Fort Walton Beach, FL Car Insurance

On average, Fort Walton Beach drivers pay a monthly average rate of around $93 for their car insurance. For more information refer to our guide below.
How does Fort Walton Beach stack up to the rest of the area, or even Florida as a whole? How much can residents of Fort Walton Beach expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Fort Walton Beach?

Area Average Monthly Car Insurance Premium
Fort Walton Beach$93
FL$122
United States$80

Based on the above chart, auto insurance policies in Fort Walton Beach are about $29 a month cheaper than in the rest of Florida.

Compared to the national average cost of auto coverage, Fort Walton Beach has higher rates. It's about $13 more expensive for coverage in Fort Walton Beach than the average rates for the U.S. as a whole.

While these are the average monthly costs for auto insurance coverage in Fort Walton Beach, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.

We've broken down the average rates for Fort Walton Beach to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$100
25-34$110
35-44$88
45-54$59
55-64$70
65+$59

The older you are, the more experience you're likely to have behind the wheel, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Fort Walton Beach may see their rates creep back up a bit once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$88
Female$99

While women typically pay less than men do for auto insurance, Fort Walton Beach goes against the grain. Female drivers typically pay around $11 more a month for insurance coverage than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$92
Multiple Accidents$253
1 TicketNot Enough Data
Multiple Tickets1180

Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Fort Walton Beach, having a single accident on your record will usually get you rates around $92 a month.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$113
2-3 Years$69
4-5 Years$82
6-7 Years$91
8-10 Years$85
11-14 Years$109
15 Years or Older$87

The cheapest vehicles to insure in Fort Walton Beach are by and large trucks and vans, with each type typically costing about $69 per month.

Car owners, on the other hand, typically pay around $96 per month, while SUV drivers can expect to pay about $90 a month for auto insurance.

Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. In Fort Walton Beach, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$98
Married$76
Divorced$85
Widowed$83

Generally, married policyholders will pay slightly less for car insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in Fort Walton Beach reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $22 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$106
Rent$87
Live with parents$81

Another factor taken into consideration is your living accommodations. Renters can expect to pay around $19 a month less than those who own their own home in Fort Walton Beach. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Fort Walton Beach, FL

Recent trends in car insurance for Fort Walton Beach drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

The rates for car insurance in Fort Walton Beach declined from 2016-2018, before leveling out in 2019. Policy premiums have been decreasing again recently, and were down to $91 in 2021.

How does Fort Walton Beach compare to neighboring areas?

Why are car insurance rates in Fort Walton Beach different from other areas?

Car insurance companies take in a lot of factors when choosing how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Off-street parking availability
  • Frequency of car accidents
  • Area laws
  • Total number of drivers in the region
  • Crime rates

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Fort Walton Beach?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Good news! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from the many car insurance companies providing plans in Fort Walton Beach.

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Fort Walton Beach Insurance FAQs

What factors affect car insurance quotes in Fort Walton Beach?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Fort Walton Beach different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Fort Walton Beach?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Fort Walton Beach?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Fort Walton Beach or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes