Car Insurance In Orlando

What to Know About Auto Insurance in Orlando

Residents of Central Florida need to be prepared for any challenges on the road. Part of that preparation includes having an auto insurance policy for your vehicle. Get affordable rates and great customer service on car insurance in Orlando by switching to GEICO.

Orlando is the fifth-largest city in Florida and the largest inland city in the state. Dubbed the "Theme Park Capital of the World" and a hot spot for conventions and conferences, Orlando attracts more than 60 million visitors a year, which puts more cars on the road.

Roads like Interstate 4 in Orlando can become busy and congested with tourists and residents, so it's important to have the right car insurance to protect yourself and your vehicle. Fortunately, you can get an Orlando car insurance quote with GEICO at any time.

Minimum Car Insurance Requirements in Orlando

In Orlando, Florida, drivers are required by law to carry a minimum level of car insurance to legally operate a vehicle:

  • Bodily injury coverage*: $10,000 per person / $20,000 per accident
  • Property damage coverage: $10,000 per accident. This pays for damages to another person's property, such as their vehicle or other structures, if you are at fault in an accident.
  • Uninsured motorist coverage*: $10,000 per person / $20,000 per accident
  • Personal injury protection (PIP): $10,000. This covers medical expenses, lost wages, and other related costs for you and your passengers, regardless of who is at fault in an accident.

*Bodily injury liability and uninsured motorist coverages may be rejected in writing.

These minimum requirements provide a basic level of protection, but keep in mind that they may not fully cover the costs in a serious accident. Consider additional coverage options to better protect yourself and others on the road. Visit our Coverage Calculator to get a personalized recommendation to fit your insurance needs.

What are the Consequences of Driving Uninsured in Orlando?

Driving without insurance in Orlando, Florida, can lead to serious legal and financial consequences. The state enforces strict penalties to ensure that all drivers carry the required minimum insurance coverage, including:

  • Fines and Fees: If caught driving without insurance, you may be subject to fines ranging from $150 to $500, depending on whether it's your first, second, or subsequent offense.
  • License and Registration Suspension: Your driver's license, vehicle registration, and license plates can be suspended until you provide proof of insurance and pay a reinstatement fee.
  • Increased Insurance Costs: After a violation, you may be required to carry additional coverage, such as an SR-22, which can significantly increase your insurance premiums for several years.

Discounts to Save on Orlando Car Insurance

GEICO offers Orlando drivers car insurance discounts so they can get the coverage they need at an affordable price. Some discounts we offer are:

  • Vehicle Equipment Discounts: Equip your vehicle with safety technology, such as anti-lock brakes, anti-theft devices, and more, for reduced auto insurance premiums.
  • Five-Year Accident-Free Good Driver Discount: Drivers in Orlando who maintain a clean driving record for a minimum of 5 consecutive years may be eligible for car insurance discounts.
  • Good Student Discount: Full-time students in the state of Florida who maintain an average of a B or higher may qualify for lower premiums.
  • Multi-Vehicle Discount: Insure multiple vehicles with GEICO and earn lower car insurance premiums.
  • Pay in Full Discount: Pay your term premium in full and enjoy a discount.
  • DriveEasy Discount: Download GEICO’s DriveEasy app to showcase your safe driving habits and save money on car insurance. By enrolling in the program and tracking your driving, you could qualify for a discount of up to 10%.

Read More About Florida Car Insurance

If you need to know the state-required coverage levels or the teen driving laws in Florida, our Florida car insurance page will help you make the right decision about your car insurance.