Cheapest Auto Insurance in Pensacola, Florida (2024)

If you’re searching for new car insurance in Pensacola, your auto insurance costs will probably be lower than the state’s overall average of $201 per month.

Drivers in Pensacola pay an overall average of $180 per month for car insurance. While this is less than what many Florida drivers pay, it’s still higher than the national average of $153 per month. Pensacola’s rates could be lower than other cities in Florida in part because of its smaller population size. The risk of accidents decreases with fewer people on the road.

Here’s what you should know if you’re comparing car insurance companies in Pensacola.

3 of the cheapest car insurance companies in Pensacola

The cost of your auto insurance coverage in Pensacola will depend on several factors, including your driving record, age, gender, credit, and more. But in general, State Farm, GEICO, and Hugo offer affordable policies.

Here’s how these three insurers compare.

Best insurer for affordable full coverage: State Farm

affordable full coverage

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User Reviews	4.2 5,097 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$59/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$74/mo

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Driver Reviews

4.2

Best choiceBased on 9,279 verified guest reviews and ratings

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (5,097)

Roy

December 25, 2024

Verified Review

My State Farm

Know the coverages you need for auto and home.

Andrew

December 24, 2024

Verified Review

Drive Sensors are a Scam

Their 'Drive Safe and Save' setup is a scam that kills my discount. No matter how gently I brake, it registers it as a hard brake. Even when I present them with dash cam video that has the same timestamp and GPS location, they claim their inexpensive device is more accurate than my high-end dash cam.

Mary

December 23, 2024

Verified Review

Rob Becker State Farm is Perfect!

Rob Becker is wonderful! He always answers my calls and provides excellent service. My car has never been in better hands!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

842

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.78

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Pensacola drivers seeking inexpensive auto insurance might find what they’re looking for with State Farm. This insurance company offers some of the lowest-cost full-coverage and liability-only policies in Pensacola.

It’s worth getting a quote from State Farm if you’re shopping for a new policy. This insurer offers several discounts that can help reduce your insurance premiums — including discounts for having multiple cars, bundling policies, being a safe driver, and having a vehicle with safety features.

Pros

• Top J.D. Power customer satisfaction rating in Florida

• Several available discounts

Cons

• No dedicated military discount

• Must speak with an agent to get a policy

Best insurer for military members: GEICO

military members

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User Reviews	4.0 5,773 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.0 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$61/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$76/mo

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Driver Reviews

4.0

Best choiceBased on 10,493 verified guest reviews and ratings

How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (5,773)

Rudy

December 25, 2024

Verified Review

Overpriced

Too expensive.

Merry

December 25, 2024

Verified Review

New Policy Holder

My Geico policy is new. I have not had any claims with them.

Christopher

December 24, 2024

Verified Review

Great Job but Expensive

GEICO has been doing a great job taking care of the customer.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

835

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.74

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Pensacola is home to Pensacola Naval Air Station, which employs more than 16,000 service members. If you’re affiliated with the U.S. military, GEICO could be a good choice for car insurance. The company offers an emergency deployment discount of up to 25% and a dedicated military discount of up to 15% off your insurance rates.

Besides its military discounts, policyholders can also get a series of vehicle equipment, safe driving, driver education, and customer loyalty discounts. Taking advantage of multiple discounts could help reduce your insurance premiums even further.

Pros

• Dedicated military discounts

• Above-average J.D. Power customer satisfaction rating in Florida

Cons

• Low Trustpilot ratings from online reviewers

• Gap insurance not available

Best insurer for low-mileage drivers: Hugo

low-mileage drivers

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User Reviews	4.1 50 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	7.0 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$342/mo

Show Details

Driver Reviews

4.1

Best choiceBased on 128 verified guest reviews and ratings

How drivers feel about Hugo

Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.

AI-generated from the text of verified reviews collected by Insurify

Best For

Micropayments

No down payments

Fast coverage

How drivers feel about Hugo

Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.

AI-generated from the text of verified reviews collected by Insurify

Best For

Micropayments

No down payments

Fast coverage

Reviews (50)

Lachica

December 24, 2024

Verified Purchase

Hugo is the Best and Most Affordable Insurance I've Ever Had

I never had a problem with Hugo. It's just challenging to maintain it with a single income.

Natalie

December 5, 2024

Verified Purchase

Great! Affordable Insurance!

Excellent! It fits perfectly into my budget. It gives me peace of mind every time I head out.

Marcus

December 2, 2024

Verified Review

Bad Company

They never sent the state a record that I had insurance.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Hugo is a newer insurance company offering flexible, on-demand car insurance coverage for Florida drivers. It’s Insurify’s top pick for people who don’t drive often because you can use your car insurance as you need it.

For example, if you’re on a Hugo Flex plan and only commute to the office two days a week, you can turn on your coverage for the days you drive. You can turn off your coverage for the days you’re home, and you won’t pay anything for it. But if you lease or finance your vehicle, you won’t be able to turn your coverage off and on.

Pros

• Can provide temporary coverage, if needed

• Flexible, on-demand insurance

Cons

• Available in only 13 states

• Only offers auto coverage, so you can’t bundle policies

How to get the cheapest car insurance in Pensacola

Car insurance companies consider a number of factors when determining your insurance rates, including your age, gender, credit score, ZIP code, and driving record. Below are some tips for finding the cheapest coverage available in Pensacola.

• Maintain a clean record. Your driving record is one of the major factors affecting your car insurance costs. Focus on maintaining a clean record and avoiding infractions behind the wheel if you want the best rates.

• Take advantage of discounts. Many insurers offer discounts to help reduce your car insurance costs. For example, bundling your homeowners insurance or renters insurance with your auto policy could result in lower rates.

• Shop around. Insurance rates vary by company, so comparing options before deciding on a new policy can help you find the lowest rates.

Find Cheap Car Insurance in Pensacola

Liability rates start at $59 per month

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Cheapest liability-only car insurance in Pensacola: State Farm

Liability insurance provides basic coverage that protects other drivers and others’ personal property if you’re responsible for a car accident. For example, if you’re at fault in an accident and another driver breaks their arm, your liability insurance can cover their medical bills. It’ll also kick in if you back into your neighbor’s fence or mailbox, for example. But liability insurance won’t cover your injuries or damage to your vehicle.

Liability insurance in Pensacola costs an average of $131 per month. These insurers offer affordable liability coverage in the city.

Cheapest full-coverage car insurance in Pensacola: State Farm

Full coverage offers more protection than liability-only insurance. Liability, collision, and comprehensive insurance are generally components of a full-coverage policy, though insurers may offer other coverages.

A full-coverage auto insurance policy can provide added peace of mind if you drive often and have a newer vehicle. If you lease or finance your vehicle, your lender will probably require you to carry full coverage.

Pensacola drivers pay $230 per month for full-coverage policies, on average. Explore affordable full-coverage options in the table below.

Car insurance requirements in Florida

Florida is a no-fault state for car insurance, meaning that you need to submit a claim to your own insurer following an accident, no matter who’s at fault. Personal injury protection, or PIP, coverage is often required in no-fault states. This type of coverage protects you and your family members if you’re injured in an accident and need medical treatment.

The table below shows the minimum-coverage amounts you must have to drive legally in Florida:^[1]

You can also purchase these optional coverages, depending on your insurance needs:

• 

  Bodily injury liability coverage

  This coverage isn’t required in Florida unless you have  a DUI conviction. It protects other drivers and their passengers if you’re at fault in an accident and they’re injured.

• 

  Collision coverage

  Collision insurance protects your vehicle if you’re in an accident. It doesn’t matter who the insurer found at fault; your coverage still applies.

• 

  Comprehensive coverage

  Comprehensive insurance can protect your car if it has damage from a natural event, such as severe weather, fire, or vandalism.

Cheapest car insurance for drivers with an incident

Accidents and incidents sometimes happen, though these can result in higher insurance rates. Drivers with speeding tickets, at-fault accidents, or driving under the influence charges may end up paying more for auto coverage.^[2] Insurance companies view these drivers as a higher risk on the road, which generally means more expensive rates.

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Monthly rates start at $68 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: State Farm

If you have a speeding ticket on your record, your auto insurance may be slightly more expensive than if you had a clean record. Multiple speeding tickets could result in even higher rates.

Pensacola drivers with a speeding ticket pay an average of $282 per month for full coverage and $161 for liability-only insurance. The table below shows how rates can increase for drivers with a speeding ticket compared to rates for drivers with a clean record.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Pensacola drivers with at-fault accidents can expect to pay higher insurance rates than drivers with a clean record. An at-fault accident could make you a higher risk on the road from your insurance company’s perspective.

Pensacola drivers with an accident on their record pay a monthly average of $173 for liability insurance. Check out insurance companies offering relatively affordable coverage in the table below.

Cheapest car insurance for drivers with a DUI: State Farm

Past DUI charges also increase your auto insurance rates and change your coverage requirements in Florida.

If you have a DUI conviction after Oct. 1, 2007, state law requires you to maintain $100,000 per person and $300,000 per accident in bodily injury liability coverage for three years following your license reinstatement. You’ll also need to have $50,000 in property damage liability coverage.^[3] Costs increase even further if you have multiple DUIs.

Liability-only insurance for drivers in Pensacola with a DUI costs an average of $199 per month. Full-coverage rates jump to $349 per month.

Explore rates for drivers with a DUI in the table below.

Cheapest car insurance for seniors: State Farm

Driver age also affects car insurance rates, with insurance costs decreasing around age 35 and increasing again around age 70. Older drivers are more likely to be involved in fatal crashes than middle-aged drivers, so insurance companies view them as a higher risk on the road.^[4]

Senior drivers in Pensacola pay an overall average of $145 per month for car insurance. Here are some insurers offering cheap auto coverage for senior drivers.

Cheapest car insurance for teens: GEICO

Teens are also more likely to be involved in fatal crashes than middle-aged drivers.^[5] This, combined with their inexperience on the road, means higher insurance rates for teenage drivers. Young drivers pay the highest insurance rates, with coverage starting to become more affordable once they reach their late 20s.

Teen drivers in Pensacola pay monthly averages of $218 for liability coverage and $382 for full coverage. Here are some options if you’re a young driver seeking a relatively affordable car insurance policy.

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Pensacola car insurance quotes by credit tier

Car insurance companies in Florida are allowed to consider your credit history when calculating your insurance rates, though it isn’t the sole factor they look at. Drivers with poor credit pay more for car insurance than drivers with excellent credit.

Here’s what Pensacola drivers pay, on average, based on their credit tier.

Is car insurance more expensive in Pensacola? 

Compared to the national overall average of $153 per month, car insurance in Pensacola is relatively expensive. Pensacola drivers pay an overall average of $180 per month for coverage.

Despite paying more than U.S. drivers as a whole, Pensacola drivers pay lower insurance rates than Florida drivers. The overall average cost of coverage in Florida is $201 per month. Drivers in large cities like West Palm Beach and Tampa tend to pay the most for insurance.

More cities in Florida

Five of the most expensive cities to insure a car in Florida are Tampa, Pompano Beach, West Palm Beach, Miami, and Fort Lauderdale. These cities have higher populations than Pensacola, meaning there are likely more drivers on the road per square mile. More drivers on the road can mean a higher risk for incidents, which can lead to higher insurance rates.

See how rates compare in some other Florida cities.

Pensacola car insurance FAQs