Cheapest Auto Insurance in West Palm Beach, Florida (2025)
State Farm offers the cheapest rates in West Palm Beach, starting at $87 per month.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
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As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
The average monthly cost of insurance in West Palm Beach is $200 for liability only and $288 for full coverage, which is higher than the state averages of $150 and $230 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, GEICO, and Mile Auto have the cheapest car insurance in West Palm Beach.
West Palm Beach drivers pay a yearly average of $3,460 for full-coverage policies.
Palm Beach County reported more than 26,000 crashes in 2023, including 171 fatal accidents that claimed 182 lives.[2]
3 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.
Insurance Company  | 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. | Full Coverage | Liability | Best For |
|---|---|---|---|---|
| Hugo | 7.0 | N/A | $361 | Pay-as-you-go coverage |
| State Farm | 9.3 | $88 | $69 | Teen drivers |
| GEICO | 9.0 | $91 | $71 | Drivers with incidents |
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for pay-as-you-go coverage: Hugo
| User Reviews | 4.1 |
|---|---|
| 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. | 7.0 /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. | $361/mo |
4.1
Best choiceBased on 139 verified guest 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 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 For
Micropayments
No down payments
Fast coverage
Reviews (55)
Rebekah
March 18, 2025
Verified Review
Never Able to Speak with Customer Service, So I Switched!
I was never able to speak with someone, so I switched!
Latesha
March 16, 2025
Verified Review
Less Expensive
It's excellent, I just wish it was a little cheaper.
Larry
March 10, 2025
Verified Review
Good Experience
The experience was good, but it was becoming too expensive.
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 | 4.2 |
|---|---|
| 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. | $113/mo |
4.2
Best choiceBased on 10,192 verified guest 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 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 For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,617)
Matthew
March 25, 2025
Verified Review
State Farm Experience
It's the same with all of them. There's just no excuse for a 25%+ increase in property insurance when I have had no claims in over two and a half decades.
Keelyn
March 25, 2025
Verified Review
Don't Choose State Farm
If you choose them, avoid making a claim for any incident. They may exploit you! They have a tendency to lie consistently and constantly.
Calvin Craig
March 25, 2025
Verified Review
Excellent
Excellent service, product, and they do what they say.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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. | 9.0 /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. | $115/mo |
4.0
Best choiceBased on 11,184 verified guest 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 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 For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,124)
Elizabeth
March 25, 2025
Verified Review
Great
I have no problems, I'm just looking to lower expenses.
Rebecca
March 25, 2025
Verified Review
Thankful for Geico Rep
I received wonderful customer service when I was lost in the depths of Louisiana with a flat tire.
Ali
March 24, 2025
Verified Review
A Company Who Looks Out for the Individual
They defend, protect, and support their customers in coverage situations!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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 $87 per month
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Based on 3,806+ reviews
4.8/5
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 $200 per month, and you can see a collection of rates offered by top insurers in the table below.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $87 |
| GEICO | $90 |
| Mile Auto | $143 |
| Allstate | $153 |
| Travelers | $181 |
| Direct Auto | $198 |
| Mercury | $205 |
| Root | $216 |
| Progressive | $230 |
| Infinity | $247 |
| Foremost | $264 |
| GAINSCO | $291 |
| Bristol West | $298 |
| National General | $338 |
| The General | $368 |
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 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 $288 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 are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $113 |
| GEICO | $115 |
| Mile Auto | $183 |
| Allstate | $195 |
| Travelers | $231 |
| Mercury | $263 |
| Root | $331 |
| Progressive | $345 |
| Infinity | $345 |
| National General | $348 |
| Direct Auto | $378 |
| Foremost | $398 |
| Bristol West | $417 |
| GAINSCO | $440 |
| The General | $487 |
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 recent rates near West Palm Beach, Florida
Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $67/mo for full coverage in West Palm Beach and other Florida cities.
*Quotes generated for Insurify users in and around West Palm Beach, Florida within the last 10 days. Last updated on March 26, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 26, 2025. 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 26, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 26, 2025. 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 $100 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $244 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 are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $87 | $105 |
| GEICO | $90 | $109 |
| Mile Auto | $143 | $171 |
| Allstate | $153 | $186 |
| Travelers | $181 | $222 |
| Direct Auto | $198 | $242 |
| Mercury | $205 | $269 |
| Root | $216 | $287 |
| Progressive | $230 | $279 |
| Infinity | $247 | $310 |
| Foremost | $264 | $344 |
| GAINSCO | $291 | $379 |
| Bristol West | $298 | $367 |
| National General | $338 | $411 |
| The General | $368 | $465 |
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 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 $262 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 are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $87 | $111 |
| GEICO | $90 | $116 |
| Mile Auto | $143 | $187 |
| Allstate | $153 | $197 |
| Travelers | $181 | $235 |
| Direct Auto | $198 | $262 |
| Mercury | $205 | $288 |
| Root | $216 | $304 |
| Progressive | $230 | $303 |
| Infinity | $247 | $311 |
| Foremost | $264 | $361 |
| GAINSCO | $291 | $360 |
| Bristol West | $298 | $385 |
| National General | $338 | $431 |
| The General | $368 | $488 |
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 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 $302 per month, on average.
Here are the cheapest average liability-only quotes for drivers in West Palm Beach with a DUI.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $87 | $136 |
| GEICO | $90 | $141 |
| Mile Auto | $143 | $224 |
| Allstate | $153 | $240 |
| Travelers | $181 | $284 |
| Direct Auto | $198 | $311 |
| Mercury | $205 | $305 |
| Root | $216 | $306 |
| Progressive | $230 | $361 |
| Infinity | $247 | $387 |
| Foremost | $264 | $414 |
| GAINSCO | $291 | $456 |
| Bristol West | $298 | $467 |
| National General | $338 | $530 |
| The General | $368 | $577 |
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 car insurance for seniors: GEICO
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 $163 per month. Despite these slight increases, senior drivers in West Palm Beach pay lower rates than teen and young adult drivers.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $67 | $87 |
| GEICO | $71 | $90 |
| Mile Auto | $107 | $137 |
| Allstate | $121 | $155 |
| Travelers | $140 | $178 |
| Direct Auto | $152 | $290 |
| Progressive | $162 | $244 |
| Mercury | $163 | $209 |
| Root | $183 | $280 |
| Infinity | $189 | $265 |
| Foremost | $210 | $317 |
| Bristol West | $237 | $332 |
| GAINSCO | $240 | $364 |
| National General | $254 | $262 |
| The General | $291 | $385 |
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 car insurance for teens: GEICO
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 $339 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 are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| GEICO | $148 | $189 |
| State Farm | $154 | $199 |
| Mile Auto | $281 | $359 |
| Allstate | $281 | $358 |
| Root | $327 | $501 |
| Travelers | $334 | $426 |
| Mercury | $363 | $466 |
| Direct Auto | $368 | $703 |
| Progressive | $405 | $607 |
| Infinity | $442 | $617 |
| Foremost | $475 | $716 |
| GAINSCO | $504 | $762 |
| Bristol West | $506 | $709 |
| The General | $589 | $780 |
| National General | $667 | $687 |
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.
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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 $200 per month for liability coverage and $288 per month for full coverage. For comparison, Florida’s average cost of car insurance is $150 per month for liability coverage and $230 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 | $224 | $132 |
| Clearwater | $223 | $157 |
| Fort Lauderdale | $292 | $192 |
| Jacksonville | $233 | $146 |
| Miami | $330 | $208 |
| Ocala | $206 | $128 |
| Orlando | $248 | $162 |
| Pensacola | $215 | $127 |
| Tallahassee | $209 | $129 |
| Tampa | $310 | $216 |
| Winter Haven | $242 | $147 |
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.
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 $200 per month for liability coverage and $288 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 $87. GEICO and Mile Auto also offer affordable coverage, with respective monthly liability rates of $90 and $143.
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 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
- 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.
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 Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Nick has been a contributor at Insurify since October 2022.
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