Pensacola Car Insurance

Find the right car insurance policy for you.


Pensacola is the westernmost city in the Florida panhandle, known for the world’s whitest beaches and a charming historic downtown. Tourists flock to Pensacola throughout the year to enjoy the coastal scenery, causing traffic to become a major problem at times. If you live in this area, you can’t afford to skimp on Pensacola car insurance. 

Independent Insurance Agents take a personalized approach to auto insurance, by providing one-on-one support to every driver who is searching for affordable coverage options. Our caring agents will help you compare quotes, navigate coverages, and select the car insurance policy that will best protect your vehicle from common Pensacola roadway threats. 

  • National Average Cost Per Year: $1,311
  • Florida Average Cost Per Year: $1,742
  • #5 Most Expensive Auto Premium in the U.S.

Florida’s car insurance rates rank among the highest in the United States, causing financial stress for many drivers on a tight budget. Finding affordable coverage might take some homework, but our independent agents can help. Our friendly agents provide free customized rate quotes from multiple policies, giving you a chance to compare prices before you decide which policy is right for you. 

Florida Car Insurance Requirements

  • Body Injury Liability: Required
  • Property Damage Reliability: Required
  • Personal Injury Protection (PIP):  Required
  • Minimum Liability Limits: 10/20/10

Florida requires all drivers to purchase car insurance. Minimum coverage limits are $10,000 for individual injuries, $20,000 for total persons injured in an accident, and $10,000 for any resulting property damage. These minimums were implemented to reduce the financial burden of car accidents, but remember that you always have the option to purchase additional coverage. Realistically, a serious accident will likely far exceed the minimum required coverage, leaving you to pay the rest out of pocket. By investing in more auto insurance coverage upfront, you will see major savings if you ever wind up a major collision in Pensacola. 


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Number of Uninsured Motorists in Florida

  • How many US drivers are uninsured: 12.6%
  • How many Florida drivers are uninsured: 23.8%

With nearly one-fourth of Florida’s drivers neglecting to purchase auto insurance, it’s more important than ever before to choose a policy that includes uninsured motorist coverage. Then if you get into an accident with an uninsured driver at fault, you won’t have to pay for your own repairs out of pocket. This policy is well worth every penny in the long run, offering serious savings after even a small accident with a driver that is uninsured or underinsured. 

Number of Auto Thefts in Florida

  • National Number of Thefts for 1,000 Vehicles: 2.94
  • Number of Thefts for 1,000 Vehicles in Florida: 2.48

Auto theft is a fairly common problem in Florida, but most drivers never stop to consider this risk until it’s too late. As you shop for a car insurance plan in Pensacola, make sure you choose a policy that covers auto theft. Then if your car gets stolen, you can file a police report and a claim with your insurance provider. With this coverage, you’ll receive compensation for the stolen car so you can get back on the road quickly without relying on local police to track down your vehicle. 

Find a Great Pensacola Car Insurance Policy

Navigating the maze of car insurance options in Pensacola can get overwhelming, but our independent insurance agents can help. Our experienced agents will take the time to help you understand all of your options, helping you design a customized auto insurance plan that will best protect your vehicle. They specialize in helping Pensacola drivers find the best rates on auto insurance. If you’re ready to see major savings on your annual premium, contact an agent today to get a free rate quote on Pensacola auto insurance. 

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