Find Cheap Car Insurance in Crestview, FL

Crestview is nestled in Okaloosa County in the upper part of the Sunshine State, and has a rich history steeped in its nickname “The Hub City.” Established in 1916, Crestview’s growth has been sustained by its prime location near key transportation routes, attracting both residents and visitors alike.

Home to approximately 29,000 residents, Crestview has a past tied to the American Civil War. The city’s vibrant cultural landscape includes a variety of museums and art galleries that celebrate its heritage and showcase local artistic talent.

When hitting the road in Florida, having reliable car insurance is a must. Enter Acceptance Insurance, your go-to source for cheap and custom-tailored coverage that fits your driving needs, no matter your past record. Keep reading and discover the best savings for drivers across the region.

When it comes to keeping your car safe in Crestview, basic liability auto coverage costs around $60 per month, slightly higher than the national average of $52.

Upgrading to full car coverage could run you about $187 monthly, a bit more than the national average of $168 but still more affordable than Florida’s average of $340.

What Does It Mean If Florida Is a No-Fault State?

Did you know that Florida works on a no-fault system for auto insurance? This means that your policy will cover you for injuries and medical costs from an accident, regardless of who’s at fault.

State law requires property damage liability (PDL) insurance to handle any damage to someone else’s property.

Even though premiums may be higher with this no-fault setup, the good news is you won’t have to wait around for fault to be decided after an accident to get assistance from your insurance.

If Crestview is your hometown, exercising caution while driving is essential, as the proximity to beaches can lead to high traffic levels at times. Additionally, the likelihood of accidents in the area may impact the insurance premiums you pay for residing in this city. In the table below, you can find the average car insurance costs in various cities across Florida.

Compare Car Insurance Rates by Zip Code in Crestview

Insurance companies also factor in your zip code when gauging the risk of insuring you. Take a peek at the table below to compare the average premiums in the two zip codes of Crestview.

Low-Cost Car Insurance Rates by Age in Crestview

The price of your policy can really be influenced by your age, particularly younger drivers who often get hit with higher premiums. If you’re a fresh face on the road, you might find yourself feeling the strain when it comes to costs.

Don’t forget to peek at the table below to compare the average insurance costs for different age groups in Crestview.

*To calculate average costs, we utilize the following method: a 30-year-old male, with state minimum liability and full coverage of 100/300/100.

How Many Fatal Accidents Happen Per Year in Crestview, Florida?

The Sunshine State experiences a high number of accidents annually, leading to approximately 3,000 deaths each year.

According to information from the Florida Highway Safety and Motor Vehicles, numerous crash reports are submitted annually in Okaloosa County, encompassing Crestview. In 2023, there were 3,190 crashes resulting in 19 fatalities in Okaloosa County. The subsequent year saw an increase in the number of crashes to 3,300, with 28 deaths reported.

It’s important to exercise caution and prioritize safety on the roads, as all accidents can have an impact on your insurance premiums.

Are Road Infrastructure and Bridges in Crestview well maintained?

Many of Crestview’s roads and infrastructure are in excellent shape thanks to the various improvement projects undertaken by the state and county.

For instance, by 2025, the $25.08 million project to repave the section of SR 85 from north of SR 123 to Hospital Dr will be finished. Furthermore, in 2026, the new Interstate 10 interchange in Crestview, the future Exit 53, will be completed. As these projects continue, authorities remind everyone to drive safely, avoid speeding, and always remember to buckle up for safety.

If you find yourself behind the wheel in and around Crestview, or anywhere else under the Florida sun, it’s important to remember a few key points to safeguard your vehicle:

• Verify that your property damage liability insurance has a minimum of $10,000 coverage per accident.
• Ensure your Personal Injury Protection (PIP) includes at least $10,000 for medical bills and other costs.

For added protection, think about opting for full coverage and increasing your limits beyond the standard requirements.

Driving without the proper auto insurance in Florida can lead to some serious consequences, including:

• Having to pay a $150 fee to reinstate your license and registration, and potentially dealing with a 3-year suspension for a first offense
• Being required to pay a $250 reinstatement fee for subsequent violations within 3 years, with fees increasing for each additional offense
• Being personally responsible for covering all damages if you cause an accident without insurance
• Needing to obtain an SR-22 certificate and purchase bodily injury liability coverage after a serious collision
• Possibly facing heavier fines and a 3-year suspension of your driver’s license, plates, and registration in more severe situations.

When selecting the most suitable auto insurance for your needs, it’s important to consider a variety of factors that can influence your premiums, including:

• Your driving record
• The make, model, and year of your vehicle
• Your credit score
• The coverage limits and deductibles you choose
• Your marital status

Driving in the state of Florida offers a mix of challenges. From the city life in Miami and the theme park paradise of Orlando to the Gulf Coast charm of Tampa, there’s always something to see and do. However, navigating through the traffic congestion in these cities can test even the most patient drivers. Adding to the complexity are Florida’s unpredictable weather patterns, with sudden downpours and occasional storms making driving conditions tricky.

In Crestview, staying informed about ongoing construction projects is essential for efficiently planning your routes. It is imperative to exhibit patience and remain vigilant while driving to ensure your safety and fully embrace the city’s ongoing transformations.

If you’re trying to bring down your car insurance costs, consider taking advantage of these driver discounts:

Remember, maintaining a clean driving record and exploring all available discounts can lead to significant savings on your premiums. So, contact your local agent and start exploring how you can maximize your savings while ensuring you’re adequately covered on the road.