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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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
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: Nov 27, 2023
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.
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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.
Frequently Asked Questions
How can I compare car insurance rates in Panama City Beach, FL?
To compare car insurance rates in Panama City Beach, FL, you can follow these steps:
- Gather necessary information: Collect details about your vehicle, including the make, model, year, and any safety features it may have.
- Research insurance providers: Look for reputable insurance companies that offer coverage in Panama City Beach, FL.
- Obtain quotes: Contact insurance providers directly or use online insurance comparison websites to request quotes for your specific vehicle and coverage needs.
- Compare coverage options: Review the coverage limits, deductibles, and any additional features or benefits offered by each insurance company.
- Consider your needs and budget: Determine which insurance policy offers the best coverage and fits within your budget.
- Purchase your chosen policy: Once you have made a decision, contact the insurance company to purchase the policy.
What factors affect car insurance rates in Panama City Beach, FL?
Several factors can influence car insurance rates in Panama City Beach, FL, including:
- Age and driving experience of the primary driver
- Location where the vehicle will be primarily driven and parked in Panama City Beach, FL
- The make, model, and year of the vehicle
- Safety features and anti-theft devices installed in the car
- Annual mileage and usage of the vehicle
- Driving record and claims history of the primary driver
- Credit history (in some cases)
- Coverage options and deductibles selected
Are car insurance rates higher in Panama City Beach, FL compared to other areas?
Car insurance rates can vary based on location, and rates in Panama City Beach, FL may be influenced by factors specific to the area. Factors such as population density, traffic patterns, local crime rates, and the frequency of accidents in Panama City Beach, FL can impact insurance rates. It’s recommended to obtain quotes from insurance providers to get an accurate idea of car insurance rates in the area.
Can I get discounts on car insurance in Panama City Beach, FL?
Yes, it is possible to obtain discounts on car insurance in Panama City Beach, FL. Insurance companies often offer various discounts to policyholders. Some common discounts that might be available include:
- Multi-policy discount: If you have multiple insurance policies with the same provider, such as auto and home insurance.
- Safe driver discount: If you have a clean driving record without any accidents or violations.
- Anti-theft device discount: If your vehicle is equipped with anti-theft devices or features.
- Safety feature discount: If your car has safety features like airbags, anti-lock brakes, or electronic stability control.
- Good student discount: If you or a household member who drives the car is a full-time student with good grades. It’s recommended to inquire about available discounts when obtaining insurance quotes in Panama City Beach, FL.
Are there any specific insurance considerations for Panama City Beach, FL residents?
While insurance considerations can vary based on individual circumstances, there are a few points to keep in mind for Panama City Beach, FL residents when it comes to car insurance:
- Florida minimum coverage requirements: Make sure you meet the minimum liability coverage requirements set by the state of Florida.
- Additional coverage options: Consider additional coverage options such as comprehensive, collision, and uninsured/underinsured motorist coverage to provide extra protection.
- Natural disaster risks: Panama City Beach, FL is susceptible to hurricanes and other severe weather events. Ensure your policy covers damage caused by these events. Consult with insurance providers to understand the specific coverage requirements and options available to Panama City Beach, FL residents.
How do car insurance rates in Panama City Beach, FL compare to the national average?
Car insurance rates in Panama City Beach, FL can vary from the national average. Factors such as local demographics, traffic patterns, and the frequency of accidents in the area can influence insurance rates. It’s recommended to obtain quotes from insurance providers to compare the rates specific to Panama City Beach, FL and determine how they compare to the national average.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
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.