(800) 956-3728 
Tell us about your residence
Welcome back!
You can pick up from where you left by retrieving your quote below.
Search by Quote ID → Search by Date of BirthMercury Car Insurance in Orlando
Orlando is known for its vibrant tourism industry, busy roads, and unpredictable weather - including heavy rainstorms and occasional 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.
Why Choose Mercury?
- 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.
- Customize coverage: Our comprehensive coverage options are designed to protect you in any situation, ensuring you can enjoy the magic of Orlando worry-free.
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.
Contact us today for a fast, free quote!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.
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:
- Good driver discount: Maintain a clean driving record with no accidents or traffic violations to qualify for reduced rates.
- Good student discount: Students with good grades can save on auto insurance.
- Anti-theft feature discount: Equip your car with approved anti-theft devices to earn a discount.
- Multi-car discount: Insure more than one vehicle with Mercury and get a discount on your premiums.
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.
