Compare Fort Walton Beach, FL Car Insurance Rates (2021)

Car insurance in Fort Walton Beach, FL averages $304 a month. Fort Walton Beach, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Fort Walton Beach car insurance rates, compare quotes from the top car insurance companies in Fort Walton Beach, FL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Fort Walton Beach for teen drivers is USAA
  • Average car insurance rates in Fort Walton Beach, FL are $3,653/year
  • The cheapest ZIP code in Fort Walton Beach is 32547

If you need to buy Fort Walton Beach, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Fort Walton Beach, FL is right here.

You’ll find Fort Walton Beach car insurance rates, the cheapest Fort Walton Beach, FL car insurance companies, and information on Florida car insurance laws. You can also compare Fort Walton Beach, Florida car insurance rates to Jacksonville car insurance rates, Port St. Lucie car insurance rates, and St. Petersburg car insurance rates.

Ready to find affordable Fort Walton Beach, FL car insurance today? Enter your ZIP code for fast, free Fort Walton Beach car insurance quotes.

Cheapest Fort Walton Beach, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Fort Walton Beach, FL car insurance rates? Every Fort Walton Beach, Florida car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fort Walton Beach, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,656 $3,526 $3,184 $3,256 $12,788 $13,919 $3,746 $3,832
GEICO $2,514 $2,526 $2,353 $2,353 $4,542 $5,757 $2,776 $2,830
Liberty Mutual $2,968 $2,968 $2,725 $2,725 $6,197 $9,506 $2,968 $3,993
Nationwide $2,342 $2,326 $2,092 $2,172 $5,550 $6,890 $2,579 $2,704
Progressive $2,833 $2,694 $2,459 $2,625 $7,909 $8,703 $3,412 $3,342
State Farm $1,624 $1,624 $1,472 $1,472 $4,615 $5,910 $1,791 $1,936
USAA $1,169 $1,153 $1,084 $1,083 $3,837 $4,491 $1,464 $1,589

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Minimum Car Insurance in Fort Walton Beach, FL

Every driver must carry the minimum car insurance in Fort Walton Beach, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car Insurance Coverage in Fort Walton Beach, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Fort Walton Beach, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Fort Walton Beach, FL. Compare credit history car insurance rates in Fort Walton Beach from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Fort Walton Beach, Florida

Insurance Company Poor Fair Good
Allstate $8,290 $5,318 $4,358
GEICO $4,677 $2,825 $2,117
Liberty Mutual $5,464 $4,027 $3,278
Nationwide $4,156 $3,063 $2,777
Progressive $5,535 $3,924 $3,282
State Farm $3,449 $2,305 $1,913
USAA $3,217 $1,579 $1,155

Cheapest Fort Walton Beach, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Fort Walton Beach, FL to rates for a clean record with top companies.

Annual Fort Walton Beach, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,162 $6,155 $6,896 $5,740
GEICO $2,233 $2,854 $4,249 $3,488
Liberty Mutual $3,151 $4,009 $5,670 $4,196
Nationwide $2,871 $3,129 $4,156 $3,171
Progressive $3,371 $4,951 $4,167 $4,500
State Farm $2,347 $2,764 $2,556 $2,556
USAA $1,571 $1,918 $2,802 $1,643

Cheapest Fort Walton Beach, FL Car Insurance for Teen Drivers

Teen car insurance in Fort Walton Beach, FL can be expensive. Take a look at rates from the top car insurance companies in Fort Walton Beach for teenagers.

Annual Car Insurance Rates for Teen Drivers in Fort Walton Beach, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,788 $13,919
GEICO $4,542 $5,757
Liberty Mutual $6,197 $9,506
Nationwide $5,550 $6,890
Progressive $7,909 $8,703
State Farm $4,615 $5,910
USAA $3,837 $4,491

Cheapest Fort Walton Beach, FL Car Insurance for Seniors

Take a look at Fort Walton Beach, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Fort Walton Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,184 $3,256
GEICO $2,353 $2,353
Liberty Mutual $2,725 $2,725
Nationwide $2,092 $2,172
Progressive $2,459 $2,625
State Farm $1,472 $1,472
USAA $1,084 $1,083

Cheapest Fort Walton Beach, FL Car Insurance Rates After a DUI

A DUI in Fort Walton Beach, FL increases car insurance rates. Compare Fort Walton Beach, Florida DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Fort Walton Beach, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,896
GEICO $4,249
Liberty Mutual $5,670
Nationwide $4,156
Progressive $4,167
State Farm $2,556
USAA $2,802

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Cheapest Fort Walton Beach, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Fort Walton Beach, FL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Fort Walton Beach, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,815 $6,161
GEICO $3,190 $3,222
Liberty Mutual $4,121 $4,391
Nationwide $3,332 $3,332
Progressive $4,247 $4,247
State Farm $2,473 $2,638
USAA $1,961 $2,006

Cheapest Fort Walton Beach, FL Car Insurance Rates by ZIP Code

Fort Walton Beach car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Fort Walton Beach, FL.

Annual Car Insurance Rates by ZIP Code in Fort Walton Beach, Florida

ZIP Code Average Annual Rates
32547 $2,835
32548 $2,835

The Best Cheap Car Insurance Companies in Fort Walton Beach, FL

Take a look at a side-by-side comparison of the top car insurance companies in Fort Walton Beach, FL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Fort Walton Beach, Florida

Insurance Company Average Annual Rates
Allstate $5,988
GEICO $3,206
Liberty Mutual $4,256
Nationwide $3,332
Progressive $4,247
State Farm $2,556
USAA $1,984

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Category Winners: Cheapest Car Insurance in Fort Walton Beach, Florida

Find the cheapest car insurance companies in Fort Walton Beach, FL for each category right here.

Best Annual Car Insurance Rates by Company in Fort Walton Beach, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Fort Walton Beach, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Fort Walton Beach car insurance rates. Find the cheapest Fort Walton Beach, FL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Fort Walton Beach, Florida

Insurance Company Low Medium High
Allstate $4,875 $6,240 $6,850
GEICO $2,726 $3,307 $3,586
Liberty Mutual $3,941 $4,315 $4,512
Nationwide $2,709 $3,451 $3,836
Progressive $3,709 $4,328 $4,705
State Farm $2,202 $2,610 $2,856
USAA $1,754 $2,043 $2,154

What affects car insurance rates in Fort Walton Beach, Florida?

What factors can have an impact on Fort Walton Beach, FL car insurance? There are several reasons why Fort Walton Beach car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Fort Walton Beach, Florida.

Car Theft in Fort Walton Beach

High levels of vehicle theft can make car insurance more expensive. Fort Walton Beach, FL car theft statistics from the FBI indicate 58 vehicle thefts a year.

Commute Time in Fort Walton Beach

The more time you spend in your car the higher the risk of an accident. The average commute length in Fort Walton Beach, FL is 20.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Fort Walton Beach, FL

Ready to find affordable Fort Walton Beach, Florida car insurance today? Enter your ZIP code for fast, free Fort Walton Beach, FL car insurance quotes.

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Average Monthly Car Insurance Rates by State