Cheapest Auto Insurance in West Palm Beach, Florida (2026)

Progressive offers the cheapest rates in West Palm Beach, starting at $115 per month.

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Cheapest recent rates near West Palm Beach, Florida

Drivers using Insurify have found quotes as cheap as $66/mo for liability only and $104/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 April 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 13, 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 April 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Written byNick Dauk
Nick Dauk
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The average monthly cost of insurance in West Palm Beach is $179 for liability only and $245 for full coverage, which is higher than the Florida averages of $135 and $217 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
  • Progressive, State Farm, and Mile Auto have the cheapest car insurance in West Palm Beach.

  • West Palm Beach drivers pay a yearly average of $2,942 for full-coverage policies.

  • Palm Beach County reported more than 26,000 crashes in 2023, including 171 fatal accidents that claimed 182 lives.[2]

6 of the cheapest car insurance companies in West Palm Beach

Insurify strives to offer car insurance insights for drivers and identify the cheapest car insurance companies in your area. But the best auto insurance company for you will depend on your situation and needs. Start with these insurers while you shop for quotes.

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for pay-as-you-go coverage: Hugo

User Reviews
4.5
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$251/mo
4.5
Best choiceBased on 207 verified driver reviews and ratings
Hugo's score
Industry average
Coverage options3.63.2
Customer service3.13.6
Discounts3.72.9
Policy transparency3.93.1
Value3.72.9
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.

Based on analysis of verified reviews collected by Insurify

Best For
Micropayments
No down payments
Fast coverage
Showing recent national reviewsSee all 67 Hugo reviews
Donita
Verified Purchase
Excellent
They are convenient for most of your needs! They have great prices for what you're looking for.
Shelbi
Verified Purchase
Hugo Helps in a Flash
I like that Hugo offers short-term plans. However, I wish they offered full coverage for vehicles.
Quincy
Verified Purchase
Great news
I like it, and it’s much easier to use the app to add cars than talking on the phone and waiting for your card to come in the mail.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
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
Why we picked this company

Drivers who only need state minimum coverage may want to consider Hugo. The pay-as-you-go insurer sells policies for as little as three days at a time and up to six months, allowing you to make micropayments. Hugo only sells state-minimum liability coverage, so if you need higher limits, or full coverage, you’ll need to consider a different insurer.

Pros
  • Flexible payment options

  • Online policy access and management

Cons
  • No full-coverage option

  • Doesn’t offer FR-44 certificates

Best insurer for teen drivers: State Farm

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$174/mo
4.0
Best choiceBased on 17,001 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.33.6
Discounts3.92.9
Policy transparency3.83.1
Value3.72.9
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.

Based on analysis of verified reviews collected by Insurify

Best For
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Florida reviews for West Palm Beach driversSee all 7,377 State Farm reviews
Mary
Verified Review
High 5 to State Farm
I have had great customer service since I joined them almost 2 years ago, and the rate I pay is cheaper than every other insurance company that claims to be able to get me a cheaper rate. If it ain't broke, don't fix it.
Norma
Verified Review
Insured
It's okay, but I can only afford state-required coverage.
Catherine
Verified Review
Expensive
They keep raising their rates regardless of how long you have been insured by them.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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++
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
3.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.2 /10
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$245/mo
3.9
A solid optionBased on 17,248 verified driver reviews and ratings
GEICO's score
Industry average
Coverage options4.03.2
Customer service4.13.6
Discounts3.92.9
Policy transparency3.93.1
Value3.82.9
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.

Based on analysis of verified reviews collected by Insurify

Best For
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 Florida reviews for West Palm Beach driversSee all 7,599 GEICO reviews
Jan
Verified Review
Good service at a cost
Good service, but too expensive.
Kathleen
Verified Review
Too much money
Too much money. I've never had an accident, and they keep raising my rates.
Julie
Verified Review
Goodbye Geico!
Not sure why I had to pay so much (around $135/month) for the minimum coverage (PIP). That is why I shopped around and finally switched to Progressive, which is slightly cheaper.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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++
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 $115 per month

Excellent
4.7 out of 5 based on 13,478 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in West Palm Beach: Progressive

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 $179 per month, and you can see a collection of rates offered by top insurers in the table below.

The below rates in West Palm Beach, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Progressive$115
Mile Auto$125
State Farm$125
Clearcover$128
GEICO$142
Dairyland$147
Embark$159
Infinity$161
Mercury$178
Direct Auto$179
GAINSCO$183
The General$193
Bristol West$207
Root$216
Allstate$217
AssuranceAmerica$222
National General$222
Travelers$258
Mendota$336
First Acceptance$351
Liberty Mutual$351
Liberty Mutual$351
Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in West Palm Beach: State Farm

The easiest way to remember the differences between liability-only and full-coverage car insurance is that liability generally pays for damages you cause to others in an accident, while full coverage generally pays for the damages you cause and the ones you incur. As such, full coverage is more expensive than liability insurance. West Palm Beach drivers pay a monthly average of $245 for full coverage.

Most insurers consider full-coverage policies to be a combination of liability-only coverage and two other coverages: collision insurance, which covers damages from your car hitting another vehicle or stationary object, even if you’re at fault; and comprehensive insurance, which covers damages from non-driving incidents like theft, flood and fire.

Drivers who are concerned about damage from severe weather, animal activity, hitting potholes, or jumping curbs may want to consider full-coverage policies. The table below shows the insurance companies with the lowest average quotes for full-coverage car insurance in West Palm Beach.

The below rates in West Palm Beach, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$174
Progressive$195
Mile Auto$201
Mercury$239
GEICO$245
National General$257
Clearcover$267
Direct Auto$270
Bristol West$290
Allstate$303
Infinity$304
The General$317
Embark$345
Root$348
AssuranceAmerica$349
Travelers$360
GAINSCO$372
Liberty Mutual$397
Liberty Mutual$397
Dairyland$413
First Acceptance$449
Mendota$458
Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.

Recent Insurify quotes for West Palm Beach, Florida drivers

Drivers using Insurify have found quotes as cheap as $81/mo for liability only and $141/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 April 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 13, 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 April 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Florida

As a no-fault state, Florida requires all drivers to carry a minimum amount of personal injury protection. PIP pays for your injuries, no matter which driver is at fault. Florida state law also requires all drivers to carry a minimum amount of property damage liability insurance.

Here are the minimum-coverage limits Florida drivers must purchase:[3]

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
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 have enough insurance to cover damages. It also covers damage from a hit-and-run accident.

    illustration card https://a.storyblok.com/f/162273/x/2d92436d68/protection-for-your-car.svg

    Gap coverage

    Gap insurance pays the difference between your auto loan or lease balance and the insurance settlement after a total loss.

    illustration card https://a.storyblok.com/f/162273/150x150/f82464c85b/car-sharing-96x96-orange_048-car-key.svg

    Rental car reimbursement coverage

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

    illustration card https://a.storyblok.com/f/162273/150x150/b105bebbec/car-and-driving-96x96-gold_023-driving-test.svg

    Accident forgiveness coverage

    Purchasing this optional coverage when you initiate a policy can help you avoid rate increases following your first at-fault accident. Youll generally need at least three years of driving experience with a clean record to qualify for this coverage.

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 $130 for drivers with an incident

Excellent
4.7 out of 5 based on 13,478 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: Progressive

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 $209 for drivers with a speeding ticket on their record.

Rate increases could be based on how much you exceeded the speed limit or your history of moving violations. If you have a speeding ticket, use the table below to compare average liability-only car insurance quotes from the cheapest insurers in West Palm Beach.

The below rates in West Palm Beach, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
Progressive$115$134
Mile Auto$125$148
State Farm$125$153
Clearcover$128$158
Dairyland$147$176
GEICO$142$180
Embark$159$186
Infinity$161$198
GAINSCO$183$211
Direct Auto$179$217
Mercury$178$239
The General$193$250
Bristol West$207$252
Allstate$217$273
AssuranceAmerica$222$273
Root$216$279
Travelers$258$324
Mendota$336$392
First Acceptance$351$410
Liberty Mutual$351$432
Liberty Mutual$351$432
Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Progressive

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 $228 per month.

The table below shows the cheapest liability-only car insurance companies in West Palm Beach for drivers with an at-fault accident.

The below rates in West Palm Beach, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
Progressive$115$147
State Farm$125$163
Mile Auto$125$166
Clearcover$128$180
GEICO$142$183
Dairyland$147$191
Embark$159$203
Infinity$161$209
GAINSCO$183$230
Direct Auto$179$240
The General$193$261
Mercury$178$262
Bristol West$207$268
Root$216$285
Allstate$217$286
AssuranceAmerica$222$290
Travelers$258$342
Mendota$336$429
First Acceptance$351$448
Liberty Mutual$351$458
Liberty Mutual$351$458
Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Progressive

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 $237 per month, on average.

Here are the cheapest average liability-only quotes for drivers in West Palm Beach with a DUI.

The below rates in West Palm Beach, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
Progressive$115$152
Mile Auto$125$173
State Farm$125$173
Clearcover$128$177
GEICO$142$194
Dairyland$147$203
Embark$159$210
Infinity$161$223
Direct Auto$179$247
GAINSCO$183$253
The General$193$257
Mercury$178$260
Bristol West$207$286
Allstate$217$300
Root$216$301
AssuranceAmerica$222$307
Travelers$258$357
Mendota$336$445
First Acceptance$351$465
Liberty Mutual$351$485
Liberty Mutual$351$485
Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

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 $161 per month. Despite these slight increases, senior drivers in West Palm Beach pay lower rates than teen and young adult drivers.

The below rates in West Palm Beach, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$101$140
Mile Auto$101$162
Progressive$104$176
GEICO$116$199
Clearcover$116$242
Infinity$119$225
Dairyland$127$358
Embark$143$311
Mercury$145$195
Direct Auto$150$226
GAINSCO$160$325
The General$168$276
Bristol West$176$247
AssuranceAmerica$178$280
Allstate$180$252
Root$185$298
Travelers$211$294
Liberty Mutual$299$338
Liberty Mutual$299$338
Mendota$302$412
First Acceptance$316$404
Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Progressive

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 $306 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 youre younger than 18, you wont be able to buy your own car insurance policy without the written consent of a parent or guardian.

Here are the cheapest car insurance companies for teens and young adults in West Palm Beach.

The below rates in West Palm Beach, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
Progressive$196$333
Clearcover$204$425
State Farm$236$329
Dairyland$247$695
GEICO$250$431
Mile Auto$251$404
Infinity$269$508
Embark$271$589
Mercury$316$424
GAINSCO$320$650
The General$336$551
Direct Auto$338$510
Bristol West$356$499
Root$365$588
Allstate$418$584
AssuranceAmerica$447$703
Travelers$524$732
Mendota$574$782
Liberty Mutual$597$675
Liberty Mutual$597$675
First Acceptance$599$767
Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.

Find Car Insurance in West Palm Beach

Check quotes from 120+ top insurance companies

Excellent
4.7 out of 5 based on 13,478 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

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

Category
Price
Excellent$406
Good $479
Fair$527
Poor$816

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 $179 per month for liability coverage and $245 per month for full coverage. For comparison, Florida’s average cost of car insurance is $135 per month for liability coverage and $217 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
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Cape Coral$203$127
Clearwater$209$135
Fort Lauderdale$246$172
Jacksonville$220$141
Miami$272$184
Ocala$200$128
Orlando$239$161
Pensacola$201$118
Tallahassee$201$120
Tampa$272$187
Winter Haven$225$126
Disclaimer: Table data is based on real-time West Palm Beach quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

West Palm Beach car insurance FAQs

Check out Insurify’s study on the states with the highest rates of uninsured drivers, and learn more about West Palm Beach car insurance below.

  • How much is car insurance in West Palm Beach?

    The average cost of car insurance in West Palm Beach is $179 per month for liability coverage and $245 per month for full coverage.

  • Which company has the cheapest car insurance in West Palm Beach?

    Progressive has the cheapest car insurance in West Palm Beach, with monthly liability rates as low as $115. State Farm and Mile Auto also offer affordable coverage, with respective monthly liability rates of $125 and $125.

    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.

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. U.S. Census Bureau. "QuickFacts: West Palm Beach city, Florida."
  7. III. "Senior driving safety and insurance tips."
  8. Florida Department of Transportation. "The 100 Deadliest Days for Teen Drivers."
  9. The Florida Senate. "26.9741 Use of credit reports and credit scores by insurers.."

Methodology

Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
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.

Nick Dauk
Written byNick DaukInsurance Writer
Nick Dauk
Nick DaukInsurance Writer
  • 6+ years writing about insurance, travel, and personal finances

  • Contributor to brands like Credible

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

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In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert

As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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