Best Cheap Auto Insurance in Pensacola, Florida (2023)

Car insurance in Pensacola costs an average of $249 per month for liability-only insurance. But the best car insurance might not always be the cheapest rate. For instance, families may desire coverage from an insurer that provides accident forgiveness programs, while retirees living seasonally in Florida may find a pay-per-mile policy the best for their needs. 

Age, driving history, and a vehicle’s features all influence car insurance premiums.^[1] By comparing rates and coverage options from multiple insurers, you can find the policy that suits your needs.

Find Pensacola, Florida Car Insurance

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Best car insurance companies in Pensacola

Finding the best car insurance companies in Pensacola isn’t as simple as it seems. Factors like your coverage needs, as well as your driving habits, will help you determine which auto insurer is the best for you.

Best car insurance overall: Liberty Mutual

Liberty Mutual

Drivers in Pensacola pay an average of $243 per month for liability coverage through Liberty Mutual. While that’s not the cheapest rate in the city, it’s more affordable than other insurers, especially when considering the various discounts and coverage options it offers.

Customizable policies allow you to get exactly the coverage you desire and leave off optional coverage you don’t want; for instance, adding collision and gap coverage without comprehensive and rental car reimbursement.

Liberty Mutual also offers a number of diverse discounts, including for members of the military and homeowners. It has an A rating from A.M. Best and an A+ rating from the BBB, though it earned a 1.1/5 rating from customer reviews.

Best cheap car insurance in Pensacola: Travelers

Travelers

Drivers in Pensacola pay an average of $165 per month for liability coverage through Travelers, making it one of the cheapest car insurance companies, according to Insurify data. With a 4.3 Insurify Quality Score, it’s also one of Insurify’s highest-scoring auto insurers in Pensacola.

Travelers might not be the cheapest in the city, but its value is greater than many cheaper insurers. An A.M. Best rating of A++ means it has exceptional financial support to pay claims.

However, the lower rates might not be a comparable trade if you’re interested in great customer service. Travelers has one of the lowest scores in J.D. Power’s 2022 Auto Insurance Study.^[2] It also has poor customer reviews on BBB and Trustpilot.

Most affordable car insurance in Pensacola: Safeco

Safeco

Drivers in Pensacola pay an average of $120 per month for liability coverage through Safeco, which is the lowest average rate in Pensacola, according to Insurify data. Safeco may be able to offer some of the lowest policy rates in Pensacola thanks to its variety of discounts and claims-free savings incentives.

Liberty Mutual backs Safeco, and it has an A rating with A.M. Best, meaning it’s financially prepared to pay out claims. Unfortunately, its customer service could be better, with customer satisfaction through the BBB rated a 1.5 out of 5 stars.

Best car insurance in Pensacola for retirees: Progressive

Progressive

Drivers in Pensacola pay an average of $293 per month for liability coverage through Progressive, which is one of the highest average premiums in the city. Thankfully, retirees can potentially lower their rates in a few ways.

Snapshot, a telematics program, offers premium decreases for safe driving. Various other discounts, like bundling auto with one or more other insurance products and a continuous insurance discount, may also apply.

Progressive’s 4.1 IQ Score makes it one of the top insurers in Pensacola, though its J.D. Power score in a 2022 overall customer satisfaction survey is the lowest listed.^[2]

Best car insurance in Pensacola for families: Direct Auto

Direct Auto

Drivers in Pensacola pay an average of $219 per month for liability coverage through Direct Auto. If you have multiple drivers of different ages and driving histories in your household, a Direct Auto policy could fit your needs.

Discount options like multi-car, driver education, good student, and safe driver discounts can provide multiple opportunities to save. A lower IQ Score of 3.2 and a BBB customer rating of 1.12 out of 5 suggest that other insurers with higher customer satisfaction ratings may offer the same discounts and coverage at a lower rate.

Best car insurance in Pensacola for high-risk drivers: Dairyland

Dairyland

When it comes to securing an insurance policy, high-risk drivers can find acceptance with Dairyland. It’s an auto insurer that offers affordable car insurance options for a full spectrum of drivers, including those with violations, insurance lapses, and low income, teenagers, and senior drivers.

Drivers in Pensacola pay an average of $295 per month for liability coverage through Dairyland, which is on the higher end of averages compared to competitors. Limited discounts prevent maximum savings, though its acceptance of diverse driving records enables it to serve high-risk drivers without credit histories, with foreign licenses, and more.

Best car insurance in Pensacola for students: Mercury

Mercury

Drivers in Pensacola pay an average of $235 per month for liability coverage through Mercury. Although twice as expensive as the lowest average premium rate in Pensacola, Mercury is still cheaper than some other insurers.

Discounts for being a good student, e-signing policies, driving safe, and auto pay can help students lower this rate. However, the company receives a higher-than-average rate of customer complaints, which may not be an ideal fit for young drivers who are on their own insurance policy for the first time.

Best car insurance in Pensacola for vacationers: Midvale Home & Auto

Midvale Home & Auto

Vacationers, particularly those with condos or short-term rentals in Pensacola, may want to consider a policy through Midvale Home & Auto. Its multi-product and multi-vehicle discounts could increase savings for people who spend significant time in Pensacola and want both their vehicle and possessions insured.

Drivers in Pensacola pay an average of $205 per month for liability coverage through Midvale Home & Auto. Midvale’s optional coverages, like roadside assistance, offer more value for policyholders on vacation, though it has a low IQ Score of 3.2 compared to other insurers, and some customers report problems during the claims process.

Find Pensacola, Florida Car Insurance

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

How to shop for the best car insurance in Pensacola

Car insurance needs in Pensacola will vary based on your coverage needs and budget. For example, 11 hurricanes have either directly or moderately impacted the Florida Panhandle each season since 1990.^[4]

Because of annual storm threats, a year-round resident of Florida may want to consider spending more for comprehensive coverage, while a semi-permanent resident who lives in Florida only during the winter months may find that a liability-only policy is sufficient.

When shopping for Pensacola car insurance, investigate an insurer’s:

• Financial strength

• Customer reviews

• Limitations of coverage

• Available discounts

How to get the cheapest car insurance in Pensacola

Several factors, like your age, driving history, location, and credit score, influence your monthly premiums.^[1] However, you can lower your car insurance rates over time, and sometimes instantly, by reassessing your coverage needs. Get the cheapest car insurance in Pensacola using these tips:^[5]

• Ask your insurer if you qualify for discounts.

• Increase your deductible to potentially pay more later and save now.

• Lower your coverage and eliminate optional coverages you don’t need.

• Compare premium rates from other insurers each year.

Liability-only vs. full-coverage insurance in Pensacola

Florida state law requires the following minimum liability auto insurance coverage for all drivers:^[6]

• $10,000 for property damage liability

• $10,000 for personal injury protection (PIP)

A liability-only policy pays for the damage you cause another person or property during an at-fault accident and is one way to secure the lowest rates available for these minimum coverage requirements. However, you may purchase additional coverages to keep your vehicle protected during an accident or incident.

A full-coverage policy includes comprehensive coverage, which covers weather-related and theft damages, and collision coverage, which covers damages from objects that you hit with your vehicle. Drivers in Pensacola might want to consider a full-coverage policy, or at least a comprehensive coverage policy, due to annual hurricane risks.

“If you have comprehensive coverage, it will pay for the typical damage that can result from a hurricane, such as a tree that falls on your car or flooding,” said Loretta Worters, vice president of media relations for the Insurance Information Institute.

Here’s a look at the cheapest auto insurance in Florida by policy type. Although Direct Auto has the third-cheapest average quote for liability-only insurance, it’s nearly $100 more than Safeco. Travelers’ full-coverage policies are also significantly cheaper than Progressive’s liability-only policies.

Pensacola car insurance rates by driving and accident history

Any traffic violations or accidents on a driver’s history affect car insurance rates both immediately and for years to come. These events demonstrate a driver’s increased risky behavior behind the wheel, which makes it more likely that they may be in an accident.^[7]

In Pensacola, a speeding ticket can increase your rates by 33% and an at-fault accident can increase them by 42%.

It should be no surprise that the data below shows the highest increases (99%) for drivers with DUIs. A small amount of alcohol is enough to impair driving ability, and with dozens of people dying in drunk driving accidents every day, insurers consider policyholders with DUIs to be high-risk.^[8]

All these incidents can affect car insurance rates, but it’s important to acknowledge that one insurer’s average rate for drivers after a speeding ticket may be cheaper than another insurer’s average rate for drivers with a clean record in Pensacola.

Here’s a look at average monthly quotes for the cheapest car insurance in Pensacola based on driving and accident history.

Pensacola car insurance quotes by credit tier

Like the majority of states, Florida allows insurers to consider credit scores when assessing policyholder premiums.^[9] Credit scores are one of the factors viewed when an insurer creates a credit-based insurance score for a policyholder. The assumption is that better credit-based insurance scores correlate with a lower risk of an insurance loss.

Since credit scores are part of the credit-based insurance score, poor or fair credit scores might lead to higher premium rates. Similarly, excellent or good credit scores may lead to lower premium rates for the driver.

Pensacola car insurance rates by driver age

Age is a significant factor in car insurance rates. According to Insurify data, drivers in their teens pay an average of $549 per month, a premium that is nearly $300 more than what their 50-year-old counterparts pay on average.

Unfortunately, rates are higher for younger drivers because they’re more likely to be in an accident. Car crashes are the leading cause of death for teenagers in the United States.^[10] Although years of driving experience can decrease accident risk and lower premiums, aging adults are often charged a higher premium than middle-aged adults as well.

The risk of being in an accident increases as adults age, which may contribute to Insurify data showing that Pensacola drivers in their 70s pay more on average than drivers between 30 and 70.^[11] The following table displays how age can affect car insurance rates in Pensacola.

Is car insurance more expensive in Pensacola?

In Florida, average monthly rates in other cities tend to be higher than in Pensacola. Sarasota might be similar in price to Pensacola because both cities have similar population densities.

Find Car Insurance in Pensacola

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information.

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates. With this information, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across all ages, genders, credit scores, and driver profiles for Pensacola drivers.

Find Pensacola, Florida Car Insurance

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Pensacola car insurance FAQs