Buy Cheap Fort Walton Beach, FL Auto Insurance (2021)

Fort Walton Beach, FL auto insurance rates average $304 a month. Minimum auto insurance requirements in Fort Walton Beach, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Fort Walton Beach, FL, compare Fort Walton Beach auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Fort Walton Beach is Allstate
  • Average auto insurance rates in Fort Walton Beach, FL for teens drivers are $6,491/year
  • Average auto insurance rates in Fort Walton Beach, FL after a DUI are $4,356/year

Finding affordable Fort Walton Beach, Florida auto insurance can be challenging, but everything you need to know to buy cheap Fort Walton Beach, FL auto insurance with confidence is right here. Auto insurance rates in Fort Walton Beach are affected by local factors as well as personal ones like your driving record.

See how Fort Walton Beach, FL car insurance rates compare to St. Petersburg auto insurance rates, Hialeah auto insurance rates, and Cape Coral auto insurance rates before you read more about the cost of auto insurance in Fort Walton Beach.

Don’t buy Fort Walton Beach, FL auto insurance until you’ve compared rates. Get free Fort Walton Beach, Florida auto insurance quotes when you enter your ZIP code above.

Fort Walton Beach, FL Minimum Auto Insurance Requirements

The required auto insurance in Fort Walton Beach, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Fort Walton Beach, Florida is outlined here.

Minimum Required Auto Insurance Coverage in Fort Walton 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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Find Cheap Fort Walton Beach, FL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Fort Walton Beach, FL. Take a look at Fort Walton Beach, Florida auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Fort Walton Beach, 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

Buy Cheap Fort Walton Beach, FL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Fort Walton Beach, Florida auto insurance rates? Find out how car insurance rates in Fort Walton Beach, FL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Fort Walton 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 $3,656 $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

Buy Cheap Fort Walton Beach, FL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Fort Walton Beach can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Fort Walton Beach, FL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Fort Walton Beach, 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

Buy Cheap Fort Walton Beach, FL Auto Insurance for Seniors

You can save on senior auto insurance rates in Fort Walton Beach, Florida by comparing Fort Walton Beach senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Fort Walton Beach, FL here.

Annual Auto Insurance Rates for Senior Drivers in Fort Walton Beach, 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

Find Cheap Auto Insurance Rates in Fort Walton Beach, FL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Fort Walton Beach, Florida auto insurance. Compare Fort Walton Beach, FL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Fort Walton Beach, 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

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Find Cheap Fort Walton Beach, FL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Fort Walton Beach. Compare auto insurance rates in Fort Walton Beach, FL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Fort Walton Beach, 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

Find Cheap Fort Walton Beach, FL Auto Insurance Rates by ZIP Code

Auto insurance rates in Fort Walton Beach, Florida can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Fort Walton Beach, FL to see how much where you live in Fort Walton Beach affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Fort Walton Beach, Florida

ZIP Code Average Annual Rates
32547 $2,835
32548 $2,835

Find Cheap Fort Walton Beach, FL Auto Insurance Rates by Driving Record

Auto insurance rates in Fort Walton Beach, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Fort Walton Beach, FL, take a look at the average cost for various violations versus rates for a clean driving record in Fort Walton Beach.

Annual Fort Walton Beach, Florida Auto 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

Find Cheap Fort Walton Beach, FL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Fort Walton Beach, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Fort Walton Beach for less when you shop around and compare rates from multiple Fort Walton Beach, FL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Fort Walton Beach, Florida

Insurance Company Annual Auto 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

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Winners by Category: Where to Buy Cheap Auto Insurance in Fort Walton Beach, FL

Compare rates from the cheapest auto insurance companies in Fort Walton Beach, FL for your needs. Take a look at how Fort Walton Beach, Florida auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Fort Walton Beach, 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

Find Cheap Fort Walton Beach, Florida Auto Insurance Companies

If you’re looking for the cheapest Fort Walton Beach, FL auto insurance companies overall, you can compare them here. Find the best price for Fort Walton Beach, Florida car insurance by company.

Average Annual Auto Insurance Rates by Company in Fort Walton Beach, 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

What affects Fort Walton Beach, Florida auto insurance rates?

Local factors affect auto insurance rates in Fort Walton Beach, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Fort Walton Beach auto insurance rates.

Auto Theft in Fort Walton Beach

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Fort Walton Beach, FL auto theft show a total of 58 vehicle thefts annually.

Commute Times in Fort Walton Beach

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Fort Walton Beach, FL is 20.5 minutes according to City-Data.

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Compare Auto Insurance Quotes in Fort Walton Beach, FL

You can buy cheap Fort Walton Beach, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Fort Walton Beach, Florida auto insurance quotes from top companies.

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