CarInsurance.com Insights
- CarInsurance.com’s data study found that GEICO and Travelers offer cheapest car insurance rates in Pensacola at an annual cost of $548 and $722 for state minimum coverage
- You can save an average of $3,304 per year on a full coverage policy in Pensacola by comparing price quotes from different carriers.
Based on a detailed data analysis, UAIC, Travelers, and State Farm are the insurers that offer cheap full coverage car insurance rates for drivers in Pensacola, Florida.
Car insurance in Pensacola for an adult with a clean driving record and good insurance score costs $1,046 a year for a state minimum policy and $3,453 for a full coverage policy.
Insurance companies consider drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.
Where you live is also a significant factor. Car insurance rates can vary significantly from city to city and even from one ZIP code to another. More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors to calculate premiums.
That’s why our experts have created this comprehensive guide to help you make smart decisions about car insurance. It also lists the cheapest car insurance carriers and rates in Pensacola.
Who offers the cheapest car insurance rates in Pensacola, Florida?
GEICO offers the cheapest state minimum car insurance in Pensacola, with an average annual cost of $548 or $46 per month. For full coverage, UAIC provides the most affordable rates, averaging $193 per year for 100/300/100 limits and $500 collision and comprehensive deductibles.
See the companies below that offer affordable car insurance to drivers in Pensacola.
| Insurance company | Annual premium |
|---|---|
| UAIC | $2,320 |
| Travelers | $2,367 |
| State Farm | $2,483 |
| GEICO | $2,514 |
| Nationwide | $2,927 |
| Mercury Insurance | $3,611 |
| Allstate | $3,911 |
| Farmers | $4,360 |
| National General | $4,410 |
| Progressive | $5,624 |
Average car insurance rates in Pensacola
According to our rate analysis, the average cost of car insurance for state minimum coverage in Pensacola is $1,046. For liability-only coverage with limits of 50/100/50, you would pay $65 more a month or $775 more a year.
You can get full coverage (100/300/100) by paying $201 more a month or an additional $2,407 a year. However, a full coverage policy is worth the extra cost because it provides added protection for your vehicle and against potential liability claims.
| Coverage type | Annual premium |
|---|---|
| State minimum | $1,046 |
| Liability only (50/100/50) | $1,821 |
| Full coverage (100/300/100, $500 ded.) | $3,453 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $3,706 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $3,237 |
| Non-owners | $803 |
Cheapest rates for drivers in Pensacola, Florida, by age
Age plays a significant role in determining car insurance rates in Pensacola. It’s one of the key factors that insurers consider when setting premiums.
Teens (ages 16 to 19) are more likely to be involved in accidents due to their lack of experience behind the wheel. According to the Centers for Disease Control and Prevention (CDC), teen drivers are more likely to be involved in fatal crashes compared to adults. The greater the risk of an accident, the higher the car insurance rates.
According to the Insurance Information Institute (Triple-I), drivers in their 40s, 50s and 60s generally pay lower car insurance premiums than teen drivers because they have significantly more driving experience.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | UAIC | $5,571 |
| Young adults (20-24) | UAIC | $3,219 |
| Adults (25-60) | UAIC | $2,339 |
| Seniors (65-75) | UAIC | $2,253 |
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How you can save on your car insurance policy
You can save an average of $3,304 annually or $275 monthly on a full coverage policy in Pensacola, Florida, by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your location, age and driving record, this shows a significant benefit to shopping for your policy.
Final thoughts: Car insurance cost in Pensacola, Florida
Shopping for a new auto insurance policy when your current one is up for renewal is the best way to secure the most affordable coverage in Pensacola, Florida. Maximize your savings by taking advantage of discounts, driving a vehicle with adequate safety features and keeping a clean driving record.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed January 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed January 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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