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
  • 10+ years writing insurance and personal finance topics

  • 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
  • 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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Updated July 25, 2024

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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 $234 per month.

Drivers in Pensacola pay an overall average of $208 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 $160 per month, and full coverage costs $256 per month.

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

  • Pensacola drivers pay a yearly average of $3,068 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm9.3$83$71Affordable full coverage
GEICO9.0$86$73Military members
Hugo7.0N/A$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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for affordable full coverage: State Farm

Compare personalized, real-time quotes
User Reviews
3.2
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.
$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.
$74/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 more driver reviews of State Farm
Robert - July 25, 2024
Verified

Upsetting

The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.

Matthew - July 25, 2024
Verified

Abandoned by State Farm

It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.

Janet - July 25, 2024
Verified

Too High

I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.

Best insurer for military members: GEICO

Compare personalized, real-time quotes
User Reviews
3.1
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.
$65/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

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 more driver reviews of GEICO
Judy - July 25, 2024
Verified

The employees are not adequately trained for their job. That's why I recently stopped using their services. I regret having to say this.

The employees are not adequately trained for their job. That's why I recently stopped using their services. I regret having to say this.

Judy - July 25, 2024
Verified

Poor Mobile App

The mobile app was disappointing. After multiple attempts, we decided to cancel.

Matthew - July 25, 2024
Verified

Geico is Expensive but Offers Great Service

It's expensive, but the service is awesome.

Best insurer for low-mileage drivers: Hugo

Compare personalized, real-time quotes
User Reviews
4.0
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.
$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.
$228/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 more driver reviews of Hugo
Camero - July 22, 2024
Verified

Poor Customer Support and Too Expensive

It's too expensive and I never get a response from them until days later. It's hard to modify your policy. They don’t cover all cars and when you try to talk with someone, they never answer. Very poor insurance company.

Kimberly - July 14, 2024
Verified

I disliked the fact that there's no app. I'm uncertain about its legitimacy. I was also disappointed that my coverage was not reported to my state as requested. I'm not fond of the idea that the price might change if it's turned off for a day.

I disliked the fact that there's no app. I'm uncertain about its legitimacy. I was also disappointed that my coverage was not reported to my state as requested. I'm not fond of the idea that the price might change if it's turned off for a day.

Jennifer - July 13, 2024
Verified

Rate Increase If You Turn Off and On

I can't say much except that I don't like the rate hike because I didn't use it.

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 $160 per month. These insurers offer affordable liability coverage in the city.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$63
GEICO$65
Hugo$68
Mile Auto$109
Allstate$110
Safeco$124
Travelers$131
Mercury$132
Liberty Mutual$136
Direct Auto$140
Midvale Home & Auto$160
Progressive$164
Infinity$169
Foremost$187
Dairyland$195
GAINSCO$196
AssuranceAmerica$218
Bristol West$233
National General$264
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 $256 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$74
GEICO$76
Allstate$129
Safeco$149
Mile Auto$152
Travelers$153
Mercury$158
GAINSCO$218
Hugo$228
Liberty Mutual$230
Progressive$231
Infinity$235
Midvale Home & Auto$240
Direct Auto$253
National General$275
Foremost$283
Dairyland$342
AssuranceAmerica$346
Bristol West$346
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.

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 $307 per month for full coverage and $192 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$63$74
GEICO$65$77
Hugo$68$85
Mile Auto$109$137
Allstate$110$130
Safeco$124$149
Travelers$131$157
Mercury$132$169
Liberty Mutual$136$178
Direct Auto$140$166
Midvale Home & Auto$160$197
Progressive$164$195
Infinity$169$210
Foremost$187$245
Dairyland$195$232
GAINSCO$196$257
AssuranceAmerica$218$263
Bristol West$233$275
National General$264$312
The General$280$336
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 $210 for liability insurance. Check out insurance companies offering relatively affordable coverage in the table below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm$63$80
GEICO$65$83
Hugo$68$84
Mile Auto$109$150
Allstate$110$141
Safeco$124$154
Travelers$131$169
Mercury$132$180
Liberty Mutual$136$190
Direct Auto$140$183
Midvale Home & Auto$160$217
Progressive$164$213
Infinity$169$213
Foremost$187$262
Dairyland$195$249
GAINSCO$196$241
AssuranceAmerica$218$279
Bristol West$233$294
National General$264$341
The General$280$365
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: Hugo

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 $242 per month. Full-coverage rates jump to $387 per month.

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

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm$63$101
GEICO$65$104
Hugo$68$96
Mile Auto$109$155
Allstate$110$176
Safeco$124$198
Travelers$131$209
Mercury$132$189
Liberty Mutual$136$217
Direct Auto$140$224
Midvale Home & Auto$160$256
Progressive$164$262
Infinity$169$270
Foremost$187$299
Dairyland$195$312
GAINSCO$196$313
AssuranceAmerica$218$349
Bristol West$233$373
National General$264$422
The General$280$448
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 $170 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm$57$49
GEICO$60$52
Allstate$103$88
Mile Auto$114$82
Travelers$119$102
Mercury$120$100
Safeco$121$101
Hugo$162$48
Progressive$165$117
Infinity$176$127
GAINSCO$179$161
Midvale Home & Auto$183$122
Liberty Mutual$184$109
Direct Auto$195$108
National General$214$205
Foremost$220$146
AssuranceAmerica$261$164
Dairyland$272$155
Bristol West$276$186
The General$329$227
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 $250 for liability coverage and $400 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
GEICO$111$95
State Farm$117$100
Allstate$212$181
Travelers$258$221
Mercury$269$225
Mile Auto$278$199
Safeco$292$243
GAINSCO$362$325
Hugo$371$111
Midvale Home & Auto$387$258
Progressive$390$277
Liberty Mutual$396$234
Infinity$404$291
Direct Auto$432$239
Foremost$470$311
National General$499$479
Dairyland$531$303
Bristol West$549$370
AssuranceAmerica$603$380
The General$608$420
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 $208 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 $234 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$325$249
Miami$373$258
Naples$230$170
Orlando$289$202
Pompano Beach$309$238
Tallahassee$240$152
Tampa$362$293
West Palm Beach$332$283
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 $160 per month for liability coverage and $256 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 $65 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 8.5 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 $196 per month for liability-only coverage and $272 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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