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7+ years in personal finance writing
Small business blogger
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Updated
Because of Boca Raton’s high population density, higher-than-average incomes, and hurricane risk, car insurance is more expensive than Florida’s average cost. Boca Raton drivers pay an average of $263 per month for full coverage and $155 for a liability policy.
Rates in Boca Raton are slightly lower than in Miami, which has some of the state’s most expensive insurance rates. In contrast, Boca Raton’s rates are higher than in nearby Jupiter, which has some of Florida’s cheapest car insurance rates.
Progressive has the cheapest liability coverage in Boca Raton, and State Farm offers the cheapest full-coverage insurance. Car insurance premiums in Boca Raton are significantly higher than the Florida average.
Florida law requires drivers to carry at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL).[1] While PIP covers your medical expenses regardless of who caused the accident, PDL helps pay for vehicle and property damage you cause.[2]
In addition to the state-minimum requirements, it’s wise to consider full-coverage auto insurance in Boca Raton, even if you own your car outright. Atlantic Coast hurricanes and tropical storms can be severe, and without comprehensive coverage, you’ll have to pay for flood and storm damage out of your own pocket.
The table below shows the cheapest average rates for liability-only and full-coverage car insurance in Boca Raton.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Progressive | $78 | $143 |
| State Farm | $80 | $129 |
| Clearcover | $86 | $209 |
| Mile Auto | $86 | $160 |
| GEICO | $91 | $187 |
| Embark | $104 | $254 |
| Dairyland | $105 | $316 |
| Infinity | $110 | $224 |
| Direct Auto | $119 | $201 |
| GAINSCO | $120 | $283 |
| Mercury | $121 | $179 |
| The General | $127 | $242 |
| Bristol West | $136 | $211 |
| Allstate | $139 | $223 |
| AssuranceAmerica | $139 | $253 |
| National General | $144 | $188 |
| Root | $158 | $283 |
| Travelers | $166 | $265 |
| Mendota | $224 | $349 |
| First Acceptance | $227 | $331 |
| Liberty Mutual | $228 | $298 |
Insurify Car makes it affordable and easy to get same-day liability coverage
Florida cities with a lower population density, such as Vero Beach, Milton, and Venice, have some of the lowest car insurance rates in the Sunshine State. These cities also have median incomes in line with the Florida average.
Boynton Beach and Miami Gardens have some of the highest car insurance premiums in Florida, due in part to lower median incomes and high population density.
By contrast, Boca Raton’s median income is about 40% higher than the Florida average, according to the U.S. Census Bureau. The city’s high population density, affluent population, and concentration of luxury vehicles contribute to higher-than-average car insurance rates.
The following table highlights the average cost of car insurance in various Florida cities.
City | Average Monthly Quote |
|---|---|
| Apopka | $185 |
| Boca Raton | $209 |
| Cape Coral | $165 |
| Clearwater | $172 |
| Davenport | $185 |
| Daytona Beach | $174 |
| Fort Lauderdale | $214 |
| Fort Myers | $176 |
| Gainesville | $154 |
| Jacksonville | $184 |
| Jupiter | $161 |
| Lakeland | $173 |
| Melbourne | $158 |
| Miami | $235 |
| Naples | $159 |
| Ocala | $167 |
| Orlando | $204 |
| Palm Bay | $166 |
| Panama City | $144 |
| Pensacola | $157 |
| Pompano Beach | $217 |
| Riverview | $215 |
| St. Petersburg | $182 |
| Sarasota | $154 |
| Spring Hill | $194 |
| Tallahassee | $164 |
| Tampa | $236 |
| West Palm Beach | $219 |
| Winter Haven | $178 |
Traffic in Boca Raton is highly seasonal. Snowbirds and students at Florida Atlantic University (FAU) create a heavy influx of people in the fall, winter, and spring.
About 20,000 students from FAU take classes at the university’s Boca Raton campus every year.
Summer is prime roadwork season in Palm Beach County. More than 200 road and construction projects are in progress throughout the area during summer 2026.
Watch out for lane closures and shifting traffic patterns to avoid collisions, and allow extra time for travel. You can visit the FL511 website for real-time traffic information.
If you’re visiting Sanborn Square downtown or attending an event at the Mizner Park Amphitheater, look for the free parking lots at City Hall and the Downtown Library. Mizner Park also has four free parking lots, and plenty of on-street metered parking is available.
Pay attention to afternoon forecasts, because flash flooding in Boca Raton can ruin your day (and perhaps your car). One afternoon in October 2025, a billion gallons of water fell in just two hours, stranding cars and people across the city.[3]
In Palm Beach County, roughly 26,000 crashes occurred during 2025, according to Florida Department of Highway Safety data. Because Florida is a “no-fault” state, your insurance policy covers your medical expenses after a car accident, no matter who was at fault.
Drivers who have a clean driving record typically pay lower rates. But if a police officer catches you driving under the influence (DUI) in Florida, insurers will view you as a high-risk driver and charge you much higher rates.
You’ll typically need SR-22 insurance to reinstate your license, and you’ll also face severe penalties.
In addition to assessing you fines between $500 and $1,000, the state can imprison you for up to six months, and you’ll lose your license for at least 180 days.[4] Boca Raton takes DUI seriously: The Boca Raton Police Services Department has two DUI enforcement officers.
This table shows average monthly car insurance rates in Boca Raton by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $209 |
| Speeding ticket | $244 |
| At-fault accident | $266 |
| DUI | $272 |
Your age significantly influences your car insurance rates. Younger drivers in Boca Raton, especially teenagers, have less driving experience and typically pay higher premiums.
About 1 in 4 Boca Raton residents is 65 or older, according to the U.S. Census Bureau. That’s a much higher share than the Florida and national averages. Senior drivers usually pay the lowest auto insurance rates.
The table below shows the cheapest Boca Raton liability auto insurance rates by age group.
Age | Average Monthly Quote |
|---|---|
| Teens | $273 |
| 20s | $192 |
| 30s | $171 |
| 40s | $167 |
| 50s | $154 |
| 60s | $145 |
| 70+ | $149 |
*Quotes generated for Insurify users in and around Boca Raton, Florida within the last 10 days. Last updated on June 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Boca Raton, Florida within the last 10 days. Last updated on June 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
To find the best car insurance company in Boca Raton, look for answers to frequently asked questions below.
Car insurance in Boca Raton costs an average of $263 per month for a full-coverage policy and $155 for liability coverage, Insurify data shows. Your rate will depend on your driving record and other elements of your driver profile.
Your driving record, credit history, ZIP code, the car you drive (whether it’s a new car or old, an electric car, or a Honda or Lexus), and many other variables play a role in how much you pay for car insurance in Boca Raton. Comparing quotes is essential to finding a cheap car insurance policy, along with asking insurance agents about discounts.
Progressive has the most affordable car insurance in Boca Raton. Bundle your auto and homeowners insurance or renters insurance for maximum savings.
Florida car insurance requirements include $10,000 in PIP and $10,000 in PDL. In addition, experts typically recommend bodily injury liability insurance and uninsured motorist coverage to protect yourself financially. If you own a high-value car, you’ll also want to consider a full-coverage policy, which pays to repair or replace your vehicle after an accident.
Progressive has some of the cheapest rates in Boca Raton and much of Florida. But to find the best auto rates for your specific needs, it’s essential to compare quotes.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years in personal finance writing
Small business blogger
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.