The roads around Orlando are increasingly crowded as more people move to the city and surrounding areas. The metro area (which encompasses Lake, Orange, Osceola, and Seminole counties) added roughly 1,000 new residents per week between July 2022 and July 2023. One million more are expected by 2045. That’s not even counting the tourists.
Increasingly crowded streets means higher potential for auto accidents. Whether you’re cruising along International Drive or Interstate 4, it’s a good idea to protect yourself with proper car insurance. Jerry can help you find the right policy based on your age, driving history and coverage needs.
Cheapest minimum coverage insurance in Orlando
Florida requires drivers to carry the following minimum coverages:
- $10,000 in personal injury protection (PIP) coverage.
- $10,000 in property damage liability coverage.
Below are the average quotes that Jerry customers in Orlando have received from several insurers, arranged from the cheapest to the most expensive.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Orlando
Hurricane season threatens to flood Orlando homes — and vehicles — each year between June and November. The state’s required minimum coverage won’t help you repair or replace your vehicle if it’s damaged in bad weather, but full coverage may.
Full coverage, which includes liability, collision and comprehensive insurances can help pay for damages due to a hurricane, accident, vandalism or if it’s stolen.
Here are the insurers offering the cheapest full coverage rates to Orlando drivers, from cheapest to most expensive, based on quotes received through Jerry.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Anchor General | $140 | $1,677 | Orlando, FL |
| Aspire Advantage | $234 | $2,811 | Orlando, FL |
| Progressive | $310 | $3,725 | Orlando, FL |
| Safeco | $357 | $4,290 | Orlando, FL |
| National General | $363 | $4,359 | Orlando, FL |
| Bristol West | $387 | $4,640 | Orlando, FL |
| Gainsco | $399 | $4,793 | Orlando, FL |
| Root | $404 | $4,851 | Orlando, FL |
| Mendota | $423 | $5,076 | Orlando, FL |
| Assurance America | $426 | $5,110 | Orlando, FL |
Cheapest car insurance for young drivers in Orlando (18-29 years old)
Young drivers usually pay the highest rates for auto insurance because insurers view their lack of driving experience as a risk. Compare quotes from multiple insurers to find the coverage you need at the best rate.
Here are the average rates that young drivers in Orlando have been quoted via Jerry.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 18-20 | $442 | $5,298 | Orlando, FL |
| 21-24 | $383 | $4,593 | Orlando, FL |
Cheapest minimum coverage for 20-year-olds
Based on Jerry’s data, these insurers offer the cheapest minimum coverage quotes for 20-year-olds in Orlando.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Root | $285 | $3,414 | Orlando, FL |
| Progressive | $300 | $3,597 | Orlando, FL |
| Gainsco | $340 | $4,085 | Orlando, FL |
| The General | $343 | $4,115 | Orlando, FL |
| National General | $347 | $4,163 | Orlando, FL |
Cheapest full coverage for 20-year-olds
These insurers offer the cheapest full coverage quotes for 20-year-olds, according to Jerry’s quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Assurance America | $357 | $4,281 | Orlando, FL |
| Dairyland | $439 | $5,263 | Orlando, FL |
| Progressive | $519 | $6,224 | Orlando, FL |
| Bristol West | $587 | $7,046 | Orlando, FL |
| National General | $590 | $7,084 | Orlando, FL |
Cheapest car insurance for mature drivers in Orlando (25-54 years old)
Drivers between 25 and 54 years old are likely to get lower rates as they gain more driving experience.
Here are the average rates that mature drivers in Orlando have been quoted through Jerry.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 25-34 | $300 | $3,595 | Orlando, FL |
| 35-44 | $299 | $3,588 | Orlando, FL |
| 45-54 | $287 | $3,443 | Orlando, FL |
Cheapest minimum coverage for 35-year-olds
These insurers offer the cheapest quotes for minimum coverage car insurance to 35-year-olds in Orlando, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Gainsco | $158 | $1,902 | Orlando, FL |
| Infinity | $168 | $2,013 | Orlando, FL |
| Safeco | $212 | $2,548 | Orlando, FL |
| Assurance America | $224 | $2,692 | Orlando, FL |
| National General | $227 | $2,722 | Orlando, FL |
Cheapest full coverage for 35-year-olds
These insurers provide the cheapest full coverage quotes to 35-year-olds in Orlando, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Safeco | $234 | $2,813 | Orlando, FL |
| Progressive | $303 | $3,631 | Orlando, FL |
| Dairyland | $312 | $3,739 | Orlando, FL |
| Gainsco | $344 | $4,126 | Orlando, FL |
| National General | $363 | $4,358 | Orlando, FL |
Cheapest car insurance for older drivers (55+ years old)
Drivers above age 54 are likely to pay the lowest rates for an auto policy, and rates may continue to lower until they reach their 70s.
These are the average rates that drivers over the age of 54 have been quoted through Jerry.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 55-64 | $227 | $2,719 | Orlando, FL |
| 65+ | $223 | $2,673 | Orlando, FL |
Cheapest minimum coverage for 65-year-olds
These insurers provide the lowest-priced quotes for 65-year-olds in Orlando, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| National General | $102 | $1,219 | Orlando, FL |
| Progressive | $110 | $1,314 | Orlando, FL |
| Embark General | $159 | $1,904 | Orlando, FL |
| The General | $185 | $2,214 | Orlando, FL |
Cheapest full coverage for 65-year-olds
Here are the companies that offer the cheapest full coverage policies to 65-year-olds, based on Jerry’s quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Progressive | $153 | $1,835 | Orlando, FL |
| Gainsco | $238 | $2,852 | Orlando, FL |
| Mendota | $262 | $3,148 | Orlando, FL |
| Infinity | $267 | $3,201 | Orlando, FL |
| National General | $286 | $3,435 | Orlando, FL |
Cheapest car insurance for drivers with clean records in Orlando
Having no tickets, insurance claims or accidents can help you get the cheapest auto policy possible.
Here’s what Orlando drivers with clean records have been quoted on average, according to Jerry’s data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|
| $273 | $3,271 | Orlando, FL |
These insurers offer the lowest rates to Orlando drivers with spotless records, according to Jerry’s quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Aspire Advantage | $112 | $1,340 | Orlando, FL |
| Anchor General | $140 | $1,677 | Orlando, FL |
| Progressive | $216 | $2,595 | Orlando, FL |
| First Acceptance | $245 | $2,940 | Orlando, FL |
| Assurance America | $246 | $2,956 | Orlando, FL |
Cheapest car insurance for drivers with low credit scores in Orlando
Insurers in Florida can use your credit score to help calculate your rate. A low score may lead to a higher rate.
Below are the average monthly and annual quotes that Jerry customers have received.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 550-659 | $311 | $3,729 | Orlando, FL |
| 660-750 | $287 | $3,441 | Orlando, FL |
| <550 | $343 | $4,111 | Orlando, FL |
| 750+ | $193 | $2,313 | Orlando, FL |
These insurance companies provide the cheapest quotes to Orlando drivers with scores below 550, based on Jerry’s data.
|
Insurance Company
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|---|
| Aspire Advantage | <550 | $82 | $985 | Orlando, FL |
| Anchor General | <550 | $111 | $1,334 | Orlando, FL |
| First Acceptance | <550 | $245 | $2,940 | Orlando, FL |
| Assurance America | <550 | $277 | $3,328 | Orlando, FL |
| Embark General | <550 | $306 | $3,669 | Orlando, FL |
Cheapest car insurance for drivers with at-fault accidents in Orlando
An at-fault accident typically causes your premium to rise, so if you’ve recently been in one, it’s a good idea to compare quotes from multiple insurers once you’re near your renewal date to find the lowest-cost coverage. The following tables show how accidents affect your premiums, based on Jerry’s quote data.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| At Fault With Injury | $266 | $3,192 | Orlando, FL |
| At Fault With No Injury | $346 | $4,150 | Orlando, FL |
| Not At Fault | $325 | $3,902 | Orlando, FL |
Cheapest policies for drivers with at-fault accidents with no injury in Orlando
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Aspire Advantage | $82 | $985 | Orlando, FL |
| Anchor General | $111 | $1,334 | Orlando, FL |
| First Acceptance | $150 | $1,796 | Orlando, FL |
| Progressive | $285 | $3,424 | Orlando, FL |
| National General | $316 | $3,795 | Orlando, FL |
Cheapest car insurance for drivers with at-fault accidents with injury in Orlando
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Gainsco | $209 | $2,506 | Orlando, FL |
| Embark General | $236 | $2,833 | Orlando, FL |
| Assurance America | $240 | $2,878 | Orlando, FL |
| National General | $260 | $3,123 | Orlando, FL |
| Progressive | $274 | $3,286 | Orlando, FL |
Cheapest car insurance for drivers with speeding tickets in Orlando
A speeding ticket is likely to raise your insurance costs. If you’ve recently been cited for speeding, it’s wise to rate shop before renewing your policy. Here are the average rates that Orlando drivers with speeding tickets on their records have been quoted via Jerry.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Speeding over 15 | $367 | $4,402 | Orlando, FL |
| Speeding under 15 | $244 | $2,931 | Orlando, FL |
These insurers provide the most affordable insurance policies to Orlando drivers with speeding tickets on their records, according to Jerry’s quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Root | $245 | $2,937 | Orlando, FL |
| Safeco | $261 | $3,130 | Orlando, FL |
| National General | $264 | $3,163 | Orlando, FL |
| Infinity | $278 | $3,338 | Orlando, FL |
| Progressive | $290 | $3,480 | Orlando, FL |
Cheapest car insurance for drivers with DUIs in Orlando
A DUI can cause your premium to rise and may limit the number of insurers that will work with you, meaning you may have to spend more time searching for a low-cost policy. These insurers offer the cheapest insurance quotes to Orlando drivers with DUIs, per Jerry’s customer quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| National General | $128 | $1,540 | Orlando, FL |
| Progressive | $146 | $1,756 | Orlando, FL |
| Embark General | $159 | $1,904 | Orlando, FL |
| Root | $207 | $2,482 | Orlando, FL |
| The General | $315 | $3,785 | Orlando, FL |
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
