Best Gulf Breeze, FL Car Insurance in 2024
Car insurance in Gulf Breeze, FL averages $320 a month. Gulf Breeze, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Gulf Breeze car insurance rates, compare quotes from the top car insurance companies in Gulf Breeze, FL.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
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 Gulf Breeze, FL are $3,842/year
- Average car insurance rates in Gulf Breeze, FL after a DUI are $4,585/year
- The cheapest car insurance company in Gulf Breeze is USAA
If you need to buy Gulf Breeze, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Gulf Breeze, FL is right here.
You’ll find Gulf Breeze car insurance rates, the cheapest Gulf Breeze, FL car insurance companies, and information on Florida car insurance laws. You can also compare Gulf Breeze, Florida car insurance rates to Hialeah car insurance rates, Port St. Lucie car insurance rates, and Fort Lauderdale car insurance rates.
Ready to find affordable Gulf Breeze, FL car insurance today? Enter your ZIP code for fast, free Gulf Breeze car insurance quotes.
Cheapest Gulf Breeze, FL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Gulf Breeze, FL car insurance rates? Every Gulf Breeze, 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 | $3,656 | $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 |
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Minimum Car Insurance in Gulf Breeze, FL
Every driver must carry the minimum car insurance required by the state in Gulf Breeze, 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 Gulf Breeze, FL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Gulf Breeze, FL. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Gulf Breeze from top companies for good, fair, and poor credit.
| 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 |
Cheapest Gulf Breeze, 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 Gulf Breeze, FL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,162 | $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 |
Cheapest Gulf Breeze, FL Car Insurance for Teen Drivers
Teen car insurance in Gulf Breeze, FL can be expensive. Take a look at rates from the top car insurance companies in Gulf Breeze for teenagers.
| 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 |
Cheapest Gulf Breeze, FL Car Insurance for Seniors
Take a look at Gulf Breeze, 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 | $3,184 | $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 |
Cheapest Gulf Breeze, FL Car Insurance Rates After a DUI
A DUI in Gulf Breeze, FL increases car insurance rates. Compare Gulf Breeze, 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 | $4,072 |
| Liberty Mutual | $5,847 |
| Nationwide | $4,490 |
| Progressive | $4,726 |
| State Farm | $2,687 |
| USAA | $3,377 |
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Cheapest Gulf Breeze, FL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Gulf Breeze, 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 | $5,815 | $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 |
The Best Cheap Car Insurance Companies in Gulf Breeze, FL
Take a look at a side-by-side comparison of the top car insurance companies in Gulf Breeze, FL to find the best option for your needs.
| 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 |
Category Winners: Cheapest Car Insurance in Gulf Breeze, Florida
Find the cheapest car insurance companies in Gulf Breeze, FL for each category right here.
| 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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Cheapest Gulf Breeze, FL Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Gulf Breeze car insurance rates. Find the cheapest Gulf Breeze, FL car insurance rates by coverage level.
| 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 |
What affects car insurance rates in Gulf Breeze, Florida?
What are the factors that affect car insurance rates in Gulf Breeze, FL? There are several reasons why Gulf Breeze car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Gulf Breeze, Florida.
Car Theft in Gulf Breeze
High levels of vehicle theft can make car insurance more expensive. Gulf Breeze, FL car theft statistics from the FBI indicate 2 vehicle thefts a year.
Commute Time in Gulf Breeze
The more time you spend in your car the higher the risk of an accident. The average commute length in Gulf Breeze, FL is 21.7 minutes according to City-Data.
Compare Car Insurance Quotes in Gulf Breeze, FL
Ready to find affordable Gulf Breeze, Florida car insurance today? Enter your ZIP code for fast, free Gulf Breeze, FL car insurance quotes.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How much does car insurance in Gulf Breeze, FL cost?
Car insurance in Gulf Breeze, FL averages $320 per month.
What are the car insurance requirements in Gulf Breeze, FL?
The car insurance requirements in Gulf Breeze, FL are 10/20/10. However, if your car is financed, you may need full coverage insurance.
How can I find cheap car insurance rates in Gulf Breeze, FL?
To find cheap car insurance rates in Gulf Breeze, FL, compare quotes from the top car insurance companies in the area.
How does age, gender, and marital status affect car insurance rates in Gulf Breeze, FL?
Every car insurance company weighs age, gender, and marital status differently. It’s recommended to compare rates from different companies to find the best option for you.
What is the minimum car insurance required in Gulf Breeze, FL?
Every driver in Gulf Breeze, FL must carry the minimum car insurance required by the state. Check the Florida car insurance requirements for details.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
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.