Compare Pensacola, FL Car Insurance Rates (2021)

Car insurance in Pensacola, FL averages $344 a month. Pensacola, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Pensacola car insurance rates, compare quotes from the top car insurance companies in Pensacola, 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

  • Average car insurance rates in Pensacola, FL are $4,132/year
  • The cheapest ZIP code in Pensacola is 32502
  • The cheapest car insurance company in Pensacola for teen drivers is USAA

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

You’ll find Pensacola car insurance rates, the cheapest Pensacola, FL car insurance companies, and information on Florida car insurance laws. You can also compare Pensacola, Florida car insurance rates to Tallahassee car insurance rates, Miami car insurance rates, and Orlando car insurance rates.

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

Cheapest Pensacola, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Pensacola, FL car insurance rates? Every Pensacola, 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 Pensacola, 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 $3,946 $3,738 $3,402 $3,441 $13,205 $14,148 $3,934 $3,979
GEICO $2,847 $2,860 $2,663 $2,663 $5,131 $6,475 $3,142 $3,195
Liberty Mutual $3,329 $3,329 $3,049 $3,049 $7,043 $10,853 $3,329 $4,514
Nationwide $2,649 $2,624 $2,362 $2,450 $6,381 $7,900 $2,921 $3,053
Progressive $3,195 $3,027 $2,763 $2,953 $9,075 $9,967 $3,856 $3,746
State Farm $1,999 $1,999 $1,808 $1,808 $5,835 $7,466 $2,215 $2,390
USAA $1,441 $1,421 $1,337 $1,333 $4,787 $5,588 $1,806 $1,958

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 Pensacola, FL

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

Minimum Required Car Insurance Coverage in Pensacola, 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 Pensacola, FL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Pensacola, Florida

Insurance Company Poor Fair Good
Allstate $8,687 $5,509 $4,476
GEICO $5,290 $3,189 $2,387
Liberty Mutual $6,202 $4,548 $3,685
Nationwide $4,744 $3,482 $3,151
Progressive $6,266 $4,465 $3,737
State Farm $4,347 $2,865 $2,358
USAA $4,019 $1,947 $1,411

Cheapest Pensacola, 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 Pensacola, FL to rates for a clean record with top companies.

Annual Pensacola, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,384 $6,433 $7,118 $5,962
GEICO $2,516 $3,222 $4,807 $3,943
Liberty Mutual $3,486 $4,511 $6,511 $4,739
Nationwide $3,250 $3,555 $4,762 $3,602
Progressive $3,812 $5,633 $4,734 $5,112
State Farm $2,920 $3,460 $3,190 $3,190
USAA $1,943 $2,378 $3,481 $2,033

Cheapest Pensacola, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Pensacola, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,205 $14,148
GEICO $5,131 $6,475
Liberty Mutual $7,043 $10,853
Nationwide $6,381 $7,900
Progressive $9,075 $9,967
State Farm $5,835 $7,466
USAA $4,787 $5,588

Cheapest Pensacola, FL Car Insurance for Seniors

Take a look at Pensacola, 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 Pensacola, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,402 $3,441
GEICO $2,663 $2,663
Liberty Mutual $3,049 $3,049
Nationwide $2,362 $2,450
Progressive $2,763 $2,953
State Farm $1,808 $1,808
USAA $1,337 $1,333

Cheapest Pensacola, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Pensacola, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,118
GEICO $4,807
Liberty Mutual $6,511
Nationwide $4,762
Progressive $4,734
State Farm $3,190
USAA $3,481

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Pensacola, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Pensacola, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,046 $6,402
GEICO $3,604 $3,640
Liberty Mutual $4,656 $4,968
Nationwide $3,792 $3,792
Progressive $4,823 $4,823
State Farm $3,083 $3,297
USAA $2,431 $2,487

Cheapest Pensacola, FL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Pensacola, Florida

ZIP Code Average Annual Rates
32502 $3,184
32503 $3,184
32504 $3,184
32505 $3,184
32506 $3,184
32507 $3,184
32508 $3,184
32514 $3,213
32526 $3,184

The Best Cheap Car Insurance Companies in Pensacola, FL

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

Average Annual Car Insurance Rates by Company in Pensacola, Florida

Insurance Company Average Annual Rates
Allstate $6,224
GEICO $3,622
Liberty Mutual $4,812
Nationwide $3,792
Progressive $4,823
State Farm $3,190
USAA $2,459

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 Pensacola, Florida

Find the cheapest car insurance companies in Pensacola, FL for each category right here.

Best Annual Car Insurance Rates by Company in Pensacola, 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 Pensacola, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Pensacola, Florida

Insurance Company Low Medium High
Allstate $5,111 $6,476 $7,085
GEICO $3,044 $3,740 $4,081
Liberty Mutual $4,434 $4,886 $5,115
Nationwide $3,092 $3,925 $4,360
Progressive $4,113 $4,927 $5,429
State Farm $2,744 $3,262 $3,564
USAA $2,171 $2,533 $2,673

What affects car insurance rates in Pensacola, Florida?

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

Car Theft in Pensacola

High levels of vehicle theft can make car insurance more expensive. Pensacola, FL car theft statistics from the FBI indicate 105 vehicle thefts a year.

Commute Time in Pensacola

The more time you spend in your car the higher the risk of an accident. The average commute length in Pensacola, FL is 19.5 minutes according to City-Data.

Traffic in Pensacola

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Pensacola, FL traffic data from INRIX ranks Pensacola as the 780th-most congested in the world.

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 Pensacola, FL

Ready to find affordable Pensacola, Florida car insurance today? Enter your ZIP code for fast, free Pensacola, 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