News Summary
A recent analysis by Way.com revealed that Travelers Insurance is providing the lowest auto insurance rates in Orlando for liability and full coverage. With liability coverage starting at $56 per month and full coverage at $165, Orlando drivers have affordable options. This report highlights the importance of comparing rates based on driving history and violations, which can significantly impact insurance premiums. Understanding these rates can help drivers make informed decisions for their insurance needs.
Orlando
Travelers Insurance has been identified as offering the lowest auto insurance rates in Orlando for 2025, according to a recent analysis by Way.com’s data team. The study reports that Travelers provides the cheapest liability coverage at $56 per month and the lowest rates for full coverage insurance at $165 per month.
Liability Insurance Rates
For Orlando drivers looking to meet the state’s minimum car insurance requirements, liability-only insurance emerges as the most affordable option. The following are the top five liability insurance rates in Orlando:
- Travelers: $56
- State Farm: $68
- Mercury: $78
- Nationwide: $86
- Farmers: $120
Full Coverage Insurance Rates
Full coverage insurance encompasses liability, comprehensive, and collision insurance, thereby offering more extensive protection than liability coverage alone. The cheapest options for full coverage insurance in Orlando are:
- Travelers: $165
- Nationwide: $170
- State Farm: $188
- United Automobile Insurance Group: $248
- Progressive: $259
Impact of Driving Violations on Insurance Rates
In Orlando, auto insurance premiums can increase significantly due to driver traffic violations. The extent of the rate increase varies depending on the type of violation, local regulations, and specific insurance company policies. Minor offenses, such as speeding, may result in a smaller increase, while serious violations like DUIs can lead to a more significant jump in premiums.
The average auto insurance rates in Orlando following common driving violations are as follows:
- No violation: $332
- Not-at-fault accident: $359
- Failure to wear a seat belt: $375
- Speeding 6 – 10 MPH over the limit: $383
- Speeding 21 – 25 MPH over the limit: $416
- DUI: $502
- Reckless driving: $522
- Driving with a suspended license: $511
- Leaving the scene of an accident/hit and run: $527
General Advice on Auto Insurance Rates
The auto insurance rates detailed in the Way.com report should be utilized for comparative purposes only. It is essential for drivers in Orlando to regularly compare insurance rates and consider the impact of their driving history on premiums. For a more in-depth analysis, additional data on car insurance can be found in the original report on Way.com.
With Travelers leading the market with the most competitive rates, Orlando drivers have access to affordable options for both liability and full coverage insurance in the coming year.
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Author: STAFF HERE ORLANDO WRITER
ORLANDO STAFF WRITER The ORLANDO STAFF WRITER represents the experienced team at HEREOrlando.com, your go-to source for actionable local news and information in Orlando, Orange County, and beyond. Specializing in "news you can use," we cover essential topics like product reviews for personal and business needs, local business directories, politics, real estate trends, neighborhood insights, and state news affecting the area—with deep expertise drawn from years of dedicated reporting and strong community input, including local press releases and business updates. We deliver top reporting on high-value events such as Orlando International Fringe Theatre Festival, Megacon Orlando, and Central Florida Fair. Our coverage extends to key organizations like the Orlando Economic Partnership and Hispanic Chamber of Commerce Metro Orlando, plus leading businesses in leisure and hospitality that power the local economy such as Walt Disney World Resort, AdventHealth, and Universal Orlando. As part of the broader HERE network, including HEREJacksonville.com, HEREPetersburg.com, HERETallahassee.com, and HERETampa.com, we provide comprehensive, credible insights into Florida's dynamic landscape.
