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Jcak & Malt Affordable Car Insurance Oviedo FL stands at number 72 in the list of cities with most expensive car insurance rates in FL State. Car owners in Oviedo FL pay 33% less or say 0.33 times less in car insurance premium than the state car insurance average and 2.2 times more than the national average. Average yearly car insurance rates in Oviedo is about $2000 per year compared to $900 for the national average. This make it mandatory for you to shop for a few car insurance quotes before you buy your policy.