Cheapest Auto Insurance in West Palm Beach, Florida (2024)

State Farm offers the cheapest rates in West Palm Beach, starting at $93 per month.

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Cheapest recent rates near West Palm Beach, Florida

Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $71/mo for full coverage in West Palm Beach and other Florida cities.

*Quotes generated for Insurify users in and around West Palm Beach, Florida within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around West Palm Beach, Florida within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Written byNick Dauk
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Nick Dauk
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Mark Friedlander
Reviewed byMark Friedlander
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Mark FriedlanderDirector, Corporate Communications, Triple-I
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Updated October 30, 2024

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The average monthly cost of insurance in West Palm Beach is $283 for liability only and $332 for full coverage, which is higher than the state averages of $165 and $257 for the same coverages. The area’s high number of crashes and susceptibility to storm damage and King Tide flooding Tides likely contribute to its higher average rates.[1]

One insurer may have a cheaper average rate but not have the coverage you need, while another insurer may have a higher average rate but offer you discounts that reduce your premiums. Here’s what you need to know about comparing quotes and finding the best prices in West Palm Beach.

Quick Facts
  • State Farm, GEICO, and Hugo have the cheapest car insurance in West Palm Beach.

  • West Palm Beach drivers pay a yearly average of $3,990 for full-coverage policies.

  • Palm Beach County reported more than 26,000 crashes in 2023, including 171 fatal accidents that claimed 182 lives.[2]

3 of the cheapest car insurance companies in West Palm Beach

Insurify strives to offer car insurance insights for drivers and identifies the best and cheapest car insurance companies in your area. But the best auto insurance company for you will depend on your situation and needs. Start with these insurers while you shop for the best quotes.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability
Best For
Hugo7.0N/A$337Minimum coverage
State Farm9.3$83$66Teens
GEICO9.0$85$68Drivers with incidents
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Best insurer for minimum coverage: Hugo

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$101/mo
4.1
Best choiceBased on 114 verified guest reviews and ratings
How drivers feel about Hugo

Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo

Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (43)

Dawn

October 21, 2024

Verified Review

Paying Too Much

It's pretty expensive and they don't really provide much coverage.

Kimberly

September 21, 2024

Verified Review

Hugo Whoa!

It's steep, but convenient.

Sheila

September 10, 2024

Verified Review

Great in a Pinch

It's good when you need it on the spot and don't have a lot of money because you pay daily. However, it's very expensive in the long run.
See all Hugo reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Drivers who only need state minimum coverage may want to consider Hugo. The pay-as-you-go insurer sells policies for as little as three days at a time and up to six months, allowing you to make micropayments. Hugo only sells state-minimum liability coverage, so if you need higher limits, or full coverage, you'll need to consider a different insurer.

Pros
  • Flexible payment options

  • Online policy access and adjustment

Cons
  • No full coverage option

  • No FR-44 or full-coverage policies offered

Best insurer for teens: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$109/mo
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)

Jannie

October 29, 2024

Verified Review

Good

The insurance is higher than other companies' policies.

Marsha

October 29, 2024

Verified Review

Friendly agents!

Check out their prices!

Linda

October 29, 2024

Verified Review

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Teens and young adults have higher average policy premiums than older drivers, but State Farm, the largest U.S. auto insurer by market share, helps mitigate this by offering multiple discounts. Bundling options are available to lower your premiums further, no matter if you’re a new driver or a parent adding a teen to your policy.

Pros
  • Multiple discounts and bundles available

  • A++ (Superior) financial strength rating from AM Best, the highest level possible

Cons
  • No gap insurance

  • Accident forgiveness limited to long-time customers

Best insurer for drivers with incidents: GEICO

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$113/mo
4.0
Best choiceBased on 10113 verified guest reviews and ratings
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,563)

Herman

October 29, 2024

Verified Review

Excellent

For us, it came down to cost and having all of our insurance with the same company, not farmed out.

Greg

October 29, 2024

Verified Review

It's Expensive

It's expensive.

Robert

October 29, 2024

Verified Review

Unpleasant Experience on Cape Cod

My insurance has gone from $37 a month to $82. Stay far away from this company.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Clean records tend to lead to the best rates, but if you have a DUI, speeding ticket, or at-fault accident on your record, turn to GEICO to find some of the lowest rates in West Palm Beach. GEICO can also facilitate FR-44 filings for policyholders with a DUI. If you’re improving your driving record or adding a driver who has an imperfect record, you could try to lower your rates further with the company’s DriveEasy telematics app.

Pros
  • Offers FR-44 filings

  • Some of the lowest rates for driving incidents

Cons
  • Accident forgiveness only applies to first accidents

  • No gap insurance available

How to get the cheapest car insurance in West Palm Beach

Your driving record is just one of the many factors influencing your rates, and finding the cheapest car insurance in West Palm Beach involves identifying other factors that can lower your premium. Consider these money-saving tips:

  • Reconsider your coverage. Reduce optional insurance on vehicles with values less than 10 times the cost of your annual premium.

  • Change your deductible. Raise your comprehensive and collision deductibles to potentially lower your premium costs; just be sure you can afford the out-of-pocket cost if you ever file a claim.

  • Monitor your credit score. Florida car insurance companies can use your credit history when determining rates, so maintain a good credit history and review your credit report regularly for inaccuracies.

  • Ask about discounts. Call an insurance agent and ask which discounts you might qualify for. The more discounts available, the lower your rates may be.

  • Shop quotes often. Compare rates whenever your policy is up for renewal to see which insurer can offer you the lowest premiums for the same coverage levels. Insurance professionals recommend you get at least three quotes when shopping for car insurance.

Find Cheap Car Insurance in West Palm Beach

Liability rates start at $93 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in West Palm Beach: State Farm

Liability-only car insurance is typically the minimum insurance coverage a state requires. While the requirements may differ by state, these policies generally cover the bodily injuries and property damages that the at-fault driver causes. In some states, like Florida, bodily injury liability insurance isn’t required; instead, personal injury protection (PIP) coverage is.

The average rate for liability insurance in West Palm Beach is $283 per month, and you can see a collection of rates offered by top insurers here.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
State Farm$93
GEICO$96
Hugo$101
Mile Auto$162
Allstate$163
Safeco$183
Travelers$193
Mercury$195
Liberty Mutual$201
Direct Auto$208
Midvale Home & Auto$237
Progressive$242
Infinity$250
Foremost$276
GAINSCO$291
National General$391
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in West Palm Beach: State Farm

The easiest way to remember the differences between liability-only and full-coverage car insurance is that liability generally pays for damages you cause to others in an accident, while full coverage generally pays for the damages you cause and the ones you incur. As such, full coverage is more expensive than liability insurance. West Palm Beach drivers pay a monthly average of $332 for full coverage.

Most insurers consider full-coverage policies to be a combination of liability-only coverage and two other coverages: collision insurance, which covers damages from your car hitting another vehicle or stationary object, even if you’re at fault; and comprehensive insurance, which covers damages from non-driving incidents like theft, flood and fire.

Drivers who are concerned about damage from severe weather, animal activity, hitting potholes, or jumping curbs may want to consider full-coverage policies. The table below shows the insurance companies with the lowest average quotes for full-coverage car insurance in West Palm Beach.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
State Farm$109
GEICO$113
Allstate$191
Safeco$221
Mile Auto$225
Travelers$226
Mercury$234
GAINSCO$322
Liberty Mutual$341
Progressive$342
Infinity$347
Midvale Home & Auto$355
Direct Auto$375
National General$407
Foremost$419
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near West Palm Beach, Florida

Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $71/mo for full coverage in West Palm Beach and other Florida cities.

*Quotes generated for Insurify users in and around West Palm Beach, Florida within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around West Palm Beach, Florida within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Florida

As a no-fault state, Florida requires all drivers to carry a minimum amount of personal injury protection. PIP pays for your injuries, no matter which driver is at fault. Florida state law also requires all drivers to carry a minimum amount of property damage liability insurance.

Here are the minimum coverage limits Florida drivers must purchase:[3]

Coverage
Minimum Requirements
Personal injury protection (PIP)$10,000 per accident
Property damage liability$10,000 per accident

Florida’s minimum required insurance provides some coverage, but many drivers in West Palm Beach may want more coverage that protects them during other incidents. Along with comprehensive and collision insurance, these optional coverages may be useful for Florida drivers:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for damages to you or your car if you’re in an accident where the at-fault driver doesn’t hold enough insurance to cover damages. It also covers damage from a hit-and-run accident.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap insurance pays for the gap between your auto loan or lease balance and the insurance settlement after a total loss.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement coverage

    This pays for rental car expenses while your vehicle is in the shop for covered repairs.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Accident forgiveness

    Purchasing this optional coverage when you initiate a policy can help you avoid rate increases following your first at-fault accident. You'll generally need at least three years of driving experience with a clean record to qualify for this coverage.

How Much Car Insurance Do You Need?

How Much Car Insurance Do You Need?

Cheapest car insurance for drivers with an incident

If you don’t have incidents on your driving record, you’ll generally pay lower premiums. But moving violations, such as speeding tickets, at-fault accidents, and driving under the influence, can make your insurance prices increase even after one occurrence.

Insurance companies consider your driving record when determining your rates, and how much your car insurance increases after an incident depends on its severity and the claim amount.[4]

Find Car Insurance in West Palm Beach

Monthly rates start at $108 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding doesn’t always cause an accident, but high speeds are a common contributing factor in many fatal car accidents per year.[5] Insurers consider speeding an irresponsible driving habit, which is why they may raise your rates for several years when you get a speeding ticket, even if you don’t cause an accident.

The average monthly rate for liability coverage in West Palm Beach is $343 for drivers with a speeding ticket on their record.

Rate increases could be based on how much you exceeded the speed limit or your history of moving violations. If you have a speeding ticket, use the table below to compare average liability-only car insurance quotes from the cheapest insurers in West Palm Beach.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm$93$110
GEICO$96$115
Hugo$101$120
Mile Auto$162$201
Allstate$163$195
Safeco$183$223
Travelers$193$233
Mercury$195$252
Liberty Mutual$201$262
Direct Auto$208$249
Progressive$242$289
Infinity$250$312
Foremost$276$360
GAINSCO$291$380
National General$391$471
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Whether it be a fender bender or a head-on collision, most at-fault accidents will raise your premiums. Even other accidents that happen in West Palm Beach, whether you’re involved in them or not, will influence premiums, and Palm Beach County has some of the highest crash rates in Florida.[2]

The average rate for liability coverage in West Palm Beach for drivers with an accident on their record is $371 per month.

The table below shows the cheapest liability-only car insurance companies in West Palm Beach for drivers with an at-fault accident.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Accident
State Farm$93$119
GEICO$96$124
Hugo$101$139
Mile Auto$162$219
Allstate$163$210
Safeco$183$230
Travelers$193$250
Mercury$195$268
Liberty Mutual$201$278
Direct Auto$208$273
Progressive$242$315
Infinity$250$316
Foremost$276$381
GAINSCO$291$358
National General$391$506
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Driving under the influence is a problem in Palm Beach County. Alcohol was a factor in 385 crashes in the county throughout 2023, and caused nine deaths.[2] With drinking and driving leading to thousands of deaths across the country each year, it should be no surprise that insurers take DUIs seriously and raise a convicted driver’s rates significantly.

Liability insurance for West Palm Beach drivers with a DUI costs $428 per month, on average.

Here are the cheapest average liability-only quotes for drivers in West Palm Beach with a DUI.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With DUI
State Farm$93$147
GEICO$96$152
Hugo$101$160
Mile Auto$162$256
Allstate$163$258
Safeco$183$289
Travelers$193$305
Mercury$195$281
Liberty Mutual$201$318
Direct Auto$208$329
Progressive$242$383
Infinity$250$395
Foremost$276$436
GAINSCO$291$460
National General$391$618
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: GEICO

Approximately 20% of West Palm Beach’s population are adults aged 65 or older, and these drivers often see their rates rise around age 70.[6] Even though years of experience lead to insurance decreases around age 25, accident risks increase for seniors, leading to higher rates.[7] 

The average rate for liability coverage for seniors in West Palm Beach is $226 per month. Despite these slight increases, senior drivers in West Palm Beach pay lower rates than teen and young adult drivers.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
State Farm$71$83
GEICO$75$89
Mile Auto$120$167
Allstate$129$151
Mercury$149$178
Travelers$149$174
Safeco$151$183
Direct Auto$160$288
Liberty Mutual$165$280
Progressive$170$241
Infinity$187$259
Foremost$216$327
GAINSCO$240$266
National General$295$308
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: GEICO

Car insurance for teen drivers in West Palm Beach can cost thousands of dollars a month, on average. Teens have a higher fatal crash rate than other age groups, which is why their rates are often higher.[8]

Teens in West Palm Beach pay an average of $460 per month for liability coverage.

While teens and young drivers should expect rates to be high, you can still save money apart from avoiding speeding tickets and at-fault accidents. Getting a safe car, qualifying for good student discounts, and staying on a parent’s policy can help lower insurance costs. Keep in mind, if you're younger than 18, you won't be able to buy your own car insurance policy without the written consent of a parent or guardian.

Here are the cheapest car insurance companies for teens and young adults in West Palm Beach.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
GEICO$146$172
State Farm$153$179
Allstate$278$326
Mile Auto$304$423
Travelers$337$394
Mercury$338$406
Liberty Mutual$344$583
Safeco$355$428
Direct Auto$366$660
Progressive$416$588
Infinity$440$610
Foremost$474$720
GAINSCO$490$543
National General$747$777
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in West Palm Beach

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

West Palm Beach car insurance quotes by credit tier

Credit scores can influence your insurance premiums, even if you have a clean driving record. Florida state law allows insurers to use a driver’s credit history to determine their level of claims risk, but it can’t be the only factor they use.[9] 

Drivers with excellent or good credit scores typically receive better rates than drivers with poor credit scores.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in West Palm Beach?

Car insurance in West Palm Beach is more expensive than in many other Florida cities. The average cost of car insurance in the city is $283 per month for liability coverage and $332 per month for full coverage. For comparison, Florida’s average cost of car insurance is $165 per month for liability coverage and $257 per month for full coverage.

More cities in Florida

Looking at other cities in Florida, most have cheaper quotes on average than West Palm Beach, except for Tampa, which has slightly higher rates.

City
Full Coverage
Liability Only
Cape Coral$248$180
Clearwater$264$218
Fort Lauderdale$325$249
Jacksonville$266$187
Miami$373$258
Ocala$230$158
Orlando$289$202
Pensacola$256$160
Tallahassee$240$152
Tampa$362$293
Winter Haven$293$201
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

West Palm Beach car insurance FAQs

Check out Insurify’s study on the states with the highest rates of uninsured drivers, and learn more about West Palm Beach car insurance below.

  • How much is car insurance in West Palm Beach?

    The average cost of car insurance in West Palm Beach is $283 per month for liability coverage and $332 per month for full coverage.

  • Which company has the cheapest car insurance in West Palm Beach?

    State Farm has the cheapest car insurance in West Palm Beach, with monthly liability rates as low as $93. GEICO and Hugo also offer affordable coverage, with respective monthly liability rates of $96 and $101.

    But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.

  • What are the best car insurance companies in West Palm Beach?

    Some of the best car insurance companies in West Palm Beach include GEICO, Hugo, and State Farm. These companies have lower rates than many other insurers in the area and strong customer satisfaction and financial stability ratings. But you should always compare quotes from multiple insurers at the same coverage levels to find the company that offers you the best rate for your specific insurance needs.

  • What car insurance coverage do you need in Florida?

    Florida requires drivers to purchase $10,000 in personal injury protection coverage and $10,000 in property damage liability coverage.[3] These requirements are much less than many other states’ requirements.

  • Are Florida insurance rates really as high as people say they are?

    Yes. Compared to many other states, Florida has one of the highest average insurance rates. Its susceptibility to severe weather, high rate of tourism, low insurance requirements compared to other states, and crash rates contribute to its higher cost of car insurance.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Palm Beach County. "Flood."
  2. Florida Department of Highway Safety and Motor Vehicles. "Crash Dashboard."
  3. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  4. III. "Do auto insurance premiums go up after a claim?."
  5. NHTSA. "Speeding and Aggressive Driving Prevention."
  6. U.S. Census Bureau. "QuickFacts: West Palm Beach city, Florida."
  7. III. "Senior driving safety and insurance tips."
  8. Florida Department of Transportation. "The 100 Deadliest Days for Teen Drivers."
  9. The Florida Senate. "26.9741 Use of credit reports and credit scores by insurers.."
Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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