Cheap Car Insurance in Crestview, FL
Everything You Need to Know about Auto Insurance in Florida
Crestview, located in the Florida Panhandle, is steeped in history and surrounded by natural beauty. With a population of around 27,000, it maintains a small-town charm while offering amenities typically found in larger cities. The city boasts a strong sense of community, with a range of local events and gatherings that bring residents together. Crestview is also notable for its dining options, showcasing Southern food and international cuisine. Additionally, its proximity to Eglin Air Force Base contributes to the city’s character and provides a strong economic foundation for the area.
If you are a driver in the Orange State, having vehicle protection is not just a good idea—it’s a legal requirement. Whether you’re cruising through bustling cities or country roads, having the right coverage can provide peace of mind and financial security in case of unforeseen incidents.
Freeway Insurance offers the best car insurance in Florida at the lowest prices, tailored to your needs and budget. This friendly team is here to help you navigate the world of coverage options and find the solutions and discounts that work for you. Keep reading.
How Much Does Car Insurance Cost in Crestview, FL?
In Crestview, drivers typically pay about $60 a month for basic liability car insurance and around $187 for full auto coverage—prices that come in lower than Florida’s average of $87 for minimum coverage and $286 for full coverage.
However, these rates are still higher than the national averages, which stand at $52 for basic liability protection and $168 for a full policy.
What Does Full vs. Minimum Mean?
Imagine yourself driving down the bustling Downtown in Crestview. As you navigate through the traffic, understanding the difference between full and minimum coverage becomes crucial. Full coverage insurance would offer you peace of mind as you weave across the city, protecting you against any unexpected mishaps like accidents, theft, or weather-related damage.
On the other hand, depending only on minimum coverage could leave you susceptible to accidents resulting in damages that reach the limits of your policy. Therefore, before choosing a plan for your vehicle, make sure to inform yourself about each type of auto insurance.
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Affordable Car Insurance Rates Comparison by Cities in Florida
Check out the list below to get an idea of the average monthly car insurance costs for drivers in various cities throughout Florida.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Crestview | $187 | $60 |
| Tallahassee | $190 | $60 |
| Jupiter | $228 | $77 |
| Lakeside | $205 | $71 |
| Sanford | $204 | $73 |
Affordable Crestview Car Insurance Rates by Zip Code
If you’re in an area with high rates of theft, vandalism, or insurance claims, you can expect your premiums to be on the higher side.
Crestview only has two zip codes, as most residents in the city share this common detail when applying for vehicle protection. The table below shows the average costs in the area.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 32536 | $187 | $60 |
| 32539 | $184 | $59 |
Low-Cost Car Insurance Rates by Age in Crestview
Getting car insurance as a young driver can be expensive because there’s a higher chance of claims and you have limited road experience. But if you keep a clean driving record, the rates should go down once you’re in your 30s. Just so you know, costs might start going up again in your 60s, when reflexes slow down and there’s a higher risk of accidents.
Interested in knowing the average monthly premiums for people in Crestview of different ages? Take a look at the breakdown below:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $768 | $251 |
| 20s | $364 | $115 |
| 30s | $187 | $60 |
| 40s | $174 | $57 |
| 50s | $166 | $55 |
| 60s | $159 | $53 |
| 70s | $180 | $61 |
We use the following methodology to arrive at our average cost: male, age 30, state minimum liability and full coverage of 100/300/100.
Driving Conditions in Crestview, FL
How Many Fatal Accidents Happen in Crestview, Florida?
Each year, Florida’s streets witness thousands of fatalities, with an average of about 3,000 deaths occurring as a result of these incidents. In Okaloosa County, the home of Crestview, over 3,000 car crashes are reported annually, as per data from the Florida Highway Safety and Motor Vehicles (FLHSMV).
Analyzing the statistics, the county observed 3,717 crashes and 43 fatalities in 2021. The subsequent year saw a slight decrease to 3,632 accidents and 19 lives lost. Moving to 2023, there were 3,298 crashes resulting in 28 fatalities. Given the fluctuations in fatality rates, it’s vital to educate yourself on safe driving tips to avoid adding to the mortality statistics.
How Are the Road Infrastructure and Bridges in Crestview?
The government of Crestview is actively working to keep its streets, bridges, and infrastructure in good condition.
With support from Okaloosa County, they are undertaking repaving, bridge rehabilitation, and construction projects. One major undertaking is the Northwest Crestview Bypass, which will connect to the new Southwest Crestview Bypass and Old Bethel Road. The bypass will terminate at State Road 85 (North Ferdon Boulevard), offering improved mobility and regional connectivity. The entire project is expected to be completed by 2027.
Minimum Car Insurance Requirements in Crestview, FL
If you’re looking to secure auto insurance in Crestview or anywhere in the Everglade State, there are some important rules to follow. Here is the lowdown:
- First, property damage liability coverage is a must. It’s crucial to have at least $10,000 of coverage in case of any damage caused during a collision.
- Secondly, Personal Injury Protection (PIP) is another essential coverage to consider. This coverage ensures that medical bills, lost wages, and other related expenses are covered if you are ever involved in an accident. It’s mandated that you have at least $10,000 of coverage.
What Are the Penalties for Driving Without Insurance in Crestview, FL?
Have you ever wondered what could unfold if you’re stopped in Florida and can’t present proof of car insurance? First off, not having coverage could lead to the suspension of your driver’s license and registration. For a first-time offense, there’s a $150 reinstatement fee along with a potential three-year license registration suspension.
If the same issue arises again within three years of the first offense, the reinstatement fee goes up to $250, and you could face another three-year license registration suspension.
And if the pattern continues within three years of the initial slip-up, you could be looking at a hefty $500 reinstatement fee and up to three years of license registration suspension.
With that in mind, it is important to validate your plan before you begin the wheel, to avoid these consequences.
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Factors Allowed in Crestview Car Insurance Rates
There are several factors that impact your auto insurance premiums in Florida. Carriers take various variables into account when determining your rates, and these factors include:
- Marital status: Married couples may enjoy lower rates than their single counterparts.
- Driving record: Your driving history can help or hurt your chances of snagging good rates.
- Type of vehicle: The make and model of your car can impact your premiums, with some cars carrying a higher risk than others.
- Coverage amount: The more coverage you opt for, the higher your premiums will likely be.
- Deductible amount: Similarly, the higher your deductible, the lower your premiums, and vice versa.
- Job title: Your occupation can also be important, as certain jobs may be deemed riskier than others.
Here’s What You Need to Know About Driving in Florida
Driving in Florida is a unique experience, especially in bustling cities like Orlando and Tampa Bay where traffic congestion can test even the most patient drivers. Even in quieter areas like Crestview, you may encounter winding country roads and sudden changes in weather conditions that make driving a bit more challenging.
Florida’s flat terrain means you might encounter long stretches of road and highways, with palm trees lining the streets and the occasional glimpse of the sparkling coastline. Just be prepared for the occasional afternoon thunderstorm or the possibility of encountering wildlife crossing the road in more rural areas.
Despite its challenges, a sunny drive through the Orange State is truly an unparalleled experience.
What Are the Best Discounts for Car Insurance in Crestview, FL?
Did you know that taking advantage of auto insurance discounts could save you serious cash? It’s true! If you’re eligible for a few of these deals, you could see some major savings on your monthly bills.
Here are some of the discounts that Crestview drivers like yourself can look into:
If you want to maximize your savings, you may want to consider bundling your policies with the same insurer. By combining your auto policy with renters insurance or another type of plan, you could score 25% off your total bill.
Get an Online Quote for Car Insurance in Crestview, Florida Today!
Get ready to save on your car insurance. Experience the convenience and affordability of Freeway Insurance. Visit our website to get a free insurance quote today! You can also swing by one of our nearby offices or call us at 800-777-5620 to speak with our knowledgeable agents. Don’t wait, take advantage of our deals now!