Cheapest Auto Insurance in Pensacola, Florida (2024)

State Farm has the cheapest car insurance in Pensacola, with monthly liability rates starting at $63.

Jess Ullrich
Written byJess Ullrich
Jess Ullrich
Jess UllrichInsurance Writer
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  • Former associate finance editor for Investopedia

Jess is a subject matter expert in insurance, banking, and other personal finance topics. Her byline has appeared in numerous top web media, including Investopedia.

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Ashley Cox
Edited byAshley Cox
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Ashley CoxSenior Managing Editor
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  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Updated June 13, 2024

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Cheapest recent rates near Pensacola, Florida

Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $83/mo for full coverage in Pensacola and other Florida cities.

*Quotes generated for Insurify users in and around Pensacola, Florida within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Pensacola, Florida within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $252 per month.

Drivers in Pensacola pay an overall average of $223 per month for car insurance. While this is less than what many Florida drivers pay, it’s still higher than the national average of $160 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.

Quick Facts
  • Liability insurance in Pensacola costs an average of $173 per month, and full coverage costs $272 per month.

  • State Farm, GEICO, and Hugo have the cheapest car insurance in Pensacola.

  • Pensacola drivers pay a yearly average of $3,264 for full-coverage car insurance.

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.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$83$72Affordable full coverage
GEICO4.4$85$74Military members
Hugo3.5$162$77Low-mileage drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for affordable full coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$63/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.
$73/mo

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

Read our State Farm review
Laudita - June 13, 2024
Verified

No Consideration at All, They Don't Care About the Years Spent With Them

They doubled my insurance premium without any reason. I haven't had an accident in the last 10 years.

Luisa - June 13, 2024
Verified

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

Daniel - June 13, 2024
Verified

Excellent

I have no complaints. It has been very good.

Best insurer for military members: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$64/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.
$75/mo

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

Read our GEICO review
Joyce - June 13, 2024
Verified

Excellent

Use Geico, they will work with you.

Polly - June 13, 2024
Verified

Very Sad

The rates are too high.

Larry - June 12, 2024
Verified

Poor

The insurance is overpriced.

Best insurer for low-mileage drivers: Hugo

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
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
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.
$68/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.
$121/mo

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

Read our Hugo review
Thaddeus - June 3, 2024
Verified

On the Go Insurance

It's flexible, but I would like to speak to a human about issues.

David - May 20, 2024
Verified

Yes

It's the best deal for people like me who rarely go out.

William - May 13, 2024
Verified

Average

The service is average.

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 $63 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 $173 per month. These insurers offer affordable liability coverage in the city.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$63
GEICO$64
Hugo$68
Allstate$109
Safeco$115
Mile Auto$116
Mercury$129
Travelers$130
Liberty Mutual$133
Direct Auto$140
Midvale Home & Auto$153
Progressive$160
Infinity$174
Foremost$184
Dairyland$191
GAINSCO$195
AssuranceAmerica$212
Bristol West$239
National General$269
The General$280
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $272 per month for full-coverage policies, on average. Explore affordable full-coverage options in the table below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$73
GEICO$75
Hugo$121
Allstate$126
Safeco$145
Travelers$150
Mercury$155
Mile Auto$160
GAINSCO$204
Liberty Mutual$222
Progressive$227
Midvale Home & Auto$231
Infinity$232
Direct Auto$242
Foremost$277
National General$277
AssuranceAmerica$316
Dairyland$338
Bristol West$349
The General$405
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Pensacola, Florida

Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $87/mo for full coverage in Pensacola and other Florida cities.

*Quotes generated for Insurify users in and around Pensacola, Florida within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Pensacola, Florida within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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]

CoverageMinimum Requirements
Property damage liability$10,000
Personal injury protection (PIP)$10,000

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

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

Shop for Car Insurance in Pensacola, FL

Monthly rates start at $73 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 $324 per month for full coverage and $206 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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$63$74
GEICO$64$75
Hugo$68$85
Allstate$109$128
Safeco$115$138
Mile Auto$116$148
Mercury$129$164
Travelers$130$154
Liberty Mutual$133$174
Direct Auto$140$166
Midvale Home & Auto$153$187
Progressive$160$189
Infinity$174$214
Foremost$184$241
Dairyland$191$226
GAINSCO$195$256
AssuranceAmerica$212$256
Bristol West$239$279
National General$269$309
The General$280$334
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $224 for liability insurance. Check out insurance companies offering relatively affordable coverage in the table below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm$63$79
GEICO$64$81
Hugo$68$83
Allstate$109$138
Safeco$115$141
Mile Auto$116$161
Mercury$129$174
Travelers$130$166
Liberty Mutual$133$185
Direct Auto$140$182
Midvale Home & Auto$153$206
Progressive$160$206
Infinity$174$217
Foremost$184$256
Dairyland$191$242
GAINSCO$195$238
AssuranceAmerica$212$269
Bristol West$239$298
National General$269$340
The General$280$362
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $259 per month. Full-coverage rates jump to $407 per month.

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

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm$63$100
GEICO$64$102
Hugo$68$108
Allstate$109$173
Safeco$115$183
Mile Auto$116$166
Mercury$129$184
Travelers$130$207
Liberty Mutual$133$212
Direct Auto$140$223
Midvale Home & Auto$153$244
Progressive$160$255
Infinity$174$277
Foremost$184$293
Dairyland$191$304
GAINSCO$195$310
AssuranceAmerica$212$337
Bristol West$239$380
National General$269$428
The General$280$446
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Hugo

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 $185 per month for car insurance. Here are some insurers offering cheap auto coverage for senior drivers.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm$57$49
GEICO$60$51
Hugo$87$49
Allstate$101$88
Mercury$117$97
Safeco$117$93
Travelers$118$102
Mile Auto$121$88
Progressive$163$115
GAINSCO$168$160
Infinity$175$132
Midvale Home & Auto$176$117
Liberty Mutual$177$106
Direct Auto$187$108
Foremost$217$144
National General$222$216
AssuranceAmerica$240$161
Dairyland$271$153
Bristol West$280$192
The General$332$229
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $267 for liability coverage and $419 for full coverage. Here are some options if you’re a young driver seeking a relatively affordable car insurance policy.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
GEICO$108$92
State Farm$114$99
Hugo$196$110
Allstate$204$177
Travelers$250$217
Mercury$262$218
Safeco$283$225
Mile Auto$289$210
GAINSCO$338$323
Midvale Home & Auto$372$246
Progressive$381$269
Liberty Mutual$383$229
Infinity$395$296
Direct Auto$410$237
Foremost$455$302
National General$486$472
Dairyland$522$295
AssuranceAmerica$545$366
Bristol West$549$376
The General$603$417
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Pensacola? 

Compared to the national overall average of $160 per month, car insurance in Pensacola is relatively expensive. Pensacola drivers pay an overall average of $223 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 $252 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.

CityFull CoverageLiability Only
Fort Lauderdale$348$264
Miami$387$283
Naples$281$178
Orlando$306$222
Pompano Beach$345$262
Tallahassee$263$166
Tampa$380$316
West Palm Beach$364$303
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Pensacola car insurance FAQs

If you’re shopping for car insurance in Pensacola, this additional information may help as you research your coverage options.

  • How much is car insurance in Pensacola?

    Car insurance in Pensacola costs $173 per month for liability coverage and $272 per month for full coverage, according to Insurify data.

  • Which companies have the cheapest car insurance in Pensacola?

    State Farm has the cheapest car insurance in Pensacola, with monthly liability rates as low as $63. GEICO and Hugo also offer affordable coverage, with respective monthly liability rates of $64 and $68.

    But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.

  • What are the best car insurance companies in Pensacola?

    With an IQ Score of 4.3 out of 5, above-average J.D. Power customer satisfaction ratings, and an AM Best financial strength rating of A++ (Superior) financial strength rating from AM Best, State Farm is the best car insurance company in Pensacola.

    Other top insurers in the city include GEICO and Hugo.

  • What factors influence the cost of a car insurance policy in Pensacola?

    Your age, credit history, ZIP code, driving record, and type of car you drive are among the many factors that influence the cost of your car insurance policy, regardless of where you live.

  • What is the average car insurance cost in Florida?

    The average cost of car insurance in Florida is $213 per month for liability-only coverage and $290 per month for full coverage.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  3. The Florida Bar. "Automobile Insurance."
  4. Insurance Institute for Highway Safety. "Older drivers."
  5. Insurance Institute for Highway Safety. "Teenagers."
Jess Ullrich
Jess UllrichInsurance Writer

Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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