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

  • The cheapest car insurance company in Santa Rosa Beach after a DUI is State Farm
  • The cheapest car insurance company in Santa Rosa Beach for teen drivers is GEICO
  • Average car insurance rates in Santa Rosa Beach, FL for senior drivers are $2,228/year

Average car insurance rates in Santa Rosa Beach, Florida are $306 a month. But with a little research you can get a great deal from the top car insurance companies in Santa Rosa Beach, FL. Before you buy Santa Rosa Beach, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

It may even be helpful to compare Santa Rosa Beach car insurance rates with Hialeah car insurance rates, Port St. Lucie car insurance rates, or Cape Coral car insurance rates to make sure you’re getting the best Santa Rosa Beach, FL car insurance quotes available.

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

Santa Rosa Beach, FL Minimum Car Insurance Coverage

Santa Rosa Beach, 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 Santa Rosa Beach, 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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Santa Rosa Beach, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Santa Rosa Beach, Florida

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

Santa Rosa Beach, FL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Santa Rosa Beach, 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 $2,286 $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

Santa Rosa Beach, FL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Santa Rosa Beach, Florida

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

Santa Rosa Beach, FL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Santa Rosa Beach, Florida

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

Santa Rosa Beach, FL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Santa Rosa Beach, Florida

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

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Santa Rosa Beach, FL Car Insurance Rates by Driver History

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

Annual Santa Rosa Beach, 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 $2,031 $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

Santa Rosa Beach, FL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Santa Rosa Beach, Florida

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

Santa Rosa Beach, FL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Santa Rosa Beach, Florida

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

Santa Rosa Beach, FL Cheapest Car Insurance Rates

How do the top Santa Rosa Beach, Florida car insurance companies’ average rates stack up against the Santa Rosa Beach average monthly car insurance rates of $306? Take a look and see.

Best Annual Car Insurance Rates by Company in Santa Rosa Beach, Florida

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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Santa Rosa Beach, FL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Santa Rosa Beach, Florida

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

Santa Rosa Beach, FL Car Insurance Quotes

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