Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Orlando

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Orlando Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

148Reviewed

96Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

360 Columbia Drive, Suite 104, Orlando, FL 33409
WebsiteLicense: L086887

Expertise.com Rating

Review Sources

Google
4.6 (50)

Why choose this provider?

World is an insurance company serving families, employees, and business owners in Orlando and the surrounding areas. It offers insurance products for private vehicles, rental cars, and commercial trucks that protect policyholders from theft and vandalism, accidents, and financial liability from bodily injury and property damage caused to others. Its team of insurance agents collaborates with multiple providers to custom-design and compare rates and assists clients in lowering their premiums based on age, driving records, and gender. World has over 300,000 policyholders in more than 260 locations.

  • Multiple Carriers

5728 Major Blvd.-Suite 174, Orlando, FL 32819
WebsiteLicense: L094412

Expertise.com Rating

Review Sources

Google
3.8 (11)

Why choose this provider?

WS Insurance Group caters to clients in Orlando and the surrounding communities. The company offers a wide variety of personal and commercial insurance lines, including auto insurance. As an independent insurance agency, it represents several carriers that can provide clients with a wide range of auto coverage options, from comprehensive, collision, and medical to property damage liability and uninsured or underinsured motorist. The company also delivers ATV, off-road, collector car, boat, watercraft, and commercial auto insurance.

  • Multiple Carriers

105 East Robinson Street Suite 301, Orlando, FL 32801
WebsiteLicense: L106605

Expertise.com Rating

Review Sources

Google
4.2 (25)
Facebook
5.0 (3)

Why choose this provider?

Randall Insurance Solutions is an independent agency that offers car insurance plans for individuals, families, and businesses throughout the Orlando area. Its agents write auto policies that include coverages for collision, comprehensive, bodily injury liability, property damage, and uninsured and underinsured liability. They also provide other products, including property, motorcycle, boat and watercraft, life, and umbrella protection plans. Randall Insurance has been serving in the industry since 2018. Its partners have a combined experience of over 60 years in employee benefits insurance and corporate expenditure reductions.

  • Multiple Carriers

750 S. Orange Blossom Trail Suite 4, Orlando, FL 32805
WebsiteLicense: L071402

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

The Macon Agency is a full-service insurance company that serves the Orlando metro and nearby areas. It offers auto insurance plans that protect clients from financial mishaps in the event of a car accident or theft. Its independent insurance agents provide a wide variety of auto coverage options, such as property damage, personal liability, and medical payments, from dozens of carriers. The company also offers home, life, dental, business, and general liability insurance.

1000 Emmett St Ste 101, Kissimmee, FL 34741

Expertise.com Rating

Review Sources

Google
4.9 (87)
Facebook
5.0 (58)
Yelp
4.5 (6)

Why choose this provider?

Founded in 2000, Amsley Insurance Services is an established independent insurance agency in Kissimmee, Florida, that provides reliable auto insurance services to the area's residents as well as those from the surrounding communities. Auto coverage available offers financial protection against physical damage, bodily injuries, and liability that could arise in case of an accident. Auto insurance may also protect against perils such as natural disasters, theft, collision, and uninsured or underinsured motorists. Antique car and motorcycle insurance are also offered.

1337 S International Pkwy Ste 1311, Lake Mary, FL 32746

Expertise.com Rating

Review Sources

Google
4.9 (41)
Facebook
4.9 (38)
Yelp
3.5 (3)

Why choose this provider?

SunGate Insurance Agency has provided personal and commercial auto insurance in the Orlando, Florida, area since 2010. As an independent agency, SunGate is positioned to work with a variety of providers to find the policy that best suits clients' needs. Coverage may include minimum liability or a comprehensive package for multiple vehicles that include motorcycles, motor homes, all types of recreational vehicles, and classic cars. SunGate also offers home, life, and a full list of business insurance.

709 W Oak Ridge Road, Orlando, FL 32809
WebsiteLicense: L059199

Expertise.com Rating

Review Sources

Google
3.9 (24)

Why choose this provider?

Affordable Insurance-Orlando caters to individuals, families, and businesses in the metro and the surrounding communities. It helps motorists protect themselves on the road by offering different car insurance policy options, with collision, comprehensive, liability, personal injury, and uninsured or underinsured motorist protection coverages. The company also provides individual and group health, home, life, umbrella, and renters' insurance plans. Other insurance products available include BOP, commercial property, general liability, and workers' compensation insurance.

  • Boats
  • Motorcyle & ATV

20 S. Bumby Ave., Orlando, FL 32803
WebsiteLicense: L085093

Expertise.com Rating

Review Sources

Google
3.8 (12)

Why choose this provider?

Corkhill Insurance Agency, LLC, has been serving the financial security needs of people around the Orlando metro and its surrounding communities since 1975. It offers auto insurance policies to individuals, families, and enterprises. It also provides home, property, general liability, and business insurance packages. The independent insurance firm listens to clients and evaluates their insurance needs before designing programs that match their requirements. It delivers services through companies such as Auto-Owners Insurance, Bridgefield Casualty Insurance Company, Mapfre, and Nationwide.

  • Multiple Carriers
  • Bundling Option

7587 W Sand Lake Rd, Orlando, FL 32819

Expertise.com Rating

Review Sources

Google
4.9 (580)
Yelp
4.5 (4)

Why choose this provider?

Harry Levine Insurance has been providing auto coverage to drivers in the Orlando, Florida, metro area for more than three decades. To help clients find the most affordable rates for protecting their cars, trucks, and motorcycles, the agency partners with a variety of insurers, including Travelers and Nationwide. Uninsured motorist and personal injury protection are some of the most common coverages on its policies. The agency also offers life, pet, and restaurant insurance.

401 S. Rosalind Avenue Suite 102, Orlando, FL 32801
WebsiteLicense: L093696
Website

Expertise.com Rating

Review Sources

Facebook
5.0 (13)
Google
4.7 (12)
Yelp
5.0 (3)

Why choose this provider?

Signature Insurance Group caters to clients in Orlando and the surrounding localities. The company offers personal auto insurance for individuals and families. The independent insurance agency represents different carriers that provide clients with various auto coverage options like personal liability and property damage. The team also offers RV, boat, and commercial auto insurance for vans, cars, and trucks. Other financial solutions provided by the group include employee benefits, payroll administration, and risk management services.

  • Multiple Carriers
  • RV & Motorhome
  • Boats

8734 Lee Vista Blvd Suite 300, Orlando, FL 32829
WebsiteLicense: L096878

Expertise.com Rating

Review Sources

Google
4.9 (69)
Facebook
5.0 (6)

Why choose this provider?

Guardian Tower Insurance is an independent agency that serves clients in Orlando and nearby areas. It offers auto insurance policies with collision, comprehensive, and liability coverage, as well as medical payment for injuries sustained by the driver or passengers in a car accident. The firm also has whole and term life insurance options and risk management solutions for homeowners, condos, and renters. Guardian Tower Insurance assists businesses with commercial auto, general liability, workers' compensation, and BOP policies.

  • Motorcyle & ATV

3776 W. Colonial Dr., Orlando, FL 32808
WebsiteLicense: A216566

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Reed Insurance Orlando is a full–service independent personal insurance agency serving individuals, families, and businesses in the metro and nearby communities since 1970. It works with a select group of insurance companies to build personalized auto insurance plans to protect clients from significant financial loss resulting from car accidents. Policies generally cover all car damage and protection against legal and medical expenses caused by accident-related injuries. The firm also offers home, motorcycle and ATV, and boat insurance.

  • Motorcyle & ATV

1215 W. Fairbanks Ave., Orlando, FL 32804
WebsiteLicense: L053547

Expertise.com Rating

Review Sources

Google
4.7 (16)
Facebook
5.0 (12)

Why choose this provider?

Lancaster & Associates Insurance is a veteran-owned and veteran-operated independent insurance agency catering to clients in the Orlando metro and the neighboring communities. The agency helps individuals and businesses protect their future finances by providing insurance plans for businesses, auto, homes, life, boats, RVs, and motorcycles. Its agents offer coverages for bodily injury, property damage, and collision. They also provide advice on which coverage to choose. The agency is partnered with various insurance carriers such as Nationwide, Progressive, Foremost, and National General.

  • Multiple Carriers

9645 E Colonial Dr Ste 112, Orlando, FL 32817

Expertise.com Rating

Review Sources

Facebook
4.3 (9)

Why choose this provider?

Founded in 1998, AA Auto, Home and Commercial is a full-service, family-owned, independent insurance agency located in Orlando, Florida. Insurance specialists work with many top carriers to find drivers' policies that meet their needs. The company offers property, liability, medical coverage, and clients can add extra protection with collision and comprehensive plans. Other types of insurance include health, homeowners, mobile home, renters, and commercial coverage for general liability, professional liability, and auto and fleet.

3724 S Conway Road, Orlando, FL 32812
WebsiteLicense: R000056

Expertise.com Rating

Review Sources

Google
4.4 (18)
Facebook
5.0 (4)

Why choose this provider?

Since 1991, Blackwood Insurance has been protecting Orlando car owners from financial losses arising from vehicular incidents. Its auto insurance policy has six indemnity options like property, liability, and medical coverages after thefts, accidents, or calamities. It helps with policy information updates and accident claims. The full-service company also offers life, home, disability, health, and business insurance. During the 1998 tornado outbreak in Florida, the independent agent checked on its clients in affected areas without waiting for the damage reports to come in.

  • Multiple Carriers
  • Bundling Option

5659 Curry Ford Road, Orlando, FL 32822
WebsiteLicense: L058983

Expertise.com Rating

Review Sources

Google
4.9 (449)
Facebook
5.0 (69)
Yelp
3.5 (3)

Why choose this provider?

Accent Brokers Insurance offers its products and services to Orlando and its surrounding localities. Through its partnership with carriers such as Lexington Insurance, AmTrust, and Progressive, its staff has been assisting clients in shopping for an insurance policy that fits their needs since 2006. Its products are geared toward protecting automobiles, homes, and other personal belongings from loss or damage due to hazards, accidents, and theft. Its multilingual employees are also available for inquiries from Portuguese- and Spanish-speaking clients.

  • Bundling Option
  • Multiple Carriers

1317 Citizens Boulevard, Leesburg, FL 34748
WebsiteLicense: L087255

Expertise.com Rating

Review Sources

Google
3.9 (13)
Facebook
4.6 (10)

Why choose this provider?

LassiterWare - Leesburg is an insurance service provider that protects Orlando-based car owners and their assets via auto insurance coverages. The independent business identifies the clients' risks and provides personalized auto insurance policies that address their concerns and needs. It also offers coverages for motorcycles, classic cars and RVs, ATVs, golf carts, jet skis, and boats and yachts. G.G. Ware, who was president of the First National Bank, founded the company in 1909.

  • Multiple Carriers

1548 S. Semoran Blvd., Orlando, FL 32807
WebsiteLicense: L016633

Expertise.com Rating

Review Sources

Google
4.5 (131)

Why choose this provider?

Universal Insurance Agency provides services to the residents of Orlando and the surrounding cities. It offers car insurance policies to help clients protect their finances from liability and medical expenses caused by collisions. It also handles homeowners, renters, and condo insurance products. Its team assists business owners in applying for general liability, workers' compensation, PEO, and bond insurance plans. The agency carries Progressive, Travelers, and The Hartford insurance products. Its owner and principal broker, Diana Giron, has over 25 years of experience in the insurance industry.

  • Motorcyle & ATV
  • Multiple Carriers
  • RV & Motorhome

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • How much does Orlando motorists pay for car insurance?

    The annual car insurance cost in Orlando typically amounts to $2,302, which is slightly below the statewide average of $2,309 and higher than the national average of $1,548. Insurance companies take into account factors such as the driver's age, driving record, and the make and model of the vehicle when determining these rates.

  • Do parking locations have an impact on car insurance rates in Orlando?

    Yes. In Orlando, insurance companies consider various factors related to the parking locations of car owners when determining insurance premiums. These variables include local regulations, crime statistics, and the availability of off-street parking options. Additionally, insurers assess the number of drivers in the region and the overall frequency of car accidents in the local area.

  • How does an at-fault accident or traffic violation in Orlando impact car insurance rates?

    In Orlando, being responsible for a car accident can lead to a monthly premium rate hike of anywhere from $103 to $110. The length of time this will affect the driver's premium depends on the nature of the incident or violation, typically spanning three to five years. Traffic violations, such as DUIs and DWIs, can have a lasting impact on a motorist's driving record and insurance premium.

  • What are the consequences of driving uninsured in Orlando?

    Drivers in Orlando who are caught operating a vehicle without the necessary insurance coverage may face a suspension of their driver's licenses and license plates for a maximum period of three years. Moreover, they are obligated to pay a $500 reinstatement fee to restore their driver's licenses and vehicle registrations.

  • How does credit history affect Orlando's car insurance rates?

    The credit history of Orlando drivers can have an influence on their auto insurance costs because insurers typically use a credit-based insurance score to assess the risk associated with a policyholder. An excellent credit score generally signals a reduced risk level, leading to potentially more affordable insurance premiums.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.