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Get Cheap Car Insurance in Perdido Key, FL
We monitor insurance prices, helping the average driver in Perdido Key save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Perdido Key
The chart below shows the cheapest car insurance company in Perdido Key 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.
| Perdido Key Insurer | Monthly Cost |
|---|---|
| Geico | $117 |
| State Farm | $124 |
| Gainsco | $162 |
| Bristol West | $162 |
Savings for Every Kind of Perdido Key Driver
Based on our extensive insurance data, we know the average Perdido Key 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 $718 per year by choosing the right vehicle insurance company. Some Perdido Key residents are paying out over $2,454 extra every year for auto insurance in Perdido Key. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Perdido Key, FL Savings / Yr. |
|---|---|
$718 |
|
$1,054 |
|
$811 |
|
$803 |
|
$2,550 |
|
$697 |
|
$1,015 |
Perdido Key Car Insurance vs. Florida
People living in Perdido Key pay an average of 7.11% less than the typical driver in the state. The average driver in Perdido Key can expect to pay about $2,241 per year, or $2,454 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Perdido Key for most people.
Car Insurance Prices by Perdido Key Neighborhood
Insurance Prices
Where is insurance cheapest within Perdido Key?
The map shows insurance prices in and around Perdido Key, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $2,454 to a low of $2,454. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Perdido Key.Pick the Best Car Insurance Company for You in Perdido Key
The best car insurance provider for most drivers in Perdido Key
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $718 over the average Perdido Key car insurance company.
The best car insurance provider for Perdido Key drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,054 over the competition.
The best car insurance company for Perdido Key drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $811 better than other car insurance companies.
The best auto insurance for Perdido Key drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $803 less each year.
The least expensive car insurance company for new and young drivers in Perdido Key
In Perdido Key, Geico costs young drivers $2,550 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Perdido Key
Geico gave the largest car insurance discounts to married couples, averaging $697 saved each year compared to an average Perdido Key couple's premiums.
The cheapest car insurance in Perdido Key for drivers with bad credit
The best Perdido Key car insurance company for customer service
Recent price drops
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The cheapest large national provider in Perdido Key
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Perdido Key driver can expect to pay about $156 per month.
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 Perdido Key, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Perdido Key
What Influences the Cost of Car Insurance in Perdido Key?
On average, car insurance in Perdido Key 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 Perdido Key is 34 minutes, which is about the national 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 Perdido Key are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- Perdido Key is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Perdido Key is $187 per month for minimum coverage and $205 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.
Car Insurance in Nearby Cities
- Ocean Springs: Insurance costs 1.55% less
- Perdido Beach: Insurance costs 38.06% less
- Lillian: Insurance costs 40.14% less
- Josephine: Insurance costs 37.69% less
- Warrington: Insurance costs 5.62% more
- Myrtle Grove: Insurance costs 4.69% more
- Orange Beach: Insurance costs 39.32% less
- West Pensacola: Insurance costs 7.05% more
- Elberta: Insurance costs 38.43% less
- Pensacola: Insurance costs 0.41% less
Cities with Similar Populations
- Shiloh: Insurance costs 36.84% less
- Lucerne: Insurance costs 37.33% less
- Lucky: Insurance costs 44.58% less
- Mahned: Insurance costs 33.29% less
- Seaman: Insurance costs 37.65% less
- Sentinel: Insurance costs 34.60% less
- Seward: Insurance costs 11.08% less
- Shackleford: Insurance costs 28.65% less
- Shadowland: Insurance costs 34.15% less
- Shanty Town: Insurance costs 16.18% less