6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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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Cheapest recent rates near West Palm Beach, Florida
Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $81/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 April 25, 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 April 25, 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 April 25, 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 April 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The average monthly cost of insurance in West Palm Beach is $300 for liability only and $368 for full coverage, which is higher than the state averages of $214 and $299 for the same coverages. The area’s high number of crashes and susceptibility to flooding and King 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 $4,410 for full-coverage policies.
Palm Beach County reported more crashes in 2022 than every other Florida county except Broward and Miami-Dade.[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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability
Best For
Hugo
3.3
$103
$77
Liability-only coverage
State Farm
4.5
$81
$70
Teens
GEICO
4.2
$83
$72
Drivers 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.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
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
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.
$100/mo
Hugo may have launched in 2020, but the tech-based insurer is already offering the lowest average liability-only quotes in West Palm Beach. It offers on-demand plans to some customers, although Florida policyholders can only take advantage of the company’s Basic plan. Hugo’s offerings are limited, so West Palm Beach drivers looking for extensive coverage options might need to seek out a traditional insurer.
My car's registration has been suspended because Hugo failed to report to the state that I have insurance.
Ronald - March 8, 2024
Verified
Hugo gradually increases prices like other insurance companies
I was initially fond of Hugo. However, over the past year, they have increased their rates by almost $1 per day, which amounts to $30 per month. This increase happened despite no changes on my end, except for turning 35, an age I thought would result in a decrease in my rates.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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++
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.
$104/mo
Teens and young adults have higher policy premiums than older drivers, but State Farm 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
Highest AM Best financial strength rating
Cons
No gap insurance
Generally negative Trustpilot and Better Business Bureau (BBB) reviews
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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++
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.
$107/mo
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
The customer service is poor and very unprofessional. It's impossible to speak to an agent.
Betty - April 23, 2024
Verified
Unexpected Increase in Premium
Everything was very good until I purchased a new car and my insurance premium skyrocketed!
…
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 deductible 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.
Find Cheap Car Insurance in West Palm Beach
Liability rates start at $90 per month
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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 $300 per month, and you can see a collection of rates offered by top insurers here.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
90
GEICO
93
Hugo
100
Allstate
157
Safeco
172
Mile Auto
175
Travelers
187
Mercury
194
Liberty Mutual
205
Direct Auto
209
Midvale Home & Auto
232
Progressive
236
Infinity
265
Foremost
278
AssuranceAmerica
308
National General
406
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 $368 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 something, even if you’re at fault; and comprehensive insurance, which covers damages from non-driving incidents like floods and fires.
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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
104
GEICO
107
Hugo
114
Allstate
181
Travelers
218
Mercury
228
Safeco
235
Mile Auto
243
GAINSCO
286
Infinity
309
Liberty Mutual
313
Midvale Home & Auto
334
Direct Auto
335
Progressive
335
National General
408
Foremost
410
AssuranceAmerica
420
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.
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:
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.
Gap coverage
Gap insurance pays for the gap between your auto loan balance and the insurance settlement after a total loss.
Rental car reimbursement coverage
This pays for rental car expenses while your vehicle is in the shop for covered repairs.
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 $102 for drivers with an incident
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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 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 $355 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 car insurance quotes from the cheapest insurers in West Palm Beach.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
90
103
GEICO
93
108
Hugo
100
130
Allstate
157
182
Safeco
172
219
Mile Auto
175
228
Travelers
187
222
Mercury
194
264
Liberty Mutual
205
259
Direct Auto
209
252
Progressive
236
287
Infinity
265
319
AssuranceAmerica
308
385
National General
406
476
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 $383 per month.
The table below shows the cheapest car insurance companies in West Palm Beach for drivers with an at-fault accident.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
90
112
GEICO
93
117
Hugo
100
126
Allstate
157
197
Safeco
172
237
Mile Auto
175
247
Travelers
187
238
Mercury
194
281
Liberty Mutual
205
278
Direct Auto
209
272
Progressive
236
308
Infinity
265
318
AssuranceAmerica
308
404
National General
406
520
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, and the county reported more DUI arrests in 2019 than most Florida counties.[6] Florida also had a higher alcohol-impaired driving death rate than the nation in 2018.[7] With drinking and driving leading to thousands of deaths 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 $443 per month, on average.
Here are the cheapest average quotes for drivers in West Palm Beach with a DUI.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
90
136
GEICO
93
141
Hugo
100
139
Allstate
157
238
Safeco
172
260
Mile Auto
175
276
Travelers
187
283
Mercury
194
302
Liberty Mutual
205
310
Direct Auto
209
316
Progressive
236
357
Infinity
265
401
Foremost
278
421
AssuranceAmerica
308
466
National General
406
615
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: State Farm
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.[8] Even though years of experience lead to insurance decreases around age 35, a loss of vision, cognition, or other physical functions in old age can increase the likelihood of an accident; that’s why senior rates may be higher.[9]
The average rate for liability coverage for seniors in West Palm Beach is $251 per month. Despite these slight increases, senior drivers in West Palm Beach pay lower rates than younger drivers.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
70
81
GEICO
74
85
Allstate
128
147
Mile Auto
135
188
Safeco
147
201
Travelers
149
173
Mercury
160
188
Direct Auto
163
261
Liberty Mutual
169
259
Progressive
172
244
AssuranceAmerica
231
315
National General
331
333
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.[10]
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.
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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
GEICO
135
156
State Farm
143
166
Hugo
168
192
Allstate
257
296
Safeco
287
391
Travelers
315
367
Mile Auto
316
439
Liberty Mutual
321
490
Mercury
333
391
Direct Auto
356
571
Progressive
395
561
Infinity
414
482
Foremost
463
683
AssuranceAmerica
555
757
National General
722
726
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
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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.[11]
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 $300 per month for liability coverage and $368 per month for full coverage. For comparison, Florida’s average cost of car insurance is $214 per month for liability coverage and $299 per month for full coverage.
More cities in Florida
Looking at other cities in South Florida, most have cheaper quotes on average than West Palm Beach, except for Tampa, which has slightly higher rates.
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 $300 per month for liability coverage and $368 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 $90. GEICO and Hugo also offer affordable coverage, with respective monthly liability rates of $93 and $100.
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.
The Florida Senate. "26.9741 Use of credit reports and credit scores by insurers.."
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.
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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