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The average cost of liability insurance in Delray Beach is $192 per month, while full coverage costs $285 per month, according to Insurify data. That’s more expensive than in nearby West Palm Beach, but still cheaper than in Boynton Beach.
Delray Beach’s coastal location puts vehicles at risk for damage from hurricanes and flooding, which could contribute to its high premiums compared to many other Florida cities.[1]
Learn more about car insurance costs in Delray Beach and other Florida cities below.
State Farm is the cheapest insurer in Delray Beach for liability coverage, with rates averaging $102 per month. This is lower than the state average of $142 for liability insurance.
State Farm has the cheapest full-coverage policies in Delray Beach, averaging $163 monthly.
The state of Florida requires all drivers to carry at least $10,000 in property damage liability (PDL) coverage and $10,000 in personal injury protection (PIP) coverage.[2] But you may want to opt for full coverage to protect your vehicle from hurricane or flood damage.
The following table shows the cheapest liability and full-coverage insurance rates in Delray Beach.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $102 |
| Clearcover | $109 |
| Mile Auto | $111 |
| Progressive | $111 |
| GEICO | $114 |
| Embark | $133 |
| Dairyland | $142 |
| GAINSCO | $151 |
| Direct Auto | $153 |
| Mercury | $156 |
| The General | $161 |
| Bristol West | $173 |
| Allstate | $177 |
| AssuranceAmerica | $177 |
| National General | $186 |
| Insurify Car | $192 |
| Root | $207 |
| Travelers | $210 |
| Hugo | $257 |
| Mendota | $285 |
| First Acceptance | $286 |
| Liberty Mutual | $292 |
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $163 |
| Progressive | $182 |
| Mile Auto | $207 |
| Mercury | $230 |
| GEICO | $238 |
| National General | $240 |
| Direct Auto | $254 |
| Bristol West | $268 |
| Clearcover | $268 |
| Allstate | $283 |
| The General | $310 |
| AssuranceAmerica | $320 |
| Embark | $327 |
| Travelers | $337 |
| GAINSCO | $361 |
| Root | $366 |
| Liberty Mutual | $379 |
| Dairyland | $408 |
| First Acceptance | $418 |
| Mendota | $444 |
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At an average rate of $239 per month, Delray Beach is more expensive than the Florida state average ($189) and nearby West Palm Beach ($224). This is likely due to Delray Beach’s coastal location and high population density.[3]
The following table compares the average car insurance rates across different 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 |
| Lake Worth | $239 |
| Hialeah | $240 |
| Tampa | $241 |
| Miami | $242 |
| Boynton Beach | $255 |
| Miami Gardens | $268 |
Here are some tips for navigating Delray Beach’s roads safely:
Plan for heavy traffic during tourist season. With 3 million visitors each year, congestion on Atlantic Avenue and Interstate 95 is common during tourist season. Give yourself extra travel time if you plan to head downtown or drive near the coast.
Watch for pedestrians and cyclists. Pedestrians, cyclists, golf carts, and scooters are common along Atlantic Avenue in downtown Delray Beach. Slow down in busy areas, and stay aware of pedestrians at crosswalks.
Drive cautiously in severe weather. Delray Beach’s coastal location puts the city at a high risk for heavy rainfall, tidal flooding, and storm surges. But if you find yourself driving in a storm, never attempt to drive through standing water. You can sign up for AlertPBC to receive phone, text, and email notifications about nearby weather alerts.[4]
In Delray Beach, 2% of drivers have a speeding ticket, 4% have an at-fault accident, and 0.42% have a driving under the influence (DUI) conviction on their record, according to Insurify data. Because Florida is a no-fault state, your PIP coverage pays for your medical injuries, regardless of who caused the crash.[5] But traffic violations and at-fault accidents can still lead to higher car insurance premiums.
The table below shows the average monthly rates in Delray Beach by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $239 |
| Speeding ticket | $277 |
| At-fault accident | $301 |
| DUI | $306 |
In Florida, teens can receive their learner’s permit at age 15, and after one year, they’re eligible to take the driving test.[6] Teen drivers in Delray Beach may be able to save on car insurance by taking a state-approved driving course.
Delray Beach also has a large senior population, with 28% of residents aged 65 or older, according to U.S. census data. Senior drivers already pay less for car insurance, and they may qualify for even cheaper rates in Delray Beach by shopping around.
The following table shows the average liability rates for Delray Beach drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $344 |
| 20s | $243 |
| 30s | $216 |
| 40s | $213 |
| 50s | $198 |
| 60s | $184 |
| 70+ | $190 |
*Quotes generated for Insurify users in and around Delray Beach, Florida within the last 10 days. Last updated on September 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Delray Beach, Florida within the last 10 days. Last updated on September 8, 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
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
Delray Beach’s auto insurance rates are higher than the Florida state average, but it’s still possible to find cheap rates. Here’s some additional information on finding cheap Delray Beach car insurance.
Delray Beach drivers pay average monthly rates of $192 for liability coverage and $285 for full coverage, according to Insurify data. But you may be able to save by bundling your auto and home insurance and comparing quotes from multiple insurers.
State Farm is the cheapest insurer in Delray Beach, with liability policies averaging $102 monthly, but that doesn’t mean it’ll be the cheapest insurer for you. You can find the most affordable car insurance in Delray Beach by comparing car insurance quotes from several different companies.
You can find the cheapest car insurance in Delray Beach by shopping around to compare rates. Bundling your auto and homeowners insurance, taking advantage of safe driving discounts, and paying your premium in full can also help lower your rate.
Your deductible, age, and driving history are a few factors that affect how much you pay for car insurance in Delray Beach, Florida. But local factors, like traffic and weather risks, also play a role in determining your auto insurance premium.
Most Delray Beach insurers offer discounts for bundling your auto and home or renters insurance, insuring multiple vehicles, maintaining a clean driving record, and enrolling in a telematics program. Ask your insurer about discounts, as savings vary widely by insurer.
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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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
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.
