Auto Insurance in Orlando & Winter Park, FL
helps to pay for your cars damage if you are in an accident with another car or object, or your car rolls over. When you finance or lease your vehicle this coverage is usually required.
helps pay to repair or replace your vehicle when non-collision damage occurs, such as theft, fire, striking an animal or tree damage after a storm. If you are financing or leasing your vehicle this is required coverage.
helps pays for the injuries of another person if you are at fault in an accident, up to the limits in your policy. Any costs that exceed the bodily injury liability limit in your auto insurance policy is your responsibility to pay out of your pocket
The auto insurance limits of $50,000/$100,000/$50,000 provides $50,000 bodily injury coverage per person/ $100,000 bodily injury per accident/ $50,000 property damage.
Any costs that exceed the bodily injury liability limit in your auto insurance policy may be your responsibility to pay out of your pocket.
limit is the maximum amount your insurer will pay to repair damage to another party’s property when you are at fault The maximum payout will not exceed the limit you’ve set. If you accidentally run into someone’s fence, this is the coverage that would cover this.
Any costs that exceed the property damage liability limit in your auto insurance policy could be your responsibility to pay out of your pocket.
This coverage provides protection if you’re in an accident with a driver who has no liability insurance, or lack of insurance funds to cover the full damages. It can save you from having to pay out-of-pocket for an auto accident that you didn’t cause.
This coverage provides protection if you’re in an accident with a driver who has no liability insurance, or lack of insurance funds to cover the full damages. It can save you from having to pay out-of-pocket for an auto accident that you didn’t cause.
Auto Insurance in Orlando & Central Florida
Florida's auto insurance requirements changed significantly in 2024 — and if you're still carrying the old minimums, you could be dangerously underinsured. As an independent agency, Orca Insurance Group shops dozens of carriers to find you the best coverage at the best rate, whether you're in Orlando, Winter Park, or anywhere in Central Florida.
Florida Auto Insurance Requirements (2024 Update)
Florida made major changes effective January 1, 2024. The old PIP (Personal Injury Protection) system is gone. Here's what's required now:
| Coverage | Minimum Required | What It Covers |
|---|---|---|
| Bodily Injury Liability | $25,000/person, $50,000/accident | Injuries you cause to others |
| Property Damage Liability | $10,000/accident | Damage you cause to others' property |
Coverage Options Beyond the Minimums
- Collision — Pays to repair or replace your car after an accident, regardless of fault. Required if you have a car loan or lease.
- Comprehensive — Covers non-collision damage: theft, vandalism, hail, flooding (relevant in Florida), falling objects, animal strikes.
- Uninsured/Underinsured Motorist (UM/UIM) — Protects you when the other driver has no insurance or not enough. Florida has one of the highest uninsured driver rates in the country (~20%).
- Medical Payments (MedPay) — Covers medical expenses for you and your passengers regardless of fault. Replaces the old PIP coverage.
- Rental Reimbursement — Pays for a rental car while yours is being repaired after a covered claim.
- Roadside Assistance — Towing, flat tires, lockouts, battery jumps.
Why Orlando Drivers Pay More
Central Florida consistently ranks among the most expensive metros for auto insurance. Why?
- High traffic density — I-4 is routinely named one of America's deadliest highways
- High uninsured rate — roughly 1 in 5 Florida drivers has no insurance
- Weather risks — hurricanes, tropical storms, and frequent flooding damage vehicles
- Tourism traffic — 75+ million visitors per year increases accident frequency
- Fraud — Florida has historically high rates of auto insurance fraud, which drives up premiums for everyone
That's exactly why shopping through an independent broker matters. We compare rates from Progressive, State Farm, Travelers, Hartford, Safeco, National General, and more — often finding savings of 20-30% over what you're paying now.
Frequently Asked Questions
How much does auto insurance cost in Orlando?
The average Orlando driver pays $2,500-$3,500/year for full coverage, though rates vary widely based on driving record, age, vehicle, zip code, and coverage levels. We regularly find better rates by shopping across multiple carriers.
Is PIP still required in Florida?
No. As of January 1, 2024, PIP (Personal Injury Protection) is no longer required. It was replaced with mandatory bodily injury liability coverage (25/50). MedPay is available as an optional replacement for the medical coverage PIP used to provide.
Do I need uninsured motorist coverage?
It's not legally required, but we strongly recommend it. With ~20% of Florida drivers uninsured, UM/UIM coverage is your safety net if you're hit by someone with no insurance or inadequate coverage.
Does my auto insurance cover rideshare driving?
Standard auto policies typically exclude commercial use, including Uber and Lyft driving. You'll need a rideshare endorsement or a commercial auto policy to be fully covered while driving for a rideshare company.
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