120+ more*Quotes generated for Insurify users in and around Palm Bay, Florida within the last 10 days. Last updated on July 25, 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 July 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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25 years teaching risk management and insurance course
Former commercial lines underwriter
Updated
State Farm has the cheapest car insurance rates in Palm Bay.
Palm Bay drivers pay an average of $169 per month, compared to $188 statewide.
Around 4% of Palm Bay drivers have an at-fault accident on their driving record, according to Insurify data.
Drivers in Palm Bay pay an average of $132 per month for liability insurance and $205 per month for full coverage, according to Insurify data.
Car insurance rates in nearby Melbourne are lower, averaging $160 per month, while Orlando drivers pay more, with average monthly rates of $207.
Palm Bay is more densely populated than much of Florida.[1] More cars on the road increase the risk of crashes, pushing local insurance rates above the state average.
Here’s how much Palm Bay drivers pay for car insurance compared to the average cost of car insurance in Florida.
Car Insurance Costs in Palm Bay vs. Florida | Average Monthly Quote |
|---|---|
| Palm Bay average | $169 |
| Florida average | $188 |
State Farm has the cheapest liability car insurance in Palm Bay, with an average rate of $72 per month.
For full-coverage auto insurance, State Farm has the lowest rates, at an average of $116 per month.
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Palm Bay routes nearly all highway traffic through just three I-95 interchanges: Palm Bay Road, Malabar Road, and St. Johns Heritage Parkway.[2] A crash near any of these exits can cause significant delays and disrupt your commute.
Flooding is another hazard drivers should prepare for. Brevard County’s flat terrain and high water table mean even moderate rainfall can cause water to pool in low-lying areas.[3] Some Palm Bay neighborhoods are located within FEMA-designated flood zones. Cars left on low-lying streets are at risk of water damage during heavy rain.
Vehicle theft in the Palm Bay-Melbourne-Titusville metro is becoming less of a threat. Vehicle thefts totaled 230 vehicles in the first half of 2025, down 35% from 353 during the same period one year earlier, according to the National Insurance Crime Bureau.
The most commonly stolen models in Florida include the Hyundai Sonata and Elantra, Honda Accord and CR-V, Nissan Altima, and Toyota Corolla.
Theft still affects insurance costs because comprehensive insurance, sometimes called other-than-collision coverage, helps pay for theft, vandalism, and other non-collision damage. If vehicle theft continues to decline in the Palm Bay area, comprehensive coverage could become less expensive for local drivers.
Venice and Milton have the lowest car insurance rates in Florida, while drivers in Miami Gardens and Boynton Beach pay the most, according to Insurify data.
Palm Bay drivers pay an average of $169 per month, and neighboring Melbourne averages $160 per month.
One difference between the two cities is commute time. Palm Bay residents spend about five more minutes traveling to work each day than Melbourne residents. Time spent on the road is one factor insurance companies consider when setting rates.
The table below shows how Palm Bay’s average rate compares with rates in other Florida cities.
City | Average Monthly Quote |
|---|---|
| Apopka | $187 |
| Cape Coral | $168 |
| Clearwater | $174 |
| Davenport | $187 |
| Daytona Beach | $175 |
| Fort Lauderdale | $217 |
| Fort Myers | $178 |
| Gainesville | $156 |
| Jacksonville | $186 |
| Jupiter | $163 |
| Lakeland | $175 |
| Melbourne | $160 |
| Miami | $238 |
| Miami Gardens | $221 |
| Milton | $139 |
| Naples | $161 |
| Ocala | $169 |
| Orlando | $207 |
| Palm Bay | $169 |
| Panama City | $146 |
| Pensacola | $159 |
| Pompano Beach | $221 |
| Riverview | $217 |
| Saint Petersburg | $184 |
| Sarasota | $157 |
| Spring Hill | $197 |
| Tallahassee | $166 |
| Tampa | $239 |
| Venice | $132 |
| West Palm Beach | $223 |
| Winter Haven | $180 |
Expect roadwork on Malabar Road, where the city is expanding the route to four lanes between Minton Road and the St. Johns Heritage Parkway. The project reflects how heavily locals rely on the corridor. Palm Bay drivers log an average of 8,884 miles per year, according to Insurify data.
Watch your speed in the city, too. The Palm Bay Police Department describes its Traffic Unit’s enforcement as “zero tolerance,” making violations more likely to result in a ticket. Tickets can increase your insurance premium at renewal.[4]
Florida insurance costs are higher than in many states. Car insurance in Palm Bay also costs more than the Florida average because of local risks such as hurricane damage, traffic violations, and crash risk.
Storm risk can raise insurance costs in coastal cities like Palm Bay, especially during hurricane season. In October 2024, Hurricane Milton washed away part of the ground supporting Norwood Street NE and damaged drainage and utility systems. Flooded roads can also mean flooded cars, leading to more insurance claims.
Speeding tickets appear on 3.7% of Palm Bay driving records, compared with 3.1% in Melbourne, according to Insurify data. With more people per square mile than the statewide average, Palm Bay has greater crash exposure, which can contribute to higher insurance costs.
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Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
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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
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
State Farm has the cheapest state-minimum car insurance coverage in Palm Bay. Its prices average $72 per month.
Florida car insurance requirements call for at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability coverage. A liability insurance policy costs less than full coverage but won’t pay for damage to your vehicle. Florida drivers can also add bodily injury liability and uninsured motorist coverage for extra protection.
For cheap liability car insurance, Palm Bay drivers can compare the lowest rates in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $72 |
| Progressive | $73 |
| Clearcover | $76 |
| Mile Auto | $77 |
| GEICO | $82 |
| Embark | $94 |
| Dairyland | $96 |
| Direct Auto | $107 |
| GAINSCO | $107 |
| Mercury | $109 |
| The General | $114 |
| Bristol West | $122 |
| Allstate | $125 |
| AssuranceAmerica | $125 |
| National General | $130 |
| Insurify Car | $139 |
| Root | $143 |
| Travelers | $148 |
| Hugo | $182 |
| Mendota | $201 |
| First Acceptance | $205 |
| Liberty Mutual | $206 |
At an average of $116 per month, State Farm offers the cheapest full-coverage insurance in Palm Bay.
Parts of the city lie in FEMA flood zones, and a liability-only policy won’t pay to replace your car if rising water totals it. Full coverage typically includes comprehensive coverage, which does pay to replace your car.
Full coverage may make particular sense for Palm Bay drivers with new cars, electric vehicles, or expensive models from brands like Mazda or Subaru that could be costly to repair or replace. Choosing a higher deductible can lower your premium, but you’ll pay more if you file a claim.
The following table shows the cheapest full-coverage car insurance in Palm Bay.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $116 |
| Progressive | $129 |
| Mile Auto | $145 |
| Mercury | $163 |
| GEICO | $169 |
| National General | $171 |
| Direct Auto | $182 |
| Clearcover | $190 |
| Bristol West | $191 |
| Allstate | $202 |
| The General | $219 |
| AssuranceAmerica | $229 |
| Embark | $232 |
| Travelers | $240 |
| GAINSCO | $257 |
| Root | $257 |
| Liberty Mutual | $269 |
| Dairyland | $287 |
| First Acceptance | $300 |
| Mendota | $317 |
*Quotes generated for Insurify users in and around Palm Bay, Florida within the last 10 days. Last updated on July 25, 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 July 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
For Palm Bay drivers with a ticket, State Farm has the lowest average liability insurance rates.
A typical speeding ticket adds three points to your Florida driving record, though eligible Brevard County drivers may be able to avoid the points by completing a driver-improvement course.[5] [6]
The table below shows the cheapest quotes for Palm Bay drivers with a speeding ticket.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $85 |
| State Farm | $88 |
| Mile Auto | $90 |
| Clearcover | $94 |
| GEICO | $104 |
| Embark | $110 |
| Dairyland | $115 |
| GAINSCO | $124 |
| Direct Auto | $130 |
| Mercury | $146 |
| The General | $148 |
| Bristol West | $149 |
| AssuranceAmerica | $154 |
| National General | $157 |
| Allstate | $157 |
| Insurify Car | $162 |
| Root | $164 |
| Travelers | $185 |
| Hugo | $212 |
| Mendota | $234 |
| First Acceptance | $239 |
| Liberty Mutual | $254 |
At-fault accidents appear on 4.3% of Palm Bay driving records, according to Insurify data. If you fall into that group, consider State Farm for cheaper car insurance coverage.
Florida is a no-fault state, and PIP coverage pays out regardless of who caused the crash. Still, an accident on your record can increase your future car insurance rates.
The table below lists the lowest rates for Palm Bay drivers with an at-fault accident.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $93 |
| State Farm | $94 |
| Mile Auto | $102 |
| Clearcover | $106 |
| GEICO | $106 |
| Embark | $119 |
| Dairyland | $124 |
| GAINSCO | $134 |
| Direct Auto | $143 |
| The General | $154 |
| Bristol West | $158 |
| Mercury | $160 |
| AssuranceAmerica | $163 |
| Allstate | $165 |
| National General | $170 |
| Root | $176 |
| Insurify Car | $176 |
| Travelers | $196 |
| Hugo | $231 |
| Mendota | $255 |
| First Acceptance | $260 |
| Liberty Mutual | $268 |
A driving under the influence (DUI) conviction is the rarest mark on local records. Fewer than 1% of Palm Bay drivers have one, according to Insurify data. After a DUI, the cheapest coverage comes from State Farm, with an average rate of $99 per month.
Because a DUI can significantly increase insurance costs, avoiding one is especially important. The Palm Bay Police Department has drug recognition experts available around the clock to check drivers for signs of drug or alcohol impairment during traffic stops and after crashes.
Here are the cheapest quotes available to Palm Bay drivers after a DUI.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $95 |
| State Farm | $99 |
| Clearcover | $100 |
| Mile Auto | $106 |
| GEICO | $112 |
| Embark | $122 |
| Dairyland | $132 |
| Direct Auto | $147 |
| GAINSCO | $147 |
| The General | $152 |
| Mercury | $159 |
| Bristol West | $167 |
| Allstate | $172 |
| AssuranceAmerica | $172 |
| National General | $178 |
| Insurify Car | $181 |
| Root | $196 |
| Travelers | $203 |
| Hugo | $237 |
| Mendota | $262 |
| First Acceptance | $267 |
| Liberty Mutual | $283 |
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With 22% of Palm Bay residents younger than 18, the city has a steady stream of new drivers seeking their first car insurance quotes. In Florida, teen drivers can start with a learner’s permit at 15 and get their official license at age 16 after logging 50 supervised driving hours, including 10 at night.
Because teens have limited driving history, insurers typically charge this group higher premiums. Palm Bay teens pay monthly averages of $222 for liability policies and $345 for full-coverage policies.
The table below shows the cheapest rates for teenage drivers in Palm Bay.
Insurance Company | Average Monthly Quote |
|---|---|
| Clearcover | $119 |
| Progressive | $123 |
| State Farm | $134 |
| GEICO | $142 |
| Mile Auto | $152 |
| Embark | $158 |
| Dairyland | $160 |
| GAINSCO | $181 |
| Mercury | $191 |
| The General | $198 |
| Direct Auto | $201 |
| Root | $206 |
| Bristol West | $207 |
| Insurify Car | $234 |
| Allstate | $237 |
| National General | $249 |
| AssuranceAmerica | $250 |
| Travelers | $296 |
| Hugo | $306 |
| Mendota | $338 |
| First Acceptance | $345 |
| Liberty Mutual | $346 |
Seniors make up a sizable share of the local market, since 19% of Palm Bay residents are 65 or older. Seniors in Palm Bay pay an average of $119 per month for liability coverage.
Age is one of the factors insurers weigh when setting rates, so comparing car insurance quotes is the best way to find the lowest rate. And if you’re a Florida driver who’s 55 years old or older, you can get a mature driver discount if you complete a state-approved course.
The table below shows the cheapest quotes for senior drivers in Palm Bay.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $58 |
| Mile Auto | $62 |
| Progressive | $66 |
| GEICO | $67 |
| Clearcover | $68 |
| Dairyland | $83 |
| Embark | $85 |
| Mercury | $88 |
| Direct Auto | $90 |
| GAINSCO | $94 |
| The General | $99 |
| AssuranceAmerica | $100 |
| Allstate | $104 |
| Bristol West | $104 |
| National General | $104 |
| Travelers | $121 |
| Insurify Car | $125 |
| Root | $134 |
| Hugo | $164 |
| Liberty Mutual | $175 |
| Mendota | $181 |
| First Acceptance | $184 |
Here are answers to the questions Palm Bay drivers ask most when shopping for car insurance coverage.
Palm Bay drivers pay an average of $132 per month for liability coverage, according to Insurify data. Full coverage, which provides protection for your own car, costs an average of $205 per month.
State Farm offers the most affordable car insurance in Palm Bay, with liability coverage averaging $72 per month, according to Insurify data. You may be able to save even more by asking your local agent or insurance agency about available insurance discounts.
State Farm, GEICO, and Allstate rank among the best insurance companies in Florida. State Farm, Progressive, and Clearcover consistently quote some of the lowest prices in Palm Bay, according to Insurify data.
Shopping around is the easiest way for Palm Bay drivers to save on car insurance. Asking your insurance agent about insurance discounts can make a difference. Many insurers also offer multiple insurance products, including auto and property insurance. Bundling auto insurance with homeowners or renters insurance may lower your premium.
Flood-prone zones, hurricane damage, and a longer commute than nearby Melbourne all influence car insurance rates in Palm Bay. Your driving record, coverage choices, and age also affect your rates.
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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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
25 years teaching risk management and insurance course
Former commercial lines underwriter
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.
