+120 more*These quotes are from Compare.com users in and around Pensacola, Florida within the last 10 days. Updated on May 11, 2026
*These quotes are from Compare.com users in and around Pensacola, Florida within the last 10 days. Updated on May 11, 2026
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Living in Pensacola means sunshine, beach breezes, and car insurance that averages $160 per month. Florida’s coastal weather and high rates of accidents[1] and uninsured drivers[2] drive prices up, contributing to higher-than-average rates.
Comparing insurers can help you find much lower rates. Progressive, Mile Auto, and State Farm have some of the cheapest average rates. The cheapest average liability rate is $90 per month, according to Compare.com data.
This article breaks down the cheapest car insurance in Pensacola for different driving profiles and coverage needs. Read on for tips on saving on coverage and picking the right company.
Progressive has the cheapest car insurance in Pensacola.
Pensacola drivers pay an average of $120 per month for liability insurance and $201 for full coverage.
Florida requires $10,000 in personal injury protection and property damage liability coverage.
Even considering the average cost of Pensacola car insurance, many drivers can still find affordable rates. Several car insurance companies offer policies below the citywide average, depending on your profile and coverage needs.
The table below highlights the cheapest car insurance companies in Pensacola, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Progressive | $90 |
| Mile Auto | $95 |
| State Farm | $95 |
| Clearcover | $96 |
| GEICO | $108 |
| Dairyland | $110 |
| Embark | $119 |
| Infinity | $124 |
| Mercury | $134 |
| Direct Auto | $136 |
| GAINSCO | $136 |
| The General | $144 |
| Bristol West | $155 |
| National General | $164 |
| Allstate | $165 |
| Root | $165 |
| AssuranceAmerica | $166 |
| Travelers | $197 |
| Mendota | $251 |
| First Acceptance | $259 |
| Liberty Mutual | $262 |
Progressive has the lowest average monthly premium in Pensacola, at just $90.
Next, we’ll compare insurers to see which ones stand out for affordability based on common factors, so you can find the best fit for your needs.
Get personalized quotes from top insurers and save money today.
The companies listed above are a solid starting point, but your actual rate depends on your unique situation. Your age, driving history, credit history, and discounts all affect how much you’ll pay for car insurance.
To make it easier, we’ve compiled a list of the cheapest companies for different types of drivers and coverage levels to give you a sense of what to expect based on your background.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Progressive | $90 |
| Full coverage | State Farm | $133 |
| Teens | Progressive | $153 |
| Seniors | Progressive | $81 |
| Drivers with a speeding ticket | Progressive | $105 |
| Drivers with an at-fault accident | Progressive | $115 |
| Drivers with a DUI | Progressive | $118 |
| Drivers with excellent credit | Progressive | $82 |
| Drivers with poor credit | Progressive | $113 |
In short, different drivers get different deals. Keep in mind that your deductible and add-on insurance services, like roadside assistance, can even affect your cost. In the next few sections, we’ll walk through what shapes your rate and which insurers come out on top for drivers like you.
The average premium for minimum liability coverage in Pensacola is $120 per month, according to Compare.com data.
While the price is a bargain, most insurance experts recommend purchasing more coverage.[3] Minimum policy limits might not be enough to cover a fender bender on Bayfront Parkway or a collision near the city’s Naval Air Station.
The chart below shows the five cheapest companies for state-minimum coverage in Pensacola, according to our research.
Company | Average Monthly Premium |
|---|---|
| Progressive | $90 |
| Mile Auto | $95 |
| State Farm | $95 |
| Clearcover | $96 |
| GEICO | $108 |
| Dairyland | $110 |
| Embark | $119 |
| Infinity | $124 |
| Mercury | $134 |
| Direct Auto | $136 |
| GAINSCO | $136 |
| The General | $144 |
| Bristol West | $155 |
| National General | $164 |
| Allstate | $165 |
| Root | $165 |
| AssuranceAmerica | $166 |
| Travelers | $197 |
| Mendota | $251 |
| First Acceptance | $259 |
| Liberty Mutual | $262 |
For most Pensacola drivers, full coverage is the smarter (and sometimes required) option — especially if you’re financing or leasing your vehicle. It includes liability insurance, plus collision and comprehensive coverage to protect your car when you’re driving down Pensacola Beach Boulevard or navigating downtown traffic.
Full-coverage premiums average $201 per month in Pensacola, according to our data, but some companies offer it for close to what many drivers pay for liability-only policies.
Below, we’ve identified the five cheapest insurers in Pensacola for full coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $133 |
| Progressive | $139 |
| Mile Auto | $152 |
| Mercury | $177 |
| National General | $188 |
| GEICO | $190 |
| Direct Auto | $199 |
| Clearcover | $200 |
| Bristol West | $215 |
| Infinity | $227 |
| Allstate | $231 |
| The General | $234 |
| Embark | $249 |
| AssuranceAmerica | $259 |
| Root | $265 |
| Travelers | $275 |
| GAINSCO | $279 |
| Liberty Mutual | $290 |
| Dairyland | $313 |
| First Acceptance | $334 |
| Mendota | $339 |
Teens and young drivers pay some of the highest insurance rates of any age group — and rates in Pensacola are no different. Insurers see younger drivers as riskier. In fact, mile for mile, teens are nearly four times more likely to crash than older drivers, according to the Insurance Institute for Highway Safety (IIHS).[4]
If your teen is itching to drive down to Laguna’s, you’re looking at an average monthly premium of $273. But more affordable policy options are within reach with the right company and a few discounts, like the good student discount.
The five companies below are the lowest we’ve found for teen car insurance in Pensacola.
Company | Average Monthly Premium |
|---|---|
| Clearcover | $152 |
| Progressive | $153 |
| State Farm | $179 |
| Dairyland | $185 |
| GEICO | $189 |
| Mile Auto | $190 |
| Embark | $203 |
| Infinity | $208 |
| GAINSCO | $235 |
| Mercury | $238 |
| The General | $251 |
| Direct Auto | $257 |
| Bristol West | $266 |
| Root | $278 |
| Allstate | $318 |
| National General | $319 |
| AssuranceAmerica | $335 |
| Travelers | $400 |
| Mendota | $428 |
| First Acceptance | $441 |
| Liberty Mutual | $445 |
Senior drivers tend to pay less for car insurance than younger age groups, thanks to decades of driving wisdom. In Pensacola, the average rate for drivers in their 60s is around $145 per month, but there’s still room to save on your policy. And some insurers offer rates well below that.
Our research uncovered these five companies with the most competitive rates for seniors in Pensacola.
Company | Average Monthly Premium |
|---|---|
| State Farm | $77 |
| Mile Auto | $77 |
| Progressive | $81 |
| Clearcover | $87 |
| GEICO | $88 |
| Infinity | $93 |
| Dairyland | $96 |
| Embark | $108 |
| Mercury | $109 |
| Direct Auto | $114 |
| GAINSCO | $119 |
| The General | $126 |
| National General | $132 |
| Bristol West | $133 |
| AssuranceAmerica | $133 |
| Allstate | $137 |
| Root | $141 |
| Travelers | $161 |
| Liberty Mutual | $223 |
| Mendota | $227 |
| First Acceptance | $234 |
A speeding ticket on Interstate 10 will show up on your insurance bill in the form of higher premiums. When it comes time to renew, most companies view the ticket as proof of your higher risk and raise your rates accordingly. Our research found that even a single speeding ticket can raise car insurance rates by 37% nationwide.
Pensacola drivers with recent tickets pay an average of $186 per month. But you might find a better deal by shopping around.
Check out these five companies offering drivers in Pensacola with speeding tickets cheaper rates, according to our data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $105 |
| Mile Auto | $111 |
| State Farm | $116 |
| Clearcover | $118 |
| Dairyland | $132 |
| GEICO | $137 |
| Embark | $139 |
| Infinity | $153 |
| GAINSCO | $157 |
| Direct Auto | $165 |
| Mercury | $180 |
| The General | $187 |
| Bristol West | $189 |
| National General | $198 |
| AssuranceAmerica | $204 |
| Allstate | $207 |
| Root | $213 |
| Travelers | $247 |
| Mendota | $293 |
| First Acceptance | $302 |
| Liberty Mutual | $323 |
A minor scrape on Nine Mile Road or a collision near Cordova Mall can affect your insurance rates. An accident on your claims history can send your insurance bill through the roof. Nationally, our data shows that an at-fault crash triggers a 41% premium increase.
The average motorist in Pensacola pays $204 per month, according to Compare.com data. But one bad day doesn’t have to define your insurance future. The five insurers below offer lower rates for Pensacola drivers with an accident on their record.
Company | Average Monthly Premium |
|---|---|
| Progressive | $115 |
| State Farm | $124 |
| Mile Auto | $126 |
| Clearcover | $135 |
| GEICO | $140 |
| Dairyland | $143 |
| Embark | $152 |
| Infinity | $162 |
| GAINSCO | $171 |
| Direct Auto | $182 |
| The General | $195 |
| Mercury | $198 |
| Bristol West | $201 |
| National General | $215 |
| AssuranceAmerica | $217 |
| Allstate | $218 |
| Root | $218 |
| Travelers | $262 |
| Mendota | $320 |
| First Acceptance | $330 |
| Liberty Mutual | $342 |
Of all driving infractions, nothing sends your premium soaring faster than a DUI. Throughout the U.S., a DUI can bump up your premium by an average of 61%. While Pensacola drivers with DUI convictions face an average premium of $210 per month, according to Compare.com data, you’ve got options.
Here are the top five insurance companies with the most affordable DUI rates in Pensacola, according to our data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $118 |
| Mile Auto | $131 |
| State Farm | $131 |
| Clearcover | $132 |
| GEICO | $147 |
| Dairyland | $151 |
| Embark | $156 |
| Infinity | $171 |
| Direct Auto | $187 |
| GAINSCO | $187 |
| The General | $191 |
| Mercury | $196 |
| Bristol West | $213 |
| National General | $226 |
| Allstate | $227 |
| AssuranceAmerica | $228 |
| Root | $229 |
| Travelers | $271 |
| Mendota | $329 |
| First Acceptance | $340 |
| Liberty Mutual | $361 |
Almost every Florida insurance agency considers your credit history when calculating your car insurance premiums.[5] Companies assume that people with good credit are less likely to file claims.[6] Drivers with poor credit pay 20% more than drivers with excellent credit, according to our research.
If you live in Pensacola and have poor credit, our data shows you can expect to pay average premiums of $200 per month. The good news is that some insurers and local agents focus more on your driving habits than your credit history — and some don’t look at your credit report at all.
Here are the five cheapest insurers for Pensacola drivers with poor credit, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $113 |
| Mile Auto | $117 |
| Clearcover | $118 |
| GEICO | $133 |
| Dairyland | $136 |
| State Farm | $137 |
| Embark | $149 |
| Infinity | $153 |
| Mercury | $164 |
| Direct Auto | $168 |
| GAINSCO | $168 |
| The General | $178 |
| Bristol West | $191 |
| National General | $202 |
| Allstate | $204 |
| Root | $204 |
| AssuranceAmerica | $205 |
| Travelers | $243 |
| Mendota | $314 |
| Liberty Mutual | $314 |
| First Acceptance | $324 |
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To legally cruise down Palafox Street, or anywhere in Florida, you must have auto insurance. The minimum state requirements for all drivers include:
$10,000 personal injury protection (PIP)
$10,000 property damage liability (PDL)[7]
Most locals can skip bodily injury liability (BIL) coverage unless a DUI conviction comes into play. For anyone with a DUI after October 2007, state law requires $100,000 per person and $300,000 per accident in BIL coverage for three years. Your minimum PDL limit jumps, too — from $10,000 to a mandatory $50,000.[8]
Most experts strongly advise against choosing Florida’s bare-minimum coverage. A $10,000 limit can disappear fast, even after a minor accident. The Florida Department of Financial Services warns that if the other person’s injuries go beyond your policy’s limits, they could take you to court for anything your insurance doesn’t pay.
Find the coverage you need for the best price in Pensacola.
If you still have questions about insuring your vehicle in Pensacola, here are the answers you’re looking for.
Car insurance in Pensacola costs an average of $160 per month, according to our research. Minimum liability coverages average $120, while full coverage runs about $201.
The cheapest auto insurance company in Pensacola is Progressive, with an average monthly rate of $90, according to Compare.com data.
It depends. Pensacola’s average rate is $160 per month, compared to the national average rate of $140, according to our data.
That said, the city’s average premium is lower than the statewide average. At the end of the day, your car insurance costs depend on your specific situation. Your ZIP code, driving record, age, and vehicle make all significantly affect your rate.
The cheapest car insurance company in Florida is Progressive. Our data shows it consistently offers the lowest rates across the state.
A good auto policy in Florida typically includes more than just the state-minimum protections. Most experts recommend adding bodily injury liability, uninsured motorist coverage, and collision and comprehensive coverage if you finance your car or it’s worth more than a few thousand dollars.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.