Most people are paying too much for insurance! It is ridiculous to pay more than you have to for auto insurance. In this article, I will help you to find cheap car insurance in Orlando, FL.
I will also help you to know legal minimum coverage requirements in Orlando, average car insurance rates, and more. Make sure that you get quotes today to receive the best rates.
Cities in Orange County, Fl
- Alafaya
- Apopka
- Azalea Park
- Bay Hill
- Bay Lake
- Belle Isle
- Bithlo
- Christmas
- Clarcona
- Conway
- Doctor Phillips
- Eatonville
- Edgewood
- Fairview Shores
- Four Corners CDP
- Goldenrod
- Gotha
- Holden Heights
- Horizon West CDP
- Hunters Creek
- Lake Buena Vista
- Lake Butler
- Lake Hart
- Lake Mary Jane CDP
- Lockhart
- Maitland
- Meadow Woods
- Oak Ridge
- Oakland
- Ocoee
- Orlando
- Orlovista
- Paradise Heights
- Pine Castle
- Pine Hills
- Rio Pinar CDP
- Sky Lake
- South Apopka
- Southchase
- Taft
- Tangelo Park
- Tangerine
- Tildenville
- Union Park
- University CDP
- Wedgefield
- Williamsburg
- Windermere
- Winter Garden
- Winter Park
- Zellwood
Average Car Insurance Rates In Orlando, FL
With consumers always looking for the best deals for auto insurance, companies have begun to vary their services and create a multitude of options for personalized plans. The most popular companies in Orlando are also the ones that offer the best deals on premiums.
How Orlando Ranks To Other Cities In Florida For Auto Insurance.
With the booming population in Orlando, FL, car insurance rates have seen increases over the last decade. Finding the right insurance for Orlando motorists is a matter of price, as well as services. On average, drivers in Orlando pay about $400-500 more than anywhere else in Florida, and $500-600 more than the rest of the country. Florida was rated as the eighth most expensive state for car insurance. Compared to auto insurance in Fort Lauderdale, Florida, Orlando is around $300 cheaper.
Although, while generally Orlando insurance can be high, consumers can often find deals and discounts because a high volume of insurance companies serve the Orlando area. In one study, the Florida Farmers Bureau and GEICO had the lowest rates for Orlando clients.
Orlando Accident Statistics
Being a populous area, Orlando sees a variety of accidents per day. These numbers directly contribute to the high insurance rates Floridians tend to see.
In 2017, Florida saw over 250,000 accidents, 1.5 of which resulted in an injury. Nearly half of these accidents also resulted in property damage. These rates are on the rise simply due to the fact that Orlando is a fast-growing area. Thousands move to Florida every year. Florida also attracts a variety of tourists from all over the world every year.
Those living in the Orlando area can expect accident statistics to rise along with the state’s population.
Orlando Crime Rates
Orlando is known as a beautiful tourist attraction with places such as Magic Kingdom, Universal Studios, Sea World, and more. They are also known for their huge malls and shopping centers such as the huge Florida Mall, Mall at Millennia, and more. With that said, although there is much to love about Orlando, just like everywhere in the world there is much to dislike as well. Orlando has a higher crime rate than Kissimmee and Sanford. Orlando is safer than 3% of U.S. Cities. In 2016, over 1200 car thefts were reported in Orlando. With higher crime rates usually there will be higher insurance rates.
Legal Minimum Coverage Requirements In Florida
Most states have insurance minimums that all consumers are required to purchase. Florida is a no-fault insurance state. This means that your car insurance policy must cover medical costs (up to the policy’s limit), no matter who caused the accident.
The minimum requirements for Florida auto insurance includes $10,000 of no-fault or personal injury protection coverage, as well as $10,000 of property damage liability. Failure to update insurance can cause the state to temporarily suspend licenses.
These minimum rates will cover any other family members in the car, protects consumers who are injured in someone else’s car during an accident, protects the client in case of bicycle and pedestrian accidents, and covers passengers who do not have their own insurance at the time of a car accident.
Orlando Traffic
With grand theme parks attracting tourists from all over the world, as well as a population that is continuously growing, Orlando sees some of the worst traffic in the U.S. Recently in a study, Orlando was ranked 28th out of 240 cities with the worst traffic. That means Orlando barely missed the top 10 percent.
Orlando’s high traffic and high accident rates all contribute to the rising costs of auto insurance in Orlando. However, by comparison shopping and taking advantage of the various discounts offered to Florida auto, and home owners, there are many options to find a package with a premium that works.
GEICO – Orlando drivers love GEICO for their customer service and custom packages offering lower premiums. GEICO has more than 30,000 local agents, and insures more than 23 million vehicles across the country. The Better Business Bureau gave GEICO an A+ rating. In a J.D. Power Auto Claims Satisfaction Study, GEICO rated 4 out of 5 power circles, an above average rating. Financially, the company is in excellent standing according to A.M. Best, which gave GEICO an A++, and Standard & Poor’s, which gave GEICO an AA+, which is a very strong rating. In addition, GEICO offers a variety of discounts for safe drivers, good students, military personnel, and those who have multiple policies.
Local GEICO agents in Orlando
- Joe Donoho – 5005 East Colonial Drive Orlando, FL 32803
Florida Farm Bureau – This organization began as a group that represents farmers and others in the agricultural industry, and has since grown into one of Florida’s largest auto insurers. Farm Bureau sells insurance through local agents and sometimes companies. Premium prices vary depending on agents. The company does have high financial strength ratings. A.M. Best rated FFB at A- (excellent), and the BBB gave them a score of A+ for customer service. The Florida Farm Bureau also offers discounts on multi-car policies and safe drivers. They also offer an insurance package that includes pets and vet bills, if there is an accident.
Farm Bureau locations in Orlando
- Florida Farm Bureau – 4241 N John Young Pkwy, Orlando, FL 32804
Allstate – For Florida drivers, Allstate is not always on the list of cheapest premiums, however, it offers excellent services and many discounts that allows their members to save. Allstate’s website and phone app are easy-to-use, making service convenient. Allstate’s online tools are incredibly helpful resources, though its coverage options are limited in comparison to other top insurance companies. Allstate received an A- grade from the BBB, due to low complaint volume and their ability to answer complaints. In addition, Allstate has well-rated roadside assistance services available for clients. J.D. Power surveys gave Allstate overall above-average ratings in almost all categories. Allstate, being the country’s third largest insurer, also pulled in incredibly high grades from A.M. Best, Moody’s, and S&P (A+, Aa3, and AA-, respectively).
Local Allstate agents in Orlando
- Amy Rossi – 901 N Mills Ave, Orlando, FL 32803
- Luis Diaz – 1634 Hillcrest St, Orlando, FL 32803
- K. Shawn Keiling – 614 W Michigan St, Orlando, FL 32805
- Mirza Beg – 1417 N Semoran Blvd Ste 107, Orlando, FL 32807
Freeway Insurance – The great part about Freeway Insurance is their service extends all over the country. Even for those who can’t find a local office, Freeway services can be provided over the phone. Freeway offers agents who speak both English and Spanish to better accommodate their client needs. Freeway also offers a variety of discounts for drivers for good driving, military members, multiple plans/cars, home purchases, and more. With a variety of discounts and custom plans, Freeway Insurance premiums can be on the lower end. Freeway was rated very highly in terms of financial strength and reliability. A.M. Best gave them excellent reviews, and the Better Business Bureau rated Freeway with an A+.
Freeway locations in Orlando
- Freeway Insurance Services – 1449 N Pine Hills Rd, Orlando, FL 32808
21st Century – While 21st Century is smaller than some of its counterparts, and rarely offers local agents, consumers still rave about their service. The BBB gave them an A+ for their work with clients. Premium rates can be high in areas like Orlando, but 21st Century offers enough of a variety of discounts that can drive premium price down. The company received an A from A.M. Best in terms of financial strength. Consumers also reported that their technology is relatively simple to use, and although it doesn’t have some of the features that other companies do, clients can still do the basics from the app and the website.
21st Century locations in Orlando
- 21st Century Insurance – 640 Century Point, Lake Mary, FL 32746
Esurance – Esurance is excellent for clients who want to customize their plans and still see lower insurance premium rates, as well as clients who rely on technology like online tools to manage their policies. Esurance is continuously growing and adding new services and clients. They offer a variety of discounts for new customers or those switching from another insurance policy, or even for customers who buy roadside insurance from other companies. Their technology makes it easy to file claims and collect emergency claims money in the meantime. A.M. Best gave Esurance an A+, which is a superior rating, while the BBB also rated them an A+.
Direct General – I was able to receive a very low auto insurance quote with Direct General and I’ve known many people who used them and had no problems with their insurance services. Direct General offers great discounts, customizable plans, and excellent roadside assistance that can help cover medical or auto costs. However, Direct General doesn’t have as many local agents as other companies, and mostly only services the Southwestern USA. Direct has a B+ rating from A.M. Best, which is a stable score, and a B+ from the BBB.
Direct Auto and Life Insurance locations in Orlando
- Direct – 4590 S Kirkman Rd, Orlando, FL 32811
Bottom line
Orlando is expensive compared to other cities in the world. However, there are many ways that you will be able to save on auto insurance. One way is by choosing the right company. We have listed various companies that will give you good rates. Now I recommend you to compare quotes, which can be done in less than 2 minutes.