Cheap Auto Insurance Quotes in Pensacola, FL (December 2021)

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Car Insurance in Pensacola, FL

The average cost of Florida car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Pensacola, FL to find you the cheapest quotes in the area.
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ProgressiveAssuranceAmericaEconomySafecoBristol WestDirect Auto

Cheapest Car Insurance in Pensacola, FL

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

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FloridaJacksonvilleMiamiTampaOrlandoPensacola
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Pensacola, FL Driving Facts

florida

Minimum Car Insurance Requirements in FL

All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:

  • $10,000 no-fault or personal injury protection (PIP) insurance

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Florida state is $10,000.  In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law.

  • $10,000 property damage liability (PDL) insurance

The state minimum amount of property damage liability coverag  required in the state of Florida is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident, up to the declared coverage limit.

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Insurify Insights: How Pensacola Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Pensacola, FL
suspended licenses
#62
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Pensacola drivers measure up to their fellow Florida motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Pensacola

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Pensacola drivers rank 7 in the number of car accidents per driver across all cities in Florida.

  • Rank within state: #7
  • Percent of drivers in Pensacola with an accident: 12.79%
  • Drivers in Pensacola, FL with an accident in their driving history paid on average 35.19% more than drivers with a clean record

Speeding Pensacola

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Pensacola drivers rank 32 in the number of speeding infractions per driver.

  • Rank within state: #32
  • Percent of drivers in Pensacola with a speeding ticket: 9.04%
  • Drivers in Pensacola, FL with a speeding ticket in their driving history paid on average 27.78% more than drivers with a clean record

DUI/DWIs Pensacola

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Pensacola drivers rank 32 in the number of DUI’s per driver across all cities in Florida.

  • Rank within state: #32
  • Percent of drivers in Pensacola with a DUI: 1.23%
  • Drivers in Pensacola, FL with a DUI in their driving history paid on average 28.24% more than drivers with a clean record

Rude Pensacola

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Florida, Pensacola drivers rank 9 in rude driving infractions.

  • Rank within state: #9
  • Percent of drivers in Pensacola with a reckless driving violation: 3.39%
  • Drivers in Pensacola, FL with a reckless driving violation in their driving history paid on average 15.74% more than drivers with a clean record.

Safest Drivers Pensacola

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Pensacola drivers rank 89 in clean driving records across all cities in Florida.

  • Rank within state: #89
  • Percent of drivers in Pensacola with clean record: 79.07%

Failure to Yield the Right of Way Pensacola

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Pensacola drivers rank 6 in failure to yield violations per driver across all cities in Florida.

  • Rank within state: #6
  • Percent of drivers in Pensacola with a failure to yield violation: 0.96%
  • Drivers in Pensacola, FL with a failure to yield violation in their driving history paid on average 1700% more than drivers with a clean record

Reckless Drivers Pensacola

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Florida, Pensacola drivers rank 7 in the number of reckless driving offenses per driver.

  • Rank within state: #7
  • Percent of drivers in Pensacola with a reckless driving offense: 0.33%

Most Popular Vehicle Pensacola

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Pensacola is the Nissan Altima.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.


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