Updated December 15, 2025

4 Best Tips For Buying Cheap Car Insurance in Orlando, FL

Florida cheapest insurance

4 Best Tips For Buying Cheap Car Insurance in Orlando, FL

Jerry has helped customers find affordable coverage in Florida since 2019. In Orlando, here are some key numbers from the past six months:

  • Jerry has helped 3,285 drivers to compare 16 insurance providers.

  • Majority of quotes range from $127 to $395 per month.

  • On average, Jerry users who switched to a lower quote saved $49 to $185 per month.

If you want an easier way to compare car insurance options, Jerry can help find quotes in just minutes.

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How Jerry finds car insurance savings for Orlando drivers

If you’ve noticed your car insurance premium going up, you’re not the only one. Jerry helps Orlando drivers find more affordable coverage by comparing up to 16 insurers in just minutes. Here’s a look at real quotes Jerry customers in Orlando found when they shopped around.

Recent quotes

Last Updated Dec. 16, 2025

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.


Learn more: Best car insurance in Florida


If you’re looking to get the best deal on your car insurance, below are four top tips that Jerry’s agents have found.

Jerry Agent Tip 1: Compare quotes to find the cheapest insurer

Drivers in Orlando can often save money just by checking quotes from different insurance companies. Each insurer rates your driving history in its own way, so one company might offer a lower price than another for the exact same coverage. 

Shopping around is one of the simplest ways to find the cheapest insurance for your needs. Here you can see how recent Jerry customers have received different quotes for the same coverage:

Recent customer quotes

Last Updated Dec. 16, 2025

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Why it matters: Shopping around for car insurance can save money but is time-consuming. Jerry reduces the hassle and helps you compare quotes in minutes.

Jerry Agent Tip 2: Apply discounts to maximize your savings

Drivers in Orlando can lower their premiums by taking advantage of discounts like having a safe driving record, getting a quote ahead of time or going paperless. These savings can help you get a lower quote without giving up the coverage you need. Jerry automatically searches for every discount you qualify for so you never miss a chance to save.

Key takeaway: You may not have activated all of your available discounts. Use Jerry’s app to find out which discounts you qualify for.

Jerry Agent Tip 3: Review coverage to maximize savings and protection

Optimizing your coverage starts with understanding how each level protects you. Lower coverage keeps premiums down, but offers limited financial protection in a severe accident. Higher tiers add more protection, including coverage for your own car, uninsured drivers and rental reimbursement. Here are the options Orlando drivers can choose from to find the right combination of price and protection:

Minimum

$82$161/mo

Includes PIP and property damage liability. It does not cover injuries you cause to others or damage to your own vehicle.

Full

$159$313/mo

Adds collision and comprehensive coverage, which are typically required if your car is leased or financed.

Standard

$370$747/mo

Adds uninsured/underinsured motorist coverage, critical in Florida where more than 1 in 5 drivers is uninsured.

Preferred

$369$671/mo

Includes higher liability limits, lower deductibles and extras like towing or rental reimbursement for stronger overall protection.

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Jerry recommends: Weigh your protection needs against your budget, then use the Jerry app to get real-time quotes based on the coverage levels you choose.

  • Coverage definitions
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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

  • Check your car’s value (Jerry tracks this for you monthly).

  • Choose what you can afford out-of-pocket.

  • See how deductibles change your rate in real time.

The Jerry difference: Jerry shows you real-time savings across multiple deductible levels, so you can confidently choose the balance between cost and coverage that fits you best.

Drive with confidence

Accidents, bad weather, and unexpected repair bills happen, which is why the coverage you choose really matters. Jerry helps drivers in Orlando compare affordable policies and find the protection that fits their budget. With the right coverage in place, driving feels a lot more calm, safe and confident.

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Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes

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Our experts
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Xuyun Zeng

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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