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Drivers in Palm Coast pay an average monthly rate of $121 for liability-only coverage and $199 for full-coverage car insurance, according to Insurify data. Palm Coast’s average insurance cost is lower than in nearby Florida cities like Jacksonville and Daytona Beach.
The city’s lower insurance rates are likely due in part to low crime rates and a smaller population.
State Farm offers the cheapest liability insurance rates in Palm Coast, while State Farm has the lowest average full-coverage rates. Car insurance rates in Palm Coast are lower than the Florida state average.
Florida’s car insurance requirements are some of the lowest in the country. Drivers must have only $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) coverage.[1] Unlike most other states, you don’t have to have bodily injury liability insurance in Florida.
Because liability-only insurance doesn’t cover your vehicle, drivers in Palm Coast may want to consider full coverage to protect against the city’s high risk of hurricane flooding.
The following table shows the cheapest liability-only and full-coverage rates in Palm Coast.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $80 | $128 |
| Clearcover | $86 | $211 |
| Mile Auto | $87 | $163 |
| Progressive | $87 | $143 |
| GEICO | $90 | $187 |
| Embark | $105 | $257 |
| Dairyland | $112 | $321 |
| GAINSCO | $119 | $284 |
| Direct Auto | $120 | $200 |
| Mercury | $123 | $181 |
| The General | $127 | $244 |
| Bristol West | $136 | $211 |
| Allstate | $139 | $223 |
| AssuranceAmerica | $139 | $252 |
| National General | $146 | $189 |
| Root | $163 | $288 |
| Travelers | $165 | $265 |
| Mendota | $224 | $349 |
| First Acceptance | $225 | $329 |
| Liberty Mutual | $230 | $298 |
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Palm Coast drivers pay an average of $160 per month for insurance, which is less than in nearby Daytona Beach and much less than what drivers pay in large cities like Tampa and Miami.
Palm Coast has a low vehicle theft rate, according to Insurify data, which may contribute to its lower average car insurance rates. The table below shows average monthly quotes for various Florida cities, including Palm Coast.
City | Average Monthly Quote |
|---|---|
| Apopka | $187 |
| Cape Coral | $168 |
| Clearwater | $174 |
| Coral Springs | $183 |
| 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 | $265 |
| Naples | $161 |
| Ocala | $169 |
| Orlando | $207 |
| Palm Bay | $169 |
| Palm Coast | $160 |
| Panama City | $146 |
| Pensacola | $159 |
| Pompano Beach | $221 |
| Riverview | $217 |
| St. Petersburg | $184 |
| Sarasota | $157 |
| Spring Hill | $197 |
| Tallahassee | $166 |
| Tampa | $239 |
| Venice | $132 |
| West Palm Beach | $223 |
| Winter Haven | $180 |
Located in Flagler County, Palm Coast is very close to the ocean. Hurricane season can cause flooding in low-lying areas, and major storms have forced evacuations in areas near Palm Coast, especially along the coast.
During storms, it’s important to pay attention to weather alerts and avoid flooded roadways, even after the storm passes.
Traffic in Palm Coast tends to be lighter than in larger Florida cities, but congestion can increase along Interstate 95 and U.S. Route 1 during peak tourist seasons. Palm Coast also serves as a commuter hub for residents traveling to Daytona Beach and Jacksonville, which contributes to higher traffic volumes during the morning and evening rush hours.[2]
If you typically park outside, consider using a garage or covered area during severe weather to reduce the risk of wind and hail damage to your car. Drivers in Palm Coast who live near the coast or in a flood-prone area may also want to consider comprehensive coverage, which pays for damage to your car from hurricanes, flooding, and fallen trees.
In 2025, Palm Coast approved a permanent traffic-calming program, with implementation scheduled for 2026.
A pilot program found that installing speed cushions and other safety measures helped drivers reduce their speeds by an average of four to five miles per hour. Lower speeds help reduce accident risk.[3]
In Palm Coast, 2.7% of drivers have a ticket, 3.2% have an accident, and 0.5% have a driving under the influence (DUI) conviction on their record, according to Insurify data.
Because Florida is a no-fault state, your own insurance typically helps cover medical expenses and lost wages after an accident, regardless of who was at fault.
Check out the table below to see average monthly insurance rates in Palm Coast by driving history, according to Insurify data.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $160 |
| Speeding ticket | $187 |
| At-fault accident | $203 |
| DUI | $208 |
Seniors make up just under 30% of the population in Palm Coast.[4] Drivers aged 60 and older pay some of the lowest insurance rates.
Teens, on the other hand, typically pay the highest rates. In Flagler County, teen drivers have the option to take the Teen Driver Challenge, which addresses driving under the influence, texting and driving, and speeding. The program is free, and more than 2,000 students enroll each year.[5]
The following table shows average monthly car insurance rates in Palm Coast by age group.
Age | Average Monthly Quote |
|---|---|
| Teens | $269 |
| 20s | $189 |
| 30s | $169 |
| 40s | $165 |
| 50s | $152 |
| 60s | $143 |
| 70+ | $147 |
*Quotes generated for Insurify users in and around Palm Coast, Florida within the last 10 days. Last updated on August 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Palm Coast, Florida within the last 10 days. Last updated on August 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
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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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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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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.
Palm Coast drivers often pay less for car insurance than drivers in larger Florida cities, whether they drive a Mercedes-Benz, minivan, or electric vehicle. These answers to frequently asked questions can help you find the best car insurance.
Palm Coast drivers pay an average monthly rate of $160 for car insurance, which is below the state average. A liability-only insurance policy averages $121 per month, while full coverage costs an average of $199.
You can find cheap Palm Coast car insurance by bundling your auto and home or renters insurance, increasing your deductible, and comparing quotes from several companies. Florida insurance companies may also offer discounts for having a safe driving record, being a good student, buying a new car with certain safety features, or driving fewer miles.
State Farm has the cheapest liability insurance, on average, for Palm Coast drivers, but your exact rate will vary. Ultimately, the best insurer for you depends on your insurance needs and preferences.
Your driving record, deductible, vehicle type, and additional coverage options all affect how much you pay for car insurance in Palm Coast. For example, your premium may increase if you add optional insurance coverage, such as roadside assistance or rental reimbursement.
State Farm offers the cheapest liability insurance in Florida, with liability policies averaging $80 per month. It’s still a good idea to compare multiple car insurance quotes to help you find the best rates and coverage for your situation.
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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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
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