How to Find the Cheapest Orlando Car Insurance Rates

It takes a few minutes, but the best way to get discount auto insurance rates is to annually compare prices from companies in Orlando. You can shop around by completing these steps.

First, take a few minutes and learn about coverages and the measures you can control to drop your rates. Many rating criteria that cause high rates like speeding tickets, accidents and a low credit score can be amended by making minor changes to your lifestyle. This article provides additional ideas to help keep prices low and get additional discounts that may be available.

Second, compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like GEICO and State Farm, while agents who are independent can provide rate quotes for a wide range of companies.

Third, compare the new quotes to the price on your current policy to see if you can save by switching companies. If you can save some money, verify that coverage does not lapse between policies.

Fourth, tell your current agent or company of your intent to cancel your current auto insurance policy. Submit payment and a completed application to the new company. Once the paperwork is finalized, put the proof of insurance paperwork in an easily accessible location in your vehicle.

A tip to remember is to use the same amount of coverage on every quote request and to quote with every company you can. Doing this enables a fair price comparison and a complete selection of prices.

Getting the cheapest price on auto insurance coverage depends on many different factors, but the average price paid in Orlando is roughly $1,400 for an annual policy. On average, drivers in other states pay about $1,250, so Orlando residents pay approximately $180 more each year than other American drivers.

Car insurance prices in Orlando are based on many different variables, and one of the largest factors is the type of car or truck you own. The pricing data below shows insurance cost for the top-selling vehicles bought in Orlando.

Insurance Rates for Popular Cars in Orlando
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $1,290 $645 $108
Ford Fusion Hybrid 4-Dr Sedan $1,590 $795 $133
Honda Accord EX-L 4-Dr Sedan $1,176 $588 $98
Honda Civic Hybrid 4-Dr Sedan $1,372 $686 $114
Hyundai Elantra SE 4-Dr Sedan $1,340 $670 $112
Hyundai Sonata Limited 4-Dr Sedan $1,442 $721 $120
Nissan Altima 3.5 SR 2-Dr Coupe $1,524 $762 $127
Toyota Corolla XLE $1,340 $670 $112
Volkswagen Jetta S 4-Dr Sedan $1,258 $629 $105
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Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rates do not factor in your specific Orlando location which can influence coverage rates significantly.

Auto Insurance Rates for Popular Pickup Trucks in Orlando
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado LS Extended Cab 4WD $1,258 $629 $105
Dodge Ram 2500 Mega Cab SLT 4WD $1,588 $794 $132
Dodge Ram Quad Cab ST 2WD $1,246 $623 $104
Ford F-150 XL Crew Cab 4WD $1,208 $604 $101
Ford F-250 XLT Turbo Diesel 4WD $1,540 $770 $128
Ford F-350 XLT Crew Cab 2WD $1,436 $718 $120
GMC Canyon SLT Crew Cab 4WD $1,290 $645 $108
GMC Sierra 3500HD SLT Extended Cab 2WD $1,404 $702 $117
GMC Sierra SLE Crew Cab 2WD $1,372 $686 $114
Toyota Tundra Double Cab 4WD $1,360 $680 $113
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Information does not factor in specific garaging location which can revise prices substantially.

Car Insurance Rates for Popular SUVs and Crossovers in Orlando
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Traverse LS 2WD $1,094 $547 $91
Ford Escape Limited 2WD $1,094 $547 $91
Ford Explorer Limited 4WD $1,290 $645 $108
GMC Acadia SLT 2WD $1,258 $629 $105
Honda CR-V LX 2WD $1,062 $531 $89
Honda Pilot LX 2WD $1,176 $588 $98
Jeep Grand Cherokee Laredo 4WD $1,258 $629 $105
Jeep Patriot Sport 2WD $1,144 $572 $95
Lexus RX 350 2WD $1,556 $778 $130
Nissan Pathfinder S 4WD $1,176 $588 $98
Subaru Forester X AWD $1,208 $604 $101
Toyota Highlander SE 4WD $1,404 $702 $117
Toyota RAV4 2WD $1,258 $629 $105
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Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium costs do not factor in Orlando location which can lower or raise price quotes substantially.

Earn discounts to get lower-cost Orlando car insurance quotes

The chart below visualizes the comparison of insurance premiums with and without policy discounts. The premiums are based on a female driver, no violations or accidents, Florida state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, multi-car, safe-driver, and claim-free discounts applied.

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Orlando, Florida Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Top 10 cheapest vehicles to insure in Orlando, FL
Honda Fit
Hyundai Accent
Mini Cooper
Chrysler PT Cruiser
Honda Accord
Chevrolet Colorado
Hyundai Elantra
Ford Escape
Kia Rondo
Mazda MX-5 Miata
Top 10 most expensive vehicles to insure in Orlando, FL
Mercedes-Benz S65 AMG
Mercedes-Benz CL65 AMG
Audi R8
Mercedes-Benz CL600
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
BMW M6
Mercedes-Benz S63 AMG
Mercedes-Benz CL550
Top 10 safest vehicles to insure in Orlando, FL
Toyota FJ Cruiser
Chevrolet Silverado 2500HD
Chevrolet Suburban
GMC Acadia
Chevrolet Silverado
Jeep Grand Cherokee
Jeep Liberty
Volvo XC60
Ford Fusion
GMC Sierra 2500HD