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Get Cheap Car Insurance in Wakulla, FL

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

 

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The Cheapest Minimum Coverage in Wakulla

The chart below shows the cheapest car insurance company in Wakulla 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.

 
Wakulla Insurer Monthly Cost
Geico $113
State Farm $120
Gainsco $157
Bristol West $157

Savings for Every Kind of Wakulla Driver

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

Based on our extensive insurance data, we know the average Wakulla 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 $693 per year by choosing the right vehicle insurance company. Some Wakulla residents are paying out over $2,370 extra every year for auto insurance in Wakulla. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Wakulla, FL Savings / Yr.
Drivers with good records
$693
Drivers with accidents
$1,018
Drivers with speeding tickets
$783
Drivers with a DUI conviction
$775
Young drivers
$2,462
Married drivers
$673
Drivers with bad credit
$980

Wakulla Car Insurance vs. Florida

People living in Wakulla pay an average of 10.30% less than the typical driver in the state. The average driver in Wakulla can expect to pay about $2,163 per year, or $2,370 for full coverage.

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

Car Insurance Prices by Wakulla Neighborhood

Wakulla, FL map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Wakulla?

The map shows insurance prices in and around Wakulla, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $62 per year within the city boundaries, with insurance premiums ranging from a high of $2,397 to a low of $2,335. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the West parts of Wakulla.

Pick the Best Car Insurance Company for You in Wakulla

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 Wakulla insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Wakulla

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $693 over the average Wakulla car insurance company.

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We use the average good driver, paying $140 per month, as our baseline for pricing in Wakulla. 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 Wakulla drivers with accidents on their records

In Wakulla getting into an accident will raise premiums an average 28% for a yearly cost of $3,290. That's $920 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 $1,018 over the competition.

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The best car insurance company for Wakulla drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $783 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 Wakulla, tickets raise premiums on new quotes about $660. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,030 per year.

The best auto insurance for Wakulla drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,234 per year in auto insurance premiums, which was $865 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 $775 less each year.

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

In Wakulla, Geico costs young drivers $2,462 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 Wakulla. With an average cost of $7,111 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 Wakulla

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 Wakulla.

Geico gave the largest car insurance discounts to married couples, averaging $673 saved each year compared to an average Wakulla couple's premiums.

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The cheapest car insurance in Wakulla for drivers with bad credit

People with poor credit saved an average of $980 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,133 every year. Premiums for people with poor credit were about $3,503 in Wakulla. 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 Wakulla car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Wakulla, 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 Wakulla.

Allstate was the best company for customer service in Wakulla 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 Wakulla, 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 Wakulla. 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 Wakulla

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 39% of Wakulla 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 Wakulla 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 Wakulla, 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 Wakulla

What Influences the Cost of Car Insurance in Wakulla?

On average, car insurance in Wakulla 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 Wakulla is 31 minutes, which is a little less 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 Wakulla are among the lowest 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.
  • Wakulla 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 Wakulla is $180 per month for minimum coverage and $197 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 Wakulla driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Wakulla 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.