Best Cheap Car Insurance in Orlando, Florida

• 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.

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.

GEICO and State Farm both offer affordable auto insurance and excellent customer service for Orlando drivers. 

GEICO

• Why we chose it: GEICO is known for offering cheap rates nationwide — in Orlando, it offers the cheapest minimum coverage rates and the third-cheapest full coverage rates. It also tied for first place in J.D. Power’s most recent Auto Insurance Study for the Florida region, which is the region in which it ranks the highest. 
• Who it’s best for: Drivers who want the option to purchase their policy online, especially those looking for minimum coverage. Ideal for members of the military and federal employees who can take advantage of special discounts. GEICO is not the best option for those needing gap coverage or rideshare coverage.

State Farm

• Why we chose it: State Farm generally ranks well for customer satisfaction across many J.D. Power surveys, which is the case for the 2025 study as well. In Florida, it doesn’t rank quite as high as GEICO but still comes out above average. It also has the second-cheapest average rates in Orlando for full coverage policies, ahead of GEICO.
• Who it’s best for: Orlando drivers who prefer to work with a local agent for personalized guidance, as well as those looking to bundle home and auto. Note that State Farm does not offer accident forgiveness or standard gap coverage.

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Orlando Best Cheap Picks — Customer Satisfaction Summary

Honorable mention

Florida Farm Bureau

Florida Farm Bureau is the Farm Bureau affiliate that underwrites policies in the Sunshine State. It ranked second in J.D. Power’s 2025 Auto Insurance Study for the Florida region (GEICO and Allstate tied for first) and did not receive any customer complaints in 2024, according to the NAIC.⁴ Pricing data wasn’t available for Orlando, but Farm Bureau affiliates tend to have affordable rates, so we recommend getting a quote to see how it stacks up.

In 2024, there were 20,079 car accidents in Orlando.⁵ 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 person⁶

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.

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

We assess customer satisfaction and claims practices through third-party sources such as J.D. Power, CRASH Network, and the National Association of Insurance Commissioners (NAIC).