Table of contents
How much is car insurance in Pensacola?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Pensacola | $102 |
| FL | $123 |
| United States | $81 |
Based on the chart above, you can see that coverage in Pensacola typically costs about $21 a month less than it does in the rest of Florida.
The average cost of insuring your vehicle in Pensacola is above the national rate. The average monthly payment for the rest of the U.S. is about is about $21 cheaper than it is in Pensacola.
Bear in mind that while these rates are the average costs for Pensacola drivers, it doesn't mean that's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Pensacola and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $140 |
| 25-34 | $99 |
| 35-44 | $98 |
| 45-54 | $83 |
| 55-64 | $78 |
| 65+ | $94 |
It would make sense that older drivers have more driving experience, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Pensacola may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $103 |
| Female | $100 |
In general, car insurance rates for women are usually cheaper than they are for men. The price for insurance coverage in Pensacola, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $132 |
| Multiple Accidents | $154 |
| 1 Ticket | $108 |
| Multiple Tickets | $143 |
Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. Drivers in Pensacola with a single accident will pay around $132 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $108.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $111 |
| 2-3 Years | $94 |
| 4-5 Years | $105 |
| 6-7 Years | $111 |
| 8-10 Years | $107 |
| 11-14 Years | $112 |
| 15 Years or Older | $92 |
The most affordable vehicles to insure in Pensacola are by and large trucks and vans, which run about $91 per month.
Car owners will see a monthly bill of about $106, while SUV owners typically pay around $98 a month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old however, your rates may start to dip back down a bit. In Pensacola, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $106 |
| Married | $86 |
| Divorced | $90 |
| Widowed | $78 |
Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Pensacola follows that pattern, with the difference totaling to around $20 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $89 |
| Rent | $106 |
| Live with parents | $119 |
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $17 a month more than homeowners in Pensacola. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Pensacola, FL
Recent trends in car insurance for Pensacola drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
The cost of auto insurance coverage in Pensacola dropped from 2017-2020, before leveling out in 2021. Insurance rates finished down in 2022, at $55 per month
How does Pensacola compare to neighboring areas?
Why are car insurance rates in Pensacola different from other areas?
There are a number of factors car insurance companies will consider when choosing how much to charge for a monthly rate. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Total number of drivers in the community
- Local crime rates
- Laws
- Road safety
- Access to off-street parking
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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Pensacola?
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.
Fortunately, Compare.com can handle all of this for you. Enter your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering policies in Pensacola.
Pensacola Insurance FAQs
What factors affect car insurance quotes in Pensacola?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Pensacola 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 parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Pensacola?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Pensacola?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Pensacola or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.