Pensacola Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Florida has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Pensacola typically pay around $257.34 per month compared to the national average of $167.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Pensacola, FL Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Liberty Mutual generally has the most affordable car insurance in Pensacola coming in around $106.33 per month. Other companies to consider if you live in Pensacola is Safeco with an average cost of $117.29 per month and State Farm which typically runs around $123.76 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Pensacola.

How Much is Car Insurance in Pensacola, FL?

Rates can vary from city to city. The residents of Boca Raton typically pay $338.12 per month while people who live in Fort Lauderdale will pay $373.11 per month on average. See what people pay for car insurance in other cities in Florida.

Cheap Car Insurance in Pensacola by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Florida. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Pensacola

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $204.75 per month in Pensacola. Compare that to drivers in their 30’s who typically pay around $377.31 per month drivers in their 40s at $238.72 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Pensacola

If you are teen in Pensacola you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Liberty Mutual typically charges around $84.81 per month. This is likely the most affordable option in Pensacola. You might also want to consider State Farm and Direct Auto who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Pensacola

20 year-olds in Pensacola might want to consider Safeco who, on average, offers car insurance rates around $76.27 per month. Liberty Mutual , 21st Century , State Farm and Direct Auto are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Pensacola

If you are in your 30s in Pensacola our research has found that Liberty Mutual typically has the most affordable coverage coming in around $105.69 per month, followed by State Farm at $118.08 and Direct Auto at $166.22.

Cheapest Insurance for 40 Year-olds in Pensacola

On average, Liberty Mutual offers car insurance for 40 year-olds in Pensacola for around $106.48 per month. If you are looking for affordable coverage, you may also want to consider State Farm or 21st Century. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Pensacola

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Pensacola we found that State Farm generally offers the most affordable coverage at $105.30 per month.

Cheapest Insurance for 60 Year-olds in Pensacola

If you live in Pensacola and you’re in your 60s, our data indicates that State Farm usually has the best rates at $104.69 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Pensacola, FL

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Pensacola, the average monthly rate for a driver who is currently insured is $213.74 while drivers who are not currently covered will pay around $309.26.

Compare Recent Car Insurance Quotes in Pensacola

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Pensacola a driver of a 2011 Nissan Maxima can expect to pay around $134.47 per month while someone that owns a 2023 Toyota Camry may pay around $192.35 per month. Check out the list of recent quotes in Pensacola below.

FAQ's for Drivers in Pensacola, FL

What Is the Minimum Liability Coverage Requirement in Pensacola, FL?

The minimum insurance coverage needed in Florida is $10,000 of personal injury protection (PIP) and $10,000 property damage liability (PDL). Florida drivers should also have $10,000/$20,000 bodily injury liability coverage per person/per incident, but policyholders can reject this coverage if they really want to.

Florida is a no-fault state. This means your rights are limited to sue an at-fault driver following a collision. No-fault insurance coverage can pay up to 80% of injury-related expenses and up to 60% of lost wages. It does not cover damaged property.

•  $10,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
•  $10,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
•  $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Although you are not legally required to carry full coverage insurance in Florida, most lenders demand this level of coverage. They may also require additional coverages. Consider this when calculating the price of your auto loan.

What Is the Blood Alcohol Concentration (BAC) limit in Pensacola, FL?

It is illegal for individuals to operate a motor vehicle in Florida with the following BAC percentages:

• .08%+ at 21 years old or older
• .04%+ for commercial vehicle drivers
• .02%+ at under 21 years old

DUI is also proven by impairment of normal faculties. For more information about Florida’s DUI laws, refer to Florida DUI and Administrative Suspension Laws on the Florida Department of Highway Safety and Motor Vehicles website.

What are the consequences of being convicted of a DUI?

The consequences of a DUI in Florida depend on the number of convictions, your blood alcohol level, and whether you were transporting a minor at the time of your arrest. At the very least, you will face a fine, community service, and probation. You may also receive jail time at the court’s discretion.
In addition, the long-term damage to your finances could be devastating. You may incur such expenses as higher insurance rates, attorney fees, court costs, vehicle impoundment, mandatory installation of an ignition interlock device, and others.

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