120+ more)
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10+ years editing experience
Published in U.S. News and World Report, Newsweek, and the Wall Street Journal
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Updated
Car insurance in Palm Beach Gardens, Florida, averages $197 per month. Liability-only coverage costs an average of $156 per month, and full coverage costs an average of $237 per month.
Drivers here pay less than in West Palm Beach, thanks to a lower population density and accident rate.[1] But rates in Palm Beach Gardens are slightly higher than in nearby Jupiter, where the population is roughly similar but the average monthly cost is $167.
The cheapest insurer for liability-only car insurance in Palm Beach Gardens is State Farm, with an average monthly rate of $84. That’s cheaper than both the city and Florida averages.
Liability-only car insurance must meet Florida’s minimum liability requirements. Florida requires drivers to carry $10,000 in personal injury protection (PIP) coverage and $10,000 in property damage liability (PDL).[2] The state doesn’t require bodily injury liability coverage.
The following table shows the cheapest liability car insurance rates in Palm Beach Gardens.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $84 |
| Clearcover | $90 |
| Mile Auto | $91 |
| Progressive | $91 |
| GEICO | $94 |
| Embark | $110 |
| Dairyland | $117 |
| GAINSCO | $125 |
| Direct Auto | $126 |
| Mercury | $129 |
| The General | $133 |
| Bristol West | $143 |
| Allstate | $146 |
| AssuranceAmerica | $146 |
| National General | $153 |
| Insurify Car | $158 |
| Root | $171 |
| Travelers | $173 |
| Hugo | $212 |
| Mendota | $235 |
| First Acceptance | $236 |
| Liberty Mutual | $241 |
Insurify Car makes it affordable and easy to get same-day liability coverage
State Farm offers the cheapest average rate for full-coverage car insurance in Palm Beach Gardens, at $134 per month. That’s lower than rates in West Palm Beach, but higher than in Jupiter.
Palm Beach Gardens drivers can benefit from collision coverage and comprehensive coverage to help protect against risks like accidents on Interstate 95 and damage from storms and hurricanes.[3] [4]
The following table shows the cheapest full-coverage car insurance rates in Palm Beach Gardens.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $134 |
| Progressive | $150 |
| Mile Auto | $171 |
| Mercury | $190 |
| GEICO | $196 |
| National General | $198 |
| Direct Auto | $210 |
| Bristol West | $221 |
| Clearcover | $221 |
| Allstate | $234 |
| The General | $256 |
| AssuranceAmerica | $264 |
| Embark | $269 |
| Travelers | $278 |
| GAINSCO | $298 |
| Root | $302 |
| Liberty Mutual | $312 |
| Dairyland | $336 |
| First Acceptance | $345 |
| Mendota | $366 |
The cheapest city in Florida for car insurance is in Venice, a Gulf Coast city with an average monthly rate of $134. The most expensive city is Miami Gardens, with an average monthly rate of $268. Palm Beach Gardens sits in the middle, but its rates are still higher than the Florida average.
Palm Beach Gardens drivers pay higher-than-average insurance rates despite having lower-than-average ticket and accident rates. The area’s elevated wind risk from hurricanes and severe storms, along with a slightly higher driving under the influence (DUI) rate than the Florida average, may help explain why premiums are higher.
The following table shows the average monthly quotes for other cities in Florida.
City | Average Monthly Quote |
|---|---|
| Venice | $134 |
| Milton | $142 |
| The Villages | $143 |
| Saint Augustine | $149 |
| North Port | $150 |
| Panama City | $150 |
| Punta Gorda | $150 |
| Vero Beach | $150 |
| Port Orange | $153 |
| Eustis | $155 |
| Gainesville | $157 |
| Sarasota | $158 |
| Melbourne | $161 |
| Palm Coast | $161 |
| Cocoa | $164 |
| Naples | $164 |
| Pensacola | $164 |
| Palm Bay | $166 |
| Jupiter | $167 |
| Cape Coral | $169 |
| Tallahassee | $169 |
| Ocala | $170 |
| Largo | $172 |
| Bradenton | $175 |
| Clearwater | $175 |
| Daytona Beach | $175 |
| Port Saint Lucie | $175 |
| Lakeland | $177 |
| Winter Springs | $177 |
| Saint Cloud | $178 |
| Clermont | $179 |
| Winter Haven | $179 |
| Fort Myers | $180 |
| Sanford | $180 |
| Pinellas Park | $183 |
| Oviedo | $185 |
| Plant City | $185 |
| Coral Springs | $186 |
| Orange Park | $186 |
| Saint Petersburg | $186 |
| Jacksonville | $187 |
| Palm Harbor | $188 |
| Davenport | $189 |
| Apopka | $190 |
| Altamonte Springs | $192 |
| Deltona | $196 |
| Spring Hill | $198 |
| Kissimmee | $199 |
| New Port Richey | $204 |
| Wesley Chapel | $206 |
| Orlando | $208 |
| Wellington | $212 |
| Boca Raton | $215 |
| Brandon | $215 |
| Riverview | $215 |
| Fort Lauderdale | $218 |
| Hollywood | $220 |
| North Miami Beach | $220 |
| Holiday | $223 |
| Pompano Beach | $224 |
| West Palm Beach | $224 |
| Homestead | $227 |
| Miami Beach | $227 |
| Deerfield Beach | $233 |
| Delray Beach | $239 |
| Lake Worth | $239 |
| Hialeah | $240 |
| Tampa | $241 |
| Miami | $242 |
| Boynton Beach | $255 |
| Miami Gardens | $268 |
Insurance in Palm Beach Gardens is more expensive than the state average for several reasons.
Palm Beach Gardens contains several roadways that the Palm Beach Metropolitan Planning Organization (formerly the Palm Beach Transportation Planning Agency) identifies as part of its “high injury networks.”
Although these roads make up just 4% of the county’s roadway network, they account for a disproportionate share of fatal and serious-injury crashes. These roads include PGA Boulevard, Northlake Boulevard, and Dixie Highway (State Road 811).
The city also faces a high risk from hurricanes and severe storms, which can damage vehicles and drive up comprehensive insurance claims. Additional coverages, like uninsured motorist coverage, can also increase the cost of car insurance in Palm Beach Gardens.
*Quotes generated for Insurify users in and around Palm Beach Gardens, Florida within the last 10 days. Last updated on August 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Palm Beach Gardens, Florida within the last 10 days. Last updated on August 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Compared to a clean driving record, violations like speeding tickets, at-fault accidents, and DUIs can raise your car insurance costs.
Here are the insurers with the cheapest average rates in Palm Beach by driving record:
Cheapest car insurance for Palm Beach Gardens drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Palm Beach Gardens: State Farm
Cheapest car insurance for Palm Beach Gardens drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Palm Beach Gardens: State Farm
At 2.53%, Palm Beach Gardens has a lower rate of drivers with speeding tickets than both the Florida average of 3.16% and nearby West Palm Beach’s average of 3.47%, according to Insurify data.
Palm Beach Gardens’ DUI rate of 0.70% is tied for 17th-highest among Florida cities. It’s higher than rates in Miami, Fort Lauderdale, West Palm Beach, and the state average, according to Insurify data.
The table below shows the average monthly quotes by driving record in Palm Beach Gardens.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $197 |
| Speeding ticket | $228 |
| At-fault accident | $248 |
| DUI | $254 |
Palm Beach Gardens drivers can expect heavier traffic during major events at PGA National Resort. Each year, the Cognizant Classic draws thousands of spectators in late February. This can increase congestion on roads near the tournament venue, including PGA Boulevard and Avenue of the Champions.[5] Drivers should allow extra travel time during the event and watch for increased pedestrian activity.
On Palm Beach Gardens roadways with a speed limit of 35 mph or less, drivers should also watch out for low-speed vehicles (LSVs), such as street-legal golf carts. The city allows these vehicles on designated roadways, but operators must follow the same traffic laws as other motorists, and their vehicles can’t exceed 25 mph.[6]
Palm Beach Gardens’ population has grown by about 8% over the past five years, putting pressure on the city’s transportation infrastructure, according to the U.S. Census Bureau.
Florida Department of Transportation roadway and traffic-signal improvement projects along the PGA Boulevard corridor have caused temporary congestion and delays during construction. Traffic conditions like these can increase the risk of collisions. Insurers assess these risks when pricing insurance in Palm Beach Gardens.
Rush-hour traffic often causes congestion on I-95, as well as near PGA Boulevard and Donald Ross Road, and along State Road 811.[7] Some sections of PGA Boulevard carry more than 43,000 vehicles per day, on average.
PGA Boulevard is also a hotspot for crashes, according to Palm Beach County’s crash data.
Find an affordable policy in Palm Beach Gardens
State Farm offers the cheapest average rates for teen drivers in Palm Beach Gardens, at $155 per month for liability-only coverage.
Florida law allows teens in Palm Beach Gardens to get their learner’s permit at 15 and their driver’s license one year later, at age 16. About 17% of Palm Beach Gardens residents are younger than 18, according to the U.S. Census Bureau.
The table below shows the cheapest rates for teenage drivers in Palm Beach Gardens.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Clearcover | $140 |
| Progressive | $151 |
| State Farm | $155 |
| GEICO | $162 |
| Mile Auto | $179 |
| Embark | $183 |
| Dairyland | $193 |
| GAINSCO | $209 |
| Mercury | $224 |
| The General | $229 |
| Direct Auto | $235 |
| Bristol West | $241 |
| Allstate | $243 |
| Root | $244 |
| Insurify Car | $263 |
| AssuranceAmerica | $289 |
| National General | $290 |
| Travelers | $343 |
| Hugo | $352 |
| Mendota | $390 |
| First Acceptance | $392 |
| Liberty Mutual | $402 |
About 33% of Palm Beach Gardens residents are 65 or older, according to U.S. Census data. That’s well above the Florida average. Seniors in Palm Beach Gardens pay a monthly average of $140 for liability coverage.
The cheapest insurer for senior drivers in Palm Beach Gardens is State Farm. Senior drivers can find the cheapest rates from the following insurers.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $67 |
| Mile Auto | $73 |
| GEICO | $76 |
| Clearcover | $81 |
| Progressive | $82 |
| Embark | $99 |
| Dairyland | $101 |
| Mercury | $104 |
| Direct Auto | $105 |
| GAINSCO | $109 |
| The General | $115 |
| AssuranceAmerica | $117 |
| Bristol West | $122 |
| National General | $123 |
| Allstate | $131 |
| Travelers | $142 |
| Insurify Car | $142 |
| Root | $161 |
| Hugo | $191 |
| Liberty Mutual | $204 |
| Mendota | $211 |
| First Acceptance | $212 |
Below are some of the most frequently asked questions about car insurance in Palm Beach Gardens.
Car insurance costs an average of $156 per month for liability coverage in Palm Beach Gardens. Full-coverage insurance averages $237 per month.
State Farm offers the cheapest car insurance in Palm Beach Gardens, at $84 per month for a liability-only policy.
You can find the best car insurance quotes in Palm Beach by comparing multiple auto insurance companies. Consider bundling your auto policy with home insurance, renters insurance, or condo insurance for additional savings.
Senior drivers in Palm Beach Gardens can find the cheapest car insurance with State Farm, Clearcover, and Mile Auto.
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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10+ years editing experience
Published in U.S. News and World Report, Newsweek, and the Wall Street Journal
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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.
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