6+ years writing about insurance, travel, and personal finances
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In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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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 a policy that suits your needs.
Quick Facts
Florida only requires $10,000 in personal injury protection and $10,000 in property damage liability.
Full-coverage car insurance in Pensacola costs an average of $336 a month.
Safeco has the cheapest average liability-only premiums, at $120 a month.
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.
Find Car Insurance in Pensacola, Florida
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Based on 3,806+ reviews
4.8/5
Insurance Company
Best For
Average Monthly Quote: Liability Only
Insurify Quality 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.
Liberty Mutual
Overall
$243
3.8
Travelers
Best value
$165
4.3
Safeco
Most affordable
$120
3.8
Progressive
Retirees
$293
4.1
Direct Auto
Families
$219
3.2
Dairyland
High-risk drivers
$295
3.3
Mercury
Students
$235
3.6
Midvale Home & Auto
Vacationers
$205
3.2
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.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
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. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
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.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$136/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.
$198/mo
In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.
Pros
Wide range of available discounts
Accident forgiveness available
Cons
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
Service has always been great
Jackie - January 30, 2023
Verified
I can’t figure how much I am paying.
Rickie - January 29, 2023
Verified
I got uninsured motorist added to meet the minimum state liability for less than what I was paying before, but now my rates have gone up even though I have an impeccable driving record and travel way under 10K miles annually.
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 Better Business Bureau (BBB), though it earned a 1.1/5 rating from customer reviews.
Pros
Strong ratings with BBB and A.M. Best
Extensive coverage and discount options
Cons
Many other insurers offer cheaper rates in Pensacola
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.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$120/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.
$138/mo
Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.
Pros
Accident forgiveness available
Robust coverage selections and discount offerings
Cons
Rideshare coverage only available in Colorado and Illinois
High number of negative customer reviews with the Better Business Bureau
They have the lowest rates I could find.
Elise - September 11, 2023
Verified
They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.
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.
Pros
A++ (Superior) A.M. Best rating
More than 150 years of industry experience
Cons
Only 12 advertised discounts, fewer than some competitors
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.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
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.
$117/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.
$160/mo
Owned by Liberty Mutual, Safeco offers car, homeowners, renters, pet, and other insurance products. The company has been in busines since 1923, and provides new vehicle replacement coverage, rental car reimbursement, liability, and full-coverage policies. Safeco’s money-saving programs include accident forgiveness, a diminishing deductible, and a cash back program for customers who remain claims-free for six months. The company has an average amount of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and placed 13th on the J.D. Powers’ Overall Customer Satisfaction Index. A.M. Best gives Safeco a score of A for financial stability.
Pros
Pays cash back to customers who remain claims-free
Many options for customizing car insurance
Cons
Limited number of discounts
Customer reviews indicate room for improvement in customer service
Good company but still kind of expensive
Pennie - February 8, 2023
Verified
No issues with them, but I do wish it was less expensive.
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 1.5 out of 5 stars.
Pros
Offers multiple discounts
Solid A.M. Best rating
Cons
Filing claims undoes savings incentives
Low customer service ratings
Best car insurance in Pensacola for retirees: Progressive
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
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$155/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.
$213/mo
Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Rewards for good drivers
Numerous coverage options and discounts available
Cons
Higher-than-expected amount of complaints
Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking
Very good service but too expensive
Dewey - February 2, 2023
Verified
I called with questions; the answers were complete and to the point.
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]
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.
3.2
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
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.
$135/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.
$183/mo
For a little more than 20 years, Direct Auto has specialized in providing insurance for non-standard drivers who may struggle to find affordable coverage elsewhere, and to drivers who need SR-22 certification. Today, the company sells car, motorcycle, and term life insurance, car insurance in Mexico, roadside assistance, and vehicle protection plans. Direct operates in just 16 states. The company has an A+ rating from A.M. Best for financial and credit strength, but nearly 35 times the number of expected complaints in the National Association of Insurance Commissioners Customer Complaint Index.
Pros
Customers can bundle car insurance with other auto-related products
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.
Pros
Offers discounts available for students and parents
Its owner, National General, has an A+ A.M. Best rating
Cons
Coverages and discounts may not be available in Florida
Many BBB customer complaints
Best car insurance in Pensacola for high-risk drivers: Dairyland
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.
3.3
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+
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.
$176/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.
$313/mo
Dairyland began as a regional company in Wisconsin in 1953, selling car insurance to drivers who couldn’t get standard coverage. Acquired by Sentry in 1966, Dairyland now sells auto, motorcycle, and off-road insurance nationwide, and still caters to non-standard drivers. The company also sells renters, RV, and life insurance, and car insurance in Mexico. Although Dairyland has many positive customer comments on review websites, it has a slightly higher-than-average number of complaints in the National Association of Insurance Commissioners Customer Complaint Index. A.M. Best, however, gives the company an A+ rating for financial stability and credit.
Pros
Many positive customer reviews
Provides coverage to drivers who may not be able to get it elsewhere
When it comes to securing an insurance policy, high-risk drivers can find acceptance with Dairyland. The auto insurer 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.
Pros
Offers SR-22 filings
Caters to high-risk drivers, like teens and seniors
Cons
Only advertises seven discounts
High average rates compared to other insurers
Best car insurance in Pensacola for students: Mercury
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.
3.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
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.
$133/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.
$150/mo
Mercury is a 62-year-old insurance company that sells auto, home, condo, renters, and business insurance. In addition to standard car insurance coverage types, Mercury also offers rental car reimbursement, roadside assistance, rideshare insurance, and more. Mercury customers can save with multiple discounts, and the opportunity to bundle their auto insurance with home or renters coverage. The compay has an A rating from A.M. Best for financial stability. Mercury has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index. However, J.D. Power ranked the company fourth incustomer satisfaction in California.
Pros
Numerous coverage options, discounts, and bundling opportunities
Competitive auto insurance prices
Cons
Only available in 11 states (including California)
Only available in 11 states (including California)
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 safely, and making automatic payments 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.
Pros
Offers good student discounts
Solid IQ Score and mid-range average rate
Cons
Higher-than-average number of customer complaints via NAIC
Fewer discounts available compared to other insurers
Best car insurance in Pensacola for vacationers: Midvale Home & Auto
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.
3.2
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
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.
$151/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.
$210/mo
Owned by American Family Insurance, Midvale offers auto and home insurance. In addition to liability, collision and comprehensive coverages, Midvale also offers gap insurance, rental car reimbursement, and roadside assistance. Discounts are pretty standard for the industry, including good student, multi-vehicle, multi-product, and pay-in-full discounts. Midvale as an excellent (A) rating from A.M. Best for financial stability. Customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index are only slightly higher than expected for the industry.
Pros
Backed by the financial strength of American Family
Optional gap insurance and roadside assistance available
Cons
Can’t get a quote online – must call an agent
Poor customer reviews with Better Business Bureau
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.
Pros
Offers bundling discounts for renters
Provides optional coverages ideal for out-of-town visitors
Cons
Lower IQ Score compared to other insurers
Poor BBB customer reviews
Find Car Insurance in Pensacola, Florida
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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:
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
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.
Insurance Company
Average Monthly Quote: Liability Only
Average Monthly Quote: Full Coverage
Safeco
$120
$207
Travelers
$165
$211
Direct Auto
$219
$253
Mercury
$235
$270
Midvale Home & Auto
$205
$289
AssuranceAmerica
$231
$302
Liberty Mutual
$243
$327
Infinity
$334
$444
Bristol West
$282
$452
Dairyland
$295
$482
Progressive
$293
$488
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 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]
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.
Insurance Company
Clean Record
At-Fault Accident
DUI
Speeding Ticket
Safeco
$207
$296
$412
$277
Travelers
$211
$302
$420
$283
Direct Auto
$253
$361
$503
$338
Mercury
$270
$386
$537
$362
Midvale Home & Auto
$289
$413
$575
$387
AssuranceAmerica
$302
$433
$602
$405
Liberty Mutual
$327
$468
$651
$439
Infinity
$444
$635
$884
$595
Bristol West
$452
$647
$900
$606
Dairyland
$482
$690
$960
$646
Progressive
$488
$698
$971
$654
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 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.
Age is a significant factor affecting car insurance rates. 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, according to Insurify data.
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.
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?
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.
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.
Comparing multiple quotes from different insurers, both national and local, can help you find the cheapest car insurance rates in Pensacola for your coverage and budget needs. Be sure to shop major insurers, like GEICO, just as often as local independent companies, like Key Insurance.
What are the best car insurance companies in Pensacola?
Travelers is one of the best car insurance companies in Pensacola — it has a 4.3 Insurify Quality Score and an A++ rating from A.M. Best. Its average rate is $165 per month for liability-only insurance.
Safeco has an A+ rating from the BBB and the lowest average monthly rate, at $120. Liberty Mutual’s rating is close to the average, according to a J.D. Power customer satisfaction survey in Florida, which is higher than competitors like Travelers and Progressive. It also has a decent IQ Score of 3.8 and an average rate of $219 per month.
Is car insurance expensive in Pensacola?
Compared to other cities in Florida, Pensacola is one of the cheapest for car insurance. Compared to cities across the U.S., cities like Wichita, Kansas, and Reading, Pennsylvania, tend to have lower rates. Remember that your unique quote is based on individual factors; you may pay more or less than the average rate for Pensacola drivers.
Would insurance pay for a beached car in Pensacola?
Maybe. It depends on what caused your car to get beached and what your insurance covers. Policies with towing included may include aiding your car when it’s stuck on soft ground. If your car sinks due to storm or flooding damage, your comprehensive policy may cover the damages. Ask your insurer if and when your policy covers a beached car.
Is Pensacola within a no-fault state?
Florida is a no-fault state. This means that drivers involved in an accident file claims with their respective insurance companies for bodily injury claims. However, property damage liability covers any damage you cause to someone’s property.
What is the ideal car insurance in Florida?
No single insurance coverage is ideal for all drivers; rather, the best car insurance policy is the one that provides the coverage you need for the price you can afford. For instance, people who live in Pensacola seasonally might have a comprehensive coverage policy in their home state and reduce it to liability-only coverage when staying in Florida.
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.
Centers for Disease Control and Prevention. "Older Adult Drivers." Accessed May 22, 2023
Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Liberty Mutual
Travelers
Safeco
Progressive
Direct Auto
Dairyland
Mercury
Midvale Home & Auto
