Cheapest Car Insurance In Pensacola, FL 2025
The lowest-cost minimum coverage car insurance in Pensacola comes from State Farm, at about $64 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
The search for cheap car insurance in Pensacola, FL, can reveal major differences in pricing.
GEICO offers the most affordable liability-only coverage. For full coverage, GEICO has the best rates, while Safeco provides the lowest prices for young drivers.
Cheapest Car Insurance In Pensacola, FL 2025
Cheapest Liability-only Car Insurance In Pensacola: State Farm
For drivers in Pensacola, State Farm has the most budget-friendly minimum coverage option, costing about $64 a month.
Review the table below to compare insurance rates and find the best deal.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $64 | $768 |
| Allstate | $108 | $1,296 |
| Mercury | $146 | $1,752 |
| Travelers | $130 | $1,560 |
| Progressive | $163 | $1,956 |
Cheapest Full Coverage Insurance Rates In Pensacola: GEICO
At just $83 a month on average, GEICO is the most affordable choice for full coverage car insurance in Pensacola.
Find out how average car insurance quotes stack up among Pensacola’s cheaper insurers in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $83 | $996 |
| Mercury | $187 | $2,244 |
| Allstate | $138 | $1,656 |
| Progressive | $244 | $2,928 |
| National General | $247 | $2,964 |
Cheapest Car Insurance Rates For Seniors: State Farm
With a monthly average of $106, State Farm has the cheapest car insurance rates for seniors in Pensacola.
Here’s a table displaying the average insurance rates from the cheapest providers for senior drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $106 | $1,272 |
| Mercury | $135 | $1,620 |
| Liberty Mutual | $114 | $1,368 |
| Allied | $177 | $2,124 |
| Direct auto | $134 | $1,608 |
Cheapest Rates In Pensacola For Teenagers: GEICO
Teen drivers in Pensacola can save the most with GEICO, which offers average monthly premiums of $135.
The table below provides a comparison of the most affordable insurance options for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $135 | $1,620 |
| Allstate | $251 | $3,012 |
| Travelers | $302 | $3,624 |
| Progressive | $429 | $5,148 |
| State Farm | $141 | $1,692 |
Cheapest Auto Insurance For Young Adults in Pensacola: Safeco
Young adults looking for the most affordable car insurance in Pensacola should consider Safeco, which offers an average premium of $78 per month.
Use the following table to compare budget-friendly auto insurance rates for young adults in Pensacola.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $78 | $936 |
| 21st Century | $164 | $1,968 |
| Direct Auto | $221 | $2,652 |
| Liberty Mutual | $115 | $1,380 |
| State Farm | $175 | $2,100 |
Cheapest Car Insurance In Pensacola For Good Drivers: State Farm
For good drivers in Pensacola, State Farm stands out as the most cost-effective option, with rates of about $64 per month.
Use the table below to compare the lowest auto insurance quotes for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $64 | $768 |
| Allstate | $108 | $1,296 |
| Mercury | $146 | $1,752 |
| Travelers | $130 | $1,560 |
| Progressive | $163 | $1,956 |
Find affordable Pensacola rates
Cheapest Car Insurance In Pensacola After A Speeding Ticket: State Farm
State Farm is a budget-friendly choice for Pensacola drivers with a speeding violation, offering coverage at an average of $75 per month.
If you’ve had a speeding violation, check the table below to find the average insurance costs.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $75 | $900 |
| Mile Auto | $122 | $1,464 |
| Travelers | $158 | $1,896 |
| Mercury | $191 | $2,292 |
| Foremost | $244 | $2,928 |
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Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm has the most budget-friendly car insurance for drivers responsible for an accident, with monthly rates averaging $81.
Here are the most affordable car insurance providers for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $81 | $972 |
| Allstate | $141 | $1,692 |
| Mercury | $205 | $2,460 |
| GEICO | $85 | $1,020 |
| Progressive | $215 | $2,580 |
Cheapest Rates In Pensacola For Drivers After A DUI: State Farm
State Farm provides the most cost-effective car insurance for Pensacola drivers with a DUI, averaging $98 a month.
The table below displays the cheapest car insurance options for drivers in Pensacola with a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $98 | $1,176 |
| Allstate | $171 | $2,052 |
| Progressive | $255 | $3,060 |
| Mercury | $217 | $2,604 |
| Foremost | $292 | $3,504 |
Best Car Insurance Companies In Pensacola
If you’re in Pensacola, State Farm offers the cheapest insurance at $64 per month, but you might also consider GEICO at $67 or Mile Auto at $104.
The following table displays the top 10 car insurance companies in Pensacola, FL, ranked by affordability.
| Company | Monthly Premium |
| State Farm | $64 |
| Allstate | $108 |
| Mercury | $146 |
| Travelers | $130 |
| Progressive | $163 |
| GEICO | $67 |
| Mile Auto | $104 |
| Direct Auto | $140 |
| Foremost | $187 |
| Dairyland | $214 |
Average Auto Insurance Rates In Pensacola – By Age
A driver’s age is a crucial factor in car insurance pricing. Teens, who are statistically more likely to be in accidents, pay an average of $6,808 per year for coverage.
When drivers reach 25, they typically qualify for lower insurance costs, assuming they have a clean record.
Since insurers use age to measure experience and risk, drivers in their 50s and early 60s generally qualify for the most competitive rates.
| Age | Average Yearly Rate |
| Teenagers | $6,808 |
| 20s | $4,538 |
| 30s | $2,900 |
| 40s | $2,706 |
| 50s | $2,272 |
| 60s | $2,410 |
| 70s | $2,467 |
Average Rates In Pensacola – By Vehicle
The kind of vehicle you own significantly affects insurance costs. Newer cars, especially luxury models with advanced features, often have higher rates because of their higher repair and replacement costs.
Check the following table for a breakdown of average insurance prices in Pensacola for various vehicles.
| Vehicle | Average Monthly Rate |
| Nissan Versa | $607 |
| Dodge Dakota | $97 |
| Buick Encore | $300 |
| Jeep Cherokee | $555 |
| Kia Seltos | $425 |
Average Cost Of Auto Insurance In Pensacola – By Zip Code
Since crime statistics vary by zip code, insurance rates are adjusted accordingly for each region.
Compare insurance prices across Pensacola zip codes using the table below.
| City | Average Monthly Rate |
| 32514 | $259 |
| 32504 | $270 |
| 32501 | $245 |
| 32534 | $218 |
| 32511 | $379 |
How Much Is Car Insurance In Other Cities in Florida?
Your car insurance price depends in part on your city. Higher risks of accidents, vandalism, and theft in urban areas often lead to more expensive coverage.
Residents of Miami can expect to pay about $410 per month for car insurance, while those in Gainesville usually pay around $250.
| City | Average Monthly Rate |
| St. Petersburg | $260 |
| Tampa | $394 |
| Pensacola | $261 |
| Jacksonville | $290 |
| Miami | $410 |
| Gainesville | $250 |
| Orlando | $322 |
| Fort Myers | $268 |
| Kissimmee | $260 |
| West Palm Beach | $405 |
Find affordable Pensacola rates
Our Methodology
Using a detailed approach that includes customer reviews, pricing, policy features, and online insights, I’ve mapped out a comprehensive overview of Pensacola, FL car insurance providers.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Pensacola?
If you’re searching for affordable car insurance in Pensacola, State Farm offers the lowest minimum coverage rates, while GEICO provides the most cost-effective full coverage plan.
What is the average cost of car insurance in Pensacola?
The average monthly car insurance premium in Pensacola is $260, but actual rates depend on factors like zip code, vehicle, and driving history.
