Compare Santa Rosa Beach, FL Car Insurance Rates [2023]
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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Written by
Laura Berry |
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Reviewed by
Joel Ohman
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UPDATED: Jun 22, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
|
Written by
Laura Berry |
|
Reviewed by
Joel Ohman
|