Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Niceville, FL are $304/month
  • The cheapest car insurance company in Niceville after a DUI is State Farm
  • The cheapest car insurance company in Niceville for teen drivers is USAA

Average car insurance rates in Niceville, Florida are $304 a month. But with a little research you can get a great deal from the top car insurance companies in Niceville, FL. Before you buy Niceville, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

It may even be helpful to compare Niceville car insurance rates with St. Petersburg car insurance rates, Orlando car insurance rates, or Fort Lauderdale car insurance rates to make sure you’re getting the best Niceville, FL car insurance quotes available.

Need affordable Niceville, FL car insurance? Enter your ZIP code to compare Niceville car insurance quotes from multiple car insurance companies near you.

Niceville, FL Minimum Car Insurance Coverage

Niceville, Florida law requires drivers carry a minimum of 10/20/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Niceville, Florida

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

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Niceville, FL Car Insurance Rates by Coverage Level

Some Niceville drivers can get by with the Florida minimum coverage of 10/20/10. Other drivers may need more. See how much your Niceville, Florida car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Niceville, Florida

Insurance Company Low Medium High
Allstate $4,875 $6,240 $6,850
GEICO $2,726 $3,307 $3,586
Liberty Mutual $3,941 $4,315 $4,512
Nationwide $2,709 $3,451 $3,836
Progressive $3,709 $4,328 $4,705
State Farm $2,202 $2,610 $2,856
USAA $1,754 $2,043 $2,154

Niceville, FL Car Insurance Rates by Age, Gender, and Marital Status

Niceville, Florida car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Niceville, FL car insurance, get quotes from multiple car insurance companies in the Niceville area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Niceville, Florida

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 $3,656 $3,526 $3,184 $3,256 $12,788 $13,919 $3,746 $3,832
GEICO $2,514 $2,526 $2,353 $2,353 $4,542 $5,757 $2,776 $2,830
Liberty Mutual $2,968 $2,968 $2,725 $2,725 $6,197 $9,506 $2,968 $3,993
Nationwide $2,342 $2,326 $2,092 $2,172 $5,550 $6,890 $2,579 $2,704
Progressive $2,833 $2,694 $2,459 $2,625 $7,909 $8,703 $3,412 $3,342
State Farm $1,624 $1,624 $1,472 $1,472 $4,615 $5,910 $1,791 $1,936
USAA $1,169 $1,153 $1,084 $1,083 $3,837 $4,491 $1,464 $1,589

Niceville, FL Car Insurance Rates for Teens

How much is Niceville, Florida car insurance for teens? Compare rates from top Niceville car insurance companies below to help find the cheapest teen car insurance in Niceville, FL.

Annual Car Insurance Rates for Teen Drivers in Niceville, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,788 $13,919
GEICO $4,542 $5,757
Liberty Mutual $6,197 $9,506
Nationwide $5,550 $6,890
Progressive $7,909 $8,703
State Farm $4,615 $5,910
USAA $3,837 $4,491

Niceville, FL Car Insurance Rates for Seniors

Before seniors buy Niceville, Florida car insurance, they should make sure to shop around. Some Niceville, FL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Niceville, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,184 $3,256
GEICO $2,353 $2,353
Liberty Mutual $2,725 $2,725
Nationwide $2,092 $2,172
Progressive $2,459 $2,625
State Farm $1,472 $1,472
USAA $1,084 $1,083

Niceville, FL Car Insurance Rates by Credit History

How does your credit history affect Niceville, FL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Niceville, Florida

Insurance Company Poor Fair Good
Allstate $8,290 $5,318 $4,358
GEICO $4,677 $2,825 $2,117
Liberty Mutual $5,464 $4,027 $3,278
Nationwide $4,156 $3,063 $2,777
Progressive $5,535 $3,924 $3,282
State Farm $3,449 $2,305 $1,913
USAA $3,217 $1,579 $1,155

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Niceville, FL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Niceville, Florida car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Niceville.

Annual Niceville, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,162 $6,155 $6,896 $5,740
GEICO $2,233 $2,854 $4,249 $3,488
Liberty Mutual $3,151 $4,009 $5,670 $4,196
Nationwide $2,871 $3,129 $4,156 $3,171
Progressive $3,371 $4,951 $4,167 $4,500
State Farm $2,347 $2,764 $2,556 $2,556
USAA $1,571 $1,918 $2,802 $1,643

Niceville, FL Car Insurance Rates With a DUI

Even a single DUI can increase your Niceville, FL car insurance rates. Compare rates below to see which Niceville car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Niceville, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,896
GEICO $4,249
Liberty Mutual $5,670
Nationwide $4,156
Progressive $4,167
State Farm $2,556
USAA $2,802

Niceville, FL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Niceville, FL car insurance rates may be. Let’s take a look at average car insurance rates from top Niceville companies based on commute time.

Annual Car Insurance Rates by Commute Length in Niceville, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,815 $6,161
GEICO $3,190 $3,222
Liberty Mutual $4,121 $4,391
Nationwide $3,332 $3,332
Progressive $4,247 $4,247
State Farm $2,473 $2,638
USAA $1,961 $2,006

Niceville, FL Cheapest Car Insurance Rates

How do the top Niceville, Florida car insurance companies’ average rates stack up against the Niceville average monthly car insurance rates of $304? Take a look and see.

Best Annual Car Insurance Rates by Company in Niceville, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Niceville, FL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Niceville, Florida car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Niceville, Florida

Insurance Company Average Annual Rates
Allstate $5,988
GEICO $3,206
Liberty Mutual $4,256
Nationwide $3,332
Progressive $4,247
State Farm $2,556
USAA $1,984

Other Factors Affecting Niceville, FL Car Insurance Rates

Before you buy Niceville, Florida car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Niceville, FL Car Theft Rates

The car theft rate in Niceville, FL will affect your car insurance rates. FBI data shows that the annual car theft rate for Niceville, Florida is 6 stolen cars.

Niceville, FL Commute Time

How does your Niceville, FL commute time compare with the average driver? In Niceville, the average commute is 22.2 minutes.

Niceville, FL Car Insurance Quotes

Compare Niceville, FL car insurance quotes from multiple companies by entering your ZIP code now.