Compare Panama City Beach, FL Car Insurance Rates [2023]
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.
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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
UPDATED: Dec 19, 2022
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.
UPDATED: Dec 19, 2022
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.
On This Page
- 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.
| 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 |
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Minimum Car Insurance in Panama City Beach, FL
Every driver must carry the minimum car insurance required by the state in Panama City Beach, FL. Take a look at the Florida car insurance requirements.
| 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. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Panama City Beach from top companies for good, fair, and poor credit.
| 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. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Panama City Beach, FL to rates for a clean record with top companies.
| 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.
| 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 rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| 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 car insurance after a DUI by the company to find the cheapest option.
| 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 |
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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.
| 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.
| 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.
| 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 |
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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.
| 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 car insurance you need 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.
| 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 are the factors that affect car insurance rates in Panama City Beach, FL? 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.
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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
Joel Ohman
Founder & CFP®
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...
Founder & CFP®
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.