To register any vehicle in Florida, you must show proof of auto insurance that includes personal injury protection (PIP) and property damage liability. Auto insurance in Orange County is among the highest in Florida. The average annual insurance premium in Florida is $2,219 making it the third most expensive state for insurance. 

Car insurance rates can vary significantly. Each insurer uses a unique formula to determine a driver’s risk and overall premium. The average car insurance rates in Orange County are based on quote data from the Florida Office of Insurance Regulation.

Car insurance in Orange County

The average annual premium for car insurance for a single, female driver

$3,416

The average annual premium for car insurance for a family with young drivers

$9,319

The average annual premium for car insurance for a senior married couple

$1,749

The quotes collected are based on an insurance policy that includes the following coverage:

$50,000 property damage liability

$25,000/$50,000 bodily injury liability

$10,000 personal injury protection (PIP)

$5,000 medical payments coverage

$250 deductible for comprehensive

$500 deductible for collision

$25,000/$50,000 uninsured motorist (non-stacked)

Compare Auto Insurance in Orange County

Florida car insurance requirements

In Florida, the minimum car insurance requirements for drivers are:

  • $10,000 bodily injury per person, per accident

  • $20,000 bodily injury for all persons, per accident

  • $10,000 property damage liability

  • $10,000 personal injury protection (PIP)

Orange County is the fifth most-populated county in Florida, and in 2018, there were 31,916 car crashes reported according to the Florida Department of Highway Safety and Motor Vehicles. Driving without enough coverage can put you at financial risk. A minor accident can end up costing thousands of dollars in repairs. 

Collision insurance ensures you are covered if your vehicle needs replacing or repairs if it’s been involved in a collision accident. Comprehensive insurance, on the other hand, provides coverage for car theft, fire or hail damage (weather-related), or other types of losses. 

In Orange County, drivers must maintain insurance coverage throughout the registration period. Any lapse in insurance may result in the suspension of your Florida driver’s license/registration, plus a requirement to pay a reinstatement fee of up to $500.

>>RELATED: Florida driving statistics

Top 5 auto insurance companies in Florida 

GEICO is the most popular insurer among Squeeze users in Orange County, followed by Progressive and State Farm. See how it compares to the top auto insurance companies state-wide. 

Rank

Auto Insurance Company

Market share in Florida

1

Berkshire Hathaway (GEICO)

25.2%

2

Progressive

18.3%

3

State Farm

14.7%

4

Allstate

9.3%

5

USAA

7.1%

See a complete list of auto insurance companies in Florida

See how Orange County's auto insurance rates compare to those in Broward County and Palm Beach County.

Compare Auto Insurance

List of cities in Orange County

Alafaya

Meadow Woods

Apopka

Oak Ridge

Azalea Park

Oakland

Bay Hill

Ocoee

Bay Lake

Orlando

Belle Isle

Orlovista

Bithlo

Paradise Heights

Christmas

Pine Castle

Clarcona

Pine Hills

Conway

Plymouth

Doctor Phillips

Rio Pinar

Eatonville

Sky Lake

Edgewood

South Apopka

Fairview Shores

Southchase

Fairvilla

Taft

Gotha

Tangelo Park

Holden Heights

Tangerine

Horizon West

Tildenville

Hunters Creek

Union Park

Killarney

University Park

Lake Buena Vista

Wedgefield

Lake Butler

Williamsburg

Lake Hart

Windermere

Lake Mary Jane

Winter Garden

Lockhart

Winter Park

Maitland

Zellwood

Learn more about Orange County and keep up with the latest news.

All quoted rates are from the Florida Office of Insurance Regulation's CHOICES rate comparison tool. 

Quotes provided are based on the following driver profiles: 

Single, female, age 25 with one sedan (Toyota Camry LE), one violation, one no-fault accident in the preceding 3 years, and driving an estimated 12,000 miles per year for work. 

Married male (age 50) and female (age 55), plus one single male (age 20) and one single female (age 18). Two-car household driving for work and pleasure, no accidents or violations in the last 3 years. One car covers an estimated 12,000 miles per year; another car covers an estimated 8,000 miles per year.  driving an estimated 6,000 miles per year for pleasure.

Married male (age 70) and female (age 65) with one sedan (Toyota Camry LE), no accidents or violations in the last 3 years, and driving an estimated 6,000 miles per year for pleasure.