Buy Cheap Gulf Breeze, FL Auto Insurance (2021)

Gulf Breeze, FL auto insurance rates average $320 a month. Minimum auto insurance requirements in Gulf Breeze, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Gulf Breeze, FL, compare Gulf Breeze 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 Gulf Breeze after a DUI is Allstate
  • Average auto insurance rates in Gulf Breeze, FL after a DUI are $4,585/year
  • Average auto insurance rates in Gulf Breeze, FL are $320/month

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

See how Gulf Breeze, FL car insurance rates compare to Jacksonville auto insurance rates, Cape Coral auto insurance rates, and Orlando auto insurance rates before you read more about the cost of auto insurance in Gulf Breeze.

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

Gulf Breeze, FL Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Gulf Breeze, 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 Gulf Breeze, FL Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Gulf Breeze, Florida

Insurance Company Poor Fair Good
Allstate $8,290 $5,318 $4,358
GEICO $4,477 $2,713 $2,039
Liberty Mutual $5,615 $4,133 $3,361
Nationwide $4,482 $3,297 $2,985
Progressive $6,254 $4,457 $3,732
State Farm $3,645 $2,419 $1,999
USAA $3,869 $1,880 $1,365

Buy Cheap Gulf Breeze, FL Auto Insurance by Age, Gender, and Marital Status

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Gulf Breeze, 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 $2,421 $2,435 $2,264 $2,264 $4,344 $5,486 $2,673 $2,722
Liberty Mutual $3,042 $3,042 $2,792 $2,792 $6,369 $9,779 $3,042 $4,101
Nationwide $2,519 $2,497 $2,251 $2,333 $6,001 $7,429 $2,773 $2,900
Progressive $3,188 $3,020 $2,758 $2,947 $9,064 $9,954 $3,847 $3,735
State Farm $1,700 $1,700 $1,542 $1,542 $4,879 $6,231 $1,878 $2,026
USAA $1,377 $1,356 $1,275 $1,271 $4,648 $5,438 $1,728 $1,874

Buy Cheap Gulf Breeze, FL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Gulf Breeze, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,788 $13,919
GEICO $4,344 $5,486
Liberty Mutual $6,369 $9,779
Nationwide $6,001 $7,429
Progressive $9,064 $9,954
State Farm $4,879 $6,231
USAA $4,648 $5,438

Buy Cheap Gulf Breeze, FL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Gulf Breeze, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,184 $3,256
GEICO $2,264 $2,264
Liberty Mutual $2,792 $2,792
Nationwide $2,251 $2,333
Progressive $2,758 $2,947
State Farm $1,542 $1,542
USAA $1,275 $1,271

Find Cheap Auto Insurance Rates in Gulf Breeze, FL by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Gulf Breeze, Florida

Insurance Company Low Medium High
Allstate $4,875 $6,240 $6,850
GEICO $2,636 $3,168 $3,425
Liberty Mutual $4,035 $4,434 $4,640
Nationwide $2,911 $3,717 $4,135
Progressive $4,104 $4,918 $5,420
State Farm $2,313 $2,746 $3,003
USAA $2,102 $2,441 $2,570

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Find Cheap Gulf Breeze, FL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Gulf Breeze, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,815 $6,161
GEICO $3,061 $3,092
Liberty Mutual $4,230 $4,509
Nationwide $3,588 $3,588
Progressive $4,814 $4,814
State Farm $2,599 $2,776
USAA $2,344 $2,398

Find Cheap Gulf Breeze, FL Auto Insurance Rates by Driving Record

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

Annual Gulf Breeze, 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 $2,147 $2,740 $4,072 $3,346
Liberty Mutual $3,215 $4,110 $5,847 $4,307
Nationwide $3,084 $3,366 $4,490 $3,411
Progressive $3,803 $5,625 $4,726 $5,103
State Farm $2,464 $2,911 $2,687 $2,687
USAA $1,864 $2,291 $3,377 $1,952

Find Cheap Gulf Breeze, FL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Gulf Breeze, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,896
GEICO $4,072
Liberty Mutual $5,847
Nationwide $4,490
Progressive $4,726
State Farm $2,687
USAA $3,377

Winners by Category: Where to Buy Cheap Auto Insurance in Gulf Breeze, FL

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

Best Annual Auto Insurance Rates by Company in Gulf Breeze, 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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Find Cheap Gulf Breeze, Florida Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Gulf Breeze, Florida

Insurance Company Average Annual Rates
Allstate $5,988
GEICO $3,076
Liberty Mutual $4,370
Nationwide $3,588
Progressive $4,814
State Farm $2,687
USAA $2,371

What affects Gulf Breeze, Florida auto insurance rates?

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

Auto Theft in Gulf Breeze

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Gulf Breeze, FL auto theft show a total of 2 vehicle thefts annually.

Commute Times in Gulf Breeze

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Gulf Breeze, FL is 21.7 minutes according to City-Data.

Compare Auto Insurance Quotes in Gulf Breeze, FL

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

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