Fort Walton Beach, FL Car Insurance

What rates can residents of Fort Walton Beach expect to pay for their car insurance? Are rates in Fort Walton Beach higher or lower than those in neighboring areas? How do they compare to the rest of Florida? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in Fort Walton Beach?

Based on the chart above, you can see that coverage in Fort Walton Beach typically costs about $31 a month less than it does in the rest of Florida.

Conversely, Fort Walton Beach residents should prepare to pay higher rates for coverage than the rest of the country. It's around $12 more expensive to insure your vehicle in Fort Walton Beach compared to the average rate for the rest of the U.S.

While these numbers represent the average monthly payments for coverage in Fort Walton Beach, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

We've broken down the average rates for Fort Walton Beach to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Fort Walton Beach Car Insurance Rates by Age

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement age, however, you may see your rates start to rise again in Fort Walton Beach.

Fort Walton Beach Car Insurance Rates by Gender

Although women typically pay less than men do for auto insurance, this is not the case in Fort Walton Beach, where female drivers pay around $9 more per month.

Fort Walton Beach Auto Insurance Rates by Driving Record

Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. Drivers in Fort Walton Beach with a single accident will pay around $98 a month. Similarly, drivers with one ticket will typically pay around $111 on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Fort Walton Beach Insurance Rates by Vehicle

In terms of affordable coverage, the cheapest vehicles to insure in Fort Walton Beach are by and large trucks and vans, at $79 per month.

Car owners can expect to pay an average of around $95 a month for their policy, while SUVs usually cost around $89 a month to insure.

You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Fort Walton Beach are vehicles less than one year old.

Fort Walton Beach Car Insurance Rates by Relationship Status

On average, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

The difference in rates based on relationship status in Fort Walton Beach is about $22 a month, with married couples paying less for coverage than single drivers.

Fort Walton Beach Car Insurance Rates by Housing Situation

Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $13 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

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

The rates for auto insurance in Fort Walton Beach declined from 2017-2018, before steadying out in 2019. Rates have been decreasing again recently, and were down to $75 in 2022.

How does Fort Walton Beach compare to neighboring areas?

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

There are a number of factors car insurance companies will consider when deciding how much to charge for a monthly rate. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:

• Road Safety (frequency of car accidents)
• Area crime rates
• Off-street parking accessibility
• Community laws
• Number of drivers in the region

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Realizing 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 corner of the world.

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

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But hold on! Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer coverage in Fort Walton Beach in no time.

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Fort Walton Beach Auto Insurance FAQs

What factors affect car insurance quotes in Fort Walton Beach?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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.