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Best Car Insurance in Orlando, FL

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Best Car Insurance in Orlando, FL

In addition to being mandated in Florida, car insurance is crucial because it protects you from liability expenses and costly repairs after an accident. Factors like your vehicle model, driving habits and ZIP code affect policy rates. We researched the best car insurance companies in Orlando to help you find affordable and reliable coverage.

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Top 12 Orlando Car Insurance Companies

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Orlando skyline

Driving in Orlando, FL

With 75 million visitors per year, Orlando is the most popular destination in the country. Many tourists rent cars, further congesting roadways and leading to more accidents by out-of-town drivers not familiar with the area. Some of the driving hazards in the city include:

  • Crashes in Orlando: There are more than 31,000 car accidents in Orange County each year, according to a 2018 study by The Florida Department of Highway Safety and Motor Vehicles (DHSMV). With so many wrecks, all drivers in the Orlando area should have auto insurance to comply with state law and protect their wallets.
  • Road conditions in Orlando: Orlando is known for its enchanting family attractions, which is why it’s such a popular tourist hub. Most road hazards come from traffic congestion caused by visitors and the region’s already sizable population. With more cars on the road, more accidents occur.
  • Vehicle theft in Orlando: Orange County has the third-most stolen vehicles in the state, according to 2018 statistics from the state’s Department of Law Enforcement. Florida recorded a total of 41,119 vehicle thefts that year, of which 3,490 were in Orange County. An auto insurance policy financially protects you from this expensive loss.

Car insurance price in Orlando, Florida

Car insurance premiums in Orlando range from $640 to more than $2,000 per year. The amount of coverage you have is the main factor that affects the cost, but your credit score, age, driving history and moving violations also come into play.

In addition, the demographics and crime rates in your home ZIP code affect your premium. The table below estimates the cost of different levels of car insurance for a 30-year-old woman living in these areas.

ComprehensiveLiabilityState minimum
Orlando$2,087$1,107$1,074
Port Orange$1,537$758$684
Lake City$1,515$697$637
Osceola$1,626$818$746
Seminole$1,642$838$766

Does Florida require car insurance?

Florida requires drivers to maintain both personal injury protection (PIP) and property damage liability (PDL) insurance. Drivers must have a minimum of $10,000 coverage for both. A vehicle owner must also maintain coverage on his or her vehicle, even if it is not currently in operation. An insurance policy must be purchased from a licensed business, and coverage has to be paid throughout the entire registration period. Failure to abide by these insurance requirements results in a license suspension for up to three years and a $500 fee.

Orlando car insurance alternatives

For those who would rather cover the cost of an accident themselves, the Florida Highway Safety and Motor Vehicles Department offers self-insurance. The department can issue a certificate of self-insurance to drivers who show at least $40,000 in assets and provide the necessary documentation, such as a statement of net worth. Self-insured drivers must also provide the license and Social Security number for all drivers holding the certificate and a list of vehicles covered by the certificate.

Self-insured drivers are still liable for the same state minimum amount of coverage that an insurance company would provide.

Orlando car insurance FAQ

What is the penalty for not having car insurance in Florida?
Getting caught without car insurance in Florida can result in a $500 penalty, license suspension for up to three years and loss of driving privileges.
Why is car insurance so expensive in Florida?
Florida has many high risk and uninsured drivers. In fact, Florida has the nation’s highest percentage of uninsured motorists at 26.7%, according to an Insurance Research Council report. That means about 1 in 4 Florida motorists is uninsured. Florida is also one of 15 states that require drivers to have PIP insurance.
How do I find cheap SR-22 insurance in Orlando?
SR-22 insurance is proof that a driver is insured under the state’s minimum requirement for liability insurance. Contacting the companies in this guide and getting a quote is the best way to find the best price and coverage for your vehicle.
Is Florida a no-fault state for accidents?
Florida is a no-fault state in the event of an accident because the state requires every driver to acquire the minimum $10,000 insurance coverage for personal injury protection (PIP). PIP insurance covers the cost of injuries and any other costs that add up after an accident, regardless of who caused it. In Florida, all parties involved in an accident are expected to turn to their insurance companies to pay for damages.

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    Orlando car insurance company information

    Acceptance Car Insurance Orlando

    Acceptance Insurance offers multiple insurance products to its customers and the option to save money by bundling policies. The company provides free quotes as well as instant coverage. One of the factors that make the company stand out from competitors is its specialization in SR-22 insurance and coverage for high-risk drivers.

    • Address: 1020 Lee Road, Orlando, FL 32810
    • Phone: (407) 647-7575
    • Hours: M - F: 9am - 6pm; Sat: 10am - 5pm
    • Website: acceptanceinsurance.com
    Select Insurance Group

    Select Insurance Group provides clients with customer service through a quote hotline that includes options in English and Spanish. The website allows you to upload documents directly to its specialists without having to go into the office or send an email.

    • Address: 1005 N. Pine Hills Road, Orlando, FL 32808
    • Phone: (407) 294-3333
    • Hours: M - F: 9am - 5:30pm
    • Website: selectinsgrp.com
    SVF Insurance Agency

    SVF Insurance Agency prides itself on putting customers first and being the total solution for all insurance needs, especially auto insurance. The company offers customers a free instant quote on its website.

    • Address: 1205 N. Pine Hills Road, Orlando, FL 32808
    • Phone: (407) 447-2204
    • Hours: M - Th: 8:30am - 5pm; F: 8:30am - 4:30pm
    • Website: svfins.com
    Business Insurance Center

    Business Insurance Center is dedicated to providing proper, custom coverage. The company works with customers individually to find policies that meet specific needs. Its agents guide customers through insurance purchasing and policy maintenance. The company processes claims quickly and easily. It offers discounts when bundling home and auto insurance.

    • Address: 6979 Kingspointe Parkway, Ste. 9, Orlando, FL 32819
    • Phone: (407) 354-9868
    • Hours: M - F: 8:30am - 5pm
    • Website: bicfl.com
    LRA Insurance

    LRA Insurance offers free insurance quotes on its website and 24/7 online access to your account. The company prides itself on responsive, professional communication and overall good customer service.

    • Address: 498 S. Lake Destiny Drive, Orlando, FL 32810
    • Phone: (407) 838-3445
    • Hours: M - F: 8:15am - 4:45pm
    • Website: lrainsurance.com
    Universal Insurance Agency Orlando

    Universal Insurance Agency wants to be your one-stop shop for insurance policies. The company offers a variety of insurance policies and coverage tailored to each customer’s needs — for your car and for bodily injury in the case of an accident. It has policies that fit everyone’s needs and meet state requirements.

    • Address: 1548 S. Semoran Blvd., Orlando, FL 32807
    • Phone: (407) 898-1116
    • Hours: M - F: 8:30am - 5:30pm
    • Website: myuniversalinsurance.com
    Sun Insurance Services

    Sun Insurance Services offers 24/7 policy access that lets you change your account, make payments and request proof of insurance at any time. The company strives to bring customers quality insurance strategies along with superior customer support. Resources and insurance tips are also available on the company’s website.

    • Address: 7680 Universal Blvd., Ste. 198, Orlando, FL 32819
    • Phone: (407) 781-1600
    • Hours: M - F: 8:30am - 5pm
    • Website: suninsuranceservices.com
    Direct Auto Insurance Orlando

    Direct Auto Insurance gets to know its customers through events and store promotions. The company guarantees to help customers get coverage and meet Florida's insurance requirements. The website offers a live chat where customers can immediately get answers to questions from a representative.

    • Address: 4590 S. Kirkman Road, Orlando, FL 32811
    • Phone: (407) 843-8737
    • Hours: M - F: 9am - 5:30pm; Sat: 10am - 3pm
    • Website: directauto.com

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