Cheapest Auto Insurance in West Palm Beach, Florida (2026)
State Farm offers the cheapest rates in West Palm Beach, starting at $122 per month.
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Nick DaukInsurance Writer
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Table of contents
The average monthly cost of insurance in West Palm Beach is $192 for liability only and $224 for full coverage, which is higher than the Florida averages of $164 and $203 for the same coverages. The area’s high number of crashes and susceptibility to storm damage and king tide flooding likely contribute to its higher average rates.[1]
One insurer may have a cheaper average rate but not have the coverage you need, while another insurer may have a higher average rate but offer you discounts that reduce your premiums. Here’s what you need to know about comparing quotes and finding the best prices in West Palm Beach.
Quick Facts
State Farm, Mile Auto, and Progressive have the cheapest car insurance in West Palm Beach.
West Palm Beach drivers pay a yearly average of $2,684 for full-coverage policies.
Palm Beach County reported more than 26,000 crashes in 2023, including 171 fatal accidents that claimed 182 lives.[2]
6 of the cheapest car insurance companies in West Palm Beach
Insurify strives to offer car insurance insights for drivers and identify the cheapest car insurance companies in your area. But the best auto insurance company for you will depend on your situation and needs. Start with these insurers while you shop for quotes.
 |  |  |  |  |  |
|---|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $77/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $169/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $111/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $140/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $162/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $326/mo* |
Overall rating 4.9 | Overall rating 4.0 | Overall rating 4.0 | Overall rating 4.2 | Overall rating 3.2 | Overall rating 3.4 |
Value for money 4.9/5 | Value for money 3.8/5 | Value for money 3.7/5 | Value for money 3.6/5 | Value for money 3.0/5 | Value for money 3.0/5 |
Customer service 4.8/5 | Customer service 4.1/5 | Customer service 4.2/5 | Customer service 4.0/5 | Customer service 3.3/5 | Customer service 3.4/5 |
Claims handling 4.9/5 | Claims handling 4.1/5 | Claims handling 4.1/5 | Claims handling 4.2/5 | Claims handling 3.3/5 | Claims handling 3.5/5 |
Special highlight Members of the military communityAI-generated from 1476 user reviews | Special highlight Teen driversAI-generated from 7412 user reviews | Special highlight Customer serviceAI-generated from 7164 user reviews | Special highlight Usage-based savingsAI-generated from 511 user reviews | Special highlight Competitive ratesAI-generated from 8117 user reviews | Special highlight Numerous discountsAI-generated from 1884 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best insurer for pay-as-you-go coverage: Hugo
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.3 /10 |
| 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. | $199/mo |
4.5
Best choice in West Palm Beach, FLBased on 191 verified driver reviews and ratings
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best in West Palm Beach for
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best in West Palm Beach for
Micropayments
No down payments
Fast coverage
Showing recent national reviews - See all 64 Hugo reviews
Angela
Verified Purchase
Affordable
Reviewed in Texas on February 2, 2026
Love that you can pay it freely by the day, week, or month.
Theola
Verified Purchase
Awesome and Affordable
Reviewed in Illinois on February 1, 2026
Awesome price with coverage.
Peter
Verified Review
Excellent
Reviewed in Alabama on January 31, 2026
Hugo has the best liability insurance and the cheapest.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy we picked this company
Drivers who only need state minimum coverage may want to consider Hugo. The pay-as-you-go insurer sells policies for as little as three days at a time and up to six months, allowing you to make micropayments. Hugo only sells state-minimum liability coverage, so if you need higher limits, or full coverage, you’ll need to consider a different insurer.
Pros
Flexible payment options
Online policy access and management
Cons
No full-coverage option
Doesn’t offer FR-44 certificates
Best insurer for teen drivers: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $132/mo |
4.0
Best choice in West Palm Beach, FLBased on 15,707 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in West Palm Beach for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in West Palm Beach for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Florida reviews for West Palm Beach drivers - See all 7,164 State Farm reviews
Rosemary
Verified Review
Too Expensive
Reviewed in Florida on March 1, 2026
Very expensive. I've been with State Farm for over 40 years with no claims, and they are still raising rates on me.
Brian
Verified Review
Better insurance at a reasonable price
Reviewed in Florida on February 24, 2026
Too expensive. I've been with them for 20 plus years and can't get a break.
Begona
Verified Review
State Farm plays with numbers!
Reviewed in Florida on February 23, 2026
State Farm raised my payment in May 2025 to $352.30, June $352.30, July $355.42, August $355.42, September $355.43, October $467.60, November $495.20, December $495.20, January $464.27, February $468.58. This should be illegal; no notice in the mail. They are just playing with numbers, and I’m over it. That’s how I feel! This is crazy! Can State Farm do this? Tips to my friends: stay away.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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).
A++Why we picked this company
Teens and young adults have higher average policy premiums than older drivers, but State Farm, the largest U.S. auto insurer by market share, helps mitigate this by offering multiple discounts. Bundling options are available to lower your premiums further, no matter if you’re a new driver or a parent adding a teen to your policy.
Pros
Multiple discounts and bundles available
A++ (Superior) financial strength rating from AM Best, the highest level possible
Cons
No gap insurance
Accident forgiveness limited to long-time customers
Best insurer for drivers with incidents: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| 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. | $205/mo |
4.0
Best choice in West Palm Beach, FLBased on 15,938 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in West Palm Beach for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in West Palm Beach for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 Florida reviews for West Palm Beach drivers - See all 7,412 GEICO reviews
Loretta
Verified Purchase
Buying Car Insurance
Reviewed in Florida on March 3, 2026
I was pleased with the price and experience.
Brett
Verified Review
GEICO keeps my rate lower than others - every time I check!
Reviewed in Florida on March 2, 2026
Consistently provides the least expensive rate for my coverage, which includes emergency service and rental.
Aleida
Verified Review
Not Very Good
Reviewed in Florida on February 27, 2026
After changing my address, my monthly payment increased by $31.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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).
A++Why we picked this company
Clean records lead to the best rates, but if you have a DUI, speeding ticket, or at-fault accident on your record, turn to GEICO to find some of the lowest rates in West Palm Beach. GEICO can also facilitate FR-44 filings for policyholders with a DUI. If you ’re improving your driving record or adding a driver who has an imperfect record, you could try to lower your rates further with the company’s DriveEasy telematics app.
Pros
Offers FR-44 filings
Some of the lowest rates for driving incidents
Cons
Accident forgiveness only applies to first accidents
No gap insurance available
How to get the cheapest car insurance in West Palm Beach
Your driving record is just one of the many factors influencing your rates, and finding the cheapest car insurance in West Palm Beach involves identifying other factors that can lower your premium. Consider these money-saving tips:
Reconsider your coverage. Reduce optional insurance on vehicles with values less than 10 times the cost of your annual premium.
Change your deductible. Raise your comprehensive and collision deductibles to potentially lower your premium costs; just be sure you can afford the out-of-pocket cost if you ever file a claim.
Practice safe driving habits. People with a clean driving record typically pay the lowest car insurance rates. Many car insurance companies offer discounts to people who remain accident-free for a certain period of time. To be a safe driver, follow the rules of the road, don’t follow cars in front of you too closely, and minimize distractions, such as using a cell phone.
Ask about discounts. Call an insurance agent and ask which discounts you might qualify for. The more discounts available, the lower your rates may be.
Shop quotes often. Compare rates whenever your policy is up for renewal to see which insurer can offer you the lowest premiums for the same coverage levels. Insurance professionals recommend you get at least three quotes when shopping for car insurance.
Find Cheap Car Insurance in West Palm Beach
Liability rates start at $122 per month
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4.7 out of 5 based on 12,363 reviews
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Cheapest liability-only car insurance in West Palm Beach: State Farm
Liability-only car insurance is typically the minimum insurance coverage a state requires. While the requirements may differ by state, these policies generally cover the bodily injuries and property damages that the at-fault driver causes. In some states, like Florida, bodily injury liability insurance isn’t required; instead, personal injury protection (PIP) coverage is.
The average rate for liability insurance in West Palm Beach is $192 per month, and you can see a collection of rates offered by top insurers in the table below.
The below rates in West Palm Beach, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $122 |
| Mile Auto | $148 |
| Progressive | $161 |
| GAINSCO | $165 |
| Direct Auto | $178 |
| Mercury | $181 |
| GEICO | $182 |
| The General | $197 |
| Bristol West | $202 |
| Infinity | $203 |
| National General | $208 |
| AssuranceAmerica | $210 |
| Allstate | $212 |
| Travelers | $252 |
| Root | $259 |
| Liberty Mutual | $373 |
Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in West Palm Beach: State Farm
The easiest way to remember the differences between liability-only and full-coverage car insurance is that liability generally pays for damages you cause to others in an accident, while full coverage generally pays for the damages you cause and the ones you incur. As such, full coverage is more expensive than liability insurance. West Palm Beach drivers pay a monthly average of $224 for full coverage.
Most insurers consider full-coverage policies to be a combination of liability-only coverage and two other coverages: collision insurance, which covers damages from your car hitting another vehicle or stationary object, even if you’re at fault; and comprehensive insurance, which covers damages from non-driving incidents like theft, flood and fire.
Drivers who are concerned about damage from severe weather, animal activity, hitting potholes, or jumping curbs may want to consider full-coverage policies. The table below shows the insurance companies with the lowest average quotes for full-coverage car insurance in West Palm Beach.
The below rates in West Palm Beach, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $132 |
| Mile Auto | $193 |
| GEICO | $205 |
| Progressive | $210 |
| Mercury | $219 |
| Allstate | $231 |
| Direct Auto | $241 |
| National General | $242 |
| Travelers | $274 |
| Bristol West | $277 |
| The General | $294 |
| Infinity | $298 |
| GAINSCO | $309 |
| AssuranceAmerica | $335 |
| Root | $337 |
| Liberty Mutual | $374 |
Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near West Palm Beach, Florida
Drivers in and around West Palm Beach, Florida have found policies from Dairyland, Bristol West, Direct Auto, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around West Palm Beach, Florida within the last 10 days. Last updated on March 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around West Palm Beach, Florida within the last 10 days. Last updated on March 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
As a no-fault state, Florida requires all drivers to carry a minimum amount of personal injury protection. PIP pays for your injuries, no matter which driver is at fault. Florida state law also requires all drivers to carry a minimum amount of property damage liability insurance.
Here are the minimum-coverage limits Florida drivers must purchase:[3]
Coverage | Minimum Requirements |
|---|---|
| Personal injury protection (PIP) | $10,000 per accident |
| Property damage liability | $10,000 per accident |
Florida’s minimum required insurance provides some coverage, but many drivers in West Palm Beach may want more coverage that protects them during other incidents. Along with comprehensive and collision insurance, these optional coverages may be useful for Florida drivers:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for damages to you or your car if you’re in an accident where the at-fault driver doesn’t have enough insurance to cover damages. It also covers damage from a hit-and-run accident.
Gap coverage
Gap insurance pays the difference between your auto loan or lease balance and the insurance settlement after a total loss.
Rental car reimbursement coverage
This pays for rental car expenses while your vehicle is in the shop for covered repairs.
Accident forgiveness coverage
Purchasing this optional coverage when you initiate a policy can help you avoid rate increases following your first at-fault accident. You’ll generally need at least three years of driving experience with a clean record to qualify for this coverage.
)
How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
If you don’t have incidents on your driving record, you’ll generally pay lower premiums. But moving violations, such as speeding tickets, at-fault accidents, and driving under the influence, can make your insurance prices increase even after one occurrence.
Insurance companies consider your driving record when determining your rates, and how much your car insurance increases after an incident depends on its severity and the claim amount.[4]
Find Car Insurance in West Palm Beach
Monthly rates start at $146 for drivers with an incident
Excellent
4.7 out of 5 based on 12,363 reviews
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding doesn’t always cause an accident, but high speeds are a common contributing factor in many fatal car accidents.[5] Insurers consider speeding an irresponsible driving habit, which is why they may raise your rates for several years when you get a speeding ticket, even if you don’t cause an accident.
The average monthly rate for liability coverage in West Palm Beach is $222 for drivers with a speeding ticket on their record.
Rate increases could be based on how much you exceeded the speed limit or your history of moving violations. If you have a speeding ticket, use the table below to compare average liability-only car insurance quotes from the cheapest insurers in West Palm Beach.
The below rates in West Palm Beach, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $122 | $149 |
| Mile Auto | $148 | $174 |
| Progressive | $161 | $187 |
| GAINSCO | $165 | $189 |
| Direct Auto | $178 | $214 |
| Mercury | $181 | $244 |
| GEICO | $182 | $229 |
| The General | $197 | $254 |
| Bristol West | $202 | $245 |
| Infinity | $203 | $249 |
| National General | $208 | $249 |
| AssuranceAmerica | $210 | $257 |
| Allstate | $212 | $266 |
| Travelers | $252 | $315 |
| Root | $259 | $333 |
| Liberty Mutual | $373 | $457 |
Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Whether it be a fender bender or a head-on collision, most at-fault accidents will raise your premiums. Even other accidents that happen in West Palm Beach, whether you’re involved in them or not, will influence premiums, and Palm Beach County has some of the highest crash rates in Florida.
The average rate for liability coverage in West Palm Beach for drivers with an accident on their record is $240 per month.
The table below shows the cheapest liability-only car insurance companies in West Palm Beach for drivers with an at-fault accident.
The below rates in West Palm Beach, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $122 | $157 |
| Mile Auto | $148 | $194 |
| Progressive | $161 | $202 |
| GAINSCO | $165 | $205 |
| Direct Auto | $178 | $236 |
| Mercury | $181 | $266 |
| GEICO | $182 | $230 |
| The General | $197 | $264 |
| Bristol West | $202 | $259 |
| Infinity | $203 | $255 |
| National General | $208 | $269 |
| AssuranceAmerica | $210 | $272 |
| Allstate | $212 | $276 |
| Travelers | $252 | $330 |
| Root | $259 | $336 |
| Liberty Mutual | $373 | $484 |
Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Driving under the influence is a problem in Palm Beach County. Alcohol was a factor in 385 crashes in the county throughout 2023, causing nine deaths. With drinking and driving leading to thousands of deaths across the country each year, insurers take DUIs seriously and raise a convicted driver’s rates significantly.
Liability insurance for West Palm Beach drivers with a DUI costs $272 per month, on average.
Here are the cheapest average liability-only quotes for drivers in West Palm Beach with a DUI.
The below rates in West Palm Beach, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $122 | $176 |
| Mile Auto | $148 | $213 |
| Progressive | $161 | $228 |
| GAINSCO | $165 | $238 |
| Direct Auto | $178 | $257 |
| Mercury | $181 | $274 |
| GEICO | $182 | $261 |
| The General | $197 | $284 |
| Bristol West | $202 | $291 |
| Infinity | $203 | $293 |
| National General | $208 | $300 |
| AssuranceAmerica | $210 | $303 |
| Allstate | $212 | $306 |
| Travelers | $252 | $363 |
| Root | $259 | $377 |
| Liberty Mutual | $373 | $538 |
Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Mile Auto
Approximately 20% of West Palm Beach’s population are adults aged 65 or older, and these drivers often see their rates rise around age 70.[6] Even though years of experience lead to insurance decreases around age 25, accident risks increase for seniors, leading to higher rates.[7]
The average rate for liability coverage for seniors in West Palm Beach is $172 per month. Despite these slight increases, senior drivers in West Palm Beach pay lower rates than teen and young adult drivers.
The below rates in West Palm Beach, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $98 | $106 |
| Mile Auto | $119 | $155 |
| GAINSCO | $143 | $268 |
| Progressive | $144 | $188 |
| Direct Auto | $147 | $198 |
| Mercury | $148 | $179 |
| GEICO | $148 | $167 |
| Infinity | $152 | $223 |
| National General | $167 | $194 |
| AssuranceAmerica | $168 | $267 |
| The General | $169 | $252 |
| Bristol West | $171 | $235 |
| Allstate | $176 | $192 |
| Travelers | $205 | $223 |
| Root | $221 | $288 |
| Liberty Mutual | $318 | $319 |
Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Car insurance for teen drivers in West Palm Beach can cost thousands of dollars per month, on average. Teens have a higher fatal crash rate than other age groups, which is why their rates are often higher.[8]
Teens in West Palm Beach pay an average of $333 per month for liability coverage.
While teens and young drivers should expect rates to be high, you can still save money apart from avoiding speeding tickets and at-fault accidents. Getting a safe car, qualifying for good student discounts, and staying on a parent’s policy can help lower insurance costs. Keep in mind, if you’re younger than 18, you won’t be able to buy your own car insurance policy without the written consent of a parent or guardian.
Here are the cheapest car insurance companies for teens and young adults in West Palm Beach.
The below rates in West Palm Beach, FL, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $232 | $251 |
| Progressive | $279 | $364 |
| GAINSCO | $295 | $553 |
| Mile Auto | $299 | $390 |
| GEICO | $318 | $359 |
| Mercury | $327 | $396 |
| Direct Auto | $336 | $455 |
| The General | $337 | $503 |
| Bristol West | $352 | $483 |
| Infinity | $370 | $543 |
| Allstate | $411 | $448 |
| National General | $413 | $480 |
| AssuranceAmerica | $427 | $682 |
| Root | $437 | $568 |
| Travelers | $513 | $558 |
| Liberty Mutual | $642 | $644 |
Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.
Find Car Insurance in West Palm Beach
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West Palm Beach car insurance quotes by credit tier
Your credit history can influence your insurance premiums, even if you have a clean driving record. Florida state law allows insurers to use a driver’s credit history to determine their level of claims risk, but it can’t be the only factor they use.[9]
Drivers with excellent or good credit typically receive better rates than drivers with poor credit. In the chart below, you can see how much West Palm Beach drivers pay each month for car insurance based on their credit tier.
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.
Is car insurance more expensive in West Palm Beach?
Car insurance in West Palm Beach is more expensive than in many other Florida cities. The average cost of car insurance in the city is $192 per month for liability coverage and $224 per month for full coverage. For comparison, Florida’s average cost of car insurance is $164 per month for liability coverage and $203 per month for full coverage.
More cities in Florida
Looking at other cities in Florida, most have cheaper quotes on average than West Palm Beach, except for Tampa, which has slightly higher rates.
City | Full Coverage | Liability Only |
|---|---|---|
| Cape Coral | $196 | $156 |
| Clearwater | $200 | $164 |
| Fort Lauderdale | $222 | $186 |
| Jacksonville | $206 | $163 |
| Miami | $260 | $204 |
| Ocala | $189 | $163 |
| Orlando | $229 | $182 |
| Pensacola | $192 | $138 |
| Tallahassee | $188 | $142 |
| Tampa | $262 | $205 |
| Winter Haven | $218 | $160 |
Disclaimer: Table data is based on real-time West Palm Beach quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
West Palm Beach car insurance FAQs
Check out Insurify’s study on the states with the highest rates of uninsured drivers, and learn more about West Palm Beach car insurance below.
How much is car insurance in West Palm Beach?
The average cost of car insurance in West Palm Beach is $192 per month for liability coverage and $224 per month for full coverage.
Which company has the cheapest car insurance in West Palm Beach?
State Farm has the cheapest car insurance in West Palm Beach, with monthly liability rates as low as $122. Mile Auto and Progressive also offer affordable coverage, with respective monthly liability rates of $148 and $161.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in West Palm Beach?
Some of the best car insurance companies in West Palm Beach include GEICO, Hugo, and State Farm. These companies have lower rates than many other insurers in the area and strong customer satisfaction and financial stability ratings. But you should always compare quotes from multiple insurers at the same coverage levels to find the company that offers you the best rate for your specific insurance needs.
What car insurance coverage do you need in Florida?
Florida requires drivers to purchase $10,000 in personal injury protection coverage and $10,000 in property damage liability coverage. These requirements are much less than many other states’ requirements.
Are Florida insurance rates really as high as people say they are?
Yes. Compared to many other states, Florida has one of the highest average insurance rates. Its susceptibility to severe weather, high rate of tourism, low insurance requirements compared to other states, and crash rates contribute to its higher cost of car insurance.
Methodology
Insurify data scientists analyzed more than 190 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:
- 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
- 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.
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Sources
- Palm Beach County. "Flood."
- Florida Department of Highway Safety and Motor Vehicles. "Crash Dashboard."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- III. "Do auto insurance premiums go up after a claim?."
- NHTSA. "Speeding and Aggressive Driving Prevention."
- U.S. Census Bureau. "QuickFacts: West Palm Beach city, Florida."
- III. "Senior driving safety and insurance tips."
- Florida Department of Transportation. "The 100 Deadliest Days for Teen Drivers."
- The Florida Senate. "26.9741 Use of credit reports and credit scores by insurers.."
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Nick DaukInsurance Writer
6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
Featured in
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.