Auto Insurance Quotes in Orlando FL - [Mom Prepared] (2025)

Auto insurance is a necessity for most families, especially in a bustling city like Orlando, FL. As a husband and wife raising children of various driving ages, ensuring that we have the right coverage for our family’s four vehicles is crucial. From a minivan for carpools to a sports car for date nights, each vehicle serves a unique purpose in our busy lives.

Our first vehicle is a reliable Honda Odyssey minivan, perfect for shuttling our three kids to and from school, sports practices, and playdates. With three teenage drivers in the household, we knew that we needed comprehensive coverage for this vehicle to protect our precious cargo. We opted for full coverage with a $500 deductible, which costs us $150 a month.

Our second vehicle is a sleek BMW 3 Series, which we use for date nights and weekend getaways. This luxury sedan requires a higher level of coverage to protect its value, so we opted for collision and comprehensive coverage with a $1,000 deductible. This coverage costs us $200 a month, but the peace of mind it provides is priceless.

Our third vehicle is a practical Toyota Camry, which our oldest daughter drives to her part-time job and school. As a young driver, she is considered high-risk by insurance companies, so we knew that her coverage would be more expensive. We opted for liability coverage only to keep costs down, which costs us $100 a month.

Our fourth vehicle is a sporty Ford Mustang, which our son drives to his high school football games and weekend outings with friends. Unfortunately, he has had a few driving infractions in the past, including a speeding ticket and a fender bender. These infractions raised our auto insurance rates significantly, costing us an additional $50 a month for his coverage.

Driving infractions can have a major impact on auto insurance rates, as our family has learned the hard way. In addition to speeding tickets and fender benders, other common infractions that can raise rates include DUIs, at-fault accidents, and driving without insurance. It’s important for all drivers in the household to practice safe driving habits to keep rates low and avoid costly penalties.

When it comes to auto insurance in Orlando, FL, there are a few key questions that many residents have. Here are 12 common questions about auto insurance in Orlando, along with the answers:

1. What is the minimum auto insurance coverage required in Florida?

In Florida, drivers are required to carry a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability coverage.

2. What is the average cost of auto insurance in Orlando, FL?

The average cost of auto insurance in Orlando, FL is around $1,200 per year, but rates can vary based on factors such as age, driving record, and type of coverage.

3. How can I lower my auto insurance rates in Orlando, FL?

There are several ways to lower your auto insurance rates in Orlando, FL, including bundling policies, taking defensive driving courses, and maintaining a clean driving record.

4. Are there any discounts available for auto insurance in Orlando, FL?

Many insurance companies offer discounts for things like good grades, safe driving, and anti-theft devices. Be sure to ask your insurance provider about any available discounts.

5. What factors can affect my auto insurance rates in Orlando, FL?

Factors that can affect your auto insurance rates in Orlando, FL include your age, driving record, type of vehicle, and where you live. Younger drivers and sports car owners typically pay higher rates.

6. Can I insure multiple vehicles on the same policy in Orlando, FL?

Yes, most insurance companies in Orlando, FL offer multi-vehicle discounts for insuring multiple vehicles on the same policy. This can help you save money on your premiums.

7. What type of coverage do I need for my teenage driver in Orlando, FL?

Teenage drivers are considered high-risk by insurance companies, so it’s important to have comprehensive coverage to protect them in case of an accident. Consider adding liability coverage as well.

8. How often should I review my auto insurance policy in Orlando, FL?

It’s a good idea to review your auto insurance policy in Orlando, FL annually to make sure you have the right coverage for your needs. You may need to adjust your coverage as your family’s driving habits change.

9. Is uninsured motorist coverage necessary in Orlando, FL?

Uninsured motorist coverage is not required in Florida, but it can provide valuable protection in case you are in an accident with an uninsured driver. Consider adding this coverage to your policy for added peace of mind.

10. What should I do if I’m in an accident in Orlando, FL?

If you are in an accident in Orlando, FL, be sure to exchange insurance information with the other driver and file a police report. Contact your insurance provider as soon as possible to report the accident and file a claim.

11. Can I choose my own auto repair shop in Orlando, FL?

Most insurance companies in Orlando, FL allow you to choose your own auto repair shop for repairs. Be sure to check with your insurance provider to see if there are any restrictions on where you can take your vehicle.

12. How can I find the best auto insurance rates in Orlando, FL?

To find the best auto insurance rates in Orlando, FL, compare quotes from multiple insurance providers and consider working with an independent insurance agent who can help you find the right coverage for your needs.