Best Destin, FL Car Insurance in 2024
Car insurance in Destin, FL averages $304 a month. Destin, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Destin car insurance rates, compare quotes from the top car insurance companies in Destin, FL.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Destin, FL are $3,654/year
- The cheapest car insurance company in Destin is USAA
- The cheapest car insurance company in Destin for teen drivers is USAA
If you need to buy Destin, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Destin, FL is right here.
You’ll find Destin car insurance rates, the cheapest Destin, FL car insurance companies, and information on Florida car insurance laws. You can also compare Destin, Florida car insurance rates to Port St. Lucie car insurance rates, Tampa car insurance rates, and Cape Coral car insurance rates.
Ready to find affordable Destin, FL car insurance today? Enter your ZIP code for fast, free Destin car insurance quotes.
Cheapest Destin, FL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Destin, FL car insurance rates? Every Destin, Florida car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,514 | $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 |
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Minimum Car Insurance in Destin, FL
Every driver must carry the minimum car insurance required by the state in Destin, FL. Take a look at the Florida car insurance requirements.
| 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 |
Cheapest Destin, FL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Destin, FL. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Destin from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,309 | $5,321 | $4,360 |
| 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 |
Cheapest Destin, FL Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Destin, FL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,177 | $6,164 | $6,896 | $5,750 |
| 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 |
Cheapest Destin, FL Car Insurance for Teen Drivers
Teen car insurance in Destin, FL can be expensive. Take a look at rates from the top car insurance companies in Destin for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,757 | $13,874 |
| 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 |
Cheapest Destin, FL Car Insurance for Seniors
Take a look at Destin, FL rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,198 | $3,271 |
| 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 |
Cheapest Destin, FL Car Insurance Rates After a DUI
A DUI in Destin, FL increases car insurance rates. Compare Destin, Florida car insurance after a DUI by the company to find the cheapest option.
| 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 |
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Cheapest Destin, FL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Destin, FL by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,822 | $6,171 |
| 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 |
The Best Cheap Car Insurance Companies in Destin, FL
Take a look at a side-by-side comparison of the top car insurance companies in Destin, FL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,997 |
| Geico | $3,206 |
| Liberty Mutual | $4,256 |
| Nationwide | $3,332 |
| Progressive | $4,247 |
| State Farm | $2,556 |
| USAA | $1,984 |
Category Winners: Cheapest Car Insurance in Destin, Florida
Find the cheapest car insurance companies in Destin, FL for each category right here.
| 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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Cheapest Destin, FL Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Destin car insurance rates. Find the cheapest Destin, FL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,884 | $6,248 | $6,858 |
| 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 |
What affects car insurance rates in Destin, Florida?
What are the factors that affect car insurance rates in Destin, FL? There are several reasons why Destin car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Destin, Florida.
Commute Time in Destin
The more time you spend in your car the higher the risk of an accident. The average commute length in Destin, FL is 20.3 minutes according to City-Data.
Compare Car Insurance Quotes in Destin, FL
Ready to find affordable Destin, Florida car insurance today? Enter your ZIP code for fast, free Destin, FL car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
Can my credit score affect my car insurance rates in Destin, FL?
Yes, in Destin, FL, as in many other states, insurance providers may consider your credit score when determining car insurance rates. A higher credit score is generally associated with lower insurance rates, as it is often seen as an indicator of responsible financial behavior.
Are there any specific requirements for car insurance proof in Destin, FL?
Yes, in Destin, FL, you are required to carry proof of car insurance while driving. Acceptable forms of proof include insurance ID cards provided by your insurance company, digital proof displayed on a mobile device, or a paper copy of your insurance policy declaration page.
What types of car insurance coverage should I consider in Destin, FL?
In Destin, FL, it’s generally recommended to consider liability coverage (bodily injury and property damage), uninsured/underinsured motorist coverage, personal injury protection (PIP), and optional coverages like comprehensive and collision coverage. The specific coverage you need depends on your circumstances and preferences.
Can I customize my car insurance coverage in Destin, FL?
Yes, many insurance providers in Destin, FL allow you to customize your car insurance coverage based on your specific needs. You can often choose deductibles, coverage limits, and additional optional coverages to tailor the policy to your requirements.
Are there any discounts available for car insurance in Destin, FL?
Yes, many car insurance companies offer various discounts that can help lower your premiums. These discounts may include safe driver discounts, good student discounts, multi-policy discounts, discounts for anti-theft devices or safety features in your vehicle, and discounts for completing defensive driving courses. Inquire about available discounts when comparing rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.