Find Car Insurance in Crestview, Florida

What You Should Know About Car Insurance in Crestview, FL

There’s a lot to like about Crestview, starting with its location in the heart of Florida’s panhandle. Known as the “Hub City,” Crestview sits at the junction of major highways and railroads, making it a convenient home base for travel across the region. It also boasts proximity to Eglin Air Force Base, drawing in a strong military and veteran presence that adds to the town’s patriotic charm. For nature lovers, Blackwater River State Forest is just a short drive away, offering scenic trails, kayaking, and camping.

Living here offers a relaxed, family-friendly lifestyle with a strong sense of community. While Crestview continues to grow, it still feels like a small town—where local diners, Friday night football games, and community events bring everyone together. Just keep an eye on the roads. With growth comes more traffic, especially along State Road 85 and U.S. Highway 90, where congestion can pick up during rush hours or tourist season.

Crestview drivers should also be cautious around Redstone Avenue and Ferdon Boulevard—known hotspots for backups. Before you head out, make sure you’re covered with the best auto insurance in Florida from InsureOne’s expert agents who understand the local roads and care about your peace of mind.

How Much Does Car Insurance Cost in Crestview, Florida?

Drivers in this part of Florida pay a monthly average of about $187 for full coverage and $60 for liability car insurance. This is above the U.S. average of $167 for full coverage and $51 for minimum coverage.

Why Is Insurance So Expensive in Florida?

Car insurance in Florida ranks among the most expensive in the United States. This is largely due to the state’s no-fault insurance system. Under this law, your insurance provider is responsible for your medical expenses and related costs after a crash, regardless of who caused it. However, property damage still falls to the at-fault driver.

While the intention behind no-fault was to reduce legal costs and lower rates, insurers responded by increasing premiums to offset the additional financial burden.

Florida’s elevated risk of natural disasters like hurricanes—and a notable percentage of uninsured drivers—also contribute to the state’s high insurance costs.

Affordable Car Insurance Rates Comparison by Cities in Crestview

Where you live plays a big role in how much you’ll pay for car insurance. Two key factors your agent considers are the local rates of auto theft and accidents. These stats help estimate how likely you are to file a claim.

Take a look at the chart below to see how average monthly insurance rates in Crestview compare to other cities across Florida.

City	Full Coverage Insurance	Liability Insurance Coverage
Crestview	$187	$60
Jacksonville	$219	$74
Orlando	$256	$94
Tampa	$200	$126
Fort Myers	$309	$116

How Bundling Your Car and Homeowners Insurance Can Save You Money in Crestview

Bundling your home and auto insurance policies offers more than just convenience—it can also result in meaningful cost savings. Insurance providers often reward customers who place multiple policies with them, viewing it as a sign of loyalty and confidence in their service and pricing.

In many cases, this can lead to discounted premiums across both policies, with potential savings reaching up to 25%, depending on the provider. For this reason, it’s wise to consult with a local independent insurance agent. They can compare options across multiple carriers and present you with the most competitive and comprehensive choices for your needs.

What Types of Car Insurance Discounts Are Available in Crestview?

There are several strategies that can help you reduce your insurance costs—bundling is just one of them. The way your policy is structured also plays a significant role. For instance, choosing a higher deductible typically results in a lower premium.

In addition, many insurance providers offer a range of discounts based on specific criteria. Common examples include:

• Military service
• Anti-theft device installation
• Long-term customer loyalty
• Completion of a driver safety course
• Maintaining good academic performance (for students)
• Driving fewer miles annually

Consulting with an experienced agent can help ensure you’re taking advantage of every discount available to you.

Notable Car Insurance Laws in Crestview

Florida follows a no-fault insurance system, meaning that after an accident, each driver’s insurance company is responsible for covering their own medical expenses, regardless of who was at fault—up to the limits specified in their policy.

Although the state sets minimum coverage requirements, drivers can choose to increase those limits to ensure greater financial protection in the event of a serious accident.

What Are the Mandatory Car Insurance Requirements in Crestview?

Car insurance requirements in Crestview are governed by the state of Florida. If you are financing or leasing your vehicle, your lender may require additional coverage such as collision and comprehensive insurance. However, to legally drive in Florida, the following minimum coverages are mandatory:

• Personal Injury Protection (PIP): Minimum coverage of $10,000. PIP pays for medical expenses and lost wages for you and your passengers, regardless of who caused the accident.
• Property Damage Liability (PDL): Minimum coverage of $10,000. PDL covers damages to another person’s property—such as their vehicle or home—if you are found at fault in an accident.

Drivers in Crestview can choose to add other types of coverage, like Bodily Injury Liability or Uninsured Motorist, for additional protection beyond the state minimums.

What Is the Penalty for Driving Without Insurance in Crestview?

Driving without insurance in Crestview, as in the rest of Florida, can lead to serious penalties. If you’re caught, your license and vehicle registration can be suspended for up to three years, and you’ll need to pay a reinstatement fee—$150 for a first offense, $250 for a second, and $500 for third or subsequent violations within three years.

You may also be required to file an SR-22, which proves you have the minimum required coverage and typically leads to higher insurance costs. If you’re involved in an accident without insurance, you could be held personally responsible for all damages, medical bills, and legal fees.

To avoid these consequences, Florida law requires that you maintain continuous coverage with at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). If you’re no longer driving your vehicle, be sure to surrender your license plate before canceling your policy to stay in compliance.

What Factors Go into My Car Insurance Cost in Crestview?

Several factors go into determining your car insurance cost in Crestview. While some are personal, others are tied to your location and local risk levels. Here are some of the key factors insurers consider:

• Driving Record: A clean driving history with no accidents or violations typically leads to lower premiums. On the other hand, a record with speeding tickets, DUIs, or past claims can raise your rates.
• Location: Living in Crestview means your rates will reflect local risk factors such as accident frequency, theft rates, and even weather patterns. Areas with higher crime or accident rates may lead to higher premiums.
• Vehicle Type: The make, model, age, and safety features of your vehicle play a role. Expensive or high-performance cars usually cost more to insure, while vehicles with good safety ratings may qualify for discounts.
• Coverage Level: The more coverage you select—such as comprehensive, collision, or higher liability limits—the more you’ll pay. Opting for minimum required coverage will cost less but offers limited protection.
• Credit History: In Florida, insurers are allowed to use your credit score as a rating factor. A higher credit score may result in lower premiums.

Working with a local independent agent in Crestview can help you compare rates and find coverage that fits both your needs and your budget.

Typical Driving Conditions in Crestview

Crestview’s driving conditions are shaped by its rapid growth and role as a regional hub in Okaloosa County. State Road 85 (Ferdon Boulevard) is the city’s main artery and sees heavy congestion during rush hours, especially near Interstate 10 and intersections like PJ Adams Parkway, Redstone Avenue, and Stillwell Boulevard. Traffic is often impacted by commuters heading to Eglin Air Force Base, school zones, and local shopping areas.

The city has few major east-west roads, so any accidents or construction can quickly cause delays. Summer thunderstorms frequently reduce visibility and create slick roads, and hurricane season brings the potential for road closures and evacuation traffic.

While many neighborhood streets are calm, the city’s growing population continues to strain local infrastructure. Drivers in Crestview should stay alert, especially during peak hours or severe weather.

How Many Fatal Car Accidents Happen in Crestview Per Year?

The chart below shows the total number of fatal crashes in Crestview between 2022 to 2023 compared to four other Florida cities:

City	Total Fatal Crashes in 2023
Crestview	3
Miami	67
Arcadia	3
Fort Lauderdale	32
Gainesville	17

How Many Uninsured/Underinsured Motorists Are in Crestview?

Florida consistently ranks among the states with the highest percentage of uninsured drivers—estimates suggest that roughly one in four drivers on the road has no insurance at all. If you’re involved in an accident caused by one of these drivers and your vehicle is totaled, there may be no insurance coverage to help you repair or replace it.

While you could pursue legal action, it often leads nowhere if the other driver lacks assets. A more practical solution is to add uninsured motorist (UM) coverage to your policy. This affordable option can provide compensation for vehicle damage and includes a bodily injury component to help cover medical expenses if you’re injured.