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Get Cheap Car Insurance in DeFuniak Springs, FL

We monitor insurance prices, helping the average driver in DeFuniak Springs save up to 34.6% on car insurance.

 

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The Cheapest Minimum Coverage in DeFuniak Springs

The chart below shows the cheapest car insurance company in DeFuniak Springs for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.

 
DeFuniak Springs Insurer Monthly Cost
Geico $114
State Farm $120
Gainsco $157
Bristol West $157

Savings for Every Kind of DeFuniak Springs Driver

The table shows how much the average auto insurance customer in DeFuniak Springs might save by following our recommendations.

Based on our extensive insurance data, we know the average DeFuniak Springs driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $696 per year by choosing the right vehicle insurance company. Some DeFuniak Springs residents are paying out over $2,379 extra every year for auto insurance in DeFuniak Springs. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
DeFuniak Springs, FL Savings / Yr.
Drivers with good records
$696
Drivers with accidents
$1,022
Drivers with speeding tickets
$786
Drivers with a DUI conviction
$778
Young drivers
$2,472
Married drivers
$675
Drivers with bad credit
$984

DeFuniak Springs Car Insurance vs. Florida

People living in DeFuniak Springs pay an average of 9.96% less than the typical driver in the state. The average driver in DeFuniak Springs can expect to pay about $2,172 per year, or $2,379 for full coverage.

Based on our analysis, Geico will be the cheapest provider in DeFuniak Springs for most people.

Car Insurance Prices by DeFuniak Springs Neighborhood

DeFuniak Springs, FL map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within DeFuniak Springs?

The map shows insurance prices in and around DeFuniak Springs, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $621 per year within the city boundaries, with insurance premiums ranging from a high of $2,897 to a low of $2,276. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northeast parts of DeFuniak Springs.

Pick the Best Car Insurance Company for You in DeFuniak Springs

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the DeFuniak Springs insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in DeFuniak Springs

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $696 over the average DeFuniak Springs car insurance company.

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We use the average good driver, paying $140 per month, as our baseline for pricing in DeFuniak Springs. State Farm, Geico, and Travelers are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for DeFuniak Springs drivers with accidents on their records

In DeFuniak Springs getting into an accident will raise premiums an average 28% for a yearly cost of $3,303. That's $924 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Travelers are good choices for drivers with accidents.

In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,022 over the competition.

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The best car insurance company for DeFuniak Springs drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $786 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In DeFuniak Springs, tickets raise premiums on new quotes about $663. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,041 per year.

The best auto insurance for DeFuniak Springs drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,247 per year in auto insurance premiums, which was $868 more than a driver with no major issues. State Farm, Geico, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Geico may cost the average person with a DUI about $778 less each year.

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The least expensive car insurance company for new and young drivers in DeFuniak Springs

In DeFuniak Springs, Geico costs young drivers $2,472 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in DeFuniak Springs. With an average cost of $7,138 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in DeFuniak Springs

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $167. State Farm, Geico, and Progressive provided the largest discounts to couples living in DeFuniak Springs.

Geico gave the largest car insurance discounts to married couples, averaging $675 saved each year compared to an average DeFuniak Springs couple's premiums.

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The cheapest car insurance in DeFuniak Springs for drivers with bad credit

People with poor credit saved an average of $984 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,137 every year. Premiums for people with poor credit were about $3,516 in DeFuniak Springs. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Gainsco.

The best DeFuniak Springs car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In DeFuniak Springs, the National Association of Insurance Commissioners (NAIC) ranks Allstate as the best. Another valuable metric: JD Power ranks State Farm as the best provider in DeFuniak Springs.

Allstate was the best company for customer service in DeFuniak Springs according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in DeFuniak Springs, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in DeFuniak Springs. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in DeFuniak Springs

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 24% of DeFuniak Springs residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average DeFuniak Springs driver can expect to pay about $156 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In DeFuniak Springs, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.
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Auto Insurance Prices in and Around DeFuniak Springs

What Influences the Cost of Car Insurance in DeFuniak Springs?

On average, car insurance in DeFuniak Springs is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in DeFuniak Springs is 37 minutes, which is a little more than average for a driver in the state.
  • Florida state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in DeFuniak Springs are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
  • DeFuniak Springs is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in DeFuniak Springs is $181 per month for minimum coverage and $198 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

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* Who is the average DeFuniak Springs driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central DeFuniak Springs with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.