Compare Panama City Beach, FL Car Insurance Rates (2021)

Car insurance in Panama City Beach, FL averages $314 a month. Panama City Beach, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Panama City Beach car insurance rates, compare quotes from the top car insurance companies in Panama City Beach, FL.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Panama City Beach is USAA
  • The cheapest car insurance company in Panama City Beach for teen drivers is USAA
  • Average car insurance rates in Panama City Beach, FL after a DUI are $4,506/year

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

You’ll find Panama City Beach car insurance rates, the cheapest Panama City Beach, FL car insurance companies, and information on Florida car insurance laws. You can also compare Panama City Beach, Florida car insurance rates to Hialeah car insurance rates, Port St. Lucie car insurance rates, and Miami car insurance rates.

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

Cheapest Panama City Beach, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Panama City Beach, FL car insurance rates? Every Panama City 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 Panama City 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 $3,676 $3,548 $3,198 $3,271 $12,757 $13,874 $3,778 $3,870
GEICO $2,616 $2,626 $2,450 $2,450 $4,710 $5,930 $2,884 $2,928
Liberty Mutual $3,029 $3,029 $2,780 $2,780 $6,339 $9,731 $3,029 $4,083
Nationwide $2,368 $2,349 $2,115 $2,194 $5,660 $7,017 $2,609 $2,732
Progressive $2,958 $2,799 $2,560 $2,738 $8,310 $9,129 $3,547 $3,461
State Farm $1,741 $1,741 $1,576 $1,576 $5,072 $6,487 $1,929 $2,081
USAA $1,256 $1,238 $1,170 $1,165 $4,190 $4,879 $1,572 $1,701

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Panama City Beach, FL

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

Minimum Required Car Insurance Coverage in Panama City 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 Panama City Beach, FL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Panama City Beach, Florida

Insurance Company Poor Fair Good
Allstate $8,309 $5,321 $4,360
GEICO $4,855 $2,927 $2,191
Liberty Mutual $5,589 $4,114 $3,347
Nationwide $4,217 $3,107 $2,817
Progressive $5,774 $4,104 $3,435
State Farm $3,780 $2,493 $2,052
USAA $3,485 $1,709 $1,246

Cheapest Panama City 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 Panama City Beach, FL to rates for a clean record with top companies.

Annual Panama City Beach, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,177 $6,164 $6,896 $5,750
GEICO $2,309 $2,957 $4,413 $3,619
Liberty Mutual $3,193 $4,089 $5,831 $4,286
Nationwide $2,907 $3,171 $4,229 $3,215
Progressive $3,516 $5,179 $4,352 $4,704
State Farm $2,541 $3,010 $2,775 $2,775
USAA $1,693 $2,076 $3,044 $1,773

Cheapest Panama City Beach, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Panama City Beach, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,757 $13,874
GEICO $4,710 $5,930
Liberty Mutual $6,339 $9,731
Nationwide $5,660 $7,017
Progressive $8,310 $9,129
State Farm $5,072 $6,487
USAA $4,190 $4,879

Cheapest Panama City Beach, FL Car Insurance for Seniors

Take a look at Panama City 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 Panama City Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,198 $3,271
GEICO $2,450 $2,450
Liberty Mutual $2,780 $2,780
Nationwide $2,115 $2,194
Progressive $2,560 $2,738
State Farm $1,576 $1,576
USAA $1,170 $1,165

Cheapest Panama City Beach, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Panama City Beach, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,896
GEICO $4,413
Liberty Mutual $5,831
Nationwide $4,229
Progressive $4,352
State Farm $2,775
USAA $3,044

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Panama City Beach, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Panama City 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 Panama City Beach, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,822 $6,171
GEICO $3,308 $3,341
Liberty Mutual $4,211 $4,489
Nationwide $3,380 $3,380
Progressive $4,438 $4,438
State Farm $2,682 $2,868
USAA $2,122 $2,171

Cheapest Panama City Beach, FL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Panama City Beach, Florida

ZIP Code Average Annual Rates
32407 $2,919
32408 $2,919

The Best Cheap Car Insurance Companies in Panama City Beach, FL

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

Average Annual Car Insurance Rates by Company in Panama City Beach, Florida

Insurance Company Average Annual Rates
Allstate $5,997
GEICO $3,324
Liberty Mutual $4,350
Nationwide $3,380
Progressive $4,438
State Farm $2,775
USAA $2,147

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Panama City Beach, Florida

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

Best Annual Car Insurance Rates by Company in Panama City 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 Panama City Beach, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Panama City Beach, Florida

Insurance Company Low Medium High
Allstate $4,884 $6,248 $6,858
GEICO $2,796 $3,433 $3,744
Liberty Mutual $4,028 $4,411 $4,611
Nationwide $2,747 $3,501 $3,893
Progressive $3,854 $4,525 $4,934
State Farm $2,393 $2,838 $3,095
USAA $1,877 $2,216 $2,346

What affects car insurance rates in Panama City Beach, Florida?

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

Car Theft in Panama City Beach

High levels of vehicle theft can make car insurance more expensive. Panama City Beach, FL car theft statistics from the FBI indicate 4 vehicle thefts a year.

Commute Time in Panama City Beach

The more time you spend in your car the higher the risk of an accident. The average commute length in Panama City Beach, FL is 21.8 minutes according to City-Data.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Panama City Beach, FL

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State