Best Santa Rosa Beach, FL Car Insurance in 2025
Car insurance in Santa Rosa Beach, FL averages $306 a month. Santa Rosa Beach, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Santa Rosa Beach car insurance rates, compare quotes from the top car insurance companies in Santa Rosa Beach, FL.
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Table of Contents
Table of Contents
Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Rachel Bodine
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Michelle Robbins
Updated December 2025
- Average car insurance rates in Santa Rosa Beach, FL are $3,675/year
- Average car insurance rates in Santa Rosa Beach, FL after a DUI are $4,411/year
- The cheapest car insurance company in Santa Rosa Beach is USAA
If you need to buy Santa Rosa Beach, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Santa Rosa Beach, FL is right here.
You’ll find Santa Rosa Beach car insurance rates, the cheapest Santa Rosa Beach, FL car insurance companies, and information on Florida car insurance laws. You can also compare Santa Rosa Beach, Florida car insurance rates to Miami car insurance rates, St. Petersburg car insurance rates, and Tallahassee car insurance rates.
Ready to find affordable Santa Rosa Beach, FL car insurance today? Enter your ZIP code for fast, free Santa Rosa Beach car insurance quotes.
Cheapest Santa Rosa Beach, FL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Santa Rosa Beach, FL car insurance rates? Every Santa Rosa Beach, Florida car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,676 | $3,548 | $3,198 | $3,271 | $12,757 | $13,874 | $3,778 | $3,870 |
| Geico | $2,286 | $2,299 | $2,138 | $2,138 | $4,090 | $5,166 | $2,523 | $2,571 |
| Liberty Mutual | $3,180 | $3,180 | $2,916 | $2,916 | $6,699 | $10,304 | $3,180 | $4,300 |
| Nationwide | $2,269 | $2,254 | $2,028 | $2,105 | $5,349 | $6,638 | $2,497 | $2,618 |
| Progressive | $2,686 | $2,552 | $2,327 | $2,487 | $7,289 | $8,005 | $3,216 | $3,140 |
| State Farm | $1,624 | $1,624 | $1,472 | $1,472 | $4,615 | $5,910 | $1,791 | $1,936 |
| USAA | $1,475 | $1,457 | $1,357 | $1,360 | $4,848 | $5,699 | $1,851 | $2,013 |
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Minimum Car Insurance in Santa Rosa Beach, FL
Every driver must carry the minimum car insurance in Santa Rosa Beach, FL. Take a look at the Florida car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $10,000 per person $20,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Santa Rosa Beach, FL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Santa Rosa Beach, FL. Compare credit history car insurance rates in Santa Rosa Beach from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,309 | $5,321 | $4,360 |
| Geico | $4,214 | $2,561 | $1,930 |
| Liberty Mutual | $5,900 | $4,335 | $3,519 |
| Nationwide | $4,015 | $2,960 | $2,684 |
| Progressive | $5,194 | $3,652 | $3,042 |
| State Farm | $3,449 | $2,305 | $1,913 |
| USAA | $4,114 | $1,978 | $1,431 |
Cheapest Santa Rosa Beach, FL Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Santa Rosa Beach, FL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,177 | $6,164 | $6,896 | $5,750 |
| Geico | $2,031 | $2,587 | $3,835 | $3,154 |
| Liberty Mutual | $3,357 | $4,308 | $6,157 | $4,517 |
| Nationwide | $2,778 | $3,025 | $4,011 | $3,065 |
| Progressive | $3,154 | $4,611 | $3,889 | $4,197 |
| State Farm | $2,347 | $2,764 | $2,556 | $2,556 |
| USAA | $1,990 | $2,425 | $3,535 | $2,079 |
Cheapest Santa Rosa Beach, FL Car Insurance for Teen Drivers
Teen car insurance in Santa Rosa Beach, FL can be expensive. Take a look at rates from the top car insurance companies in Santa Rosa Beach for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,757 | $13,874 |
| Geico | $4,090 | $5,166 |
| Liberty Mutual | $6,699 | $10,304 |
| Nationwide | $5,349 | $6,638 |
| Progressive | $7,289 | $8,005 |
| State Farm | $4,615 | $5,910 |
| USAA | $4,848 | $5,699 |
Cheapest Santa Rosa Beach, FL Car Insurance for Seniors
Take a look at Santa Rosa Beach, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,198 | $3,271 |
| Geico | $2,138 | $2,138 |
| Liberty Mutual | $2,916 | $2,916 |
| Nationwide | $2,028 | $2,105 |
| Progressive | $2,327 | $2,487 |
| State Farm | $1,472 | $1,472 |
| USAA | $1,357 | $1,360 |
Cheapest Santa Rosa Beach, FL Car Insurance Rates After a DUI
A DUI in Santa Rosa Beach, FL increases car insurance rates. Compare Santa Rosa Beach, Florida DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,896 |
| Geico | $3,835 |
| Liberty Mutual | $6,157 |
| Nationwide | $4,011 |
| Progressive | $3,889 |
| State Farm | $2,556 |
| USAA | $3,535 |
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Cheapest Santa Rosa Beach, FL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Santa Rosa Beach, FL by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,822 | $6,171 |
| Geico | $2,887 | $2,916 |
| Liberty Mutual | $4,437 | $4,732 |
| Nationwide | $3,220 | $3,220 |
| Progressive | $3,963 | $3,963 |
| State Farm | $2,473 | $2,638 |
| USAA | $2,479 | $2,536 |
The Best Cheap Car Insurance Companies in Santa Rosa Beach, FL
Take a look at a side-by-side comparison of the top car insurance companies in Santa Rosa Beach, FL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,997 |
| Geico | $2,902 |
| Liberty Mutual | $4,584 |
| Nationwide | $3,220 |
| Progressive | $3,963 |
| State Farm | $2,556 |
| USAA | $2,507 |
Category Winners: Cheapest Car Insurance in Santa Rosa Beach, Florida
Find the cheapest car insurance companies in Santa Rosa Beach, FL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Cheapest Santa Rosa Beach, FL Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Santa Rosa Beach car insurance rates. Find the cheapest Santa Rosa Beach, FL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,884 | $6,248 | $6,858 |
| Geico | $2,482 | $2,984 | $3,238 |
| Liberty Mutual | $4,233 | $4,653 | $4,867 |
| Nationwide | $2,603 | $3,337 | $3,719 |
| Progressive | $3,505 | $4,031 | $4,353 |
| State Farm | $2,202 | $2,610 | $2,856 |
| USAA | $2,218 | $2,581 | $2,722 |
Compare Car Insurance Quotes in Santa Rosa Beach, FL
Ready to find affordable Santa Rosa Beach, Florida car insurance today? Enter your ZIP code for fast, free Santa Rosa Beach, FL car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Santa Rosa Beach, FL?
The average monthly rate is $306.
What are the car insurance requirements in Santa Rosa Beach, FL?
The requirements are 10/20/10, meaning $10,000 per person for bodily injury, $20,000 per accident for bodily injury, and $10,000 for property damage liability.
How do age, gender, and marital status affect car insurance rates in Santa Rosa Beach, FL?
Different companies weigh these factors differently, so it’s best to compare rates.
What is the minimum car insurance requirement in Santa Rosa Beach, FL?
The minimum requirement is 10/20/10.
How does my driving record affect car insurance rates in Santa Rosa Beach, F
Your driving record is a significant factor. Compare rates for bad driving records and clean records.
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