Best Cheap Auto Insurance in Gulf Breeze, FL (2021)

The average Gulf Breeze, FL auto insurance rates are $320 per month. The minimum auto insurance in Gulf Breeze is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Gulf Breeze, 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

  • The cheapest auto insurance company in Gulf Breeze is USAA
  • The average commute length in Gulf Breeze is 21.7 minutes
  • Average auto insurance rates in Gulf Breeze, FL for senior drivers are $2,320 per year

Gulf Breeze, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Gulf Breeze 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 Gulf Breeze, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Gulf Breeze to other Florida cities, including Port St. Lucie auto insurance rates, St. Petersburg auto insurance rates, and Jacksonville auto insurance rates to see how Gulf Breeze, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Gulf Breeze, Florida

Gulf Breeze, 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 Gulf Breeze, Florida.

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

Auto insurance rates in Gulf Breeze, 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 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

Cheap Gulf Breeze, Florida Auto Insurance for Teen Drivers

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

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

Cheap Gulf Breeze, Florida Auto Insurance for Seniors

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

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

Cheap Gulf Breeze, 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 Gulf Breeze, Florida compared to the annual auto insurance rates with a clean record in Gulf Breeze, Florida.

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

Cheap Gulf Breeze, Florida Auto Insurance Rates After a DUI

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

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

Cheap Gulf Breeze, Florida Auto Insurance By Credit History

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

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

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Cheap Gulf Breeze, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Gulf Breeze, Florida

ZIP Code Average Annual Rates
32561 $2,980

Cheap Gulf Breeze, Florida Auto Insurance Rates By Commute

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

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

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

Cheap Gulf Breeze, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Gulf Breeze, Florida? Check out the comparison of annual Gulf Breeze, Florida 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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Best By Category: Cheapest Auto Insurance in Gulf Breeze, Florida

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

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

The Cheapest Gulf Breeze, Florida Auto Insurance Companies

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

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 auto insurance rates in Gulf Breeze, Florida?

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

Gulf Breeze Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Gulf Breeze, Florida auto theft statistics, there have been 2 auto thefts in the city.

Gulf Breeze Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gulf Breeze, Florida commute length is 21.7 minutes according to City-Data.

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Compare Gulf Breeze, Florida Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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