Cheap Auto Insurance Quotes in Navarre, FL, for 2023

Car Insurance in Navarre, FL

The average cost of car insurance in Florida is around $331 per month or $3,972 annually. Car insurance on average in Navarre is $133 less per month or $2,376 less per year. You might even be able to find coverage for less than the average if you compare car insurance quotes.

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Cheapest Car Insurance in Navarre, FL

Various providers in Searcy offer rates below $200 per month. Depending on other factors for the driver and choice of vehicle, Navarre offers many great options for budget-minded buyers. With Insurify, you can find the perfect fit for your lifestyle.

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.

Navarre Car Insurance Rates by Driving and Accident History

Besides looking at factors like the age and gender of the driver and the cost and model of the vehicle, insurance agencies tend to take risk into account when calculating rates. This typically includes looking at driving records to evaluate a driver’s likelihood of filing a claim^[2]. For example, a driver with a clean record could pay a monthly rate of $191, but with a DUI, it would be $265.

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Navarre Car Insurance Rates by Credit Tier

Another risk factor that can affect an auto insurance rate is a driver’s credit tier. The mentality is that general spending habits can inform the likelihood of filing an insurance claim. Therefore, drivers who are in a better credit tier are rewarded for their responsible behavior with lower quotes^[3].

How to Get the Cheapest Car Insurance in Navarre

Keeping safe driving in mind is paramount to keeping insurance rates affordable in Navarre, as it lowers the chance of risk factors affecting your quotes. Also, choosing budget-friendly providers and bundling auto insurance with renters or home insurance can help keep costs down.

Don’t waste time on the phone with insurance agents, repeatedly answering the same unhelpful questions. Get instant access to real and personalized quotes, and buy the cheapest car insurance policy online with Insurify. Insurify makes comparing top insurance companies easy, finding you the best rates and the most customized discounts and coverage options.

Frequently Asked Questions

Insurify Insights

How Navarre 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 Navarre, 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 Navarre 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.

Ford F-Series Pickup

Most Popular Car in Navarre

#23

City with the Most Speeding Tickets Rank in Florida

#6

City with the Most Moving Violations Rank in Florida

#81

City with the Most DUIs Rank in Florida

#59

City with the Most Suspended Licenses in Florida

• Accidents in Navarre

  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. Navarre drivers rank 6 in the number of car accidents per driver across all cities in Florida.

  • Rank within state: #6
  • Percent of drivers in Navarre with an accident: 11.9%
• DUI/DWIs in Navarre

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Navarre drivers rank 81 in the number of DUI’s per driver across all cities in Florida.

  • Rank within state: #81
  • Percent of drivers in Navarre with a DUI: 0.8%
• Reckless Drivers in Navarre

  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, Navarre drivers rank 38 in the number of reckless driving offenses per driver.

  • Rank within state: #38
  • Percent of drivers in Navarre with a reckless driving offense: 2.3%
• Rude Drivers in Navarre

  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, Navarre drivers rank 25 in rude driving infractions.

  • Rank within state: #25
  • Percent of drivers in Navarre with a reckless driving violation: 2.8%
• Speeding in Navarre

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Navarre drivers rank 23 in the number of speeding infractions per driver.

  • Rank within state: #23
  • Percent of drivers in Navarre with a speeding ticket: 9.8%
• Safest Drivers in Navarre

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Navarre drivers rank 217 in clean driving records across all cities in Florida.

  • Rank within state: #217
  • Percent of drivers in Navarre with clean record: 73.8%
• Hybrid/Electric Vehicle Ownership in Navarre

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Navarre drivers rank 144 in hybrid and electric vehicle ownership across all cities in Florida.

  • Rank within state: #144
  • Percent of drivers in Navarre with a hybrid/electric vehicle: 0.57%

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.