Car Insurance Quotes in Orlando, FL - Rates Starting at $50/Month

Orlando is one of the most popular tourist destinations in the United States, drawing over 75 million visitors per year. But for the 2.6 million residents who call Orlando home, day-to-day life involves more than just trips to Disney World or Universal Studios. An important consideration for locals is finding affordable car insurance to protect their vehicles on Orlando's busy streets.

Auto insurance rates in Orlando can vary widely depending on your age, driving record, credit score, vehicle type, and other factors. On average, drivers in Orlando pay around $1,800 per year for full coverage car insurance. However, drivers with excellent credit and clean driving histories often pay 25% less.

This comprehensive guide will explain everything you need to know about getting car insurance quotes in Orlando, including:

• How insurance rates are determined
• Recommended coverage types and limits
• Ways to save on your Orlando premiums
• A list of the top insurers in the local market
• Expert tips for comparing quotes and choosing a provider

Armed with the right information, Orlando drivers can feel confident they are getting the best rates and coverage to meet their needs.

How Car Insurance Rates Are Calculated in Orlando

Insurance companies use a variety of factors to determine your risk profile and customize your auto policy premium. Here are some of the top criteria they evaluate:

Driving and Credit History

Your driving record and credit-based insurance score are two of the biggest factors impacting premiums. Insurance providers look back 3-5 years at:

• Traffic violations like speeding or DUIs
• At-fault accidents
• Lapses in insurance coverage

Maintaining a clean driving record with no accidents or tickets can save you hundreds per year in Orlando. Your credit history is also important, as insurers have found a correlation between credit scores and claim risk. Drivers with Very Good or Excellent credit tend to file fewer claims.

Age and Gender

Insurers charge higher rates for teen drivers under 20, as they are statistically more likely to get in accidents. Rates start decreasing around age 25 when drivers have more experience. Gender is also a factor, with young male drivers generally paying more than females due to higher risk.

Location

Where you live, park your car, and drive can influence premiums. Urban areas like downtown Orlando tend to have higher rates due to more accidents, thefts, vandalism, and uninsured motorists. Suburbs and rural ZIP codes outside the city center often enjoy lower premiums.

Vehicle Use

Do you use your car for pleasure only or long work commutes? Mileage is a pricing factor, as insurance actuaries can correlate higher miles driven with more accidents. Commuters and business use will raise rates.

Vehicle Type

Insurers assign a class rating to all vehicles based on repair costs, safety features, accident rates, and theft frequency. Sports cars, luxury brands, and large SUVs generally fall into higher insurance groups that cost more to insure.

Coverages and Deductibles

The specific insurance coverages, limits, and deductibles you select impact pricing significantly. Minimum liability limits are cheaper, while higher amounts cost more but provide better protection. Higher deductibles also reduce premiums.

Now that you understand how car insurance rates are determined, let's look at how Orlando drivers can start collecting quotes and finding savings.

Comparing Car Insurance Quotes in Orlando

Shopping around and comparing quotes from multiple insurers is the only way to find the best car insurance rates in Orlando. Rates can vary by hundreds of dollars between different providers for the exact same coverage.

There are a few ways Orlando drivers can collects quotes for comparison:

Getting Quotes Online

The easiest way to compare multiple auto insurance rates is by visiting company websites or using quote comparison sites. You can get customized Orlando quotes in minutes without even picking up the phone.

Online quotes are quick and convenient, allowing you to easily view premium estimates from national insurers like Geico, Progressive, Allstate, and more. Comparison sites like TheZebra.com let you enter your details once and receive rate estimates from over 15 providers.

Working with Independent Agents

An independent insurance agent shops rates with multiple carriers on your behalf. They can provide quotes from large national companies as well as smaller regional and local insurers. Independent agents offer expert guidance to help you pick the right coverages.

Calling Individual Insurers

You can call insurers directly to speak with an agent and request a rate quote. This traditional method is time consuming, requiring you to call each company individually. However, some drivers prefer the personalized service of talking to an agent.

No matter how you choose to get Orlando insurance quotes, be sure to compare the same coverages between providers for an apples-to-apples comparison.

Important Quote Factors

When obtaining car insurance quotes in Orlando, having the following information handy will ensure you get accurate rate estimates:

• Full name, date of birth, address for all drivers
• Driver's license numbers and marital status
• VIN numbers of all vehicles to be insured
• Current mileage estimates and usage
• Desired coverage limits and deductibles
• Make, model, year of all cars
• Current insurer and policy number

Getting multiple quotes with this required info allows for true comparison shopping. Make sure you are comfortable with the provider, coverage options, customer service and price before choosing a car insurance policy.

How Much Car Insurance Do You Need in Orlando?

Florida has relatively low minimum insurance requirements compared to other states. But experts strongly recommend purchasing more than just the minimum liability coverage.

Here are the current Florida minimums along with recommended limits:

Coverage	Florida Minimum	Recommended
Bodily Injury Liability	$10,000 per person, $20,000 per accident	$100,000 per person, $300,000 per accident
Property Damage Liability	$10,000 per accident	$100,000 per accident
Personal Injury Protection	$10,000	$10,000
Uninsured Motorist Bodily Injury	Not Required	$100,000 per person, $300,000 per accident
Comprehensive	Not Required	Yes, with $500 deductible
Collision	Not Required	Yes, with $500-$1,000 deductible

Liability coverage protects you if you cause an accident resulting in injuries or property damage. Florida has very low minimums, but experts recommend $100,000/$300,000 to fully protect your assets.

Collision and comprehensive cover damage to your own vehicle from collisions, theft, vandalism, weather, etc. They are not required but highly recommended.

PIP covers medical expenses for you and your passengers after an accident, regardless of fault. $10,000 is the minimum and also the maximum required in Florida.

Uninsured motorist coverage is also not required but protects you if you're hit by a driver with no insurance.

Choosing lower liability limits or eliminating collision/comprehensive to save money can be risky for Orlando drivers. Make sure you feel comfortable with your selected coverage amounts before purchasing a policy.

Finding the Cheapest Car Insurance Companies in Orlando

While every driver's situation is different, these insurers tend to offer the lowest average rates in Orlando currently:

• Geico
• Progressive
• State Farm
• Allstate
• Travelers

However, the cheapest company for you can vary based on your age, vehicle, driving history and other factors. That's why getting multiple quotes is so important.

Let's look at some of the ways Orlando drivers may be able to save on their car insurance:

• Maintain good credit - Drivers with a credit score over 760 save an average of 61% compared to those under 600.
• Ask about discounts - Take advantage of any company discounts like safe driver, low mileage, multi-policy, etc.
• Raise deductibles - Increasing deductibles from $500 to $1000 could reduce premiums 15-30%.
• Compare quotes frequently - Shop rates from new providers every 6 months as prices change.
• Limit teen drivers - Ask about restrictions to minimize premium hikes for teen/college students.
• Inquire about usage-based options - Some companies offer discounts for driving safely and minimally.
• Take a defensive driving course - Many insurers offer a discount for completing an approved online or classroom course.
• Drop collision/comprehensive on older cars - For cars over 10 years old, it may be cheaper to drop this coverage.
• Seek out discounts - See if your employer, school, or organization has partnered for a group insurance deal.

Finding the cheapest car insurance in Orlando takes some work. But you could potentially save $500 or more per year by following these tips.

Top Auto Insurance Companies in Orlando, FL

Orlando is home to over 20 national and regional insurance providers competing for your business. Here are some of the top insurers based on market share, financial strength, customer satisfaction, and affordability:

State Farm

With 18% market share in Florida, State Farm is the #1 provider in Orlando. They have strong financial backing, good Better Business Bureau (BBB) rating, and decent claims satisfaction scores. State Farm offers standard discounts like safe driver, defensive driving, and multi-policy. Rates run middle-of-the-pack in Orlando, with an average annual premium of $1,822.

Geico

Geico currently holds 13% market share in FL, second only to State Farm. They are the second largest auto insurer nationally praised for low rates and easy quoting/claims processes. Geico offers standard discounts plus accident forgiveness and emergency deployment. Average annual rates in Orlando are around $1,592.

Progressive

Progressive captured 9% of the Florida auto insurance market. They are known for competitive pricing and innovative options like Name Your Price tool, Snapshot usage-based program, and Immediate Response claims service. Progressive offers standard discounts including multi-policy and teen driver. Average Orlando premium is $1,965 per year.

Allstate

With 5% Florida market share, Allstate is a major national insurer with strong financial backing. Allstate has managed claims services and competitive rates for high-risk drivers. Their Orlando premium average is $2,125 annually. Discounts include safe driving, anti-theft devices, new car replacement, and accident forgiveness.

AAA

AAA is unique since it's a member organization. Membership is required to obtain insurance. They have strong financial backing, excellent claims satisfaction, and member discounts. Average annual rates in Orlando are around $1,878.

Expert Tips for Finding the Best Car Insurance in Orlando

Follow these tips from insurance experts to find the ideal auto insurance policy in Orlando with the right protections and price:

Compare Quotes From at Least 3 Companies

Shopping rates from multiple insurers is the only way to find the best deal. Be sure to compare the exact same coverages between quotes. Getting quotes online makes rate comparisons fast and easy.

Ask About All Available Discounts

Don't leave savings on the table by missing potential discounts! Ask providers to identify any discounts you may qualify for. Common options are bundling policies, safe driving, low mileage, defensive driving courses, anti-theft devices, and more.

Evaluate the Company's Financial Strength

Make sure your chosen insurance provider is financially sound and can pay out claims. Review the AM Best and Standard & Poor's financial strength ratings. Look for companies rated A or A+ for excellent financial backing.

Check Ratings for Customer Satisfaction

An insurer can have low rates but provide terrible service when you have a claim. Read reviews and check ratings with JD Power, BBB, and Consumer Reports to gauge customer satisfaction.

Understand All Coverages and Limits

Work with an agent to determine appropriate coverage limits and deductibles. Make sure you fully grasp what's covered and what limitations or exclusions apply. Don't sacrifice critical coverage just to save money.

Review Policy Annually at Renewal

Shop new quotes before your policy renews to ensure you still have the best rate. Providing the same info each year allows an accurate comparison. Your insurer may also lower your premium to retain your business.

FAQs

How Much is Average Car Insurance in Orlando?

The average annual premium for full coverage insurance in Orlando is around $1,800. However, rates vary significantly based on driver age, credit, vehicle, record, and other factors. Some Orlando drivers pay as little as $900 per year.

What Auto Insurance Companies Have the Cheapest Rates in Orlando?

Currently Geico, Progressive, Travelers, and AAA offer some of the lowest average premiums in Orlando. However, every driver's situation is different, so shop quotes from multiple insurers.

What Discounts Can Reduce My Orlando Premiums?

Common discounts that can lower your Orlando premiums include safe driver, defensive driving completion, low mileage, anti-theft devices, good student, multi-policy, group affiliation, good credit, and accident forgiveness.

How Much Car Insurance is Required in Florida?

Florida requires only $10,000 bodily injury liability per person, $20,000 per accident, $10,000 property damage liability, and $10,000 personal injury protection. Experts recommend 100/300/100 liability limits.

Is Auto Insurance Cheaper in Orlando Suburbs?

Generally yes – average car insurance rates tend to be lower in Orlando suburbs compared to the city center. Each suburb is different, so get quotes based on your specific residential ZIP code.

Finding the Best Orlando Car Insurance Rates

I hope this comprehensive guide has provided the information you need to find affordable auto insurance quotes in Orlando, FL. The key is shopping multiple insurers to compare rates.

Focus on finding a provider with competitive pricing combined with strong financial backing, good customer service, and coverages that meet your needs. Comparing personalized Orlando quotes will ensure you find the right policy at the best available rate.

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