Best Cheap Auto Insurance in Destin, FL (2021)

The average Destin, FL auto insurance rates are $304 per month. The minimum auto insurance in Destin is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Destin, Florida, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Destin, FL for senior drivers are $2,220 per year
  • The most expensive auto insurance company in Destin for teen drivers is Allstate
  • The average commute length in Destin is 20.3 minutes

Destin, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Destin can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Destin, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Destin to other Florida cities, including Cape Coral auto insurance rates, Orlando auto insurance rates, and St. Petersburg auto insurance rates to see how Destin, Florida auto insurance rates stack up.

Before you buy Destin, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Destin, Florida auto insurance quotes.

Minimum Auto Insurance in Destin, Florida

Destin, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Destin, Florida.

Minimum Required Auto Insurance Coverage in Destin, 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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Cheap Destin, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Destin, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Destin, 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 $2,514 $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

Cheap Destin, Florida Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Destin, Florida is a challenge. Take a look at the annual teen auto insurance rates in Destin, Florida.

Annual Auto Insurance Rates for Teen Drivers in Destin, Florida

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

Cheap Destin, Florida Auto Insurance for Seniors

What are senior auto insurance rates in Destin, Florida? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Destin, Florida

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

Cheap Destin, Florida Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Destin, Florida compared to the annual auto insurance rates with a clean record in Destin, Florida.

Annual Destin, Florida Auto 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 $2,233 $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

Cheap Destin, Florida Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Destin, Florida is not easy. Compare the annual rates for DUI auto insurance in Destin, Florida to find the best deal.

Annual Auto Insurance Rates After a DUI in Destin, 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

Cheap Destin, Florida Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Destin, Florida annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Destin, Florida

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

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Cheap Destin, Florida Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Destin, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Destin, Florida to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Destin, Florida

ZIP Code Average Annual Rates
32541 $2,835

Cheap Destin, Florida Auto Insurance Rates By Commute

Commute length and annual mileage affect Destin, Florida auto insurance. Find the cheapest annual Destin, Florida auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Destin, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Destin, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Destin, Florida? Check out the comparison of annual Destin, Florida auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Destin, Florida

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

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Best By Category: Cheapest Auto Insurance in Destin, Florida

Compare the cheapest auto insurance companies in Destin, Florida in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Destin, 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

The Cheapest Destin, Florida Auto Insurance Companies

What auto insurance companies in Destin, Florida are the cheapest? Compare the top Destin, Florida auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Destin, Florida

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

What affects auto insurance rates in Destin, Florida?

There are a lot of reasons why auto insurance rates in Destin, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Destin, Florida. Many local factors may affect your Destin auto insurance rates.

Destin Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Destin, Florida commute length is 20.3 minutes according to City-Data.

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Compare Destin, Florida Auto Insurance Quotes

Before you buy Destin, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Destin, Florida auto insurance quotes.

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