Cheapest Auto Insurance in Palm Bay, Florida (2026)
State Farm offers the cheapest quotes in Palm Bay, with rates as low as $96 per month.
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Written byJacqueline DeMarco
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Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Reviewed byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
Year-round beach access is pretty dreamy but comes at a price. Palm Bay, Florida, drivers spend an overall average of $169 per month on car insurance premiums. That’s similar to the state average of $184 per month but more than the national average of $136 per month.
As lovely as the weather is most of the year in Palm Bay, living in an area with hurricane risks can cause more expensive car insurance rates. To help you get a deal, here’s a look at how to find the cheapest car insurance in Palm Bay.[1]
Quick Facts
The average cost of car insurance in Palm Bay is $144 for liability coverage and $195 for full coverage.
State Farm is the cheapest insurer in Palm Bay for full coverage.
State Farm, Hugo, and GEICO are the best car insurance companies in Palm Bay.
3 of the cheapest car insurance companies in Palm Bay
The car insurance company you buy a policy from will play a big role in how much you spend. Do some research on which auto insurers can offer you the best price for the type of coverage and features you need to feel secure on the road. Here are some great options for cheap car insurance in Palm Bay.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $116 | $106 | Discounts |
| GEICO | 9.2 | $179 | $158 | Bundling |
| Hugo | 6.3 | N/A | $202 | Temporary coverage |
Disclaimer: Table data sourced from real-time Palm Bay car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Palm Bay may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for discounts: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $96/mo |
| 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 |
4.0
Best choice in Palm Bay, FLBased on 16,176 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Palm Bay for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Palm Bay for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Florida reviews for Palm Bay drivers - See all 7,246 State Farm reviews
Susan
Verified Review
It's been great
Reviewed in Florida on March 17, 2026
They're great, but a little expensive.
Nancy
Verified Review
Excellent
Reviewed in Florida on March 16, 2026
Excellent customer service.
Nannette
Verified Review
Review
Reviewed in Florida on March 13, 2026
Last year was okay, but I have not received my bill for this year. If it keeps going up, I will have to find another insurer. I am a senior on Social Security.
Sandrs
Verified Review
Five Star Insurance Agency
Reviewed in Florida on March 11, 2026
Noelle is five-star excellent in every way and totally represents State Farm.
Sally
Verified Review
Frustrated with Insurance Companies
Reviewed in Florida on March 9, 2026
Car insurance, so far, is fine with State Farm. It's the homeowners policies I'm frustrated about. State Farm is higher priced and after about 40 years of paying them, when I needed help for the first time, they paid and then dropped me. Not okay!
Gary
Verified Review
Good customer service
Reviewed in Florida on March 8, 2026
Raised my rates without explaining why.
John
Verified Review
Price
Reviewed in Florida on March 7, 2026
You need to search the internet every 6 months as every auto insurer is raising prices differently.
Tajmahl
Verified Review
Rip-off
Reviewed in Florida on March 4, 2026
Not great, but better than $300 a month.
Rosemary
Verified Review
Too Expensive
Reviewed in Florida on March 1, 2026
Very expensive. I've been with State Farm for over 40 years with no claims, and they are still raising rates on me.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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++Why we picked this company
Because car insurance costs more in Palm Bay than in other parts of the country, it’s good that State Farm offers the lowest average premiums in this city and a wide variety of discounts. Completing defensive driving courses, earning good grades, and equipping safety features in your car can all lead to savings with this insurer.
Pros
No. 1 in J.D. Power customer satisfaction study in Florida
Multiple potential discounts
Cons
No gap insurance
No online enrollment
Best insurer for bundling: GEICO
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| 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. | $144/mo |
| 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. | $162/mo |
3.9
A solid option in Palm Bay, FLBased on 16,435 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Palm Bay for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Palm Bay for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 Florida reviews for Palm Bay drivers - See all 7,480 GEICO reviews
Patricia
Verified Purchase
I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.
Reviewed in Florida on March 12, 2026
I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.
John
Verified Review
GEICO, Best Insurance
Reviewed in Florida on March 9, 2026
Cheapest in Florida hands down. I’ve tried to get coverage from other carriers and they can’t beat it.
Gerald
Verified Review
Auto Tesla
Reviewed in Florida on March 9, 2026
Great service.
Harley
Verified Review
Too expensive
Reviewed in Florida on March 9, 2026
I have not had any issues with Progressive. They are definitely cheaper than GEICO.
Andrzej
Verified Review
Lack of contact with agent is a big minus.
Reviewed in Florida on March 8, 2026
I am using the GEICO app and constantly getting messages asking me to install this app. Lately, they asked me to pay $7 (and some change) for something I don’t understand. It's impossible to find a phone agent to ask for an explanation.
Zaqueo
Verified Review
Happy
Reviewed in Florida on March 8, 2026
They have good prices and good customer service.
Mary
Verified Review
No contact with a human to answer questions.
Reviewed in Florida on March 8, 2026
I have attempted to reduce my costs because I don’t drive more than 50 miles a week. No one responds.
Roger
Verified Review
Raising rates for no reason other than greed
Reviewed in Florida on March 5, 2026
Rates just kept going up and up for no reason. Just corporate greed. Progressive is even worse. Dropping Progressive currently. Found insurance for $60 a month less with a lesser-known company.
John
Verified Review
Discounts for Auto Insurance
Reviewed in Florida on March 4, 2026
All was good until my policy lapsed for two or three days because I was in the hospital. Then, all of a sudden, my insurance jumped forty dollars a month, and it has remained there for some time. I feel like I am not getting the discounts that I should be receiving. I have had no tickets or accidents in over five years, yet I'm still paying a very high price for the cheapest insurance I could get. I shop all the time for insurance because I feel that Geico is not offering me the best deal.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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++Why we picked this company
Palm Bay isn’t just an expensive place to drive a car — it’s an expensive place to live. With average rent at almost $2,000 per month, being able to save on expenses like car insurance and renters insurance in one fell swoop is pretty convenient. GEICO offers a bundling discount for homeowners, condos, and mobile homes, so you can save on insurance no matter what type of property you live in.
Pros
Above-average J.D. Power customer satisfaction rating in Florida
Highly rated mobile app
Cons
No rideshare coverage available
No gap insurance available
Best insurer for temporary coverage: Hugo
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.3 /10 |
| 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. | $202/mo |
4.5
Best choice in Palm Bay, FLBased on 197 verified driver reviews and ratings
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best in Palm Bay for
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best in Palm Bay for
Micropayments
No down payments
Fast coverage
Showing recent national reviews - See all 65 Hugo reviews
Quincy
Verified Purchase
Great news
Reviewed in Pennsylvania on March 18, 2026
I like it, and it’s much easier to use the app to add cars than talking on the phone and waiting for your card to come in the mail.
Angela
Verified Purchase
Affordable
Reviewed in Texas on February 2, 2026
Love that you can pay it freely by the day, week, or month.
Theola
Verified Purchase
Awesome and Affordable
Reviewed in Illinois on February 1, 2026
Awesome price with coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy we picked this company
Hugo is a relatively new insurance company that offers coverage for policy terms as short as three days. And drivers can turn their coverage on and off as needed so they only pay for car insurance when they’re driving. This new coverage model can help Palm Bay drivers save on auto coverage.
Pros
Three plan types available
Micropayments available
Cons
No mobile app
No advertised discounts
How to get the cheapest car insurance in Palm Bay
How you shop for the cheapest car insurance in Palm Bay can make all the difference when it comes to getting the best deals. Insurers consider several factors, including your age, ZIP code, driving record, and credit history. Here’s how you can get cheap coverage:
Compare quotes. When shopping for a new car insurance policy, get quotes from at least three companies. Compare these rates to see which company can offer you the best price for the coverage you need. You can also use a quote-comparison tool like Insurify to view multiple quotes and identify the lowest price.
Ask about discounts. Many car insurance companies offer a variety of discounts for things like having good grades, installing safety equipment in your car, or being a safe driver.
Bundle policies. If you choose an insurance company that also offers other insurance policies — like home insurance, renters insurance, business insurance, or life insurance — you can often save by purchasing more than one type of policy.
Find Cheap Car Insurance in Palm Bay, Florida
Liability quotes start at just $96 per month
Excellent
4.7 out of 5 based on 12,752 reviews
Secure. Free. Easy-to-use.
Cheapest liability-only car insurance in Palm Bay: State Farm
In Florida, liability-only car insurance provides coverage for other people’s damages and your injuries from an accident you cause. The personal injury protection portion of the policy covers your medical expenses and lost wages if you’re injured, and the property damage liability coverage takes care of repairs to others’ property. However, it doesn’t cover your own vehicle damage.
If you’re looking for the least expensive option for liability-only car insurance in Palm Bay, check out State Farm, which offers rates of $96 per month.
The following table outlines other affordable auto insurance companies in Palm Bay.
The below rates in Palm Bay, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $96 |
| Mile Auto | $117 |
| Progressive | $127 |
| GAINSCO | $131 |
| Direct Auto | $141 |
| Mercury | $143 |
| GEICO | $144 |
| The General | $156 |
| Bristol West | $160 |
| Infinity | $161 |
| National General | $164 |
| AssuranceAmerica | $166 |
| Allstate | $168 |
| Travelers | $200 |
| Root | $205 |
| Dairyland | $269 |
| Liberty Mutual | $295 |
Disclaimer: Table data sourced from real-time Palm Bay car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Palm Bay may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Palm Bay: State Farm
Liability-only car insurance covers damage to others in accidents you cause, while full-coverage insurance includes additional protection for your own vehicle. Full coverage combines liability, comprehensive, and collision coverages. This type of coverage is beneficial for new cars, financed vehicles, or any drivers seeking extensive protection.
Drivers can find the cheapest full-coverage insurance with State Farm, but the table below highlights other inexpensive Palm Bay car insurance companies.
The below rates in Palm Bay, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $104 |
| Mile Auto | $152 |
| GEICO | $162 |
| Progressive | $166 |
| Mercury | $173 |
| Allstate | $182 |
| Direct Auto | $190 |
| National General | $191 |
| Travelers | $217 |
| Bristol West | $219 |
| The General | $232 |
| Infinity | $236 |
| GAINSCO | $244 |
| AssuranceAmerica | $265 |
| Root | $267 |
| Liberty Mutual | $296 |
| Dairyland | $442 |
Disclaimer: Table data sourced from real-time Palm Bay car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Palm Bay may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Palm Bay, Florida
Drivers using Insurify have found quotes as cheap as $69/mo for liability only and $104/mo for full coverage in Palm Bay and other Florida cities.
*Quotes generated for Insurify users in and around Palm Bay, Florida within the last 10 days. Last updated on March 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Palm Bay, Florida within the last 10 days. Last updated on March 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
To drive legally in the state of Florida, you must have proof of personal injury protection (PIP) and property damage liability (PDL) for the following amounts:[2]
Coverage | Minimum Requirements |
|---|---|
| Personal injury protection | $10,000 per accident |
| Property damage liability | $10,000 per accident |
If you have any questions about what types of additional coverage you may need, you can always work with an insurance agent to find the right policy. Adding extra coverage will result in higher rates but can give you better protection. Don’t be afraid to call an agent for help. Consider purchasing these optional types of coverage:
Collision coverage
Collision coverage pays for damages from collisions with other vehicles or stationary objects, even if you’re at fault.
Comprehensive coverage
Comprehensive coverage pays for damages from non-collision events, like theft, falling objects, fire, vandalism, and natural disasters.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage provides you coverage when someone without insurance or enough insurance causes an accident.
Glass coverage
When you have glass protection, issues like a busted windshield are covered.
Cheapest car insurance for drivers with an incident
Having negative incidents on your driving record, like speeding tickets, driving under the influence (DUI) convictions, at-fault accidents, and other moving violations, can lead to higher car insurance costs. These incidents tell car insurance companies that you’ll likely file future claims.
This table breaks down how different driving incidents can affect your car insurance quotes with a handful of different insurers.
The below rates in Palm Bay, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $96 | $117 | $124 | $139 |
| Mile Auto | $117 | $138 | $154 | $170 |
| Progressive | $127 | $147 | $160 | $180 |
| GAINSCO | $131 | $150 | $164 | $190 |
| Direct Auto | $141 | $170 | $188 | $205 |
| Mercury | $143 | $193 | $211 | $216 |
| GEICO | $144 | $182 | $183 | $207 |
| The General | $156 | $201 | $210 | $227 |
| Bristol West | $160 | $194 | $206 | $232 |
| Infinity | $161 | $197 | $203 | $234 |
| National General | $164 | $197 | $213 | $238 |
| AssuranceAmerica | $166 | $203 | $216 | $241 |
| Allstate | $168 | $211 | $220 | $244 |
| Travelers | $200 | $251 | $263 | $291 |
| Root | $205 | $264 | $268 | $299 |
| Dairyland | $269 | $324 | $348 | $391 |
| Liberty Mutual | $295 | $362 | $383 | $429 |
Disclaimer: Table data sourced from real-time Palm Bay car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Palm Bay may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Your age will play a role in your car insurance premiums. Teen drivers pay high rates because they lack driving experience and tend to engage in riskier behavior, making them more prone to accidents. Car insurance rates typically decrease around age 35, once drivers have more experience.
However, rates tend to increase around age 70 due to age-related factors, like declining vision and reaction time, which may raise the likelihood of accidents for senior drivers.
Check out this table to get an idea of how your age can affect your average monthly car insurance quote in Palm Bay.
Age | Average Monthly Quote |
|---|---|
| Teens | $433 |
| 20s | $315 |
| 30s | $274 |
| 40s | $264 |
| 50s | $244 |
| 60s | $226 |
| 70s | $231 |
Disclaimer: Table data is based on real-time Palm Bay quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Find Car Insurance in Palm Bay, FL
Compare rates for auto coverage instantly
Excellent
4.7 out of 5 based on 12,752 reviews
Secure. Free. Easy-to-use.
Palm Bay car insurance quotes by credit tier
While not all states allow it, in Florida, car insurance companies can take your credit history into account when determining your premiums.[3] Generally, auto insurance companies view drivers with excellent or good credit as less risky and offer cheaper rates to them than to drivers with poor credit.
Here’s how your credit affects your car insurance in Palm Bay.
Rates by Credit Tier
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.
Palm Bay car insurance FAQs
Learn about the types of car insurance coverages you can purchase for more protection on the road, and check out the answers to questions about auto coverage in Palm Bay.
How much is car insurance in Palm Bay?
The average cost of car insurance in Palm Bay is $144 per month for liability coverage and $195 for full coverage.
Who has the cheapest car insurance in Palm Bay?
State Farm, Mile Auto, and Progressive have the cheapest liability car insurance in Palm Bay, with rates of $96, $117, and $127 per month, respectively. The best way to find cheap coverage is to compare quotes from several companies to see which insurer offers you the best deal for the coverage you need.
What are the best car insurance companies in Palm Bay?
Some of the best car insurance companies in Palm Bay that Insurify identified are GEICO, State Farm, and Hugo. These insurers have strong customer satisfaction ratings, plenty of discounts and coverage options, and high Insurify Quality Scores.
Methodology
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:
- 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
- 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.
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Cheap Car Insurance in Tampa, Florida, From $135
March 19, 2026
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Best Cheap Car Insurance in Tallahassee, FL, From $96
March 19, 2026
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Best Cheap Car Insurance in Spring Hill, FL, From $118
March 19, 2026
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Best Cheap Car Insurance in Sarasota, FL, From $86
March 19, 2026
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Best Cheap Car Insurance in Saint Petersburg, FL, From $101
March 19, 2026
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Cheapest Car Insurance in Riverview, Florida
March 19, 2026
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Best Cheap Car Insurance in Pensacola, FL, From $100
March 19, 2026
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Cheapest Car Insurance Quotes in Pompano Beach, FL
March 19, 2026
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Cheap Car Insurance in Panama City, FL, Starting at $87
March 19, 2026
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Best Cheap Car Insurance in Orlando, FL, From $121
March 19, 2026
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Best Cheap Car Insurance in Ocala, FL, From $104
March 19, 2026
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Cheap Car Insurance in Naples, FL, Starting at $97
March 19, 2026
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Cheap Car Insurance in Miami, FL, Starting at $136
March 19, 2026
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Best Cheap Car Insurance in Lakeland, FL, From $100
March 19, 2026
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Best Cheap Car Insurance in Melbourne, FL, From $94
March 19, 2026
Best Cheap Car Insurance in Jupiter, FL, From $90
March 19, 2026
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Cheap Car Insurance in Jacksonville, FL, Starting at $108
March 19, 2026
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Best Cheap Car Insurance in Gainesville, FL, From $92
March 19, 2026
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Best Cheap Car Insurance in Fort Myers, FL, From $103
March 19, 2026
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Best Cheap Car Insurance in Fort Lauderdale, FL, From $121
March 19, 2026
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Best Cheap Car Insurance in Daytona Beach, FL, From $102
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Cheapest Car Insurance Quotes in Davenport, FL,
March 19, 2026
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Sources
- City of Palm Bay Florida. "Hurricane Preparedness."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- the Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
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Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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