Orlando, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Orlando, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Top 5 Car Insurance Companies in Orlando, FL, by Market Share
The average cost of auto insurance in Orlando, FL, is $1,425. This is much lower than the cost of auto insurance in neighboring places such as Edgewood, Sky Lake, Holden Heights, and Conway. Car owners can save more on auto insurance by comparing multiple insurance quotes from different car insurance companies. The cost of insurance depends on numerous factors, including one’s neighborhood. Depending upon factors such as the rate of auto thefts and the make and model of one’s car, the cost of insurance can vary from one neighborhood to another. Below is a list of the top 5 auto insurance companies in Orlando, FL.
GEICO:
GEICO leads the way in Florida, with a market share of 25.23%. It has 5,160,726 direct premiums written, and 5,081,055 direct premiums earned. GEICO continues to bring innovations into the field of insurance, the latest being its virtual assistant, KATE. GEICO has an A.M. Best rating of A++ and a J.D. Power rating of 827/1000 in Florida.
PROGRESSIVE:
Progressive is second on this list, with an A.M. Best Rating of A+ and a J.D. Power rating of 809/1000. It has a massive 3,749,329 direct premiums written, and 3,582,160 direct premiums earned. This earns Progressive a market share of 18.33% in Florida.
STATE FARM:
State Farm has a market share of 14.70%, with a J.D. Power rating of 834/1000, in Florida. The company also has an A.M. Best rating of A++. State Farm has 3,014,788 direct premiums written, and 3,047,953 direct premiums earned in Florida. State Farm makes it easy to shop for insurance with an immensely customer-friendly online portal.
ALLSTATE:
Allstate has 1,897,567 direct premiums written and 1,880,647 direct premiums earned. The company has a market share of 9.28% in Florida. Allstate also has an A.M. Best rating of A+ and a J.D. Power rating of 847/1000.
USAA:
USAA completes this list with a market share of 7.07%. It has 1,445,356 direct premiums written, and 1,431,650 direct premiums earned. This has earned USAA an A.M. Best rating of A++ and a J.D. Power Rating of 898/1000. This is the highest rating in Florida.
Factors that can influence the cost of car insurance in Orlando, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Orlando, FL Auto Insurance Rates
- Orlando, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Orlando, FL
- Multi Vehicle Insurance Savings in Orlando, FL
- How Credit Score Affects Car Insurance Rates in Orlando, FL
- How DUI Affects Auto Insurance Premiums in Orlando, FL
- Top Auto Insurance Agents Near Orlando, FL
- How Driving Violations Affect Auto Insurance Rates in Orlando, FL
- Orlando, FL Auto Insurance Discounts on Anti Theft Feature
- Orlando, FL Auto Insurance Company Reviews
Orlando, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Orlando, FL with that of other cities in and around Orlando.
| Orlando | Edgewood | Sky Lake | Holden Heights | Orange County | Conway | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,425 | $2,284 | $2,096 | $2,149 | $1,302 | $2,200 |
Orlando, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Orlando, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Orlando | $1,285 | $1,086 |
| Holden Heights | $2,884 | $2,436 |
| Edgewood | $1,399 | $1,181 |
| Conway | $964 | $814 |
| Belle Isle | $1,276 | $1,078 |
| Pine Castle | $1,971 | $1,665 |
| Orange County | $1,048 | $885 |
| Sky Lake | $1,598 | $1,349 |
Orlando, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Orlando, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,624 |
| 20 Years | $1,831 |
| 30 Years | $1,410 |
| 40 Years | $1,357 |
| 50 Years | $1,257 |
| 60 Years | $1,274 |
| 70 Years | $1,483 |
Orlando, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Orlando, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,480 | $371 |
| 3 Vehicles | $3,719 | $556 |
| 4 Vehicles | $4,959 | $741 |
Savings on 2 Vehicles bundle:$371
Savings on 3 Vehicles bundle:$556
Savings on 4 Vehicles bundle:$741
Orlando, FL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Orlando, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Orlando | $1,425 | $2,230 |
| Holden Heights | $2,149 | $3,363 |
| Edgewood | $2,284 | $3,575 |
| Conway | $2,200 | $3,443 |
| Belle Isle | $2,285 | $3,576 |
| Pine Castle | $2,106 | $3,296 |
| Orange County | $1,302 | $2,038 |
| Sky Lake | $2,096 | $3,280 |
Orlando, FL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,223 |
| Excellent (740-799) | $1,396 |
| Good (670-739) | $1,485 |
| Average (580-669) | $1,937 |
| Poor (300-579) | $2,324 |
Orlando, FL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Chris Vella | State Farm | 992 N Semoran Blvd, Orlando, 32807-3529 | 407-898-8836 |
| Madonna A. Morel | Allstate | 2531 Audrey Ave, Winter Park, 32789 | (407) 862-2019 |
| Andy Phillips | State Farm | 7608 W Sand Lake Rd, Orlando, 32819-5112 | 407-354-1320 |
| Simplicity Insurance Group, Llc | None | 5778 Major Blvd. Ste. 220-221, Orlando, 32819 | None |
| Florida Insurance Group | Travelers | 11531 LAKE UNDERHILL RD, ORLANDO, 32825 | 407-277-6000 |
| Marsh & Mclennan Agency Llc | Liberty Mutual Independent | 2807 EDGEWATER DR, ORLANDO, 32804 | (407) 849-0333 |
| Curtis Hunter | State Farm | 3354 Curry Ford Rd, Orlando, 32806-3487 | 407-898-0061 |
| Don Cerenzio | State Farm | 3726 N Goldenrod Rd Ste 2, Winter Park, 32792-8801 | 407-671-2100 |
| Aaa Insurance Agency | None | 783 S Orlando Ave , Winter Park, 32789 | None |
Orlando, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$63 | $1,488 |
| Driver's Failure In Showing Documents | +$138 | $1,563 |
| Driving With An Expired Registration | +$147 | $1,572 |
| Driving At A Considerably Slow Pace | +$309 | $1,734 |
| Using A Cellphone While Driving | +$326 | $1,751 |
| Running A Red Light | +$332 | $1,757 |
| Speeding | +$349 | $1,774 |
| Driving A Vehicle Without The Required Permission | +$443 | $1,868 |
| Driving With An Expired/Suspended License | +$960 | $2,385 |
Orlando, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,368 |
| Active Disabling Device | $1,368 |
| Tracking Device | $1,340 |
| Passive Disabling Device | $1,325 |
Latest Auto Insurance Reviews in Orlando, FL | Back to Top
GeicoI would say the offerings are very similar to other carriers. However, we did notice a nice long list of acceptable discounts that others do not offer.
UsaaThe policies provided where explained well and I understood all my options. USAA helped me in choosing the appropriate coverage I needed for our family vehicles.
UsaaUSAA has been wonderful to have as my auto insurance company. They can be reached 24/7 and always answer my questions. Their website is very helpful as well.
NationwideI have had the same auto insurance with several claims over 34 years and I have always received good customer service with prompt response and claims processing.
UsaaMy wife handles the premium, but I am satisfied that it is fair. I don't know much about other companies since I haven't priced things out in over 20 years. Again, I know that my premium is lower that most other companies.
UsaaMy wife handles the premium, but I am satisfied that it is fair. I don't know much about other companies since I haven't priced things out in over 20 years. Again, I know that my premium is lower that most other companies.
TravelersThe customer service was personalized. A representative got in touch with you to outline the exact details of your insurance policy. Representative knew her stuff and very straightforward.
TravelersThe customer service was personalized. A representative got in touch with you to outline the exact details of your insurance policy. Representative knew her stuff and very straightforward.
La InsuranceI am not satisfied with LA Insurance coverage compared to others because they are way too high.Higher than other companies in my area.
La InsuranceI am not satisfied with LA Insurance coverage compared to others because they are way too high.Higher than other companies in my area.
UsaaUSAA offers a great roadside assistance program, a very nice app and the customer service is outstanding in my experience.
UsaaUSAA provides a lot of insurance services for a really great price. My deductible is low, but I still have a lot of coverage. Plus they give me a good value for having multiple insurance policies.
State FarmMy premium is competitive with other insurance companies that I know of. I have bundled my home and auto insurance so that I can get a discount on my premium as well and I like that.
Aaai like the way the insurance benefits are covered and is the way they handle the customers by providing ample respect and options for the customers..
ProgressiveThe only thing that kind of bothers me is signing into their website on a mobile device can be a bit of a pain sometimes.
MercuryI like my auto insurance company supports military and its veterans and families. They are very reliable and do all the paperwork so you dont have to.
21st Century Auto InsuranceI really like the way you operate your measures and manage the necessary and required actions, as their result is always an optimal development and completion of the needs that the client may have in addition to its rapid response
ProgressiveOverall, Progressive is fast and their customer service is great. I like that I can do everything online and their claims process is fair and accurate.
GeicoMy premiums have always been reasonable with Geico. I did recently start paying more monthly but that's due to buying a more expensive car.
MercuryI appreciate that my company has low prices but they need to be lower and sto[ randomly going up when my coverage hasn't changed. I also don't like how expensive it is to add a new teen driver. As if it isn't hard enough for them to come up with money as it is now they're insurance is ridiculously expensive.
GeicoI have all the access I can with Geico 24/7. It is great to be able to get in touch with Geico whenever I need to. The policy has been great and the price I pay is definitely worth it.