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.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Year-round beach access is pretty dreamy but comes at a price. Palm Bay drivers spend an overall average of $244 per month on car insurance premiums. That’s similar to the state average of $259 per month but more than the national average of $154 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 $204 for liability coverage and $285 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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
4.4
$80
$69
Discounts
GEICO
4.2
$82
$71
Bundling
Hugo
3.0
$86
$77
Temporary coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$65/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.
$75/mo
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
I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.
Theresa - September 14, 2023
Verified
I really enjoyed working with them, I just couldn't keep up with the expensive rates.
Becki - September 13, 2023
Verified
I was 5 stars until the recent increase, without any explanation.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$67/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.
$77/mo
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
Unwilling to work with clients. Especially senior citizens on a fixed income.
Janina - September 10, 2023
Verified
Awesome customer service, good prices, easy to deal with.
Kathleen - September 9, 2023
Verified
Good treatment in responding to questions and handling of my accident, especially because I was not at fault. No hesitation in paying the repair bill and then collecting from the at-fault insurance company client's policy.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
A.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).
NR
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.
$73/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.
$81/mo
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.
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 $65 per month
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Cheapest liability-only car insurance in Palm Bay: State Farm
In Florida, liability-only car insurance provides coverage for other peoples’ 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 $65 per month.
The following table outlines other affordable auto insurance companies in Palm Bay.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. 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 coveragepays for damages from collisions with other vehicles or stationary objects, even if you’re at fault.
Comprehensive coverage
Comprehensive coveragepays for damages from non-collision events, like theft, falling objects, fire, vandalism, and natural disasters.
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 are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 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.
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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 $204 per month for liability coverage and $285 for full coverage.
Who has the cheapest car insurance in Palm Bay?
State Farm, GEICO, and Hugo have the cheapest liability car insurance in Palm Bay, with rates of $65, $67, and $73 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 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
State Farm
GEICO
Hugo
