Cheap Auto Insurance Quotes in Pensacola, FL, for 2023

Car Insurance in Pensacola, FL

Looking for affordable auto insurance in Pensacola? We’re here to help. In this article, we’ll review the top quotes from car insurance companies in Pensacola and take a look at how different aspects of your driver profile will affect your insurance rates. Remember to always compare car insurance quotes before deciding on a policy.

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Cheap Car Insurance Florida

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Cheapest Car Insurance in Pensacola, FL

Below, you’ll find Insurify’s list of average auto insurance quotes in Pensacola to use as a starting point and set expectations on your hunt for cheap insurance coverage. You should always compare quotes before buying, as your rate will vary based on your personal driving details.

Minimum Car Insurance Requirements in Florida

All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Florida^[1] are:

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. Florida is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Pensacola Car Insurance Rates by Driving and Accident History

Florida car insurance is cheapest when you don’t have any car accidents on your driving record since insurers use your driving history as a factor when setting premiums^[2]. On average, a speeding ticket will raise your premiums, and an at-fault accident will do even more damage. Below, you’ll find average rates for Pensacola drivers based on their driving history.

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High-Risk Car Insurance Florida

DUI Car Insurance Florida

Pensacola Car Insurance Rates by Credit Tier

Florida insurance companies use credit scores to set your insurance premiums, so it helps to maintain good credit^[3]. You can see in the table below that Pensacola drivers with the best credit scores pay the lowest average rates, while drivers with poor credit usually end up paying much more.

How to Get the Cheapest Car Insurance in Pensacola

Your Pensacola car insurance policy is an important guard against financial calamity. While you may be looking for a bargain, the best car insurance isn’t just the minimum coverage. It may be worth it to have enough liability insurance to protect your assets, as well as comprehensive coverage and collision coverage to help you out in a car accident that wasn’t your fault.

To find those auto insurance rates, look no further than Insurify. In just a few minutes, our free quote-comparison tool provides you with cheap car insurance quotes from as many companies as it can find. Drivers should also consider bundling their auto insurance with renters insurance or homeowners insurance, as many companies offer discounts for this.

Frequently Asked Questions

Insurify Insights

How Pensacola Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Pensacola, Florida below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Pensacola drivers measure up to their fellow motorists across Florida in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Nissan Altima

Most Popular Car in Pensacola

#68

City with the Most Speeding Tickets Rank in Florida

#41

City with the Most Moving Violations Rank in Florida

#109

City with the Most DUIs Rank in Florida

#35

City with the Most Suspended Licenses in Florida

• Accidents in Pensacola

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Pensacola drivers rank 22 in the number of car accidents per driver across all cities in Florida.

  • Rank within state: #22
  • Percent of drivers in Pensacola with an accident: 10.6%
• DUI/DWIs in Pensacola

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Pensacola drivers rank 109 in the number of DUI’s per driver across all cities in Florida.

  • Rank within state: #109
  • Percent of drivers in Pensacola with a DUI: 0.6%
• Reckless Drivers in Pensacola

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Florida, Pensacola drivers rank 24 in the number of reckless driving offenses per driver.

  • Rank within state: #24
  • Percent of drivers in Pensacola with a reckless driving offense: 2.4%
• Rude Drivers in Pensacola

  The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Florida, Pensacola drivers rank 21 in rude driving infractions.

  • Rank within state: #21
  • Percent of drivers in Pensacola with a reckless driving violation: 2.9%
• Speeding in Pensacola

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Pensacola drivers rank 68 in the number of speeding infractions per driver.

  • Rank within state: #68
  • Percent of drivers in Pensacola with a speeding ticket: 7.6%
• Safest Drivers in Pensacola

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Pensacola drivers rank 190 in clean driving records across all cities in Florida.

  • Rank within state: #190
  • Percent of drivers in Pensacola with clean record: 76.5%
• Hybrid/Electric Vehicle Ownership in Pensacola

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Pensacola drivers rank 131 in hybrid and electric vehicle ownership across all cities in Florida.

  • Rank within state: #131
  • Percent of drivers in Pensacola with a hybrid/electric vehicle: 0.66%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.