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Cheap Car Insurance in Pensacola, FL

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Pensacola is an underrated gem in Florida. The area is best known for its illustrious world-class golf courses and water sports culture — home to luminaries such as the Lost Key Gulf Club, Perdido Key, Pensacola Beach, and the Gulf Islands National Seashore. We’re also big fans of downtown, known for its popular karaoke hot spots and Vinyl Music Hall on famed Palafox street.

If you want to drive legally in Pensacola, you must have an active auto policy. Keep reading to learn more about auto insurance in Florida, including average monthly premiums paid by age/zip code, discounts you may be eligible for, and penalties for driving without it.

Quick Facts

  • The bottlenose dolphin is the most common dolphin in the Pensacola area
  • Pensacola is 330 miles away from Jacksonville, 215 miles away from New Orleans, and 329 miles away from Atlanta

How Much Does Car Insurance Cost in Pensacola, Florida?

Pensacola drivers pay an average monthly premium of $161 for full coverage, well above the national average of $147 but lower than the Florida state average of $230.

The cheapest car insurance in Pensacola, the state-required minimum, won’t seem cheap when compared to other states and cities. It’s $61 on average per month, compared to $47 nationally and a whopping $83 for Florida overall.

Getting a Free Auto Insurance quote with Freeway is easy!

Is Florida a No-Fault State?

As a no-fault state, Floridians will pay more for their auto insurance anyway. However, from 2021-2022, the average full coverage premium went up 17%. Florida drivers pay approximately 56% more for their coverage.

Low-Cost Car Insurance Rates Comparison by Cities

For the average monthly premium paid in other Florida cities, check out our breakdown below.

City Full Coverage Insurance Liability Insurance Coverage
Pensacola $161 $61
Miami $277 $119
Fort Lauderdale $220 $83
Orlando $177 $70

Affordable Car Insurance Rates by Zip Code in Pensacola, FL

Some zip codes pay higher premiums than others, thanks to demographic profile distribution, the volume of claims, theft rate, and other behaviors.

For the average monthly premiums paid by Pensacola residents by zip code, check out our breakdown below.

Zip Code Full Coverage Insurance Liability Insurance Coverage
32501 $163 $60
32502 $161 $61
32503 $162 $60
32504 $162 $60
32505 $163 $60
32506 $163 $60
32507 $163 $60
32508 $161 $61
32514 $162 $59
32526 $163 $60
32534 $163 $59
32536 $145 $53
32566 $149 $56
32570 $150 $56

Low-Cost Car Insurance Rates by Age in Pensacola, FL

Age is a key determining factor when auto insurers classify driver risk. Generally, younger drivers pay higher rates than older drivers due to a lack of driving experience and higher claim rates.

For the average monthly premiums paid by Pensacola residents by age, check out our breakdown below

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $524 $180
20s $220 $78
30s $161 $61
40s $151 $59
50s $142 $56
60s $144 $57
70s $151 $60

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Florida. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase. 

Driving Conditions in Pensacola, Florida

How Many Fatal Accidents Happen in Pensacola?

In 2019, there were seven fatal road traffic accidents, resulting in seven fatalities and involving 22 people, including two pedestrians.

How Are the Road Infrastructure and Bridges in Pensacola, FL?

The City of Pensacola has an active Public Works and Facilities Department that works on all aspects of city engineering, operations, and maintenance. This includes upkeep and repair of streets, stormwater systems, street lighting, and sidewalks. They are also responsible for inspection and Improvement programs that work towards an improved quality of life in the region.

Minimum Car Insurance Requirements in Pensacola, Florida

If you want to drive in the State of Florida legally, then you must carry the minimum liability insurance requirements:

As a no-fault state, your property damage and medical costs will be covered up to your policy limits in an accident, no matter who is at fault. You may consider increasing your limits, since $10,000 won’t go very far with today’s costs. Uninsured motorist coverage in Florida is another value for the money to consider.

We recommend applying for a full coverage policy over a state minimum liability policy, thanks to its wider coverage including comprehensive and collision. This protects you against vehicle-to-vehicle collisions, vehicle-to-object collisions, and rollover collisions.

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Getting a Free Auto Insurance quote with Freeway is easy!

What Are the Penalties for Driving Without Insurance in Pensacola, FL?

Do not even consider driving without coverage in Florida.

  • First-time offenders in Pensacola can expect to pay a $150 reinstatement fee and have their license and registration suspended for up to three years until proof of insurance is provided.
  • Second and subsequent offenses will see even harsher penalties with reinstatement fees of up to $500 and the same license and registration suspension period.

The state of Florida requires that all drivers carry a minimum of $10,000 for property damage liability and $10,000 for personal injury protection. It does not require bodily injury coverage, but we recommend you take out a full coverage policy with collision and comprehensive.

Car Insurance Factors Allowed in Pensacola, FL

Every auto insurer’s underwriting team helps determine each Florida driver’s risk profile. They take into consideration all or some of the following factors:

  • Age
  • Gender
  • Marital status
  • Credit score
  • Job title
  • Level of education

As your life circumstances change, it is essential to have an open line of communication with your provider. For example, switching to an older make and model vehicle can cut money off of your annual premium.

Discounts for Car Insurance in Pensacola, FL

Pensacola drivers can take advantage of all types of discounts, including but not limited to the following:

Drivers may qualify for many policy discounts. One of the best discounts that Florida drivers will have is the “Good Driver” discount, awarded to drivers with a clean driving record for the past three to five years. This means no moving violations, no claims, and no at-fault accidents.


Get an Online Quote for Low-Cost Car Insurance in Pensacola, FL Today!

Pensacola Beach Aerial View of Coastline

If you are ready to take advantage of a low-cost and dependable auto policy, look no further than Freeway Insurance.

If you are ready to receive a quote, we would love to help you. Feel free to request a quote online, visit a Pensacola location near you or call 800-777-5620 to learn more about what types of policies we offer.