The best car insurance in Pensacola, FL

By

Erin Gobler

Erin Gobler

Insurance Expert

Erin Gobler is a freelance insurance writer at Policygenius, specializing in auto insurance. Erin has been writing about insurance and other personal finance topics since 2018 and has been published in some of the industry’s leading publications.

Published October 20, 2021

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Florida is one of the priciest states for car insurance rates due to the high number of uninsured and high-risk drivers, among other factors. Drivers in Florida pay an average of $2,914 per year for insurance, though Pensacola drivers pay much less at $2,686 per year, on average.

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Shopping around for rates can help you save money on your insurance premiums. Policygenius can help you find the best rates in Pensacola and can answer any car insurance questions you have.

Key Takeaways

  • GEICO has the cheapest car insurance in Pensacola, with an average rate of $1,326 per year

  • GEICO and State Farm have the least expensive insurance for Pensacola drivers with bad credit, on average

  • Florida drivers are required to have at least $10,000 of both property damage liability coverage and personal injury protection

Cheapest car insurance companies in Pensacola, FL

When you sign up for car insurance in Pensacola, your insurer will consider various factors to determine your rates. Some of the factors that affect your insurance premiums include your age, driving history, credit score, location, and more. In general, high-risk drivers can expect to pay more for insurance.

All companies rely on the same basic factors to set insurance rates. But as you can see from the table below, the average still varies from one insurer to the next, and GEICO offers the lowest rates in Pensacola.

Company

Average cost

JD Power Rating

GEICO

$1,326

871

State Farm

$1,484

881

Travelers

$2,075

861

Nationwide

$2,195

876

MetLife

$2,943

886

Cheapest car insurance rates by ZIP code in Pensacola, FL

You’ll find that even within a city, insurance rates may still vary by location. Some zip codes may have higher crime rates, more accidents, or a higher rate of uninsured drivers that results in higher insurance premiums. On the other hand, zip codes that are considered lower-risk may result in lower rates for local drivers. Below you can see the cheapest insurance rates by zip code in Pensacola.

ZIP code

Average cost

32501

$2,710

32502

$2,707

32503

$2,668

32504

$2,658

32508

$2,685

Choosing the right car insurance company in Pensacola, FL

When you’re shopping for insurance rates in Pensacola, you’ll have plenty of options to choose from. Unfortunately, the large number of choices can feel overwhelming. In general, you want to get the best rate available without having to sacrifice the quality of the coverage.

The insurance experts at Policygenius can help you find the best insurance policy by answering your insurance questions and helping you find the most affordable plan near you.

Car insurance rates for drivers with driving violations in Pensacola, FL

Insurance companies generally charge higher rates to drivers with violations on their record, since they are considered higher risk. Certain offenses, such as causing an accident or driving under the influence, can increase your insurance rates considerably. Other violations such as driving without insurance or failing to stop at a red light may have a lesser impact.

Below you can see some of the most common driving violations and the average insurance rates for drivers with those offenses on their record.

Violation

GEICO

State Farm

Travelers

Nationwide

MetLife

At-fault Accident

$1,962

$1,740

$2,810

$3,083

$5,123

DUI

$2,547

$1,623

$3,122

$4,619

$5,606

Driving with a suspended license

$1,418

$1,623

$3,122

$4,619

$5,606

Driving with an open container

$1,418

$1,623

$2,659

$4,619

$3,741

Driving with expired registration

$1,418

$1,623

$2,659

$2,562

$3,741

Driving without Lights

$1,418

$1,623

$2,659

$2,209

$3,741

Failure to show documents

$1,418

$1,623

$2,659

$2,562

$3,741

Failure to stop at a red light

$1,418

$1,623

$2,659

$2,562

$3,741

Cheapest car insurance for drivers with bad credit in Pensacola, FL

Drivers with poor credit are likely to find that they pay higher insurance rates. Research has linked credit scores to insurance risk, and people with lower credit may have an increased likelihood of filing an insurance claim. There are some states that prohibit insurers from considering a driver’s credit score when setting their insurance rates, but Florida isn’t one of them. Below you can see the rates that most companies charge drivers with bad credit.

Company

Rates for drivers with bad credit

GEICO

$2,663

State Farm

$2,815

UAIC

$3,185

Direct Auto

$3,364

Nationwide

$3,365

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Buying car insurance in Pensacola, FL

Most states require that drivers carry car insurance, and Florida is no exception. In fact, the state requires drivers to show proof of insurance before they can even register their vehicles. Here are the insurance coverages that Florida drivers must have:

  • $10,000 of property damage liability insurance, which covers the cost of damage if you’re at fault for an accident

  • $10,000 of personal injury protection, which covers your medical expenses if you’re injured in an accident

Florida is considered a no-fault insurance state, which means that drivers don’t have to carry bodily injury liability coverage. Instead, no matter who causes an accident, each individual driver’s personal injury protection covers their medical expenses.

In addition to the insurance requirements for most drivers, the state has even higher standards for taxi drivers. Vehicles registered as taxis in Florida must carry bodily injury liability coverage of $125,000 per person and $250,000 per accident, as well as $50,000 of property damage liability coverage.

Drivers caught driving without insurance may have their license plates and driver’s licenses suspended for up to three years, with a $500 reinstatement fee required to get them back.

How to get cheap car insurance in Pensacola, FL

Because of Florida’s high average insurance rates, you’re probably wondering what steps you can take to save money. Below are a few tips to help you reduce your insurance rates:

  • Shop around: As we’ve shown, insurance rates can vary dramatically from one insurer to the next. Don’t assume that the first company you get a quote from will offer you the best rate. Get a quote from multiple companies before choosing the best fit.

  • Save with discounts: Most car insurance companies offer discounts to help customers save on their premiums. Discounts are available for bundled policies, safe driving records, vehicle safety features, and more.

  • Increase your deductible: There’s an inverse correlation between your deductible and your premium. The higher your deductible, the lower your premium, and vice versa. Increasing your deductible just slightly can save you money every month.

Frequently asked questions

How much does car insurance cost in Pensacola?

The average car insurance premium in Florida is $2,914 per year. That being said, plenty of insurers in the state offer premiums that are considerably lower.

Who offers the cheapest car insurance in Pensacola?

GEICO has the cheapest car insurance in Pensacola, with an average rate of $1,326 per year. State Farm offers the next cheapest plans, with an average rate of $1,484.

How do Florida car insurance rates compare to other states?

Florida is among the most expensive states for car insurance costs. The average premium in the state is $2,914 per year, while the national average is just $1,652.

Why is car insurance so expensive in Florida?

Florida’s car insurance rates are higher than other states for a variety of reasons, including the high rate of uninsured drivers and high-risk drivers, as well as the state’s extreme weather.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.