120+ more*Quotes generated for Insurify users in and around West Palm Beach, Florida within the last 10 days. Last updated on July 10, 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 July 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
State Farm offers the cheapest average car insurance in West Palm Beach.
West Palm Beach car insurance averages $223 per month, compared to Florida’s average of $188 per month.
Palm Beach County averages about 73 crashes per day, ranking third in the state for total crashes.[1]
West Palm Beach drivers pay an average of $189 per month for state-minimum Florida car insurance and $256 per month for full coverage, according to Insurify data.
That’s higher than the statewide averages of $139 and $236 per month, respectively, likely due to Palm Beach County’s high crash volume and coastal storm risk.
Fort Lauderdale is slightly more expensive, at an average of $181 per month for liability coverage and $252 for full coverage. Meanwhile, drivers in Jupiter pay monthly averages of $120 and $205, respectively.
Here’s how West Palm Beach’s average car insurance cost compares to the Florida average.
Car Insurance Costs in West Palm Beach vs. Florida  | Average Monthly Quote |
|---|---|
| West Palm Beach average | $223 |
| Florida average | $188 |
State Farm offers the best rates for liability insurance in West Palm Beach, at an average of $95 per month. State Farm has the cheapest full-coverage car insurance, at an average of $153 per month.
Liability rates start as low as $95 per month
I-95 is the city’s primary north-south route through West Palm Beach and carries heavy traffic across Palm Beach County. The interchange at I-95 and Okeechobee Boulevard (SR-704) is a major bottleneck, and seasonal traffic increases congestion. From October through April, snowbirds add unfamiliar drivers to already crowded roads.
Flood risk is another factor. Updated FEMA flood maps took effect in December 2024, expanding high-risk zones throughout the area, particularly east of I-95 from Jupiter to Boca Raton.[2]
Fatal crashes involving drivers ages 20–24 in Palm Beach County increased 33% from 2023 to 2024, based on the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) Florida Traffic Crash Facts Annual Report. That spike, combined with the county’s high overall crash volume, increases claim costs and drives up insurance premiums for West Palm Beach drivers.
Vehicle thefts in the Miami-Fort Lauderdale-West Palm Beach metro area decreased 28% in the first half of 2025 compared to the same period in 2024, according to the National Insurance Crime Bureau. Despite the decline, the area still ranks 11th nationally for theft volume — far above nearby Port St. Lucie, which ranks 178th.
Insurers factor theft risk into comprehensive coverage pricing, which can increase rates for West Palm Beach drivers compared to lower-theft areas.
West Palm Beach drivers pay an average of $223 per month for car insurance. The most expensive city in the state is Miami-Gardens, where drivers pay a monthly average of $265, while the cheapest city is Venice, where drivers pay $132 per month.
Crash frequency helps explain the variation. Sarasota County, where Venice is located, recorded 6,952 crashes in 2024. Miami-Dade County, where Miami Gardens is located, recorded 60,000 crashes. Palm Beach County falls within that range, with 26,550 crashes and 207 fatalities — the second-highest fatality total among the three.
The table below shows how auto insurance in West Palm Beach compares to other Florida cities.
City | Average Monthly Quote |
|---|---|
| Apopka | $187 |
| Cape Coral | $168 |
| Clearwater | $174 |
| Davenport | $187 |
| Daytona Beach | $175 |
| Fort Lauderdale | $217 |
| Fort Myers | $178 |
| Gainesville | $156 |
| Jacksonville | $186 |
| Jupiter | $163 |
| Lakeland | $175 |
| Melbourne | $160 |
| Miami | $238 |
| Miami-Gardens | $265 |
| Naples | $161 |
| Ocala | $169 |
| Orlando | $207 |
| Palm Bay | $169 |
| Panama City | $146 |
| Pensacola | $159 |
| Pompano Beach | $221 |
| Riverview | $217 |
| Saint Petersburg | $184 |
| Sarasota | $157 |
| Spring Hill | $197 |
| Tallahassee | $166 |
| Tampa | $239 |
| Venice | $132 |
| West Palm Beach | $223 |
| Winter Haven | $180 |
The average commute in West Palm Beach is 23 minutes.[3] But I-95 and the Florida Turnpike run parallel through the city, concentrating roughly 52,000 solo and carpool commuters on the same roads. From October through April, an influx of seasonal residents adds unfamiliar drivers, which can increase congestion and crash risk.
Speeding on West Palm Beach roads brings steep penalties. Under Florida’s Super Speeder Law, which took effect July 1, 2025, driving 50 mph or more over the speed limit is a criminal offense punishable by up to 30 days in jail.[4]
Florida drivers pay more, and West Palm Beach premiums are higher than the state average for several reasons. Florida’s no-fault system requires every driver to buy personal injury protection (PIP), which increases costs before personalizing coverage options.
Palm Beach County averages 73 crashes per day — the third-highest in Florida — generating heavy claim volume.
Updated FEMA flood maps expanded high-risk zones across Palm Beach County, increasing the need for comprehensive coverage. Comprehensive insurance protects vehicles after flood damage.
State Farm offers the cheapest liability-only car insurance in West Palm Beach, at an average of $95 per month.
West Palm Beach’s average liability rate is $189 per month, which is higher than the statewide average.
Florida’s minimum coverage requirements are among the lowest in the country. Drivers need a minimum of $10,000 in PIP and $10,000 in property damage liability (PDL).
The table below shows the cheapest rates for liability-only car insurance in West Palm Beach.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $95 |
| Progressive | $96 |
| Clearcover | $101 |
| Mile Auto | $102 |
| GEICO | $108 |
| Embark | $123 |
| Dairyland | $127 |
| Direct Auto | $141 |
| GAINSCO | $141 |
| Mercury | $144 |
| The General | $151 |
| Bristol West | $161 |
| Allstate | $165 |
| AssuranceAmerica | $165 |
| National General | $171 |
| Insurify Car | $183 |
| Root | $188 |
| Travelers | $195 |
| Hugo | $240 |
| Mendota | $265 |
| First Acceptance | $271 |
| Liberty Mutual | $272 |
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Full coverage averages $256 per month in West Palm Beach. State Farm has the cheapest rate for full-coverage car insurance in West Palm Beach at an average of $153 per month.
Full coverage matters more in West Palm Beach due to flood risk. For example, storm surge from Lake Worth Lagoon and canal flooding during the rainy season puts vehicles at risk. Adding comprehensive coverage helps protect your vehicle.
The table below shows the cheapest rates for full-coverage car insurance in West Palm Beach.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $153 |
| Progressive | $170 |
| Mile Auto | $192 |
| Mercury | $215 |
| GEICO | $223 |
| National General | $225 |
| Direct Auto | $240 |
| Clearcover | $251 |
| Bristol West | $252 |
| Allstate | $266 |
| The General | $289 |
| AssuranceAmerica | $302 |
| Embark | $306 |
| Travelers | $317 |
| GAINSCO | $339 |
| Root | $339 |
| Liberty Mutual | $355 |
| Dairyland | $379 |
| First Acceptance | $396 |
| Mendota | $418 |
*Quotes generated for Insurify users in and around West Palm Beach, Florida within the last 10 days. Last updated on July 10, 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 July 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
About 3.47% of West Palm Beach drivers have a speeding ticket on their record, according to Insurify data. In Palm Beach County, base speeding fines range from $131 to $356 on standard roads, and up to $606 in school or construction zones.[5]
Drivers in West Palm Beach with a speeding ticket pay an average of $220 per month for liability policies.
Take a look at the cheapest rates for West Palm Beach drivers with a speeding ticket in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $112 |
| State Farm | $116 |
| Mile Auto | $119 |
| Clearcover | $124 |
| GEICO | $137 |
| Embark | $143 |
| Dairyland | $152 |
| GAINSCO | $163 |
| Direct Auto | $171 |
| Mercury | $193 |
| The General | $196 |
| Bristol West | $196 |
| AssuranceAmerica | $203 |
| National General | $206 |
| Allstate | $207 |
| Insurify Car | $213 |
| Root | $216 |
| Travelers | $244 |
| Hugo | $280 |
| Mendota | $309 |
| First Acceptance | $316 |
| Liberty Mutual | $335 |
About 3.83% of West Palm Beach drivers have an at-fault accident on their record, according to Insurify data. Since Florida is a no-fault state, PIP covers your own medical expenses after a crash, regardless of who caused it. If someone else drives your car, your insurance may still apply, which can affect your premiums.
Causing an accident can increase your rates, with West Palm Beach drivers paying a monthly average of $240 for liability insurance.
But some insurers offer more affordable coverage. Below are the cheapest rates for West Palm Beach drivers with an at-fault accident.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $122 |
| State Farm | $124 |
| Mile Auto | $135 |
| GEICO | $140 |
| Clearcover | $141 |
| Embark | $156 |
| Dairyland | $164 |
| GAINSCO | $177 |
| Direct Auto | $189 |
| The General | $204 |
| Bristol West | $209 |
| Mercury | $211 |
| AssuranceAmerica | $215 |
| Allstate | $218 |
| National General | $224 |
| Root | $232 |
| Insurify Car | $232 |
| Travelers | $259 |
| Hugo | $305 |
| Mendota | $336 |
| First Acceptance | $344 |
| Liberty Mutual | $354 |
Palm Beach County had 2,617 driving under the influence (DUI) arrests in 2025.[6] In West Palm Beach, about 0.59% of drivers have a DUI on their record, according to Insurify data. A DUI conviction triggers higher minimum insurance requirements for at least three years under Florida’s car insurance laws.
State Farm offers the lowest average premiums for insurance after a DUI. The data below shows the cheapest rates for West Palm Beach drivers with a DUI.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $125 |
| State Farm | $130 |
| Clearcover | $133 |
| Mile Auto | $140 |
| GEICO | $147 |
| Embark | $160 |
| Dairyland | $174 |
| Direct Auto | $194 |
| GAINSCO | $194 |
| The General | $201 |
| Mercury | $210 |
| Bristol West | $221 |
| Allstate | $226 |
| AssuranceAmerica | $226 |
| National General | $235 |
| Insurify Car | $238 |
| Root | $258 |
| Travelers | $268 |
| Hugo | $313 |
| Mendota | $345 |
| First Acceptance | $353 |
| Liberty Mutual | $373 |
Teens in Florida can get a learner’s permit at 15. Teen crashes are most likely to happen within the first year of getting a license.[7] Florida’s Graduated Driver Licensing (GDL) helps reduce crash risk by allowing teens to build experience gradually before driving independently.
Palm Beach County is one of several high-risk areas for teen drivers in Florida, where fatalities and serious injuries are concentrated in dense, high-traffic regions.[8] Since insurers consider teens high risk, insurance rates are typically higher than for other age groups.
Teen drivers in West Palm Beach pay monthly averages of $318 for liability insurance and $430 for full-coverage insurance.
See the table below for the cheapest rates for teen drivers in West Palm Beach.
Insurance Company | Average Monthly Quote |
|---|---|
| Clearcover | $159 |
| Progressive | $161 |
| State Farm | $177 |
| GEICO | $188 |
| Mile Auto | $202 |
| Embark | $207 |
| Dairyland | $212 |
| GAINSCO | $238 |
| Mercury | $253 |
| The General | $262 |
| Direct Auto | $264 |
| Root | $271 |
| Bristol West | $273 |
| Insurify Car | $308 |
| Allstate | $313 |
| National General | $328 |
| AssuranceAmerica | $330 |
| Travelers | $389 |
| Hugo | $403 |
| Mendota | $446 |
| First Acceptance | $456 |
| Liberty Mutual | $457 |
About 22% of West Palm Beach residents are 65 or older — higher than the national average of 18%, according to the U.S. Census Bureau. Drivers older than 80 who live in Florida may need to renew their license in person and pass a vision test.
State Farm has the lowest car insurance policy premiums for senior drivers in the area. The following table lists the cheapest rates for senior drivers in West Palm Beach.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $76 |
| Mile Auto | $82 |
| Progressive | $86 |
| GEICO | $88 |
| Clearcover | $91 |
| Dairyland | $110 |
| Embark | $111 |
| Mercury | $116 |
| Direct Auto | $118 |
| GAINSCO | $123 |
| The General | $131 |
| AssuranceAmerica | $132 |
| Allstate | $137 |
| Bristol West | $137 |
| National General | $137 |
| Travelers | $159 |
| Insurify Car | $165 |
| Root | $176 |
| Hugo | $216 |
| Liberty Mutual | $231 |
| Mendota | $238 |
| First Acceptance | $244 |
Check out these answers to common questions about car insurance coverage in West Palm Beach.
West Palm Beach drivers pay an average of $223 for car insurance, according to Insurify data. Your actual rate depends on your driving history, vehicle, coverage level, and deductible.
State Farm is the cheapest insurer in West Palm Beach, with an average monthly rate of $95. Progressive and Clearcover are the next cheapest insurers for West Palm Beach drivers.
Progressive is cheaper than GEICO in West Palm Beach, according to Insurify data. Progressive averages $115 per month for liability coverage and $195 for full coverage. GEICO averages $142 for liability coverage and $245 for full coverage.
Florida requires $10,000 in PIP for your injuries and $10,000 in property damage liability for damage you cause to others’ property. The state doesn’t require bodily injury liability in most cases.
To find the best prices for car insurance in West Palm Beach, compare free quotes from multiple insurers. Maintaining a clean driving record and asking your agent about discounts, such as bundling auto and homeowners insurance, can also lower your rates.
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:
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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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.