Cheapest Auto Insurance in Pensacola, Florida (2024)
State Farm has the cheapest car insurance in Pensacola, with monthly liability rates starting at $63.
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Written byJess Ullrich
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Updated October 30, 2024
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Table of contents
If you’re searching for new car insurance in Pensacola, your auto insurance costs will probably be lower than the state’s overall average of $211 per month.
Drivers in Pensacola pay an overall average of $208 per month for car insurance. While this is less than what many Florida drivers pay, it’s still higher than the national average of $158 per month. Pensacola’s rates could be lower than other cities in Florida in part because of its smaller population size. The risk of accidents decreases with fewer people on the road.
Here’s what you should know if you’re comparing car insurance companies in Pensacola.
Quick Facts
Liability insurance in Pensacola costs an average of $160 per month, and full coverage costs $256 per month.
State Farm, GEICO, and Hugo have the cheapest car insurance in Pensacola.
Pensacola drivers pay a yearly average of $3,068 for full-coverage car insurance.
3 of the cheapest car insurance companies in Pensacola
The cost of your auto insurance coverage in Pensacola will depend on several factors, including your driving record, age, gender, credit, and more. But in general, State Farm, GEICO, and Hugo offer affordable policies.
Here’s how these three insurers compare.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $83 | $66 | Affordable full coverage |
| GEICO | 9.0 | $85 | $68 | Military members |
| Hugo | 7.0 | N/A | $337 | Low-mileage drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for affordable full coverage: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $63/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $74/mo |
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Pensacola drivers seeking inexpensive auto insurance might find what they’re looking for with State Farm. This insurance company offers some of the lowest-cost full-coverage and liability-only policies in Pensacola.
It’s worth getting a quote from State Farm if you’re shopping for a new policy. This insurer offers several discounts that can help reduce your insurance premiums — including discounts for having multiple cars, bundling policies, being a safe driver, and having a vehicle with safety features.
Pros
Top J.D. Power customer satisfaction rating in Florida
Several available discounts
Cons
No dedicated military discount
Must speak with an agent to get a policy
Best insurer for military members: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $65/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $76/mo |
4.0
Best choiceBased on 10113 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,563)
Herman
October 29, 2024
Verified Review
Excellent
For us, it came down to cost and having all of our insurance with the same company, not farmed out.
Greg
October 29, 2024
Verified Review
It's Expensive
It's expensive.
Robert
October 29, 2024
Verified Review
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Pensacola is home to Pensacola Naval Air Station, which employs more than 16,000 service members. If you’re affiliated with the U.S. military, GEICO could be a good choice for car insurance. The company offers an emergency deployment discount of up to 25% and a dedicated military discount of up to 15% off your insurance rates.
Besides its military discounts, policyholders can also get a series of vehicle equipment, safe driving, driver education, and customer loyalty discounts. Taking advantage of multiple discounts could help reduce your insurance premiums even further.
Pros
Dedicated military discounts
Above-average J.D. Power customer satisfaction rating in Florida
Cons
Low Trustpilot ratings from online reviewers
Gap insurance not available
Best insurer for low-mileage drivers: Hugo
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $68/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $228/mo |
4.1
Best choiceBased on 114 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (43)
Dawn
October 21, 2024
Verified Review
Paying Too Much
It's pretty expensive and they don't really provide much coverage.
Kimberly
September 21, 2024
Verified Review
Hugo Whoa!
It's steep, but convenient.
Sheila
September 10, 2024
Verified Review
Great in a Pinch
It's good when you need it on the spot and don't have a lot of money because you pay daily. However, it's very expensive in the long run.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Hugo is a newer insurance company offering flexible, on-demand car insurance coverage for Florida drivers. It’s Insurify’s top pick for people who don’t drive often because you can use your car insurance as you need it.
For example, if you’re on a Hugo Flex plan and only commute to the office two days a week, you can turn on your coverage for the days you drive. You can turn off your coverage for the days you’re home, and you won’t pay anything for it. But if you lease or finance your vehicle, you won’t be able to turn your coverage off and on.
Pros
Can provide temporary coverage, if needed
Flexible, on-demand insurance
Cons
Available in only 13 states
Only offers auto coverage, so you can’t bundle policies
How to get the cheapest car insurance in Pensacola
Car insurance companies consider a number of factors when determining your insurance rates, including your age, gender, credit score, ZIP code, and driving record. Below are some tips for finding the cheapest coverage available in Pensacola.
Maintain a clean record. Your driving record is one of the major factors affecting your car insurance costs. Focus on maintaining a clean record and avoiding infractions behind the wheel if you want the best rates.
Take advantage of discounts. Many insurers offer discounts to help reduce your car insurance costs. For example, bundling your homeowners insurance or renters insurance with your auto policy could result in lower rates.
Shop around. Insurance rates vary by company, so comparing options before deciding on a new policy can help you find the lowest rates.
Find Cheap Car Insurance in Pensacola
Liability rates start at $63 per month
Secure. Free. Easy-to-use.
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Cheapest liability-only car insurance in Pensacola: State Farm
Liability insurance provides basic coverage that protects other drivers and others’ personal property if you’re responsible for a car accident. For example, if you’re at fault in an accident and another driver breaks their arm, your liability insurance can cover their medical bills. It’ll also kick in if you back into your neighbor’s fence or mailbox, for example. But liability insurance won’t cover your injuries or damage to your vehicle.
Liability insurance in Pensacola costs an average of $160 per month. These insurers offer affordable liability coverage in the city.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $63 |
| GEICO | $65 |
| Hugo | $68 |
| Mile Auto | $109 |
| Allstate | $110 |
| Safeco | $124 |
| Travelers | $131 |
| Mercury | $132 |
| Liberty Mutual | $136 |
| Direct Auto | $140 |
| Midvale Home & Auto | $160 |
| Progressive | $164 |
| Infinity | $169 |
| Foremost | $187 |
| Dairyland | $195 |
| GAINSCO | $196 |
| AssuranceAmerica | $218 |
| Bristol West | $233 |
| National General | $264 |
| The General | $280 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Pensacola: State Farm
Full coverage offers more protection than liability-only insurance. Liability, collision, and comprehensive insurance are generally components of a full-coverage policy, though insurers may offer other coverages.
A full-coverage auto insurance policy can provide added peace of mind if you drive often and have a newer vehicle. If you lease or finance your vehicle, your lender will probably require you to carry full coverage.
Pensacola drivers pay $256 per month for full-coverage policies, on average. Explore affordable full-coverage options in the table below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $74 |
| GEICO | $76 |
| Allstate | $129 |
| Safeco | $149 |
| Mile Auto | $152 |
| Travelers | $153 |
| Mercury | $158 |
| GAINSCO | $218 |
| Hugo | $228 |
| Liberty Mutual | $230 |
| Progressive | $231 |
| Infinity | $235 |
| Midvale Home & Auto | $240 |
| Direct Auto | $253 |
| National General | $275 |
| Foremost | $283 |
| Dairyland | $342 |
| AssuranceAmerica | $346 |
| Bristol West | $346 |
| The General | $405 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Pensacola, Florida
Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $71/mo for full coverage in Pensacola and other Florida cities.
*Quotes generated for Insurify users in and around Pensacola, Florida within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Pensacola, Florida within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
Florida is a no-fault state for car insurance, meaning that you need to submit a claim to your own insurer following an accident, no matter who’s at fault. Personal injury protection, or PIP, coverage is often required in no-fault states. This type of coverage protects you and your family members if you’re injured in an accident and need medical treatment.
The table below shows the minimum-coverage amounts you must have to drive legally in Florida:[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Property damage liability | $10,000 |
| Personal injury protection (PIP) | $10,000 |
You can also purchase these optional coverages, depending on your insurance needs:
Bodily injury liability coverage
This coverage isn’t required in Florida unless you have a DUI conviction. It protects other drivers and their passengers if you’re at fault in an accident and they’re injured.
Collision coverage
Collision insurance protects your vehicle if you’re in an accident. It doesn’t matter who the insurer found at fault; your coverage still applies.
Comprehensive coverage
Comprehensive insurance can protect your car if it has damage from a natural event, such as severe weather, fire, or vandalism.
Cheapest car insurance for drivers with an incident
Accidents and incidents sometimes happen, though these can result in higher insurance rates. Drivers with speeding tickets, at-fault accidents, or driving under the influence charges may end up paying more for auto coverage.[2] Insurance companies view these drivers as a higher risk on the road, which generally means more expensive rates.
Shop for Car Insurance in Pensacola, FL
Monthly rates start at $73 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
If you have a speeding ticket on your record, your auto insurance may be slightly more expensive than if you had a clean record. Multiple speeding tickets could result in even higher rates.
Pensacola drivers with a speeding ticket pay an average of $311 per month for full coverage and $194 for liability-only insurance. The table below shows how rates can increase for drivers with a speeding ticket compared to rates for drivers with a clean record.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $63 | $75 |
| GEICO | $65 | $78 |
| Hugo | $68 | $81 |
| Mile Auto | $109 | $135 |
| Allstate | $110 | $132 |
| Safeco | $124 | $151 |
| Travelers | $131 | $158 |
| Mercury | $132 | $171 |
| Liberty Mutual | $136 | $177 |
| Direct Auto | $140 | $168 |
| Progressive | $164 | $196 |
| Infinity | $169 | $211 |
| Foremost | $187 | $244 |
| Dairyland | $195 | $234 |
| GAINSCO | $196 | $256 |
| AssuranceAmerica | $218 | $265 |
| Bristol West | $233 | $279 |
| National General | $264 | $318 |
| The General | $280 | $340 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Pensacola drivers with at-fault accidents can expect to pay higher insurance rates than drivers with a clean record. An at-fault accident could make you a higher risk on the road from your insurance company’s perspective.
Pensacola drivers with an accident on their record pay a monthly average of $210 for liability insurance. Check out insurance companies offering relatively affordable coverage in the table below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $63 | $80 |
| GEICO | $65 | $84 |
| Hugo | $68 | $94 |
| Mile Auto | $109 | $147 |
| Allstate | $110 | $141 |
| Safeco | $124 | $156 |
| Travelers | $131 | $170 |
| Mercury | $132 | $182 |
| Liberty Mutual | $136 | $188 |
| Direct Auto | $140 | $184 |
| Progressive | $164 | $213 |
| Infinity | $169 | $214 |
| Foremost | $187 | $258 |
| Dairyland | $195 | $249 |
| GAINSCO | $196 | $241 |
| AssuranceAmerica | $218 | $278 |
| Bristol West | $233 | $297 |
| National General | $264 | $342 |
| The General | $280 | $366 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Past DUI charges also increase your auto insurance rates and change your coverage requirements in Florida.
If you have a DUI conviction after Oct. 1, 2007, state law requires you to maintain $100,000 per person and $300,000 per accident in bodily injury liability coverage for three years following your license reinstatement. You’ll also need to have $50,000 in property damage liability coverage.[3] Costs increase even further if you have multiple DUIs.
Liability-only insurance for drivers in Pensacola with a DUI costs an average of $242 per month. Full-coverage rates jump to $387 per month.
Explore rates for drivers with a DUI in the table below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $63 | $100 |
| GEICO | $65 | $103 |
| Hugo | $68 | $107 |
| Mile Auto | $109 | $172 |
| Allstate | $110 | $174 |
| Safeco | $124 | $196 |
| Travelers | $131 | $207 |
| Mercury | $132 | $190 |
| Liberty Mutual | $136 | $215 |
| Direct Auto | $140 | $221 |
| Progressive | $164 | $259 |
| Infinity | $169 | $267 |
| Foremost | $187 | $296 |
| Dairyland | $195 | $308 |
| GAINSCO | $196 | $310 |
| AssuranceAmerica | $218 | $345 |
| Bristol West | $233 | $368 |
| National General | $264 | $417 |
| The General | $280 | $443 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Driver age also affects car insurance rates, with insurance costs decreasing around age 35 and increasing again around age 70. Older drivers are more likely to be involved in fatal crashes than middle-aged drivers, so insurance companies view them as a higher risk on the road.[4]
Senior drivers in Pensacola pay an overall average of $166 per month for car insurance. Here are some insurers offering cheap auto coverage for senior drivers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $57 | $48 |
| GEICO | $60 | $51 |
| Allstate | $102 | $87 |
| Mile Auto | $113 | $81 |
| Travelers | $118 | $101 |
| Mercury | $120 | $101 |
| Safeco | $123 | $103 |
| Progressive | $163 | $116 |
| Infinity | $176 | $126 |
| Hugo | $178 | $53 |
| GAINSCO | $180 | $162 |
| Liberty Mutual | $189 | $112 |
| Direct Auto | $194 | $108 |
| National General | $208 | $199 |
| Foremost | $221 | $146 |
| AssuranceAmerica | $257 | $162 |
| Dairyland | $268 | $153 |
| Bristol West | $273 | $184 |
| The General | $325 | $225 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: GEICO
Teens are also more likely to be involved in fatal crashes than middle-aged drivers.[5] This, combined with their inexperience on the road, means higher insurance rates for teenage drivers. Young drivers pay the highest insurance rates, with coverage starting to become more affordable once they reach their late 20s.
Teen drivers in Pensacola pay monthly averages of $260 for liability coverage and $416 for full coverage. Here are some options if you’re a young driver seeking a relatively affordable car insurance policy.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| GEICO | $116 | $99 |
| State Farm | $122 | $104 |
| Allstate | $220 | $188 |
| Travelers | $267 | $228 |
| Mercury | $274 | $229 |
| Mile Auto | $286 | $205 |
| Safeco | $289 | $240 |
| Hugo | $359 | $107 |
| GAINSCO | $367 | $330 |
| Liberty Mutual | $393 | $233 |
| Progressive | $397 | $282 |
| Infinity | $413 | $297 |
| Direct Auto | $445 | $246 |
| Foremost | $486 | $321 |
| National General | $525 | $504 |
| Dairyland | $541 | $308 |
| Bristol West | $564 | $380 |
| AssuranceAmerica | $617 | $389 |
| The General | $621 | $430 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Pensacola car insurance quotes by credit tier
Car insurance companies in Florida are allowed to consider your credit history when calculating your insurance rates, though it isn’t the sole factor they look at. Drivers with poor credit pay more for car insurance than drivers with excellent credit.
Here’s what Pensacola drivers pay, on average, based on their credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Pensacola?
Compared to the national overall average of $158 per month, car insurance in Pensacola is relatively expensive. Pensacola drivers pay an overall average of $208 per month for coverage.
Despite paying more than U.S. drivers as a whole, Pensacola drivers pay lower insurance rates than Florida drivers. The overall average cost of coverage in Florida is $211 per month. Drivers in large cities like West Palm Beach and Tampa tend to pay the most for insurance.
More cities in Florida
Five of the most expensive cities to insure a car in Florida are Tampa, Pompano Beach, West Palm Beach, Miami, and Fort Lauderdale. These cities have higher populations than Pensacola, meaning there are likely more drivers on the road per square mile. More drivers on the road can mean a higher risk for incidents, which can lead to higher insurance rates.
See how rates compare in some other Florida cities.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Fort Lauderdale | $325 | $249 |
| Miami | $373 | $258 |
| Naples | $230 | $170 |
| Orlando | $289 | $202 |
| Pompano Beach | $309 | $238 |
| Tallahassee | $240 | $152 |
| Tampa | $362 | $293 |
| West Palm Beach | $332 | $283 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Pensacola car insurance FAQs
If you’re shopping for car insurance in Pensacola, this additional information may help as you research your coverage options.
How much is car insurance in Pensacola?
Car insurance in Pensacola costs $160 per month for liability coverage and $256 per month for full coverage, according to Insurify data.
Which companies have the cheapest car insurance in Pensacola?
State Farm has the cheapest car insurance in Pensacola, with monthly liability rates as low as $63. GEICO and Hugo also offer affordable coverage, with respective monthly liability rates of $65 and $68.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Pensacola?
With an IQ Score of 8.5 out of 5, above-average J.D. Power customer satisfaction ratings, and an AM Best financial strength rating of A++ (Superior) financial strength rating from AM Best, State Farm is the best car insurance company in Pensacola.
Other top insurers in the city include GEICO and Hugo.
What factors influence the cost of a car insurance policy in Pensacola?
Your age, credit history, ZIP code, driving record, and type of car you drive are among the many factors that influence the cost of your car insurance policy, regardless of where you live.
What is the average car insurance cost in Florida?
The average cost of car insurance in Florida is $165 per month for liability-only coverage and $257 per month for full coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Florida
Sources
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- The Florida Bar. "Automobile Insurance."
- Insurance Institute for Highway Safety. "Older drivers."
- Insurance Institute for Highway Safety. "Teenagers."
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Jess UllrichInsurance Writer
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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