Compare Santa Rosa Beach, FL Car Insurance Rates (2021)

Car insurance in Santa Rosa Beach, FL averages $306 a month. Santa Rosa Beach, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Santa Rosa Beach car insurance rates, compare quotes from the top car insurance companies in Santa Rosa Beach, FL.

Free Car Insurance Comparison

secured lock Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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® Joel Ohman

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 Santa Rosa Beach, FL are $3,675/year
  • Average car insurance rates in Santa Rosa Beach, FL after a DUI are $4,411/year
  • The cheapest car insurance company in Santa Rosa Beach is USAA

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

You’ll find Santa Rosa Beach car insurance rates, the cheapest Santa Rosa Beach, FL car insurance companies, and information on Florida car insurance laws. You can also compare Santa Rosa Beach, Florida car insurance rates to Miami car insurance rates, St. Petersburg car insurance rates, and Tallahassee car insurance rates.

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

Cheapest Santa Rosa Beach, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Santa Rosa Beach, FL car insurance rates? Every Santa Rosa 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 Santa Rosa 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 $2,286 $2,299 $2,138 $2,138 $4,090 $5,166 $2,523 $2,571
Liberty Mutual $3,180 $3,180 $2,916 $2,916 $6,699 $10,304 $3,180 $4,300
Nationwide $2,269 $2,254 $2,028 $2,105 $5,349 $6,638 $2,497 $2,618
Progressive $2,686 $2,552 $2,327 $2,487 $7,289 $8,005 $3,216 $3,140
State Farm $1,624 $1,624 $1,472 $1,472 $4,615 $5,910 $1,791 $1,936
USAA $1,475 $1,457 $1,357 $1,360 $4,848 $5,699 $1,851 $2,013

Free Car Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

Minimum Car Insurance in Santa Rosa Beach, FL

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

Minimum Required Car Insurance Coverage in Santa Rosa 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 Santa Rosa Beach, FL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Santa Rosa Beach, Florida

Insurance Company Poor Fair Good
Allstate $8,309 $5,321 $4,360
GEICO $4,214 $2,561 $1,930
Liberty Mutual $5,900 $4,335 $3,519
Nationwide $4,015 $2,960 $2,684
Progressive $5,194 $3,652 $3,042
State Farm $3,449 $2,305 $1,913
USAA $4,114 $1,978 $1,431

Cheapest Santa Rosa 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 Santa Rosa Beach, FL to rates for a clean record with top companies.

Annual Santa Rosa 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 $2,031 $2,587 $3,835 $3,154
Liberty Mutual $3,357 $4,308 $6,157 $4,517
Nationwide $2,778 $3,025 $4,011 $3,065
Progressive $3,154 $4,611 $3,889 $4,197
State Farm $2,347 $2,764 $2,556 $2,556
USAA $1,990 $2,425 $3,535 $2,079

Cheapest Santa Rosa Beach, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Santa Rosa Beach, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,757 $13,874
GEICO $4,090 $5,166
Liberty Mutual $6,699 $10,304
Nationwide $5,349 $6,638
Progressive $7,289 $8,005
State Farm $4,615 $5,910
USAA $4,848 $5,699

Cheapest Santa Rosa Beach, FL Car Insurance for Seniors

Take a look at Santa Rosa 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 Santa Rosa Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,198 $3,271
GEICO $2,138 $2,138
Liberty Mutual $2,916 $2,916
Nationwide $2,028 $2,105
Progressive $2,327 $2,487
State Farm $1,472 $1,472
USAA $1,357 $1,360

Cheapest Santa Rosa Beach, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Santa Rosa Beach, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,896
GEICO $3,835
Liberty Mutual $6,157
Nationwide $4,011
Progressive $3,889
State Farm $2,556
USAA $3,535

Free Car Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

Cheapest Santa Rosa Beach, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Santa Rosa 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 Santa Rosa Beach, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,822 $6,171
GEICO $2,887 $2,916
Liberty Mutual $4,437 $4,732
Nationwide $3,220 $3,220
Progressive $3,963 $3,963
State Farm $2,473 $2,638
USAA $2,479 $2,536

The Best Cheap Car Insurance Companies in Santa Rosa Beach, FL

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

Average Annual Car Insurance Rates by Company in Santa Rosa Beach, Florida

Insurance Company Average Annual Rates
Allstate $5,997
GEICO $2,902
Liberty Mutual $4,584
Nationwide $3,220
Progressive $3,963
State Farm $2,556
USAA $2,507

Category Winners: Cheapest Car Insurance in Santa Rosa Beach, Florida

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

Best Annual Car Insurance Rates by Company in Santa Rosa Beach, Florida

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

Free Car Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

Cheapest Santa Rosa Beach, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Santa Rosa Beach, Florida

Insurance Company Low Medium High
Allstate $4,884 $6,248 $6,858
GEICO $2,482 $2,984 $3,238
Liberty Mutual $4,233 $4,653 $4,867
Nationwide $2,603 $3,337 $3,719
Progressive $3,505 $4,031 $4,353
State Farm $2,202 $2,610 $2,856
USAA $2,218 $2,581 $2,722

Compare Car Insurance Quotes in Santa Rosa Beach, FL

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

Free Car Insurance Comparison

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

secured lock Secured with SHA-256 Encryption