With the general expense of owning a car, we all want affordable car insurance that will give us the protection we need.
If you’re looking for the best cheap auto insurance Orlando has to offer, we’ve got the nine best insurers, starting with Amica Mutual, our top pick.
Additionally, we will discuss the car insurance requirements in Florida, provide information on the best car insurance companies in Orlando, and answer frequently asked questions about car insurance in the city.
Cheap Car Insurance Orlando: Quick Overview
- Amica Mutual – Best cheap car insurance in Orlando overall
- Progressive – Best for accident forgiveness
- GEICO – Best insurance for bad credit
- American Family – Best customer service
- Allstate – Best safe-driving rewards
- Liberty Mutual – Best optional coverage add-ons
- State Farm – Best car insurance after a driving offense
- NationWide – Great for loyal customer perks
- USAA – Best for military
1. Amica Mutual – Best Cheap Car Insurance Orlando Overall
Pros
- Affordable insurance options
- Strong reputation for excellent customer service and claims handling
- Wide range of coverage options
- Opportunity to earn dividends
- Intuitive website
Cons
- Some reports of longer claims process
Overview
Amica Mutual is ranked as the top choice for cheap auto insurance in Orlando, Florida. With its affordable rates, exceptional customer service, and customizable coverage options, Amica Mutual provides a comprehensive insurance solution for drivers in the area.
With over 100 years of providing insurance, the company’s reputation and commitment to customer satisfaction make it a top contender.
Why We Chose Amica Mutual
Amica Mutual tops our list as the best cheap auto insurance provider in Orlando due to its combination of affordability, customer service, and coverage options. The company’s strong reputation and commitment to its policyholders make it a reliable choice for car insurance in the area.
In terms of customer service, Amica has the fewest customer complaints compared to competitors. Additionally, the company earned #1 for auto insurance claims customer satisfaction and #3 for auto insurance shopping on J.D. Power’s 2022 rankings.
Plans and Coverage
Amica Mutual offers a range of car insurance coverage options, including liability coverage, comprehensive coverage, collision coverage, and uninsured/underinsured motorist coverage. Policyholders can also add on additional coverage options such as roadside assistance and rental reimbursement.
Summary
Amica Mutual is the best overall choice for cheap car insurance in Orlando. With its affordable rates, excellent customer service, and customizable coverage options, Amica Mutual provides a reliable and comprehensive insurance solution for drivers in the area.
>>Find the best cheap auto insurance Orlando has to offer from Amica Mutual
2. Progressive – Best for Accident Forgiveness
Pros
- Offers accident-forgiveness, automatically forgiving small accidents
- Provides unique coverage types like rideshare and gap insurance
- High-level of customer satisfaction
- Offers solid discounts
Cons
- Higher than average rates for teen drivers
Overview
Progressive is the country’s second-largest auto insurance company, known for its extensive coverage options and discounts. The company has received positive ratings for its overall performance and offers unique coverage types like rideshare and gap insurance.
Why We Chose Progressive
We chose Progressive as a top pick due to its high overall performance rating and the variety of coverage options it offers. Its accident forgiveness program automatically forgives small accidents that cost less than $500. Progressive also provides forgiveness for larger claims through its loyalty program.
While customer satisfaction in some areas may be lower, Progressive’s strengths and unique coverage offerings make it a competitive choice.
Plans and Coverage
Progressive offers a wide range of coverage options, including rideshare insurance, gap insurance, and coverage for pets injured in a car accident. The company’s accident forgiveness program is available for customers who have experienced small accidents and those who have been with Progressive for five years or more.
Summary
Progressive is a reputable auto insurance company that offers a variety of coverage options and discounts. The insurance provider’s overall performance rating, unique coverage offerings, and accident forgiveness program make it a strong choice for cheap auto insurance in Orlando, FL.
>>Find the best cheap auto insurance Orlando Florida has to offer with Progressive
3. GEICO – Best Insurance for Bad Credit
Pros
- Lower than national-average annual rates
- Rates for minimum coverage at $336 a year
- Provides affordable coverage for drivers with poor credit
- Strong customer service, claims handling, and customer loyalty
Cons
- Rates for drivers with DUI higher than average
Overview
GEICO is a top car insurance company that offers affordable rates and comprehensive coverage options. It consistently ranks among the best in categories such as customer service, claims handling, and customer loyalty.
On top of this, GEICO provides some of the lowest average annual rates, making it an attractive choice for many drivers looking for cheap auto insurance in Orlando, FL. GEICO also offers an array of discounts to help customers save on their car insurance premiums.
Why We Chose GEICO
We chose GEICO as one of the best cheap auto insurance Orlando, FL, has to offer due to its affordable rates, comprehensive coverage options, and solid customer satisfaction ratings.
GEICO consistently offers some of the lowest average rates for both minimum and comprehensive coverage plans, and the provider gives drivers with bad credit coverage options they can afford. Plus, the company provides various discounts that can help drivers save even more on their premiums.
Finally, GEICO has a user-friendly website and app, making it convenient for customers to manage their policies and access support when needed.
Plans and Coverage
With GEICO, you get various optional add-ons such as emergency roadside assistance, rental car reimbursement, and mechanical breakdown insurance. Drivers can also customize their policies to include the level of coverage they require.
Summary
GEICO offers some of the lowest average annual rates for drivers, including those with bad credit, making it an attractive choice for many. With a wide range of coverage options and discounts, GEICO provides customers flexibility and savings.
>>Find the best cheap auto insurance Orlando FL has to offer from GEICO
4. American Family – Best Customer Service
Pros
- Wide selection of insurance policies
- Great set of discounts and telematics programs available
- Provides accident forgiveness options
- High customer satisfaction
Cons
- Website and mobile app could be more user friendly
- Pricier than many competitors
Overview
American Family is the nation’s ninth-largest auto insurance seller, known for its excellent customer service and claims handling. They offer a wide range of coverage options, including rideshare insurance and accident forgiveness. The insurance provider has competitive rates and a variety of discounts to help customers save on their premiums.
Why We Chose American Family
We chose American Family for its outstanding customer service, strong claims handling, and comprehensive coverage options. If you’ve been in an accident, the last thing you want to do is fight an insurance company.
American Family makes the claims handling process as smooth and fast as possible, getting you the money you need to repair or replace your damaged vehicle.
Plans and Coverage
American Family offers liability, rideshare insurance, and original equipment manufacturer coverage. They also provide accident forgiveness and multiple telematics programs for drivers, making them one of the best cheap auto insurance Orlando, FL has to offer.
Additionally, American Family provides other insurance products, such as life insurance, making it a convenient one-stop shop for insurance needs.
Summary
With a wide range of coverage options, discounts, and additional benefits like accident forgiveness, American Family provides comprehensive and reliable coverage for most customers.
>>Find the best cheap auto insurance Orlando has to offer from American Family
5. Allstate – Best Safe-Driving Rewards
Pros
- Diverse selection of coverage options
- Simple sign-up process
- Rewards safe driving through Deductible Rewards and Drivewise
- Strong online presence offering mobile and online tools
Cons
- Rates higher than national average
Overview
Allstate is a reputable insurance company that offers a wide range of coverage options for auto, home, and life insurance. With its easy sign-up process and convenient online tools, Allstate aims to provide a seamless experience for customers.
Why We Chose Allstate
We chose Allstate for its reputation as one of the largest auto insurers in the nation and its commitment to providing customizable policies and various discounts. The company’s focus on customer satisfaction, ease of use, and innovative features like Deductible Rewards and Drivewise.
Plans and Coverage
Allstate offers standard coverage for liability, comprehensive, and collision, as well as additional features like accident forgiveness, deductible rewards, and new car replacements.
Summary
Allstate offers the easiest sign-up process, diverse coverage options, and innovative features like Deductible Rewards and Drivewise. These features make it an attractive choice for individuals looking for a convenient and comprehensive insurance experience.
>>Find the best cheap auto insurance Orlando, FL has to offer with Allstate
6. Liberty Mutual – Best Optional Coverage Add-Ons
Pros
- Lots of options for coverages and discounts
- Competitive pricing in multiple categories
- Potential 30% discount through the RightTrack UBI program
- User-friendly digital tools
Cons
- Average ratings for claims and customer service
Overview
Liberty Mutual is a well-established insurance company with over a century of experience. It offers a variety of insurance products, including car insurance.
The company’s pricing is better than that of many competitors, particularly for teens and drivers in the 35-45 age range. Additionally, Liberty Mutual has a strong financial rating, ensuring its ability to fulfill claims.
Why We Chose Liberty Mutual
We chose Liberty Mutual as one of the best options for coverage add-ons due to its wide selection of coverage options and discounts. The company offers a range of choices to customize your policy, allowing you to tailor it to your specific needs. This includes options like accident forgiveness, deductible savings fund, better car replacement, and roadside assistance.
The company also has the RightTrack UBI program, which offers discounts of a maximum of 30% if clients agree to share driving data.
Plans and Coverage
Liberty Mutual offers a comprehensive selection of coverage options to meet your needs. These include liability, personal injury protection, uninsured motorists, collision, and comprehensive coverages.
Summary
Liberty Mutual offers affordable coverage for various driver demographics, providing customizable policies with optional add-ons. With solid discounts and a strong financial rating, Liberty Mutual provides some of the best cheap auto insurance Orlando, FL has to offer.
>>Find the best cheap auto insurance Orlando, FL has to offer from Liberty Mutual
7. State Farm – Best Car Insurance After a Driving Offense
Pros
- Strong reputation with well-known brand name
- Excellent customer service
- Highly-rated online platform and mobile app
- Strong financial standing
Cons
- Not a wide range of price options for coverage
Overview
State Farm is a top choice for cheap auto insurance in Orlando, particularly for those who value a well-established brand, a wide range of coverage options, and competitive pricing. With its strong financial stability and positive customer experience, State Farm is a reliable option for drivers seeking quality coverage and excellent customer service.
Plus, the company’s user-friendly online platform and mobile app further enhance the overall customer experience.
Why We Chose State Farm
Due to its exceptional performance ratings, reliable financial strength, and extensive product offerings, we selected State Farm as the best car insurance option after a driving offense. State Farm’s commitment to customer satisfaction, demonstrated by its low complaint ratio, sets it apart from other insurers.
The company also is more forgiving than most competitors. It offers cheap auto insurance Orlando residents can take advantage of even if they have a speeding ticket, at-fault accident, or a DUI.
Plans and Coverage
State Farm has a wide range of car insurance coverage options, including liability, comprehensive, collision, medical payments, and uninsured/underinsured motorist coverage. The company also provides additional benefits such as rental car and travel expense coverage, which sets it apart from its competitors.
Summary
State Farm is a leading car insurance provider that excels in overall performance, customer satisfaction, and financial stability. With its wide range of coverage options, competitive pricing, and excellent customer support, State Farm is an ideal choice for drivers, even after a driving offense.
>>Find the best cheap auto insurance Orlando, FL has to offer from State Farm
8. NationWide – Great for Loyal Customer Perks
Pros
- Tons of coverage options, including bundling
- Offers loyalty rewards program
- Discount options
- User-friendly app and website
Cons
- Pricier option compared to competitors
Overview
Nationwide is a well-established insurance company that offers comprehensive auto insurance coverage along with various additional options and perks. While the pricing may not be the most competitive, Nationwide compensates with a range of coverage options, loyalty rewards, and optional programs that can enhance the overall customer experience.
The company’s user-friendly website and mobile app provide convenient access to policy management and claims filing. Overall, Nationwide is a solid choice for those looking for reliable, comprehensive, and cheap auto insurance Orlando has to offer.
Why We Chose NationWide
We chose Nationwide as one of Orlando’s top car insurance providers because of its extensive coverage options, additional perks, and customer-friendly programs. The company’s commitment to customer satisfaction, as evidenced by its On Your Side Review and loyalty rewards program, sets it apart from other providers.
Additionally, Nationwide’s user-friendly website and mobile app make it easy for customers to manage their policies and file claims. Overall, Nationwide offers a well-rounded auto insurance package that caters to the needs of drivers in Orlando.
Plans and Coverage
Nationwide’s plans include liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage. The company’s coverage levels can be customized to fit individual preferences and budgets.
Additionally, Nationwide provides optional programs like Gap insurance, Vanishing Deductible, and On Your Side Review to enhance the coverage and overall experience for policyholders.
Summary
Nationwide is a reliable and reputable auto insurance provider with comprehensive coverage options and additional perks. Its range of coverage options, loyalty rewards program, and optional programs make it one of the best cheap auto insurance plans Orlando, FL has to offer.
>>Find the best cheap auto insurance Orlando, FL has to offer from NationWide
9. USAA – Best for Military
Pros
- Offers some of the consistently cheapest insurance rates in the industry
- Tons of unique add-on options
- SafePilot program tracks and rewards safe driving habits
- Strong customer service reputation
Cons
- Only available to active military members, veterans, and immediate family members
Overview
USAA is a top-rated car insurance provider for military members and their families. With affordable coverage options, unique add-ons, and a strong customer service reputation, USAA stands out in the industry. While availability may be limited, those who qualify for USAA insurance can benefit from competitive rates and personalized coverage options.
Why We Chose USAA
USAA consistently offers affordable rates, which can be particularly beneficial for individuals seeking coverage after a driving offense. Additionally, USAA’s add-on options, such as accident forgiveness and car replacement assistance, provide extra peace of mind for policyholders.
Finally, USAA’s strong customer service reputation ensures a positive experience for customers, with high satisfaction ratings and efficient claims processing.
Plans and Coverage
USAA provides a range of standard car insurance coverage options, including:
- Liability insurance
- Collision insurance
- Comprehensive insurance
- Medical payments coverage
- Personal injury protection
- Underinsured/uninsured motorist coverage.
In addition to these standard options, USAA also provides add-on coverage such as roadside assistance and accident forgiveness.
Customers can customize their coverage to suit their specific needs and preferences.
Summary
While availability is limited to military members, veterans, and their families, those who qualify can benefit from competitive rates and personalized coverage options. With a strong customer satisfaction record and a range of coverage options, USAA is an excellent choice for cheap auto insurance in Orlando.
>>Find the best cheap auto insurance Orlando, FL has to offer from USAA
Cheap Auto Insurance Orlando: Florida Car Insurance Requirements
Before diving into the details of finding cheap car insurance in Orlando, FL, you should first understand the car insurance requirements in Florida. The state mandates that all drivers carry certain minimum coverage to operate a vehicle legally.
These requirements include:
- Bodily Injury Liability: Florida law requires a minimum of $10,000 in bodily injury liability coverage per person and $20,000 per accident. This coverage helps pay for medical expenses and other costs if you injure someone in an accident.
- Personal Injury Protection (PIP): Florida is a no-fault state, meaning that regardless of who is at fault in an accident, each driver’s insurance company is responsible for covering their medical expenses. The minimum PIP coverage required in Florida is $10,000.
- Property Damage Liability: You must have a minimum of $10,000 in property damage liability coverage to pay for damages to another person’s property, such as their vehicle or a fence.
Note that these are minimum requirements, and it’s often recommended to consider higher coverage limits to protect yourself financially in the event of an accident.
>>Find the best cheap auto insurance Orlando has to offer from Amica Mutual
How To Get Cheap Auto Insurance in Orlando, FL
Now that we understand Florida’s car insurance requirements let’s explore how to find the best deals on cheap auto insurance in Orlando, FL. By following these strategies, you can save money on your premiums and secure affordable coverage.
Compare Quotes From Multiple Providers
One of the most effective ways to find cheap car insurance in Orlando is by comparing quotes from multiple insurance providers. Each company uses its own rating system to determine premiums so that prices can vary significantly. You can easily identify the most affordable options for your specific needs by obtaining quotes from different insurers.
When comparing quotes, make sure to provide accurate and consistent information to each insurer. This includes details such as your driving history, the make and model of your vehicle, and the coverage limits you desire. By providing accurate information, you’ll receive accurate quotes and avoid any surprises when it’s time to purchase a policy.
Maintain a Clean Driving Record
If you want to secure cheap auto insurance in Orlando, FL, you should do your best to keep a clean driving record. Insurance companies consider your driving history when determining premiums. Drivers with a history of accidents, speeding tickets, or other violations are typically deemed higher risk.
To keep your driving record clean, obey all traffic laws, avoid distracted driving, and practice defensive driving techniques. By demonstrating responsible and safe driving habits, you can qualify for lower premiums and potentially earn discounts from insurance providers.
Take Advantage of Discounts
Insurance companies offer various discounts that can help reduce your car insurance premiums. You can secure cheap auto insurance in Orlando, FL, by taking advantage of these discounts.
Here are some common discounts to consider:
- Bundling Discount: Many insurers provide discounts if you bundle multiple policies, such as auto and home insurance, with the same company.
- Telematics Discount: Some insurers offer discounts to drivers who install a telematics device in their vehicle. This device monitors your driving habits, such as mileage, speed, and braking patterns, and rewards safe driving with lower premiums.
- Military Discounts: If you are an active or retired member of the military, you may be eligible for discounts with certain insurance providers.
- Defensive Driver Discount: Completing a defensive driving course can often lead to discounted premiums. These courses teach advanced driving techniques and strategies to reduce the risk of accidents.
When shopping for cheap auto insurance in Orlando, FL, be sure to ask each insurer about their discounts and how you can qualify for them. Taking advantage of these discounts can significantly reduce your premiums and make car insurance more affordable.
>>Find the best cheap auto insurance Orlando has to offer from Amica Mutual
Car Insurance Discounts in Orlando, Florida
In addition to the general discounts mentioned above, car insurance providers in Orlando, Florida, may offer specific discounts tailored to the needs of local drivers. These discounts can further help you find cheap car insurance in the city.
Here are some additional discounts to look for:
- Good Student Discount: If you are a student with good grades, you may qualify for a discount on your car insurance premiums. Insurance companies often reward responsible academic performance.
- Senior Citizen Discount: Some insurers offer discounts to senior citizens who meet certain criteria. These discounts can help offset the higher premiums typically associated with older drivers.
- Low Mileage Discount: These discounts apply to drivers who don’t drive their vehicles frequently or have a low annual mileage. Insurance companies consider drivers with lower mileage to be at a lower risk of accidents.
- Safe Vehicle Discount: If your vehicle has safety features like airbags, anti-lock brakes, or anti-theft systems, you may qualify for a safe vehicle discount. These features reduce the risk of accidents and theft, making you less risky to insure.
- Good Driver Discount: You may be eligible for a good driver discount if you have a clean driving record with no accidents or violations. Insurance companies reward safe drivers who have a history of responsible driving.
When shopping for cheap auto insurance in Orlando, FL, be sure to ask each company about the specific discounts they offer. By taking advantage of these discounts, you can further reduce your premiums and find the cheapest car insurance available.
>>Find the best cheap auto insurance Orlando has to offer from Amica Mutual
Cheap Auto Insurance Orlando, FL: Methodology
We conducted extensive research and analysis to compile this guide on the best cheap auto insurance Orlando, FL, has to offer. Our research involved:
- Comparing quotes from multiple insurance providers
- Analyzing customer reviews and satisfaction ratings
- Examining the coverage options and discounts offered by each company
We also considered the car insurance requirements in Florida and how they impact the cost of coverage in Orlando. By combining all of this information, we were able to identify the best strategies for finding cheap car insurance in the city.
Please note that the information provided in this guide is for informational purposes only and should not be considered legal or financial advice. Car insurance rates are subject to change and may vary based on individual factors such as driving history, credit score, and location.
Cheap Auto Insurance Orlando, FL: FAQ
If you still have questions about the best cheap auto insurance Orlando, FL, has to offer, take a look at our FAQs and their answers below.
Who Is the Cheapest Auto Insurance in Florida?
For military, veterans, or their immediate family members, USAA provides the cheapest insurance. However, based on our research, GEICO tends to offer competitive rates and is often considered one of the cheapest options in the state for anyone else.
How Much Does Car Insurance Cost in Orlando, Florida?
On average, drivers in Orlando can expect to pay around $102 per month for minimum coverage and $247 per month for full coverage. However, the cost of car insurance in Orlando can vary depending on several factors, including your age, driving record, and the coverage options you choose.
Who Normally Has the Cheapest Car Insurance?
Generally, older drivers with clean driving records and good credit scores tend to have cheaper car insurance premiums. While car insurance rates can vary based on multiple factors, including location and driving record, certain groups of drivers tend to have more affordable insurance.
Is Car Insurance Cheaper in Orlando?
Compared to other cities in Florida, car insurance rates in Orlando are generally considered to be more affordable. Car insurance rates in Orlando can vary depending on several factors, including the insurer, your driving record, and the coverage options you choose.
>>Find the best cheap auto insurance Orlando has to offer from Amica Mutual
How Much Is Car Insurance in Orlando, Florida?
The cost of car insurance in Orlando, Florida, can vary depending on several factors, including your age, driving record, and the coverage options you choose. On average, drivers in Orlando can expect to pay around $102 per month for minimum coverage and $247 per month for full coverage.
Who Is the Cheapest Auto Insurance Company in Orlando, FL?
Based on our research, the cheapest auto insurance company in Orlando, FL, is GEICO. The company offers competitive rates and is often considered one of the most affordable options for car insurance in the city.
What Is the Best Car Insurance in Orlando, FL?
Our top pick for the best cheap auto insurance in Orlando, FL, is Amica Mutual. Their coverage options, customer service, and affordability make them a great option for drivers.
Is Car Insurance High in Orlando?
While car insurance rates in Orlando are generally considered more affordable than other cities in Florida, they can still be relatively high. It’s important to compare quotes from multiple insurance providers, maintain a clean driving record, and take advantage of available discounts to secure the most affordable coverage.
>>Find the best cheap auto insurance Orlando has to offer from Amica Mutual
Cheap Auto Insurance Orlando, FL: The Final Word
In summing up, it’s clear that finding the right balance between cost and coverage is key. While Amica Mutual leads our list, each of the nine insurers we’ve reviewed offers a unique blend of value, coverage options, and customer service excellence.
When choosing an insurer, look beyond the premiums to the specific coverage offered, and make sure you understand Florida’s car insurance requirements to ensure sufficient coverage. Also, consider customer service ratings, claim handling efficiency, and the availability of policy customization options.
Remember, the cheapest option isn’t always the best when it comes to insurance. It’s about getting the protection you need at a price that fits your budget.