Cheapest Auto Insurance in Pensacola, Florida (2026)

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 $176 per month.

Drivers in Pensacola pay an overall average of $159 per month for car insurance. While this is less than what many Florida drivers pay, it’s still higher than the national average of $140 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.

6 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	4.0 17,001 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.	$94/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.	$131/mo

Details

Driver Reviews

4.0

Best choiceBased on 17,001 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.9	2.9
Policy transparency	3.8	3.1
Value	3.7	2.9

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

---

Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Florida reviews for Pensacola driversSee all 7,377 State Farm reviews

Mary

Verified Review

High 5 to State Farm

Reviewed in Florida on April 12, 2026

I have had great customer service since I joined them almost 2 years ago, and the rate I pay is cheaper than every other insurance company that claims to be able to get me a cheaper rate. If it ain't broke, don't fix it.

Norma

Verified Review

Insured

Reviewed in Florida on April 12, 2026

It's okay, but I can only afford state-required coverage.

Catherine

Verified Review

Expensive

Reviewed in Florida on April 8, 2026

They keep raising their rates regardless of how long you have been insured by them.

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JD Power

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

650

NAIC Index

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

0.84

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	3.9 17,248 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.	9.2 /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.	$106/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.	$184/mo

Details

Driver Reviews

3.9

A solid optionBased on 17,248 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.8	2.9

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

Based on analysis of verified reviews collected by Insurify

---

Best For

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 Florida reviews for Pensacola driversSee all 7,599 GEICO reviews

Jan

Verified Review

Good service at a cost

Reviewed in Florida on April 12, 2026

Good service, but too expensive.

Kathleen

Verified Review

Too much money

Reviewed in Florida on April 10, 2026

Too much money. I've never had an accident, and they keep raising my rates.

Julie

Verified Review

Goodbye Geico!

Reviewed in Florida on April 7, 2026

Not sure why I had to pay so much (around $135/month) for the minimum coverage (PIP). That is why I shopped around and finally switched to Progressive, which is slightly cheaper.

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JD Power

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

629

NAIC Index

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

0.59

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

Compare Quotes

User Reviews	4.5 207 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.	6.3 /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.	$251/mo

Details

Driver Reviews

4.5

Best choiceBased on 207 verified driver reviews and ratings

	Hugo's score	Industry average
Coverage options	3.6	3.2
Customer service	3.1	3.6
Discounts	3.7	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

Based on analysis of verified reviews collected by Insurify

---

Best For

Micropayments

No down payments

Fast coverage

Showing recent national reviewsSee all 67 Hugo reviews

Donita

Verified Purchase

Excellent

Reviewed in Illinois on April 2, 2026

They are convenient for most of your needs! They have great prices for what you're looking for.

Shelbi

Verified Purchase

Hugo Helps in a Flash

Reviewed in Illinois on March 21, 2026

I like that Hugo offers short-term plans. However, I wish they offered full coverage for vehicles.

Quincy

Verified Purchase

Great news

Reviewed in Pennsylvania on March 18, 2026

I like it, and it’s much easier to use the app to add cars than talking on the phone and waiting for your card to come in the mail.

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JD Power

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

Not rated

NAIC Index

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

Not rated

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.

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Liability rates start at $86 per month

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Cheapest liability-only car insurance in Pensacola: Progressive

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 $118 per month. These insurers offer affordable liability coverage in the city.

The below rates in Pensacola, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
Progressive	$86
Mile Auto	$94
State Farm	$94
Clearcover	$96
GEICO	$106
Dairyland	$110
Embark	$119
Infinity	$121
Direct Auto	$134
Mercury	$134
GAINSCO	$137
The General	$144
Bristol West	$155
Root	$162
Allstate	$163
AssuranceAmerica	$166
National General	$166
Travelers	$194
Mendota	$252
First Acceptance	$263
Liberty Mutual	$263
Liberty Mutual	$263

Disclaimer: Table data sourced from real-time Pensacola car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pensacola 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 $201 per month for full-coverage policies, on average. Explore affordable full-coverage options in the table below.

The below rates in Pensacola, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$131
Progressive	$146
Mile Auto	$151
Mercury	$179
GEICO	$184
National General	$193
Clearcover	$200
Direct Auto	$203
Bristol West	$217
Allstate	$227
Infinity	$228
The General	$238
Embark	$259
Root	$261
AssuranceAmerica	$262
Travelers	$270
GAINSCO	$279
Liberty Mutual	$298
Liberty Mutual	$298
Dairyland	$310
First Acceptance	$337
Mendota	$343

Disclaimer: Table data sourced from real-time Pensacola car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pensacola 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]

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

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.

Shop for Car Insurance in Pensacola, FL

Monthly rates start at $97 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Progressive

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 $235 per month for full coverage and $138 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 in Pensacola, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
Progressive	$86	$100
Mile Auto	$94	$111
State Farm	$94	$115
Clearcover	$96	$119
Dairyland	$110	$132
GEICO	$106	$134
Embark	$119	$139
Infinity	$121	$149
GAINSCO	$137	$158
Direct Auto	$134	$163
Mercury	$134	$180
The General	$144	$187
Bristol West	$155	$189
AssuranceAmerica	$166	$204
Allstate	$163	$205
Root	$162	$209
Travelers	$194	$244
Mendota	$252	$294
First Acceptance	$263	$307
Liberty Mutual	$263	$324
Liberty Mutual	$263	$324

Disclaimer: Table data sourced from real-time Pensacola car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pensacola may vary based on the policy buyer's unique driver profile.

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

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 $151 for liability insurance. Check out insurance companies offering relatively affordable coverage in the table below.

The below rates in Pensacola, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
Progressive	$86	$110
State Farm	$94	$122
Mile Auto	$94	$125
Clearcover	$96	$135
GEICO	$106	$137
Dairyland	$110	$143
Embark	$119	$152
Infinity	$121	$157
GAINSCO	$137	$172
Direct Auto	$134	$180
The General	$144	$195
Mercury	$134	$197
Bristol West	$155	$201
Root	$162	$214
Allstate	$163	$215
AssuranceAmerica	$166	$217
Travelers	$194	$257
Mendota	$252	$322
First Acceptance	$263	$336
Liberty Mutual	$263	$343
Liberty Mutual	$263	$343

Disclaimer: Table data sourced from real-time Pensacola car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pensacola may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Progressive

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 $156 per month. Full-coverage rates jump to $266 per month.

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

The below rates in Pensacola, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
Progressive	$86	$114
Mile Auto	$94	$130
State Farm	$94	$130
Clearcover	$96	$133
GEICO	$106	$145
Dairyland	$110	$152
Embark	$119	$158
Infinity	$121	$167
Direct Auto	$134	$185
GAINSCO	$137	$189
The General	$144	$192
Mercury	$134	$196
Bristol West	$155	$214
Allstate	$163	$225
Root	$162	$226
AssuranceAmerica	$166	$229
Travelers	$194	$268
Mendota	$252	$334
First Acceptance	$263	$348
Liberty Mutual	$263	$364
Liberty Mutual	$263	$364

Disclaimer: Table data sourced from real-time Pensacola car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pensacola may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Progressive

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 $143 per month for car insurance. Here are some insurers offering cheap auto coverage for senior drivers.

The below rates in Pensacola, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
State Farm	$105	$76
Mile Auto	$122	$76
Progressive	$131	$77
Mercury	$146	$109
GEICO	$150	$86
Infinity	$169	$90
Direct Auto	$170	$112
Clearcover	$181	$87
Bristol West	$185	$132
Allstate	$189	$135
The General	$207	$125
AssuranceAmerica	$210	$133
Travelers	$221	$159
Root	$223	$139
Embark	$233	$107
GAINSCO	$243	$120
Liberty Mutual	$254	$224
Liberty Mutual	$254	$224
Dairyland	$269	$95
First Acceptance	$303	$237
Mendota	$309	$227

Disclaimer: Table data sourced from real-time Pensacola car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pensacola may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Progressive

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 $201 for liability coverage and $343 for full coverage. Here are some options if you’re a young driver seeking a relatively affordable car insurance policy.

The below rates in Pensacola, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
State Farm	$248	$178
Progressive	$249	$147
Mile Auto	$303	$189
Mercury	$318	$238
Clearcover	$318	$153
GEICO	$324	$186
Bristol West	$374	$267
Infinity	$381	$202
Direct Auto	$384	$253
The General	$414	$250
Allstate	$438	$314
Root	$441	$274
Embark	$442	$203
GAINSCO	$487	$239
Liberty Mutual	$507	$447
Liberty Mutual	$507	$447
Dairyland	$522	$185
AssuranceAmerica	$528	$335
Travelers	$549	$394
First Acceptance	$575	$449
Mendota	$586	$430

Disclaimer: Table data sourced from real-time Pensacola car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pensacola 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.

Is car insurance more expensive in Pensacola? 

Compared to the national overall average of $140 per month, car insurance in Pensacola is relatively expensive. Pensacola drivers pay an overall average of $159 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 $176 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.

City	Full Coverage	Liability Only
Fort Lauderdale	$246	$172
Miami	$272	$184
Naples	$198	$121
Orlando	$239	$161
Pompano Beach	$241	$175
Tallahassee	$201	$120
Tampa	$272	$187
West Palm Beach	$245	$179

Disclaimer: Table data sourced from real-time Pensacola car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pensacola may vary based on the policy buyer's unique driver profile.

Pensacola car insurance FAQs