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.
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
In Florida, the minimum car insurance requirements for drivers are:
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.
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.
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.
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Auto insurance has increased by 5% since last year. Check out to see where your state falls in the ranks.
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