Cheap Car Insurance in Destin, Florida (With 2024 Rates)

Lowest Premium

$450 / YEAR

Average Premium

$771 / YEAR

Highest Premium

$993 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Destin is around $771 and can go upto $993. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Best Car Insurance Companies and Rates Offered

The cheapest car insurance rates in the state are provided by Geico Insurance. The major insurers are State Farm, Progressive and Geico.

Company	Annual premium (50/100/50)	Market share
Geico	$750	6.6%
State Farm	$970	9.3%
Allstate	$1,450	5.0%
Progressive	$1,390	5.6%

Get a free quote from the best of 200+ companies in 90 seconds.

Find affordable car insurance in your city

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

Car Insurance Rates in Destin by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Destin. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

Zip	Avg. Premium
32540	$771

Insurance Agents in Destin, FL and Near by

1.3 mi

Aqua Bay Insurance Services

4507 Furling Ln Ste 201, Destin, FL 32541

(850) 269-0686
1.3 mi

Brightway Insurance - Chris Graham

4507 Furling Ln, Destin, FL 32541

(850) 424-6222
1.3 mi

Acentria Insurance

4634 Gulfstarr Dr, Destin, FL 32541

(850) 650-1950
1.3 mi

Jim Harris & Associates

4634 Gulfstarr Dr, Destin, FL 32541

(850) 243-7343
1.3 mi

Southern States Insurance

4634 Gulfstarr Dr, Destin, FL 32541

(850) 837-3863
1.3 mi

Harmon Insurance & Bonding Agency

215 Mountain Dr Ste 103, Destin, FL 32541

(850) 837-6186
1.3 mi

Waterfield & Associates

127 Harbor Blvd Ste 10, Destin, FL 32541

(850) 837-6242
1.3 mi

SterlingRisk

1001 Airport Rd, Destin, FL 32541

(850) 650-1811
1.3 mi

Dave Morrow

3997 Commons Dr W, Destin, FL 32541

(850) 650-0600
1.3 mi

The Cone Company

4393 Commons Dr E Ste 226, Destin, FL 32541

(850) 424-3015
1.3 mi

Liufau McCall Insurance Group

36008 Emerald Coast Pkwy Ste 601b, Destin, FL 32541

(850) 460-7490
1.3 mi

Jim Liufau

36008 Emerald Coast Pkwy Ste 401, Destin, FL 32541

(850) 837-1329

View all agents ↓

Learn More About Car Insurance in Destin, FL

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.