Cheapest Auto Insurance in Pensacola, Florida (2024)

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 $256 per month.

Drivers in Pensacola pay an overall average of $215 per month for car insurance. While this is less than what many Florida drivers pay, it’s still higher than the national average of $159 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.

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.

Best insurer for affordable full coverage: State Farm

Best insurer for military members: GEICO

Best insurer for low-mileage drivers: Hugo

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 $58 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 $172 per month. These insurers offer affordable liability coverage in the city.

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 $259 per month for full-coverage policies, on average. Explore affordable full-coverage options in the table below.

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]

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.

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Monthly rates start at $66 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 $204 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.

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 $221 for liability insurance. Check out insurance companies offering relatively affordable coverage in the table below.

Cheapest car insurance for drivers with a DUI: State Farm

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 $255 per month. Full-coverage rates jump to $384 per month.

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

Cheapest car insurance for seniors: State Farm

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 $180 per month for car insurance. Here are some insurers offering cheap auto coverage for senior drivers.

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 $263 for liability coverage and $397 for full coverage. Here are some options if you’re a young driver seeking a relatively affordable car insurance policy.

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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 $159 per month, car insurance in Pensacola is relatively expensive. Pensacola drivers pay an overall average of $215 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 $256 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.

Pensacola car insurance FAQs