Auto Insurance in Orlando (32804)
Florida · Above Average · 57th percentile statewide
Carrier Rates in 32804
6-month premiums from SERFF rate filings. Standard driver profile.
How 32804 Compares
Orlando (32804) is above average for auto insurance in Florida, ranking in the 57th percentile.
The cheapest carrier is GEICO at $492/6mo — 48% less than the most expensive (State Farm at $950).
The median premium of $602 is 8% below the Florida statewide median of $658.
Frequently Asked Questions
How much is auto insurance in Orlando (32804)?
The median 6-month premium in Orlando (32804) is $602 across 5 carriers. Premiums range from $492 to $950, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 32804?
GEICO offers the lowest rate in 32804 at $492/6mo. That's 48% less than the most expensive option (State Farm at $950/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance above average in 32804?
Auto insurance rates in Orlando (32804) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Orlando ranks in the 57th percentile statewide, meaning it's above average compared to other Florida ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in Florida
Want full rate data for 32804?
Access ZIP-level rate data across all 5 carriers, 397 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.