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Cheap Auto Insurance Quotes in Palm Bay, FL (January 2022)

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Last Updated: January 2022
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Car Insurance in Palm Bay, FL

The average cost of Florida car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Palm Bay, FL to find you the cheapest quotes in the area.
$82
$171
$173
$177
$185
ProgressiveDirect AutoLiberty MutualTravelersState Farm

Cheapest Car Insurance in Palm Bay, FL

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$312
$210
$455
$482
$234
$178
FloridaJacksonvilleMiamiTampaOrlandoPalm Bay
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Palm Bay, FL Driving Facts

florida

Minimum Car Insurance Requirements in FL

All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:

  • $10,000 no-fault or personal injury protection (PIP) insurance

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Florida state is $10,000.  In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law.

  • $10,000 property damage liability (PDL) insurance

The state minimum amount of property damage liability coverag  required in the state of Florida is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident, up to the declared coverage limit.

Find local Palm Bay agents

Wren Insurance Agency
1430 Palm Bay Rd NE, Palm Bay, FL 32905
Covered by Sage LLC
4961 Babcock St NE Ste 7, Palm Bay, FL 32905
All Star Insurance
4961 Babcock St NE Ste 7, Palm Bay, FL 32905-2800
GreatFlorida Insurance - Carmen Castellanos
4651 Babcock St NE # 17, Palm Bay, FL 32905
Complete Insurance Services
5270 S Babcock St STE 7, Palm Bay, FL 32905
Sarpoolaki Insurance Center,LLC
277 Malabar Rd, Palm Bay, FL 32907
Clover Insurance Agency
190 Malabar Rd #122, Palm Bay, FL 32907
Jack Kroening - State Farm Insurance Agent
1300 Palm Bay Rd NE #4, Palm Bay, FL 32905
Health Insurance Palm Bay
1198 Alminar Ave SE, Palm Bay, FL 32909
Allstate Insurance Agency
3425 Bayside Lakes Blvd SE, Palm Bay, FL 32909

Insurify Insights: How Palm Bay Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Palm Bay, FL
suspended licenses
#78
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Palm Bay drivers measure up to their fellow Florida motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Palm Bay

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Palm Bay drivers rank 76 in the number of car accidents per driver across all cities in Florida.

  • Rank within state: #76
  • Percent of drivers in Palm Bay with an accident: 9.4%
  • Drivers in Palm Bay, FL with an accident in their driving history paid on average 44.02% more than drivers with a clean record

Speeding in Palm Bay

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Palm Bay drivers rank 61 in the number of speeding infractions per driver.

  • Rank within state: #61
  • Percent of drivers in Palm Bay with a speeding ticket: 7.76%
  • Drivers in Palm Bay, FL with a speeding ticket in their driving history paid on average 29.19% more than drivers with a clean record

DUI/DWIs in Palm Bay

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Palm Bay drivers rank 41 in the number of DUI’s per driver across all cities in Florida.

  • Rank within state: #41
  • Percent of drivers in Palm Bay with a DUI: 1.12%
  • Drivers in Palm Bay, FL with a DUI in their driving history paid on average 16.75% more than drivers with a clean record

Most Popular Vehicle in Palm Bay

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Palm Bay is the Ford F-Series Pickup.

Rude Drivers in Palm Bay

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Florida, Palm Bay drivers rank 69 in rude driving infractions.

  • Rank within state: #69
  • Percent of drivers in Palm Bay with a reckless driving violation: 1.72%
  • Drivers in Palm Bay, FL with a reckless driving violation in their driving history paid on average 15.31% more than drivers with a clean record.

Safest Drivers in Palm Bay

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Palm Bay drivers rank 46 in clean driving records across all cities in Florida.

  • Rank within state: #46
  • Percent of drivers in Palm Bay with clean record: 83.36%

Failure to Yield the Right of Way in Palm Bay

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Palm Bay drivers rank 15 in failure to yield violations per driver across all cities in Florida.

  • Rank within state: #15
  • Percent of drivers in Palm Bay with a failure to yield violation: 0.69%
  • Drivers in Palm Bay, FL with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Palm Bay

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Florida, Palm Bay drivers rank 6 in the number of reckless driving offenses per driver.

  • Rank within state: #6
  • Percent of drivers in Palm Bay with a reckless driving offense: 0.34%

Hybrid/Electric Vehicle Ownership in Palm Bay

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Palm Bay drivers rank 119 in hybrid and electric vehicle ownership across all cities in Florida.

  • Rank within state: #119
  • Percent of drivers in Palm Bay with a hybrid/electric vehicle: 0.51%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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