120+ more){kind=small}
16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
The average cost of car insurance in Boynton Beach, Florida, is $211 per month for liability-only coverage and $298 per month for full coverage. That’s higher than in neighboring West Palm Beach, Boca Raton, and Miami.
Florida car insurance is often more expensive than in other states because of the weather risks. In Boynton Beach specifically, 100% of homes have at least some risk from extreme winds from hurricanes, tornadoes, and strong windstorms.[1]
This makes comprehensive coverage a smart buy because it can help pay for vehicle damage from severe weather, including wind, hail, flooding, and falling debris.
State Farm has the cheapest liability-only insurance in Boynton Beach, with an average monthly cost of $109. If you need full coverage, State Farm has the lowest rates, at $174 per month.
Boynton Beach’s rates are cheaper than the state average of $142 per month for liability-only coverage and $237 per month for full coverage.
As a no-fault state, Florida requires all drivers to carry the following minimum insurance requirements:[2]
At least $10,000 in personal injury protection (PIP)
At least $10,000 in property damage liability (PDL)
If you live in Boynton Beach, full coverage can provide additional protection against extreme weather. Flooding is a concern, and 37.8% of Boynton Beach properties face some risk of damage from flooding caused by extreme weather.
The following table shows the cheapest liability-only and full-coverage rates in Boynton Beach.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $109 |
| Clearcover | $117 |
| Mile Auto | $118 |
| Progressive | $118 |
| GEICO | $122 |
| Embark | $142 |
| Dairyland | $152 |
| GAINSCO | $161 |
| Direct Auto | $163 |
| Mercury | $167 |
| The General | $172 |
| Bristol West | $184 |
| Allstate | $189 |
| AssuranceAmerica | $189 |
| National General | $198 |
| Insurify Car | $205 |
| Root | $221 |
| Travelers | $224 |
| Hugo | $274 |
| Mendota | $304 |
| First Acceptance | $305 |
| Liberty Mutual | $312 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $174 |
| Progressive | $194 |
| Mile Auto | $221 |
| Mercury | $246 |
| GEICO | $254 |
| National General | $256 |
| Direct Auto | $271 |
| Bristol West | $286 |
| Clearcover | $286 |
| Allstate | $302 |
| The General | $331 |
| AssuranceAmerica | $342 |
| Embark | $349 |
| Travelers | $359 |
| GAINSCO | $385 |
| Root | $391 |
| Liberty Mutual | $404 |
| Dairyland | $435 |
| First Acceptance | $446 |
| Mendota | $473 |
Insurify Car makes it affordable and easy to get same-day liability coverage
Panama City is among the least expensive cities for car insurance in Florida, at $150 per month, while Boynton Beach has some of the highest rates, at $255 per month, according to Insurify data. Florida’s average cost sits in the middle, at $189 per month.
Boynton Beach’s population grew by 3.6% from 2020 to 2024, from about 80,200 residents to more than 83,000.[3] That population growth means increased traffic congestion and higher accident risks, which can lead to higher insurance costs.
The following table shows average monthly car insurance quotes in Boynton Beach and other Florida cities.
City | Average Monthly Quote |
|---|---|
| Venice | $134 |
| Milton | $142 |
| The Villages | $143 |
| Saint Augustine | $149 |
| North Port | $150 |
| Panama City | $150 |
| Punta Gorda | $150 |
| Vero Beach | $150 |
| Port Orange | $153 |
| Eustis | $155 |
| Gainesville | $157 |
| Sarasota | $158 |
| Melbourne | $161 |
| Palm Coast | $161 |
| Cocoa | $164 |
| Naples | $164 |
| Pensacola | $164 |
| Palm Bay | $166 |
| Jupiter | $167 |
| Cape Coral | $169 |
| Tallahassee | $169 |
| Ocala | $170 |
| Largo | $172 |
| Bradenton | $175 |
| Clearwater | $175 |
| Daytona Beach | $175 |
| Port Saint Lucie | $175 |
| Lakeland | $177 |
| Winter Springs | $177 |
| Saint Cloud | $178 |
| Clermont | $179 |
| Winter Haven | $179 |
| Fort Myers | $180 |
| Sanford | $180 |
| Pinellas Park | $183 |
| Oviedo | $185 |
| Plant City | $185 |
| Coral Springs | $186 |
| Orange Park | $186 |
| Saint Petersburg | $186 |
| Jacksonville | $187 |
| Palm Harbor | $188 |
| Davenport | $189 |
| Apopka | $190 |
| Altamonte Springs | $192 |
| Deltona | $196 |
| Palm Beach Gardens | $197 |
| Spring Hill | $198 |
| Kissimmee | $199 |
| New Port Richey | $204 |
| Wesley Chapel | $206 |
| Orlando | $208 |
| Wellington | $212 |
| Boca Raton | $215 |
| Brandon | $215 |
| Riverview | $215 |
| Fort Lauderdale | $218 |
| Hollywood | $220 |
| North Miami Beach | $220 |
| Holiday | $223 |
| Pompano Beach | $224 |
| West Palm Beach | $224 |
| Homestead | $227 |
| Miami Beach | $227 |
| Deerfield Beach | $233 |
| Delray Beach | $239 |
| Lake Worth | $239 |
| Hialeah | $240 |
| Tampa | $241 |
| Miami | $242 |
| Miami Gardens | $268 |
Boynton Beach faces a moderate flood risk and a significant hurricane risk. Hurricanes can bring strong winds and heavy rain that can flood low-lying areas. Turn around and find an alternative route if you come across a flooded roadway. Just two feet of water can wash your car away, and just six inches can cause damage. If necessary, abandon your car and get to higher ground.
Expect heavier traffic near popular destinations like Boynton Beach’s Oceanfront Park, a 12-acre public beach along the Atlantic Ocean. During peak tourist season, roads around the area can be busy as visitors flock to this accessible public beach. Traffic can also be heavier on major roads in the area, including Interstate 95 and Boynton Beach Boulevard.
Parking at Oceanfront Park can be expensive, so Boynton Beach provides annual parking permits to eligible residents and non-residents. The City of Boynton Beach offers parking permits from Oct. 1 to Sept. 30. You can purchase a parking permit online or at the Arts & Cultural Center on East Ocean Avenue.
Check quotes from 120+ top insurance companies
Your driving record can determine how much you pay for car insurance. Around 2.7% of Boynton Beach drivers have a speeding ticket, 4.1% have an at-fault accident, and 0.7% have a DUI, according to Insutify data. If you have an incident on your driving record, you’ll typically pay more for car insurance than a driver with a clean record.
Boynton Beach police made 22 DUI arrests in March 2026 as part of traffic enforcement efforts.[4] The department uses drones to improve response efficiency during active calls.
The following table shows the average monthly quotes in Boynton Beach by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $255 |
| Speeding ticket | $295 |
| At-fault accident | $321 |
| DUI | $326 |
Car insurance rates can change based on your age. Approximately 34% of Boynton Beach residents are 65 or older, according to U.S. census data. Meanwhile, teens in Florida can get a learner’s license at 15 and a driver’s license at age 16, but the state’s graduated licensing law restricts driving hours for teens.
Senior drivers typically pay less than teen drivers, but prices may start to increase once you turn 70.
The table below shows the average monthly liability rates for Boynton Beach drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $345 |
| 20s | $244 |
| 30s | $219 |
| 40s | $216 |
| 50s | $201 |
| 60s | $186 |
| 70+ | $193 |
*Quotes generated for Insurify users in and around Boynton Beach, Florida within the last 10 days. Last updated on September 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Boynton Beach, Florida within the last 10 days. Last updated on September 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
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Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
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Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
The following common questions about car insurance in Boynton Beach can help you find the best car insurance policy for you at a price that fits your budget.
The average cost of car insurance in Boynton Beach is $255 per month, according to Insurify data.
State Farm is the cheapest car insurance company for Boynton Beach drivers, with an average monthly cost of $109 for liability-only coverage.
The best car insurance in Boynton Beach depends on your unique driver profile, such as your age, driving record, ZIP code, and budget. That said, State Farm, Clearcover, and Mile Auto are the cheapest insurers in Boynton Beach.
The most common factors that affect insurance rates in Boynton Beach include the vehicle type, driving record, location, age, and credit history. Local factors can also play a role, including the city’s hurricane, extreme wind, and flood risks, as well as local traffic and accident trends.
Shop around and compare car insurance quotes from multiple insurers in Boynton Beach to find the best option for your needs and budget. The Florida Department of Financial Services recommends providing your agent with accurate information and asking about available discounts, including those for safe drivers, senior drivers, and students.
Insurify data scientists analyzed more than 250 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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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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.
