Best Auto Insurance Rates in Pensacola, Florida

Compare Auto Insurance in Pensacola

Friday, November 9 2018 By Jennifer Cramer

Pensacola, Florida is known for many things: the home base for the Blue Angels, the birthplace of world-famous athletes Derrick Brooks, Emmitt Smith, and Bubba Watson, and the home of the National Naval Aviation Museum. But, did you know that Pensacola is one of the oldest cities in America? Known as “The City of Five Flags,” Pensacola has existed under Spanish, French, British, Confederate, and American rule. In fact, Pensacola was established almost a hundred years before the Mayflower landed in 1620.

Both rich history and modern day contributions make Pensacola a great place for all kinds of people. So, Pensacola residents shouldn’t have to worry about overpaying for car insurance.

Average Pensacola Car Insurance Rates

How much is car insurance in Pensacola, FL? The average cost of car insurance in Pensacola is higher than both the state and national average. The average cost of auto insurance in Florida is $1,185.25 per year. The national average price is $889.01.

Prices may vary depending on your limits, coverage, driving history, and the number of insurance claims filed in your zip code.

Florida Average Annual Car Insurance Rates

Coverage	Rates
Liability	$857.64
Collision	$282.96
Comprehensive	$116.53
Total Cost Per Year	$1,185.25
Price Per Month	$98.77
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Florida's insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Florida car insurance rates increased from $1,090 in 2011 to $1,140 in 2015, a jump of $94, or 8.68 percent.

QuoteWizard helps consumers compare quotes from both national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Pensacola, Florida and save up to 40% on your premium.

Last year, 5,856 people used QuoteWizard to compare car insurance quotes in Pensacola, FL from multiple companies and get the cheapest rates.

Best Car Insurance Companies in Pensacola, FL

This is our list of the most common car insurance companies reported by QuoteWizard users living in Pensacola, Florida last year. Of the 5,856 people who requested quotes, 315 were uninsured.

Top 10 Vehicles in Pensacola

This is our list of the most common car makes and models owned by Pensacola, FL drivers requesting quotes through QuoteWizard last year.

Minimum Car Insurance Requirements in Pensacola, FL

Pensacola, Florida has a minimum coverage requirement known as the 10/20/10 rule. This means each policy must include at least:

• Individual Bodily Injury Liability (BIL): $10,000.
  This is the most your insurance company will pay for one person injured in a car accident. It applies only to people named on your policy.
• Total Bodily Injury Liability: $20,000.
  This is the most your insurance company will pay in total for everyone injured in a car accident. It applies to you and people not named on your policy.
• Property Damage Liability (PIL): $10,000.
  This is the most your insurance company will pay for property damage caused by a car crash. This includes all physical damage such as vehicle damage and damage to road fixtures. If you hit a telephone pole or road sign, you’re covered.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence your insurance rates.

Weather

Pensacola, FL residents enjoy a warm, humid climate with long hot summers and mild winters. Residents can expect 224 sunny days and around 110 days with any measurable precipitation. Pensacola receives an average of 62.6 inches of precipitation a year, virtually all of it falling as rain.

Road Conditions

Pensacola doesn't suffer from terrible road conditions, but TRIP reports that 24% of Pensacola's major roads have poor or mediocre pavement conditions. These road conditions cost drivers $152 a year in extra vehicle operating costs. These costs are a direct result of driving on rough roads that damage cars and waste gas because of delays due to congestion. They’re also a factor in car accidents.

Traffic Congestion

Traffic data provider Inrix ranks Pensacola as having the 55th worst traffic congestion in the US. Their data shows that area commuters wasted 38 hours in traffic congestion last year. Area commuters also spent an average of $849 per commuter in congestion costs.

Moving Violations

Moving violations like speeding tickets, accidents, running a red light, and drunk driving will give you a bad driving record and can flag you as a high-risk driver. This will lead to higher insurance rates.

Traffic Tickets

The Pensacola Police Department website allows you to pay traffic citations and tells Pensacola drivers how to plead not guilty and contest tickets. You can also sign up for driver improvement school.

Pensacola DUIs

Getting a DUI can cause all kinds of problems, especially increasing your rates. After your rates go up, legal and financial woes can stick around for months. Brevard County Sheriff’s office provides DUI data and updates via its website.  At the end of the day, a DUI can typically cost between $10,000 and $15,000.

SR-22 or FR-44 DUI Insurance

A DUI conviction may require you to obtain an SR-22 or FR-44 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Pensacola DUI insurance.

Car Accident Statistics

Pensacola Police reported 1,430 motor vehicle crashes in 2016 resulting in 611 injuries. This was almost identical to the 1,480 crashes in 2015.

Traffic Fatalities

Pensacola Police reported four fatal car crashes in 2016. This was a big improvement on the four fatal crashes in 2015.

Vehicle Theft Rates

Pensacola reported 120 vehicle thefts in 2016. This is a rate of 2.26 thefts per 1,000 people, which is a tiny bit higher than the rate for the US as a whole—2.20 per 1,000 people. With an estimated population of 53,779, this is an average rate.

Save With Car Insurance Discounts

Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available to Pensacola drivers. Get a quote and find out which discounts you qualify for with your current or multiple insurance companies.

1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 15% off your premium
2. Safe driver. If you have a perfect driving record, with no tickets or accidents, you may qualify for the safe driver or accident-free discount
3. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
4. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
5. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
6. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
7. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
8. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
9. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
10. Shop around and compare Pensacola auto insurance rate quotes

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