Cheap Car Insurance Pensacola | Cheapest Quotes Pensacola, FL

Cheap Car Insurance Pensacola

Get a Quote

cheap car insurance PensacolaPensacola is the westernmost city in the Florida Panhandle and has many nicknames. “The City of Five Flags”, “World’s Whitest Beaches” “Cradle of Naval Aviation”, “Western Gate to the Sunshine State”, “America’s First Settlement”, “Emerald Coast”, “Red Snapper Capital of the World”, and “P-Cola”. The main campus of the University of West Florida is situated north of the city center, and it is the base of the Blue Angels flight demonstration team and the National Naval Aviation Museum. The city is located on the north side of Pensacola Bay, 59 miles east of Mobile, Alabama, and 196 miles west of Tallahassee, the capital of Florida. Pensacola’s location makes it vulnerable to hurricanes. Hurricane Ivan in 2004 caused over $6 billion in damages and more than 10,000 homes were destroyed. The cost of living in Pensacola is 4% lower than the Florida average, and 5% lower than the national average. The overall crime rate in Pensacola is 83% higher than the national average, and has not changed in the past few years. Statistics and risk of natural disaster can make your auto insurance costs higher. This makes it very important to understand all the options for cheap car insurance Pensacola has to offer, as well as any discounts you can qualify for.

Cheap Car Insurance In Pensacola


  • cheap car insurance Pensacola 2Florida state is a “no-fault,” meaning that an individual’s insurance company covers their losses regardless of fault.
  • Florida requires a minimum of $10,000 for Personal Injury Protection.
  • Florida also requires a minimum of $10,000 Property Damage Liability.
  • Driving without insurance in Florida can result in a suspension of your registration or driving privileges, and a reinstatement fee of between $150 and $500, plus the cost of insurance.
  • Keep your mileage low. Most insurance companies take your annual mileage into account when calculating your rates. After all, the more you drive the better your chances of getting into an accident. If you can carpool, bike, or take public transportation to work, it’s worth considering. You might save a lot on your auto insurance.

Public Transportation In Pensacola

cheap car insurance Pensacola 3There is 1 airport and 1 Amtrak train stations within 30 miles of the Pensacola city center, and the average travel time to work in Pensacola is 22% lower than the national average. The number of people who take public transportation in Pensacola is 86% lower than the national average. However, the number of people who carpool to work in Pensacola is 22% higher than the national average. Carpooling is a great option if you live in Pensacola and commute every day. You  can lower your auto insurance rates by decreasing your yearly mileage, which will help you qualify for the low mileage.


Have questions about auto insurance in your state? Want a quote for car insurance? Start with your zipcode for a fast, free quote.

OR speak to an agent:


(844) 334-6206