Cheapest Auto Insurance in Jupiter, Florida (2024)

Despite its position on Florida’s vulnerable Atlantic coast, residents of Jupiter, Florida, pay $256 per month for car insurance, on average. With average liability-only costs of $221 per month and $292 for full coverage, Jupiter drivers have lower average premiums than other drivers in Palm Beach County.

Jupiter’s comparatively small population of 61,126 residents^[1] may contribute to its lower car insurance rates. And while the town still suffers from weather incidents, severe storms seem to hit the area less frequently than other parts of the state.

Here’s what you need to know about comparing quotes and finding the best rates for your needs and driver profile in Jupiter, Florida.

3 of the cheapest car insurance companies in Jupiter

Whether you’re searching for the bare-minimum car insurance in Jupiter or if you’re interested in discounts for your teen driver and a homeowners policy bundle, you have dozens of options to choose from.

Insurify identified three of the best car insurance companies in Jupiter below, though the best auto insurance policy and company for you will depend on your unique needs.

Best insurer for liability-only coverage: Hugo

Best insurer for full coverage: State Farm

Best insurer for teen drivers: GEICO

How to get the cheapest car insurance in Jupiter

Getting the cheapest car insurance in Jupiter involves a little research on your part. For example, some insurers might not advertise discounts that you’d qualify for. Consider these other money-saving tips when choosing a car insurance policy:

• Change your deductible. If you’d rather pay lower monthly premiums, you can set your deductible as high as possible, which might decrease your premium. But you’ll pay more out of pocket when filing a claim.

• Review vehicle safety features. If you’re in the market for a new car, research safety ratings and devices. Many insurers offer discounts for vehicles with specific safety features installed.

• Ask about discounts. Call an insurance agent and ask which discounts you might qualify for. They should be able to give you a comprehensive overview of how you can save money on car insurance in Jupiter.

• Shop and switch. If you think you have the lowest rate in town, you may be surprised to find other insurers offering competitive rates and incentives if you switch and keep the same coverage.

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Cheapest liability-only car insurance in Jupiter: State Farm

Liability-only car insurance in Jupiter is the same as all other liability policies throughout Florida: the minimum state-required policy that provides personal injury protection (PIP) and property damage liability insurance. Liability-only car insurance will always meet the minimum requirements made by state law, which means Florida’s liability-only coverage may be different from other states’.

Jupiter drivers pay an average of $221 per month for liability-only coverage.

Keep in mind, your state’s minimum liability coverage may not be sufficient to fully protect you financially if you’re in an accident that causes property damages or injuries.

The table below shows some of the cheapest car insurance companies for liability-only coverage in Jupiter.

Cheapest full-coverage car insurance in Jupiter: State Farm

Drivers who want to pay as little as possible out of pocket for damages to their car may want optional full-coverage insurance. Most full-coverage policies involve a bundle of liability insurance, collision insurance, and comprehensive insurance. These additional policies make full coverage more expensive. Full coverage in Jupiter costs an average of $292 per month.

If you lease or finance your vehicle, your leasing company or lender will typically require you to carry full-coverage car insurance.

Because full-coverage policies include more protection, they’re generally more expensive, but you can use the table below to find the cheapest full-coverage insurers in Jupiter.

Car insurance requirements in Florida

Jupiter drivers who aren’t Sunshine State natives will notice a difference in the state’s minimum insurance requirements. Florida is a no-fault state, which means all drivers must carry personal injury protection (PIP). PIP can pay for medical bills and non-medical expenses related to an accident — including lost wages, child care, and funeral costs — regardless of who’s at fault for the crash. 

Here are the minimum car insurance requirements for Florida drivers:^[3]

These minimum requirements are the bare-bones policy needed to drive legally, and Florida has much lower insurance requirements than most other states. You may need, or want, additional protection to cover damages to your vehicle and your finances. Here are some coverages you can add to your auto insurance policy:

• 

  Comprehensive coverage

  Comprehensive insurance provides coverage for vehicle damage from non-collision events, such as falling objects, theft, vandalism, severe weather, and more.

• 

  Collision coverage

  Collision insurance provides coverage for vehicle damage when you hit an object or another car, even if you’re at fault.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage pays for expenses if someone without insurance is at fault in an accident and can’t pay for the damages they caused. It also covers instances when damages someone causes exceed their policy limits.

• 

  Rental car reimbursement coverage

  This pays for a rental car while your car is in the shop for repairs after a covered claim.

• 

  Glass coverage

  This covers replacements or repairs of your windshield, rear window, side windows, and sunroofs.

• 

  Gap coverage

  Gap insurance covers the difference between your car’s actual cash value and your auto loan balance after a total loss.

Cheapest car insurance for drivers with an incident

People with clean driving records generally have the lowest premiums. Most Jupiter drivers may be aware that at-fault accidents and crashes associated with driving under the influence can increase prices.

Speeding tickets can also raise premiums, even without resulting in an accident. That’s because these incidents demonstrate irresponsible driving habits — habits that have a higher likelihood of causing a car accident.^[4]

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

A speeding ticket may seem like a harmless offense, but it can still raise your rates because speed is frequently a contributing factor in fatal car accidents.^[5] Even a single speeding ticket can increase your monthly premium, as this shows your insurer that you’re not driving as responsibly as possible.

Drivers in Jupiter with a speeding ticket pay $262 per month for liability coverage, on average.

Here are the cheapest Jupiter car insurance companies for drivers with a speeding ticket.

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

Palm Beach County has a high rate of reported crashes compared to some of its neighboring Florida counties.^[2] Accidents happen and the cost of damage can vary, which is why some insurers may only raise your rate minimally after a single accident. But some insurance companies may not raise it at all if you qualify for accident forgiveness.

Drivers with an at-fault accident on their record pay $282 per month for liability coverage, on average.

The table below shows the companies with the lowest quotes for drivers with an at-fault accident in Jupiter.

Cheapest car insurance for drivers with a DUI: State Farm

Drinking and driving is a dangerous behavior that can lead to fatal car accidents. With millions of drivers operating vehicles under the influence each year, and with Florida having a higher alcohol-impaired driving death rate than the national average, you should expect insurers to raise your rate significantly after a DUI conviction.^{[6] [7]}

Some insurers will drop you altogether if you have a DUI on your record. Drivers in Jupiter with a DUI pay an average of $327 per month for liability coverage.

Cheapest car insurance for seniors: State Farm

Although an older driver in Jupiter may have decades more experience than a younger driver, rates tend to increase around age 70, after decreasing around age 35. The decrease is typically experience-based, while the increase is due to trends of declining health that older drivers face.

Slower reaction times, reduced vision, or limited mobility could increase the risk of an accident.^[8] But senior drivers in Jupiter still pay lower-than-average rates, especially compared to younger drivers. Senior drivers in Jupiter pay an average of $185 per month for liability coverage.

Here are the cheapest car insurance companies for senior drivers in Jupiter.

Cheapest car insurance for teens: GEICO

Teen insurance costs are generally higher than all other age groups. In Jupiter, teen driver rates average $339 per month for liability coverage. These high rates are due to teens’ inexperience, overconfidence, and increased distractions behind the wheel, which result in a higher fatal crash rate.^[9]

While premiums may increase after an incident like a speeding ticket, they can also decrease if you or your parents take advantage of insurer incentives.

A teen driver might save more by staying on their parents’ insurance policy, though teens can often save regardless of who’s on their policy by maintaining good grades, keeping a clean record, and driving a car with high safety ratings. Teens away at college without a car might find discounts on their parents’ policies, as well.

Jupiter car insurance quotes by credit tier

Florida allows insurers to use credit-based insurance scores to influence your policy rate.^[10] This involves reviewing your credit history to determine how likely you may be to file a claim. Though insurers are only legally allowed to use this in conjunction with other non-credit-related factors, it’s an important factor to be aware of.

As highlighted in the following chart, insurers offer higher quotes to drivers with poor credit scores and lower quotes to drivers with excellent or good credit scores.

Is car insurance more expensive in Jupiter?

Car insurance in Jupiter is less expensive than in many cities, including major South Florida hubs like West Palm Beach, Fort Lauderdale, and Miami. Cities like Fort Myers and Ocala have cheaper rates, despite having higher populations. This may be because Palm Beach County has more crashes reported than Lee County and Marion County combined.^[2]

More cities in Florida

The following table lists cities throughout Florida’s peninsula so you can compare Jupiter’s average quotes to other cities in the Sunshine State.

Jupiter car insurance FAQs