Car Insurance in Orlando, FL

Start your auto insurance quote now!

Get an Auto Quote

Resume a Previous Quote

Find an Agent

Tell us about your residence

Welcome back!

You can pick up from where you left by retrieving your quote below.

Search by Quote ID →

Mercury Car Insurance in Orlando

Orlando is known for its vibrant tourism industry, busy roads, and unpredictable weather—including heavy rainstorms and hurricanes. Mercury understands these challenges and offers comprehensive auto insurance policies to protect you against these local risks. Whether you’re commuting to work, driving to the theme parks, or navigating through stormy weather, Mercury has you covered. You can also save big with our various discounts, which include multi-car savings of up to 16%, a 15% discount for paying in full, and additional savings for accident-free driving, automatic payments, and electronic signatures.

Why Choose Mercury for Orlando Car Insurance?

Friendly, local support: Our local agents are here to give you personalized advice and support, whether you’re dealing with the aftermath of a summer storm or just need to update your coverage.
Affordable rates and discounts: Mercury offers some of the cheapest auto insurance rates in Orlando and numerous discounts to help you save on your premiums, like multi-car savings (up to 16%), a 15% discount for paying in full, and up to 14% off for new customers with a five-year accident-free record.
Customize coverage: Our comprehensive coverage options are designed to protect you in any situation, ensuring you can enjoy the magic of Orlando worry-free.

Sad woman talking on cell phone near wrecked car

Is Auto Insurance Mandatory in Orlando?

Yes, auto insurance is mandatory in Orlando, just like it is throughout Florida. Driving without the required insurance can lead to serious consequences, including fines, license suspension, and even vehicle impoundment.

Legal Requirements to Drive in Orlando

According to the Florida Department of Highway Safety and Motor Vehicles, you must have the following minimum auto insurance coverages to legally drive in Orlando:

Personal injury protection (PIP): $10,000
Property damage liability (PDL): $10,000

These coverages are designed to protect you and others in case of an accident. PIP helps cover medical expenses and lost wages for you and your passengers, regardless of who’s at fault. Property damage liability covers damages you may cause to someone else’s property, such as their car or other belongings.

Optional Coverages in Orlando

While the state-mandated coverages provide basic protection, you may want to consider additional coverages for greater peace of mind, including:

Bodily injury liability: Covers medical expenses and legal fees if you’re found responsible for injuries to others in an accident.
Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who has insufficient or no insurance.
Collision protection: Pays for damages to your vehicle resulting from a collision, regardless of who’s at fault.
Comprehensive coverage: Covers non-collision-related damages to your vehicle — e.g., theft, vandalism, or natural disasters.

What Does Orlando Auto Insurance Not Cover?

Auto insurance policies cover many scenarios and situations, but not everything. Here are some common exclusions you should know about:

Wear and tear: Standard auto insurance policies don’t cover your vehicle’s normal wear and tear. This includes routine maintenance, such as oil changes, brake replacements, and tire rotations.
Personal belongings: Items stolen from your car, such as laptops, phones, or personal belongings, are not covered under standard auto insurance policies. However, they might be covered under a homeowners or renters insurance policy.
Business use: If you use your personal vehicle for business purposes, such as ridesharing or deliveries, a standard auto insurance policy might not provide coverage. You may need a business auto insurance policy for proper protection.
Intentional damage: Any damage you intentionally cause to your vehicle or another person’s property is not covered by auto insurance.
Racing and reckless driving: Accidents or damages that occur while participating in these activities are not covered by your policy.

How to Get Car Insurance in Orlando, FL

Finding the best car insurance doesn’t have to be a hassle. Visit our Florida Insurance Agents page to find an agent near you. Compare quotes to find the right coverage that fits your needs and budget, and drive confidently through Orlando knowing you’re getting the best deal with Mercury.

Start Your Online Quote Today

Portrait of woman enjoying road trip in open top classic car

Get Cheap Auto Insurance in Orlando from Mercury

Finding affordable auto insurance in Orlando doesn’t mean you have to compromise on coverage. Mercury offers budget-friendly options that provide excellent protection for you and your vehicle.

Save More with Discounts

We provide several discounts to help you lower your premiums while maintaining quality coverage. Here are some of the discounts you can take advantage of in Orlando:

Multi-car discount: Insure more than one vehicle and save up to 16%.
Accident-free discount: If you’ve been accident-free and violation-free for 3 years, you can save up to 8%.
Paid-in-full discount: Pay your premium in full and enjoy savings of up to 15%.
Automatic payment discount: Set up automatic payments directly from your bank account and save 4%.
E-signature discount: Sign all documents electronically and get an additional 3% off.
New business 5-year accident-free discount: If you’re a new customer with a clean driving record for the past five years, you can qualify for up to 14% off.

These are just a few of the discounts available. Get a quote today and discover how much you can save with our variety of stackable discounts.

Top Rated Auto Insurance in Orlando, FL

Mercury is trusted by thousands of drivers across Orlando for affordable rates, reliable coverage, and exceptional service. Our customers appreciate our commitment to providing comprehensive protection at budget-friendly prices, along with a variety of discounts that help them save.

Check out real customer reviews to see why they love Mercury!