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How much is car insurance in Pensacola?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Florida, coverage in Pensacola is about $21 a month cheaper.
On the other hand, drivers in Pensacola may pay higher rates than the rest of the country. The cost of insuring a vehicle in Pensacola is about $22 more expensive than the average rate for the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Pensacola, that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
But don't worry, we've broken down the average rate for Pensacola residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. 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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Pensacola Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay $48 more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. Pensacola drivers may see their rates creep back up once they hit retirement age.
Pensacola Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This is true in Pensacola, where women pay around $4 less per month. As you can see in the table above, male drivers in the area typically pay $104 on average, while female drivers typically pay $100 each month.
Pensacola Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records can expect to pay a lot less than those with infractions. Drivers in Pensacola with one accident will pay around $131 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $109 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Pensacola Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$111|
|15 Years or Older||$92|
The cheapest vehicles to insure in Pensacola are usually trucks and vans, with each type typically costing about $93 per month.
Car owners, on the other hand, by and large pay around $106 a month, while SUV drivers can expect to pay about $98 per month for insurance.
The age of your vehicle can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Pensacola, vehicles eleven-to-fourteen years old are the most expensive to insure.
Pensacola Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$105|
More often than not, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
According to the table above, the difference in rates based on relationship status in Pensacola can be as much as $17 a month, so it's worth taking into consideration.
Pensacola Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$117|
Your living situation is another component of how insurance companies calculate your monthly rate. Drivers who own property in Pensacola can expect to pay around $18 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Pensacola, FL
Recent trends in car insurance for Pensacola 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 cost of auto insurance in Pensacola declined from 2017-2020, before steadying out in 2021. Rates finished down in 2022, at $79 a month
How does Pensacola compare to neighboring areas?
Why are car insurance rates in Pensacola different from other areas?
Car insurance companies will take into account several factors when deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Crime rates
- Total number of drivers in the community
- Off-street parking accessibility
- Road safety
- Local laws
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Pensacola?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Fortunately, Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in Pensacola in no time.
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Pensacola Auto Insurance FAQs
What factors affect car insurance quotes in Pensacola?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Pensacola different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, 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 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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Pensacola or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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