Cheapest Auto Insurance in West Palm Beach, Florida (2024)

State Farm offers the cheapest rates in West Palm Beach, starting at $94 per month.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 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.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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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Shawn Powers
Reviewed byShawn Powers
Headshot of licensed insurance agent Shawn Powers.
Shawn PowersVP of Insurance Sales at Insurify
  • Licensed insurance agent for 25+ years

  • 15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

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Updated June 13, 2024

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Cheapest recent rates near West Palm Beach, Florida

Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $83/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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average monthly cost of insurance in West Palm Beach is $303 for liability only and $364 for full coverage, which is higher than the state averages of $213 and $290 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 $4,365 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiabilityBest For
Hugo3.5$162$77Liability-only coverage
State Farm4.6$83$72Teens
GEICO4.4$85$74Drivers 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.

Best insurer for liability-only coverage: Hugo

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
A.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).
NR
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.

Pros
  • Flexible payment options

  • Online policy access and adjustment

Cons
  • No mobile app

  • No FR-44 or full-coverage policies offered

Read our Hugo review
Thaddeus - June 3, 2024
Verified

On the Go Insurance

It's flexible, but I would like to speak to a human about issues.

David - May 20, 2024
Verified

Yes

It's the best deal for people like me who rarely go out.

William - May 13, 2024
Verified

Average

The service is average.

Best insurer for teens: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
A.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++
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

Read our State Farm review
Laudita - June 13, 2024
Verified

No Consideration at All, They Don't Care About the Years Spent With Them

They doubled my insurance premium without any reason. I haven't had an accident in the last 10 years.

Luisa - June 13, 2024
Verified

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

Daniel - June 13, 2024
Verified

Excellent

I have no complaints. It has been very good.

Best insurer for drivers with incidents: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
A.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++
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.
$111/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

  • No gap insurance available

Read our GEICO review
Joyce - June 13, 2024
Verified

Excellent

Use Geico, they will work with you.

Polly - June 13, 2024
Verified

Very Sad

The rates are too high.

Larry - June 12, 2024
Verified

Poor

The insurance is overpriced.

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 $94 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 $303 per month, and you can see a collection of rates offered by top insurers here.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$94
GEICO$96
Hugo$101
Allstate$163
Safeco$172
Mile Auto$173
Mercury$193
Travelers$194
Liberty Mutual$199
Direct Auto$208
Midvale Home & Auto$228
Progressive$239
Infinity$260
Foremost$275
GAINSCO$291
AssuranceAmerica$317
National General$401
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 $364 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$109
GEICO$111
Hugo$181
Allstate$189
Safeco$216
Travelers$224
Mercury$231
Mile Auto$239
GAINSCO$304
Liberty Mutual$332
Progressive$340
Midvale Home & Auto$345
Infinity$346
Direct Auto$362
Foremost$413
National General$413
AssuranceAmerica$472
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 $83/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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap insurance pays for the gap between your auto loan balance and the insurance settlement after a total loss.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement coverage

    This pays for rental car expenses while your vehicle is in the shop for covered repairs.

How Much Car Insurance Do You Need? (2024)

How Much Car Insurance Do You Need? (2024)

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 $109 for drivers with an incident

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Based on 3,806+ 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 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 $361 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$94$110
GEICO$96$113
Hugo$101$127
Allstate$163$192
Safeco$172$206
Mile Auto$173$220
Mercury$193$245
Travelers$194$230
Liberty Mutual$199$261
Direct Auto$208$247
Midvale Home & Auto$228$279
Progressive$239$282
Infinity$260$320
Foremost$275$361
GAINSCO$291$382
AssuranceAmerica$317$382
National General$401$461
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 $393 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm$94$118
GEICO$96$122
Hugo$101$124
Allstate$163$206
Safeco$172$211
Mile Auto$173$241
Mercury$193$261
Travelers$194$247
Liberty Mutual$199$277
Direct Auto$208$270
Midvale Home & Auto$228$307
Progressive$239$308
Infinity$260$325
Foremost$275$383
GAINSCO$291$356
AssuranceAmerica$317$403
National General$401$508
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, 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 $453 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm$94$150
GEICO$96$153
Hugo$101$161
Allstate$163$259
Safeco$172$274
Mile Auto$173$248
Mercury$193$276
Travelers$194$309
Liberty Mutual$199$317
Direct Auto$208$331
Midvale Home & Auto$228$363
Progressive$239$380
Infinity$260$414
Foremost$275$438
GAINSCO$291$463
AssuranceAmerica$317$505
National General$401$638
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 $251 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Hugo$73$130
State Farm$73$85
GEICO$77$89
Allstate$131$152
Mile Auto$131$181
Safeco$139$175
Mercury$146$175
Travelers$152$176
Liberty Mutual$158$264
Direct Auto$161$280
Progressive$172$244
Midvale Home & Auto$174$263
Infinity$197$262
Foremost$215$323
GAINSCO$239$250
AssuranceAmerica$241$358
National General$321$331
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 $467 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
GEICO$139$160
State Farm$147$170
Hugo$163$293
Allstate$264$306
Mile Auto$313$432
Travelers$324$374
Mercury$326$390
Safeco$336$422
Liberty Mutual$343$572
Direct Auto$352$613
Midvale Home & Auto$367$555
Progressive$401$571
Infinity$442$589
Foremost$452$679
GAINSCO$482$503
AssuranceAmerica$547$814
National General$703$724
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] 

Drivers with excellent or good credit scores typically receive better rates than drivers with poor credit scores.

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 $303 per month for liability coverage and $364 per month for full coverage. For comparison, Florida’s average cost of car insurance is $213 per month for liability coverage and $290 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.

CityFull CoverageLiability Only
Cape Coral$265$200
Clearwater$279$239
Fort Lauderdale$348$264
Jacksonville$287$205
Miami$387$283
Ocala$257$179
Orlando$306$222
Pensacola$272$173
Tallahassee$263$166
Tampa$380$316
Winter Haven$301$221
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 $303 per month for liability coverage and $364 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 $94. 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.

Sources

  1. Palm Beach County. "Flood."
  2. Florida Department of Highway Safety and Motor Vehicles. "Crash Dashboard."
  3. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  4. III. "Do auto insurance premiums go up after a claim?."
  5. NHTSA. "Speeding and Aggressive Driving Prevention."
  6. Florida Department of Law Enforcement. "Arrest Totals and Index Arrests by County."
  7. Centers for Disease Control and Prevention. "Sobering Facts: Alcohol-Impaired Driving - Florida."
  8. U.S. Census Bureau. "QuickFacts: West Palm Beach city, Florida."
  9. III. "Senior driving safety and insurance tips."
  10. Florida Department of Transportation. "The 100 Deadliest Days for Teen Drivers."
  11. The Florida Senate. "26.9741 Use of credit reports and credit scores by insurers.."
Nick Dauk
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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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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Shawn Powers
Reviewed byShawn PowersVP of Insurance Sales at Insurify
Headshot of licensed insurance agent Shawn Powers.
Shawn PowersVP of Insurance Sales at Insurify
  • Licensed insurance agent for 25+ years

  • 15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

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