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 Panama City, FL are $314/month
  • The annual number of car thefts in Panama City is 260.
  • Average car insurance rates in Panama City, FL for senior drivers are $2,287/year

Average car insurance rates in Panama City, Florida are $314 a month. But with a little research you can get a great deal from the top car insurance companies in Panama City, FL. Before you buy Panama City, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

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

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

Panama City, FL Minimum Car Insurance Coverage

Panama City, 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 Panama City, 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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Panama City, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Panama City, Florida

Insurance Company Low Medium High
Allstate $4,884 $6,248 $6,858
GEICO $2,796 $3,433 $3,744
Liberty Mutual $4,028 $4,411 $4,611
Nationwide $2,747 $3,501 $3,893
Progressive $3,854 $4,525 $4,934
State Farm $2,393 $2,838 $3,095
USAA $1,877 $2,216 $2,346

Panama City, FL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Panama City, 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 $3,676 $3,548 $3,198 $3,271 $12,757 $13,874 $3,778 $3,870
GEICO $2,616 $2,626 $2,450 $2,450 $4,710 $5,930 $2,884 $2,928
Liberty Mutual $3,029 $3,029 $2,780 $2,780 $6,339 $9,731 $3,029 $4,083
Nationwide $2,368 $2,349 $2,115 $2,194 $5,660 $7,017 $2,609 $2,732
Progressive $2,958 $2,799 $2,560 $2,738 $8,310 $9,129 $3,547 $3,461
State Farm $1,741 $1,741 $1,576 $1,576 $5,072 $6,487 $1,929 $2,081
USAA $1,256 $1,238 $1,170 $1,165 $4,190 $4,879 $1,572 $1,701

Panama City, FL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Panama City, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,757 $13,874
GEICO $4,710 $5,930
Liberty Mutual $6,339 $9,731
Nationwide $5,660 $7,017
Progressive $8,310 $9,129
State Farm $5,072 $6,487
USAA $4,190 $4,879

Panama City, FL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Panama City, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,198 $3,271
GEICO $2,450 $2,450
Liberty Mutual $2,780 $2,780
Nationwide $2,115 $2,194
Progressive $2,560 $2,738
State Farm $1,576 $1,576
USAA $1,170 $1,165

Panama City, FL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Panama City, Florida

Insurance Company Poor Fair Good
Allstate $8,309 $5,321 $4,360
GEICO $4,855 $2,927 $2,191
Liberty Mutual $5,589 $4,114 $3,347
Nationwide $4,217 $3,107 $2,817
Progressive $5,774 $4,104 $3,435
State Farm $3,780 $2,493 $2,052
USAA $3,485 $1,709 $1,246

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Panama City, FL Car Insurance Rates by Driver History

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

Annual Panama City, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,177 $6,164 $6,896 $5,750
GEICO $2,309 $2,957 $4,413 $3,619
Liberty Mutual $3,193 $4,089 $5,831 $4,286
Nationwide $2,907 $3,171 $4,229 $3,215
Progressive $3,516 $5,179 $4,352 $4,704
State Farm $2,541 $3,010 $2,775 $2,775
USAA $1,693 $2,076 $3,044 $1,773

Panama City, FL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Panama City, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,896
GEICO $4,413
Liberty Mutual $5,831
Nationwide $4,229
Progressive $4,352
State Farm $2,775
USAA $3,044

Panama City, FL Car Insurance Rates by ZIP Code

Just like Panama City car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Panama City, FL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Panama City, Florida

ZIP Code Average Annual Rates
32401 $2,919
32409 $2,919

Panama City, FL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Panama City, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,822 $6,171
GEICO $3,308 $3,341
Liberty Mutual $4,211 $4,489
Nationwide $3,380 $3,380
Progressive $4,438 $4,438
State Farm $2,682 $2,868
USAA $2,122 $2,171

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Panama City, FL Cheapest Car Insurance Rates

How do the top Panama City, Florida car insurance companies’ average rates stack up against the Panama City average monthly car insurance rates of $314? Take a look and see.

Best Annual Car Insurance Rates by Company in Panama City, 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

Panama City, FL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Panama City, Florida

Insurance Company Average Annual Rates
Allstate $5,997
GEICO $3,324
Liberty Mutual $4,350
Nationwide $3,380
Progressive $4,438
State Farm $2,775
USAA $2,147

Other Factors Affecting Panama City, FL Car Insurance Rates

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

Panama City, FL Car Theft Rates

The car theft rate in Panama City, FL will affect your car insurance rates. FBI data shows that the annual car theft rate for Panama City, Florida is 260 stolen cars.

Panama City, FL Commute Time

How does your Panama City, FL commute time compare with the average driver? In Panama City, the average commute is 20.3 minutes.

Panama City, FL Traffic

Spending time in Panama City traffic can lead to higher car insurance rates. According to INRIX data, Panama City, FL ranks as the 336th-most congested with traffic in the world.

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Panama City, FL Car Insurance Quotes

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