Best Crestview, Florida Auto Insurance in 2024 (Compare the Top 10 Companies)
Select the best Crestview, Florida auto insurance coverage from the top companies, such as USAA, Geico, and Travelers, with rates starting at $50/month. Learn about cost factors like commutes and car thefts. We'll decode insurers' offerings, from USAA's military perks to Farmers' deals, beyond 10/20/10 minimums.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
UPDATED: Oct 25, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Full Coverage in Crestview FL
A.M. Best Rating
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19,116 reviewsCompany Facts
Full Coverage in Crestview FL
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
1,731 reviewsCompany Facts
Full Coverage in Crestview FL
A.M. Best Rating
Complaint Level
Pros & Cons
1,731 reviews
Find the best auto insurance in Crestview, Florida from top insurers like USAA, Geico, and Travelers, with rates starting at $50 a month. Crestview, Florida’s “Hub City,” offers drivers a unique blend of Southern charm and savvy insurance options.
This guide explores the best comprehensive auto insurance companies serving the area, helping residents navigate the local market with ease. This overview ensures motorists are well-protected as they enjoy all that this slice of the sunshine state has to offer.
Our Top 10 Company Picks: Best Crestview, Florida Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 15% A++ Military Savings USAA
#2 10% A++ Affordable Rates Geico
#3 11% A++ Coverage Options Travelers
#4 7% A+ Competitive Rates Progressive
#5 9% A+ Vanishing Deductible Nationwide
#6 6% B Local Agents State Farm
#7 8% A 24/7 Support Liberty Mutual
#8 13% A+ Infrequent Drivers Allstate
#9 10% A Claims Service American Family
#10 12% A First-Responder Discount Farmers
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool above to instantly compare prices from various companies near you.
- Explore the auto insurance discounts available for Crestview residents
- Crestview’s best auto insurance company is USAA
- Allstate’s the most expensive auto insurance company in Crestview for teen
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#1 – USAA: Top Overall Pick
Pros
- Military Life Specialists: USAA’s policies cater to Crestview’s significant military population, addressing unique needs like deployment coverage and vehicle storage options crucial for service members at nearby bases. For an exhaustive look, read USAA auto insurance review for full policy details.
- SafePilot Program: This usage-based insurance option rewards Crestview’s safe drivers, particularly valuable for navigating the city’s 28.8-minute average commute and mitigating risks in an area with 49 annual auto thefts.
- Flexible Payment Options: Recognizing the varied financial situations of Crestview’s military families, USAA offers multiple payment plans, including pay-per-mile options for those with irregular driving patterns.
Cons
- Strict Eligibility: USAA’s services are limited to military members and their families, excluding a large portion of Crestview’s general population from these competitive rates and specialized services.
- Deployment-Related Challenges: While USAA excels in military coverage, some Crestview members report complications with policy adjustments during rapid deployments or relocations common in military life.
#2 – Geico: Best for Affordable Rates
Pros
- Military Discount Specialist: Given Crestview’s proximity to military installations, Geico’s special considerations for service members provide valuable benefits to the area’s significant military population. Find detailed information in Geico auto insurance review for a complete guide.
- Emergency Road Service: Recognizing Crestview’s sometimes remote locations, Geico’s roadside assistance program provides crucial support for local drivers facing unexpected breakdowns or lockouts.
- Multi-Vehicle Savings: Crestview households with multiple cars can leverage Geico’s multi-vehicle discounts, maximizing savings in a city where car ownership is essential for daily commutes.
Cons
- Potential Rate Volatility: Geico’s frequent rate adjustments may lead to unexpected premium changes for Crestview policyholders, challenging for budget planning in a city with a diverse economic landscape.
- Limited Bundling Options: Crestview homeowners may find Geico’s bundling discounts less competitive compared to some local providers offering more comprehensive packages for multiple insurance types.
#3 – Travelers: Best for Coverage Options
Pros
- New Car Replacement: This feature ensures Crestview residents with newer vehicles receive full value compensation in case of a total loss, particularly valuable in Florida’s unpredictable driving conditions. Dive into Travelers auto insurance review for all the facts about their coverage.
- Decreasing Deductible Benefit: Travelers rewards Crestview’s safe drivers with a diminishing deductible option, potentially reducing out-of-pocket costs over time for claim-free periods.
- Green Vehicle Discount: Environmentally conscious Crestview drivers with hybrid or electric vehicles can access special rates, aligning with Florida’s growing focus on sustainable transportation.
Cons
- Credit-Based Pricing: Travelers’ use of credit scores in rate calculations may disadvantage some Crestview drivers working to improve their financial standing in Florida’s sometimes challenging economic environment.
- Mid-Term Policy Adjustments: Some Crestview policyholders report unexpected mid-policy term changes with Travelers, which can be disruptive for budgeting in a city with a higher-than-average cost of living.
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#4 – Progressive: Best for Competitive Rates
Pros
- Competitive Local Rates: Progressive’s $136 monthly premium in Crestview is just slightly above the most affordable options, offering good value while exceeding Florida’s 10/20/10 minimum coverage requirements. See Progressive auto insurance review for a comprehensive guide to their insurance options.
- Pet Injury Coverage: Progressive includes pet injury protection in collision coverage, appealing to Crestview’s animal-loving community and addressing a unique concern often overlooked by standard auto insurance policies.
- Custom Parts Coverage: Progressive offers protection for aftermarket additions, valuable for Crestview’s car enthusiasts and those who modify vehicles for Florida’s diverse driving conditions.
Cons
- Gap Insurance Limitations: Progressive’s gap insurance options may be less comprehensive than some competitors, potentially leaving Crestview drivers with outstanding loans vulnerable in total loss situations.
- Claims Process Variability: Progressive’s claims handling experiences in Crestview can vary, with some residents reporting challenges in resolution, particularly for incidents unique to Florida’s diverse driving conditions.
#5 – Nationwide: Best for Vanishing Deductible
Pros
- On Your Side Review: Nationwide’s annual policy review is particularly valuable for Crestview residents, ensuring coverage adapts to changes in local driving conditions, vehicle values, and personal circumstances. Discover more in Nationwide auto insurance review for full details on their coverage.
- Vanishing Deductible Option: Crestview drivers can benefit from Nationwide’s diminishing deductible feature, potentially lowering their out-of-pocket expenses as they maintain a clean driving record in a city with 49 annual auto thefts.
- Roadside Assistance Plus: Nationwide offers enhanced roadside assistance options, crucial for Crestview drivers navigating Florida’s sometimes remote areas and unpredictable weather conditions.
Cons
- Mixed Claims Satisfaction: Some Crestview residents report varying experiences with Nationwide’s claims process, which could be problematic during stressful post-accident periods in Florida’s diverse driving conditions.
- Potential for Mid-Term Adjustments: Some Crestview policyholders report unexpected mid-policy term changes with Nationwide, which can be disruptive for budgeting in a city with a higher-than-average cost of living.
#6 – State Farm: Best for Local Agents
Pros
- Drive Safe & Save Program: State Farm’s usage-based insurance option is particularly beneficial for Crestview drivers, potentially rewarding safe driving habits on the city’s roads with significant discounts, especially valuable given the 28 minute average commute. Check State Farm auto insurance review for a thorough examination of their policies.
- Local Representative Network: State Farm’s strong presence in Crestview ensures residents have access to personalized service, with agents familiar with the city’s specific insurance needs and local driving conditions, including the 49 annual auto thefts.
- Car Rental and Travel Expenses Coverage: State Farm offers comprehensive rental car coverage and travel expense reimbursement, valuable for Crestview residents dealing with Florida’s tourist-heavy roads and potential long-distance breakdowns.
Cons
- Limited Specialized Vehicle Coverage: Some Crestview residents report challenges obtaining comprehensive coverage for boats or other watercraft popular in this Florida community through State Farm.
- Strict Underwriting Criteria: State Farm’s stringent underwriting in Crestview could lead to higher rates or coverage denials for drivers with less-than-perfect records, challenging in a Florida city with limited alternative options.
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#7 – Liberty Mutual: Best for 24/7 Support
Pros
- RightTrack Program: Liberty Mutual’s usage-based insurance option is well-suited to Crestview’s driving patterns, offering potential savings for residents navigating the city’s 28 minute average commutes and local road conditions. Explore the specifics in Liberty Mutual auto insurance review for an in-depth overview.
- Teacher Appreciation Benefits: Liberty Mutual’s special perks for educators provide valuable savings for Crestview’s teaching community, recognizing their importance in this growing Florida city.
- Better Car Replacement: This unique feature ensures Crestview drivers receive a newer model if their car is totaled, valuable in a city where vehicle dependence is high due to limited public transportation options.
Cons
- Complex Quote Process: Some Crestview residents report difficulties obtaining accurate online auto insurance quotes in Crestview, FL from Liberty Mutual, complicating the comparison process in Florida’s competitive insurance market.
- Limited Rideshare Coverage: As Crestview’s gig economy grows, Liberty Mutual’s lack of specialized rideshare coverage may disadvantage local drivers seeking to supplement their income through ride-hailing services.
#8 – Allstate: Best for Infrequent Drivers
Pros
- Your Choice Auto Package: This customizable package allows Crestview drivers to add features like accident forgiveness and deductible rewards, tailoring their coverage to Florida’s unique driving conditions and personal needs. Read Allstate auto insurance review for a complete look at their insurance plans.
- Milewise Pay-Per-Mile: Allstate’s pay-per-mile option caters to Crestview residents who work from home or have short commutes, potentially offering significant savings in a city with diverse driving habits.
- Ride for Hire: Allstate offers specialized coverage for Crestview’s growing number of rideshare drivers, filling a crucial gap for those participating in the gig economy.
Cons
- New Vehicle Surcharges: Allstate’s pricing model in Crestview may include higher premiums for newer vehicles, which could be a deterrent for residents investing in updated cars to handle Florida’s diverse driving conditions.
- Complex Discount System: Crestview policyholders might find Allstate’s numerous discount options overwhelming, potentially missing out on savings due to intricate qualification criteria in Florida’s complex insurance landscape.
#9 – American Family: Best for Claims Service
Pros
- MyAmFam App: American Family’s mobile app caters to Crestview’s increasingly digital-savvy population, offering easy policy management and claims filing for drivers navigating the city’s 28.8-minute average commute. Learn all about it in American Family auto insurance review for comprehensive coverage info.
- KnowYourDrive Program: This usage-based insurance option is well-suited to Crestview’s driving patterns, offering potential savings for residents who demonstrate safe driving habits on local Florida roads.
- Dreams Restored Program: American Family’s unique approach to claims, focusing on fully restoring vehicles, provides added value for Crestview drivers concerned about maintaining their cars in Florida’s sometimes harsh climate.
Cons
- Hurricane Coverage Limitations: Some Crestview policyholders report gaps in American Family’s coverage for hurricane-related damages, a significant concern in this Florida coastal region prone to severe weather events.
- Restricted Availability: American Family’s services may not be universally available throughout Crestview, potentially limiting options for some residents in more remote areas of the city.
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#10 – Farmers: Best for First-Responder Discount
Pros
- Customizable Policies: Farmers allows Crestview drivers to create highly personalized policies, addressing specific needs from hurricane protection to coverage for high-value vehicles. Get a full picture in Farmers auto insurance review for an in-depth look at their plans.
- New Car Pledge: This feature ensures Crestview residents with newer vehicles receive OEM parts for repairs, maintaining vehicle value in Florida’s sometimes harsh driving conditions.
- Seasonal Auto Coverage: Farmers offers flexible coverage options for seasonal vehicles, catering to Crestview’s snowbirds and part-time residents.
Cons
- Flood Insurance Gaps: Despite Crestview’s vulnerability to flooding, some Farmers policyholders report difficulties obtaining comprehensive flood coverage as part of their auto policies, a critical concern in this Florida coastal region.
- Complex Policy Structure: Some Crestview drivers may find Farmers’ tiered coverage system confusing, making it difficult to navigate policy options in Florida’s already complex insurance landscape.
Factors Influencing Auto Insurance Rates in Crestview, FL
In Crestview, Florida, how much you pay for car insurance depends on things like how long it takes you to drive to work, how many cars get stolen in the area, and how good your driving is. Here are the monthly costs for basic and full car insurance from the biggest insurance companies in Crestview.
Crestview, Florida Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
Allstate $65 $145
American Family $68 $150
Farmers $70 $160
Geico $55 $135
Liberty Mutual $60 $140
Nationwide $53 $139
Progressive $62 $136
State Farm $68 $139
Travelers $68 $135
USAA $50 $125
Crestview is called the “Hub City” because it’s in the middle of everything. On average, people in Crestview drive about 29 minutes to get to work, and there have been 49 cars stolen recently. These things can make car insurance in Crestview, FL more expensive.
Crestview, Florida Auto Insurance Rates by Commute Distance
Regardless of whether your daily commute spans 10 miles or 25 miles, explore how leading insurance providers compare for your routine journey.
Crestview, Florida Full Coverage Auto Insurance Monthly Rates by Annual Mileage
| Insurance Company | 6,000 Miles | 12,000 Miles |
|---|---|---|
| Allstate | $485 | $513 |
| Geico | $266 | $269 |
| Liberty Mutual | $343 | $366 |
| Nationwide | $278 | $278 |
| Progressive | $361 | $361 |
| State Farm | $206 | $220 |
| USAA | $199 | $204 |
From Geico’s budget-friendly rates to USAA’s consistent savings, there’s a perfect policy for every commuter. Drive smart and choose the best coverage for your Crestview commute.
Crestview, Florida Auto Insurance Rates by Demographics
Wondering how auto insurance costs shift for different people? Look at these numbers to see how the rates line up for married couples, single teens, and young adults.
Crestview, Florida Full Coverage Auto Insurance Monthly Rates by Age & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $305 | $294 | $265 | $271 | $1,066 | $1,160 | $312 | $319 |
| Geico | $210 | $211 | $196 | $196 | $379 | $480 | $231 | $236 |
| Liberty Mutual | $247 | $247 | $227 | $227 | $516 | $792 | $247 | $333 |
| Nationwide | $195 | $194 | $174 | $181 | $463 | $574 | $215 | $225 |
| Progressive | $241 | $230 | $209 | $223 | $668 | $735 | $292 | $287 |
| State Farm | $135 | $135 | $123 | $123 | $385 | $493 | $149 | $123 |
| USAA | $392 | $458 | $148 | $161 | $118 | $116 | $109 | $109 |
For married folks seeking good deals, seniors wanting value, young drivers needing fair rates, and high-risk individuals looking for coverage, comprehensive auto insurance offers a fit for all. 
Dig through the numbers and find the plan that matches your life and wallet while providing the protection you need. Whether it’s savings or full coverage you seek, there’s a comprehensive auto insurance policy made just for you.
Crestview, Florida Auto Insurance Rates by Credit Score
In Crestview, Florida, your credit score holds sway over your auto insurance rates. See how rates shift from poor to good credit with top names like Geico and State Farm.
Crestview, Florida Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Poor Credit | Fair Credit | Good Credit |
|---|---|---|---|
| Allstate | $691 | $443 | $363 |
| Geico | $390 | $235 | $176 |
| Liberty Mutual | $455 | $336 | $273 |
| Nationwide | $346 | $255 | $231 |
| Progressive | $471 | $333 | $278 |
| State Farm | $287 | $192 | $159 |
| USAA | $330 | $159 | $115 |
Don’t let insurance rates drive you crazy—opt for the best deal based on your credit score and enjoy smoother rides ahead. Whether you’re with USAA or Liberty Mutual, there’s a cost-effective option waiting for you.
Crestview, Florida Auto Insurance Rates by Driving History
Wondering how accident surcharges affect auto insurance rates in Crestview? Dive into how your premiums change with a clean record versus accidents, DUIs, and speeding violations, from USAA to Geico.
Crestview, Florida Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Accident | One Ticket | One DUI |
|---|---|---|---|---|
| Allstate | $430 | $513 | $478 | $575 |
| Geico | $186 | $238 | $291 | $354 |
| Liberty Mutual | $263 | $334 | $350 | $473 |
| Nationwide | $239 | $261 | $264 | $346 |
| Progressive | $288 | $419 | $382 | $354 |
| State Farm | $196 | $230 | $213 | $213 |
| USAA | $159 | $195 | $167 | $285 |
Don’t let surcharges steer you off course—find the best rates despite accidents or violations. With the right choice, your insurance can stay on track, no matter what.
Minimum Auto Insurance in Crestview, Florida
In Crestview, Florida, auto insurance laws require drivers to maintain at least the state’s minimum coverage to meet financial responsibility standards in the event of an accident. This includes bodily injury liability coverage, which provides $10,000 per person and $20,000 per accident to cover medical expenses and legal costs for injuries sustained by others in an accident you cause.
Additionally, property damage liability coverage mandates a minimum of $10,000 to pay for repairs or replacement of property damaged in an accident.
These minimum limits are designed to ensure that drivers can cover essential expenses and avoid potential legal and financial consequences after an accident.Travis Thompson LICENSED INSURANCE AGENT
While these are the state-required minimums, many drivers opt for higher coverage limits to better protect themselves and their assets.
Read More: Do you need medical payment coverage on auto insurance?
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Crestview, Florida Discounts Available
Ready to save on your auto insurance in Crestview, Florida? Explore how to save money by bundling insurance policies with major companies and unlocking exclusive discounts from Allstate to USAA.
Bundling your insurance can drive your savings up. With discounts available for everything from safe driving to military service, you’ll keep more cash in your pocket while staying well-covered.
Avoid expensive auto insurance premiums by entering your ZIP code below to see the cheapest rates for you.
Frequently Asked Questions
What types of coverage are available for auto insurance in Crestview, FL?
Auto insurance policies in Crestview, FL typically offer various types of coverage. These include liability coverage, which is required by law, as well as comprehensive and collision coverage, uninsured/underinsured motorist protection, personal injury protection (PIP) insurance, and medical payments coverage, among others. When comparing Crestview car insurance quotes, you’ll find options that suit your needs and budget.
Can I get auto insurance in Crestview, FL with a bad driving record?
Yes, it is possible to obtain auto insurance in Crestview, FL, even with a bad driving record. However, you may face higher premiums or be limited to certain providers that specialize in high-risk drivers. To reduce your rates over time, focus on improving your driving habits and maintaining a clean record moving forward.
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool below to instantly compare prices from various Crestview auto insurance companies.
What are the minimum auto insurance requirements in Crestview, FL?
In Crestview, FL, drivers are required to carry at least the state’s minimum liability insurance coverage. This includes $10,000 for bodily injury per person, $20,000 per accident for bodily injury, and $10,000 for property damage liability. Drivers looking for Crestview cheap auto insurance should consider meeting these minimums, though additional coverage may offer more comprehensive protection.
How can I find affordable auto insurance in Crestview, FL?
To find Crestview affordable car insurance,, you can compare car insurance quotes in Crestview, FL from different insurance providers, consider bundling your auto insurance with other policies, maintain a good driving record, and inquire about discounts for which you may qualify, such as those for safe driving, multiple vehicles, or low mileage discount. Shopping around for the best Crestview car insurance companies will help you secure a policy that fits your budget.
Can I use my Crestview, FL auto insurance coverage in other states?
Yes, in most cases, your Crestview, FL auto insurance coverage will extend to other states within the U.S. This means you are typically covered if you drive outside of Florida, but it’s always a good idea to review your policy or consult with your insurance provider to confirm the specifics of your coverage when traveling.
How can I file an auto insurance claim in Crestview, FL?
To file an auto insurance claim in Crestview, FL, you should first contact your insurance company as soon as possible following an incident. Provide them with details about the accident, theft, or damage, and follow their instructions for submitting any necessary documentation. The insurance company will guide you through the process of assessing the claim and receiving your settlement.
What is Crestview, FL auto insurance?
Crestview, FL auto insurance refers to the insurance coverage specifically designed for vehicles registered in Crestview, Florida. This insurance provides financial protection against losses and damages related to auto accidents, theft, vandalism, and other covered events that may occur within the city or its surrounding areas.
What factors affect auto insurance rates in Crestview, FL?
Your driving history, age, vehicle type, credit score, and the length of your daily commute are a few factors that affect auto insurance rates in Crestview, Florida. Additionally, the local crime rate, including car thefts, and the frequency of claims in the area can also impact your premiums.
Are there discounts available for auto insurance in Crestview, FL?
Yes, many car insurance companies in Crestview, FL offer discounts that can help lower your auto insurance premiums. These discounts may be available for safe driving, bundling multiple policies, having anti-theft devices in your vehicle, being a good student, or even being a member of certain organizations.
What should I do if I’m in an accident in Crestview, FL?
If you’re involved in an accident in Crestview, FL, ensure your safety and that of others first. Contact the police to report the accident, exchange information with the other driver, and document the scene with photos if possible. Notify your insurance company to start the claims process and follow their guidance on next steps.
Find very cheap auto insurance, use our free comparison tool below to see what auto insurance quotes look like in your area.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
