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Finding the cheapest car insurance quotes in Santa Rosa Beach shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Santa Rosa Beach
The car insurance rate in Santa Rosa Beach is $1232 for a six-month policy, which is $479 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $778, making it a popular choice for budget-conscious drivers. Rates in Santa Rosa Beach can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
Cheapest Car Insurance Companies in Santa Rosa Beach
1st place: Travelers
At $778 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: State Farm
State Farm offers auto
insurance rates at $813 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $851
for six months, making it
the third cheapest auto insurance company in Santa Rosa Beach.
Santa Rosa Beach Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Santa Rosa Beach, FL is Travelers, offering policies at just $778 for a six-month term. This is followed by State Farm, which has an average six-month premium of $813.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1719 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Santa Rosa Beach drivers find the best deals.
Cheap Car Insurance Companies in Santa Rosa Beach, FL
Way's key takeaways about car insurance in Santa Rosa Beach
The auto insurance costs in Santa Rosa Beach fall around $778 for six
months.
The cheapest auto insurance company in Santa Rosa Beach is Mercury.
Teen drivers pay the highest rate in Santa Rosa Beach at $994 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Santa Rosa Beach
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Santa Rosa Beach are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Santa Rosa Beach. Their Average 6 Month Premium is $308.
Farmers is the most
expensive at $474 for the same
period.
Cheapest Liability Coverage in Santa Rosa Beach, FL
Cheapest Full Coverage Car Insurance in Santa Rosa Beach
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Santa Rosa Beach is Travelers
at $131 per month and $778
for six months.
Cheapest Full Coverage Car Insurance Quotes in Santa Rosa Beach,
FL
Get Your Car Insurance Quote in Santa Rosa Beach
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Average Car Insurance in Santa Rosa Beach by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Santa Rosa Beach, FL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Santa Rosa Beach, Florida, may be increasing due to several external factors.
Florida has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Santa Rosa Beach's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Santa Rosa Beach
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Santa Rosa Beach,FL
If you are planning to get a car insurance policy for your teenage
dependent, Nationwide provides the cheapest car
insurance in the Santa Rosa Beach at $65
per
month. At $5846 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Santa Rosa Beach.
As young drivers face the highest rates in Santa Rosa Beach, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Santa Rosa Beach,
Nationwide is
the cheapest car insurance provider. At $466 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Santa Rosa Beach is Farmers, offering
rates of around $2378 for six
months.
Save up to $971/yr on car insurance rates in Santa Rosa Beach.
Car Insurance Rates with An Accident in Santa Rosa Beach
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Santa Rosa Beach, FL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Santa Rosa Beach
The cheapest car insurance companies after an at-fault accident in
Santa Rosa Beach include Nationwide
and AIG, offering $492
and $629,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2399.
Here is a list of driving violations that can increase your car
insurance rates in Santa Rosa Beach FL. For example, the car
insurance in Santa Rosa Beach
after a DUI increases to $676 for a six
month policy. While the rate increases by $205 for a six-month policy in the case of
a speeding ticket.
Santa Rosa Beach auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1313
$219
One Med/PIP claim
$1313
$223
Not-at-fault accident
$1420
$237
Two Med/PIP claims
$1459
$248
One comp claim
$1480
$247
Child safety restraint
$1484
$252
Failure to wear a seat belt
$1484
$248
Driving without lights
$1488
$253
Failure to show documents
$1488
$248
Speeding 6 - 10 MPH over limit
$1518
$258
Improper passing
$1523
$253
Passing school bus
$1523
$259
Wrong way/wrong lane
$1523
$253
Failure to stop at a red light
$1527
$260
Failure to yield
$1527
$254
Illegal turn
$1527
$260
Cell phone violation
$1531
$255
Driving with expired registration
$1531
$261
Following too closely
$1531
$255
Texting while driving
$1535
$261
Two comp claims
$1570
$261
Driving too slowly
$1578
$269
Speeding in school zone
$1578
$263
Speeding 11 - 15 MPH over limit
$1583
$269
In 65 MPH zone
$1638
$273
Speeding 16 - 20 MPH over limit
$1638
$279
Speeding 21 - 25 MPH over limit
$1647
$274
Open container
$1664
$283
Operating a vehicle without permission
$1664
$277
At-fault accident - less than $1000
$1805
$307
At-fault accident - $1000-$2000
$1835
$306
At-fault accident - greater than $2000
$1835
$312
Racing
$1984
$330
DUI
$1989
$338
Refusal to submit to a chemical test
$1989
$331
Driving with a suspended license
$2023
$344
Reckless driving
$2066
$344
Leaving scene of an accident/hit and run
$2087
$355
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Santa Rosa Beach after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Santa Rosa Beach.
The cheapest car insurance premiums in
Santa Rosa Beach are
offered by AIG at $462 for a six-month policy.
However, it can be as
expensive as $1955 with companies
like Farmers.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Santa Rosa Beach are offered by Nationwide
at $402. However,
it can be as expensive as $2087
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Santa Rosa Beach after Speeding ticket
Car Insurance Price Trends in Santa Rosa Beach,
Florida
Car insurance rates in Santa Rosa Beach have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Santa Rosa Beach rose by
$204 in March
compared to $184 of February. In other words, there has been an increase by $20 when you
compare March and February.
The average cost of liability insurance in the Santa Rosa Beach rose to $138 in March,
compared to $60 in February.
This represents an increase of $78
when comparing March and February.
Average Car Insurance Cost in Santa Rosa Beach by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Santa Rosa Beach. At $2463 for a
six-month policy, insuring
your car at 32459 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Santa Rosa Beach?
The car insurance in Santa Rosa Beach is $52 per month, which is lower than the national average.
What is the cheapest car insurance in Santa Rosa Beach?
The cheapest car insurance in Santa Rosa Beach
is $131 per month
for full coverage.
How much is car insurance in Santa Rosa Beach for teenagers?
Car insurance for teenagers costs $390 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Santa Rosa Beach?
The average cost of car insurance is $1711 for a six-month
policy. It will cost around $207 per month to insure your
car in Santa Rosa Beach.
Is car insurance expensive in Santa Rosa Beach?
Car insurance can be expensive in Santa Rosa Beach if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Santa Rosa Beach can be
affordable.
What is the best car insurance in Santa Rosa Beach,
FL?
The best car insurance company in Santa Rosa Beach
FL is
Travelers, offering $778 for a
six-month policy.
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Santa Rosa Beach Car Insurance
