Fort Walton Beach, FL Car Insurance

Residents of Fort Walton Beach pay, on average, about $94 per month for car insurance. To find out more check out our guide below.
What rates can residents of Fort Walton Beach expect to pay for their car insurance? How do rates in Fort Walton Beach measure up compared to neighboring areas, including Florida as a whole? You can see the cost breakdowns and contributing 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$94
FL$123
United States$81

The cost of coverage in Fort Walton Beach is about $29 a month cheaper than it is for the rest of Florida.

Drivers relocating the Fort Walton Beach should take note of the differences in average rates. You can expect to pay about $13 more for your policy in Fort Walton Beach.

Although these are the average monthly costs for an auto insurance policy in Fort Walton Beach, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've done the heavy lifting for you and broken down the average rate for Fort Walton Beach so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, 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$118
25-34$106
35-44$90
45-54$64
55-64$70
65+$55

It's pretty safe to assume that the older you are, the more experience you have as a driver. It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay $63 more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, your rates may begin to go back up in Fort Walton Beach.

Average Car Insurance Rates by Gender

Gender Average
Male$88
Female$98

Although female drivers pay, on average, less than male drivers for auto insurance coverage, Fort Walton Beach actually goes against the grain. While female drivers pay $98 a month to insure their car, males only pay about $88.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$98
Multiple Accidents$242
1 Ticket$111
Multiple Tickets$464

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Fort Walton Beach, having a single accident on your record will usually get you rates around $98 a month. Likewise, drivers with one ticket will be looking at a rate of around $111 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$110
2-3 Years$67
4-5 Years$78
6-7 Years$89
8-10 Years$112
11-14 Years$98
15 Years or Older$91

If you look at the first table above, the cheapest vehicles to insure in Fort Walton Beach are usually trucks and vans, at $79 per month.

SUV drivers will see rates of about $89 for insurance coverage, while car owners typically pay around $97 per month.

Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Fort Walton Beach are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$99
Married$76
Divorced$84
Widowed$83

On average, married policyholders will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

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 $23 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$106
Rent$89
Live with parents$81

Another factor taken into consideration is your housing status. Renters can expect to pay around $17 a month less than homeowners in Fort Walton Beach. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Fort Walton Beach, FL

Recent trends in car insurance for Fort Walton Beach drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.

In Fort Walton Beach, the rates for auto insurance dropped from 2017-2018, and again, from 2020-2021. Rates finished up in 2022, at $101.

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 will take into account numerous factors when they're choosing how much to charge for a policy. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Rate of crime
  • Access to off-street parking
  • Road Safety (total number of local car accidents)
  • Laws
  • Total number of drivers in the area

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

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.

Good news! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage 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, credit score, address and 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?

Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

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