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.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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The average monthly cost of insurance in West Palm Beach is $283 for liability only and $332 for full coverage, which is higher than the state averages of $196 and $272 for the same coverages. The area’s high number of crashes and susceptibility to flooding and King Tides 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 Hugo have the cheapest car insurance in West Palm Beach.
West Palm Beach drivers pay a yearly average of $3,990 for full-coverage policies.
Palm Beach County reported more crashes in 2022 than every other Florida county except Broward and Miami-Dade.[2]
3 of the cheapest car insurance companies in West Palm Beach
Insurify strives to offer car insurance insights for drivers and identifies the best and 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 the best 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
$77
Liability-only coverage
State Farm
9.3
$83
$71
Teens
GEICO
9.0
$86
$73
Drivers with incidents
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.
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.
$101/mo
Hugo may have launched in 2020, but the tech-based insurer is already offering the lowest average liability-only quotes in West Palm Beach. It offers on-demand plans to some customers, although Florida policyholders can only take advantage of the company’s Basic plan. Hugo’s offerings are limited, so West Palm Beach drivers looking for extensive coverage options might need to seek out a traditional insurer.
It's too expensive and I never get a response from them until days later. It's hard to modify your policy. They don’t cover all cars and when you try to talk with someone, they never answer. Very poor insurance company.
Kimberly - July 14, 2024
Verified
I disliked the fact that there's no app. I'm uncertain about its legitimacy. I was also disappointed that my coverage was not reported to my state as requested. I'm not fond of the idea that the price might change if it's turned off for a day.
I disliked the fact that there's no app. I'm uncertain about its legitimacy. I was also disappointed that my coverage was not reported to my state as requested. I'm not fond of the idea that the price might change if it's turned off for a day.
Jennifer - July 13, 2024
Verified
Rate Increase If You Turn Off and On
I can't say much except that I don't like the rate hike because I didn't use it.
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.
$109/mo
Teens and young adults have higher policy premiums than older drivers, but State Farm 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
Highest AM Best financial strength rating
Cons
No gap insurance
Generally negative Trustpilot and Better Business Bureau (BBB) reviews
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
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.
$113/mo
Clean records tend to 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
The employees are not adequately trained for their job. That's why I recently stopped using their services. I regret having to say this.
The employees are not adequately trained for their job. That's why I recently stopped using their services. I regret having to say this.
Judy - July 25, 2024
Verified
Poor Mobile App
The mobile app was disappointing. After multiple attempts, we decided to cancel.
Matthew - July 25, 2024
Verified
Geico is Expensive but Offers Great Service
It's expensive, but the service is awesome.
…
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 deductible to potentially lower your premium costs; just be sure you can afford the out-of-pocket cost if you ever file a claim.
Monitor your credit score. Florida car insurance companies can use your credit history when determining rates, so maintain a good credit history and review your credit report regularly for inaccuracies.
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.
Find Cheap Car Insurance in West Palm Beach
Liability rates start at $93 per month
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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 $283 per month, and you can see a collection of rates offered by top insurers here.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$93
GEICO
$96
Hugo
$101
Mile Auto
$162
Allstate
$163
Safeco
$183
Travelers
$193
Mercury
$195
Liberty Mutual
$201
Direct Auto
$208
Midvale Home & Auto
$237
Progressive
$242
Infinity
$250
Foremost
$276
GAINSCO
$291
National General
$391
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 $332 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 something, even if you’re at fault; and comprehensive insurance, which covers damages from non-driving incidents like floods and fires.
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$109
GEICO
$113
Allstate
$191
Safeco
$221
Mile Auto
$225
Travelers
$226
Mercury
$234
GAINSCO
$322
Hugo
$338
Liberty Mutual
$341
Progressive
$342
Infinity
$347
Midvale Home & Auto
$355
Direct Auto
$375
National General
$407
Foremost
$419
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.
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 hold enough insurance to cover damages.
Gap coverage
Gap insurance pays for the gap between your auto loan 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.
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 $108 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 per year.[5] Insurers consider speeding an irresponsible driving habit, which is why they may raise your rates 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 $339 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 car insurance quotes from the cheapest insurers in West Palm Beach.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
$93
$109
GEICO
$96
$114
Hugo
$101
$127
Mile Auto
$162
$204
Allstate
$163
$193
Safeco
$183
$220
Travelers
$193
$231
Mercury
$195
$249
Liberty Mutual
$201
$263
Direct Auto
$208
$247
Midvale Home & Auto
$237
$292
Progressive
$242
$288
Infinity
$250
$310
Foremost
$276
$361
GAINSCO
$291
$381
National General
$391
$462
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.[2]
The average rate for liability coverage in West Palm Beach for drivers with an accident on their record is $371 per month.
The table below shows the cheapest car insurance companies in West Palm Beach for drivers with an at-fault accident.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
$93
$118
GEICO
$96
$123
Hugo
$101
$125
Mile Auto
$162
$224
Allstate
$163
$209
Safeco
$183
$227
Travelers
$193
$249
Mercury
$195
$266
Liberty Mutual
$201
$281
Direct Auto
$208
$272
Midvale Home & Auto
$237
$322
Progressive
$242
$315
Infinity
$250
$315
Foremost
$276
$386
GAINSCO
$291
$358
National General
$391
$504
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: Hugo
Driving under the influence is a problem in Palm Beach County, and the county reported more DUI arrests in 2019 than most Florida counties.[6] Florida also had a higher alcohol-impaired driving death rate than the nation in 2018.[7] With drinking and driving leading to thousands of deaths each year, it should be no surprise that insurers take DUIs seriously and raise a convicted driver’s rates significantly.
Liability insurance for West Palm Beach drivers with a DUI costs $428 per month, on average.
Here are the cheapest average quotes for drivers in West Palm Beach with a DUI.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
$93
$149
GEICO
$96
$153
Hugo
$101
$142
Mile Auto
$162
$231
Allstate
$163
$261
Safeco
$183
$293
Travelers
$193
$309
Mercury
$195
$280
Liberty Mutual
$201
$321
Direct Auto
$208
$333
Midvale Home & Auto
$237
$379
Progressive
$242
$387
Infinity
$250
$400
Foremost
$276
$441
GAINSCO
$291
$465
National General
$391
$625
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: Hugo
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.[8] Even though years of experience lead to insurance decreases around age 35, a loss of vision, cognition, or other physical functions in old age can increase the likelihood of an accident; that’s why senior rates may be higher.[9]
The average rate for liability coverage for seniors in West Palm Beach is $231 per month. Despite these slight increases, senior drivers in West Palm Beach pay lower rates than younger drivers.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Hugo
$72
$241
State Farm
$72
$84
GEICO
$76
$90
Mile Auto
$122
$169
Allstate
$130
$153
Mercury
$148
$177
Safeco
$149
$180
Travelers
$151
$176
Direct Auto
$160
$289
Liberty Mutual
$161
$273
Progressive
$173
$244
Midvale Home & Auto
$181
$271
Infinity
$188
$261
Foremost
$215
$326
GAINSCO
$240
$265
National General
$304
$316
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 a month, on average. Teens have a higher fatal crash rate than other age groups, which is why their rates are often higher.[10]
Teens in West Palm Beach pay an average of $442 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.
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
GEICO
$141
$165
State Farm
$147
$173
Hugo
$164
$550
Allstate
$268
$314
Mile Auto
$296
$411
Travelers
$326
$381
Mercury
$332
$398
Liberty Mutual
$346
$588
Direct Auto
$355
$640
Safeco
$358
$433
Midvale Home & Auto
$382
$572
Progressive
$409
$578
Infinity
$430
$597
Foremost
$459
$696
GAINSCO
$483
$534
National General
$710
$739
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.
Find Car Insurance in West Palm Beach
Check quotes from 100+ top insurance companies
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West Palm Beach car insurance quotes by credit tier
Credit scores 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.[11]
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 $283 per month for liability coverage and $332 per month for full coverage. For comparison, Florida’s average cost of car insurance is $196 per month for liability coverage and $272 per month for full coverage.
More cities in Florida
Looking at other cities in South Florida, most have cheaper quotes on average than West Palm Beach, except for Tampa, which has slightly higher rates.
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 $283 per month for liability coverage and $332 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 $93. GEICO and Hugo also offer affordable coverage, with respective monthly liability rates of $96 and $101.
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.[3] 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
The Florida Senate. "26.9741 Use of credit reports and credit scores by insurers.."
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.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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