectively.

The cheapest minimum coverage in Orlando is from GEICO at $648 per year — that’s 47 percent below the city average. Travelers and State Farm also have competitive minimum coverage rates at $676 per year and $800 per year, respectively.

In 2024, there were 20,079 car accidents in Orlando.⁶ They involved 35 deaths and 444 serious injuries. The most dangerous months of the year in terms of the number of traffic deaths were January and December, and the most dangerous day was Sunday.

Most fatalities were people between the ages of 25 and 34, and the majority of accidents involved intersections or lane departures. So far in 2025 (at the time of publication), there have been 12 deaths and 157 serious injuries as a result of car accidents in the city. Overall, traffic deaths and severe injuries in Orlando have decreased significantly since 2015.

Florida has minimum auto insurance requirements that are mandated by law, though they are less robust than most other states. Florida’s minimum coverage limits are as follows:

• Property damage liability: $10,000 per accident
• Personal injury protection: $10,000 per person⁷

Unlike almost every other state, Florida does not require that drivers carry bodily injury liability, but we recommend including it on your policy along with full coverage if you can afford to.

At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:

• Price (40%): We analyzed average premiums for full and minimum coverage in Orlando, Florida, for good drivers with good credit. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $100,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
• Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
• Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.

Read more about our ratings and methodology.