Orlando Auto Insurance Rates, Quotes, Agents & Reviews in FL

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.

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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 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

Geico
I 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.
Usaa
The 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.
Usaa
USAA 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.
Nationwide
I 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.
Usaa
My 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.
Usaa
My 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.
Travelers
The 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.
Travelers
The 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 Insurance
I am not satisfied with LA Insurance coverage compared to others because they are way too high.Higher than other companies in my area.
La Insurance
I am not satisfied with LA Insurance coverage compared to others because they are way too high.Higher than other companies in my area.
Usaa
USAA offers a great roadside assistance program, a very nice app and the customer service is outstanding in my experience.
Usaa
USAA 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 Farm
My 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.
Aaa
i 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..
Progressive
The only thing that kind of bothers me is signing into their website on a mobile device can be a bit of a pain sometimes.
Mercury
I 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 Insurance
I 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
Progressive
Overall, 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.
Geico
My premiums have always been reasonable with Geico. I did recently start paying more monthly but that's due to buying a more expensive car.
Mercury
I 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.
Geico
I 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.