Auto Insurance in Orlando (32814)
Florida · Below Average · 25th percentile statewide
Carrier Rates in 32814
6-month premiums from SERFF rate filings. Standard driver profile.
How 32814 Compares
Orlando (32814) is below average for auto insurance in Florida, ranking in the 25th percentile.
The cheapest carrier is USAA at $462/6mo — 43% less than the most expensive (State Farm at $811).
The median premium of $572 is 13% below the Florida statewide median of $658.
Frequently Asked Questions
How much is auto insurance in Orlando (32814)?
The median 6-month premium in Orlando (32814) is $572 across 5 carriers. Premiums range from $462 to $811, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 32814?
USAA offers the lowest rate in 32814 at $462/6mo. That's 43% less than the most expensive option (State Farm at $811/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 32814?
Auto insurance rates in Orlando (32814) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Orlando ranks in the 25th percentile statewide, meaning it's below 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 32814?
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.