5 Cheapest Car Insurance in Palm Coast, Florida for 2023

Thang Truong
Thang Truong
Updated on:

The easiest way to get around Palm Coast is by car. In order to drive in Palm Coast, you’ll need at least the minimum amount of car insurance. If you are looking for cheap car insurance in Palm Coast, look no further. BravoPolicy has analyzed millions of car insurance rates to find the cheapest car insurance companies in Palm Coast for a variety of drivers: of different age groups and with different driving records.

Cheapest car insurance companies in Palm Coast, Florida 

For the analysis of the cheapest car insurance companies in Palm Coast, Florida, we get public rate filings of the companies making up the majority of car insurance market share in the city for a full coverage car insurance policy of 50/100/50, which also includes comprehensive and collision coverages.

Progressive has the cheapest car insurance rate in Palm Coast, Florida with the average cost of $55 per month, or $665 per year. State Farm offers the second cheapest rate at $57 per month. Below are the 5 cheapest car insurance companies in Palm Coast, Florida and their average rates. 

Companies  Average monthly premiums  Average annual premiums 
Progressive $55 $665
State Farm $57 $689
Geico $64 $762
Safeco $97 $1,161
Travelers $108 $1,294

You should keep in mind that car insurance rates are determined individually taking several personal factors into consideration, so these may not be your cheapest rate. It is always important to shop around with a few companies to find the cheapest rate for you.

Average car insurance cost in Palm Coast, Florida 

The average car insurance cost for different coverage limits in Palm Coast, Florida are as follows:

Coverage limits  Average monthly premiums  Average annual premiums 
Minimum coverage $51 $607
50/100/50 $82 $988
100/300/100 $160 $1,916

We should note that the average cost of car insurance with 100/300/100 coverage limits in Florida is about $207 a month.

Cheapest car insurance for minimum coverage in Palm Coast, Fl

The cheapest average policy quote for minimum coverage in Palm Coast is about $426 a year, from Progressive . Florida is a no-fault state, so you’ll need Personal Injury Protection. This covers your medical expenses if you are involved in an accident—it doesn’t matter who caused the accident. Here are the 5 cheapest car insurance companies for minimum coverage in Palm Coast, Fl.

Minimum coverage required in Palm Coast, Fl are $10,000 in Personal injury protection (PIP) and $10,000 in property damage liability

Companies Average monthly premiums Average annual premiums
Progressive $35 $426
Mercury $42 $501
Geico $45 $538
State Farm $52 $626
Safeco $65 $776

Cheapest car insurance for full coverage in Palm Coast, Fl

State Farm offers the cheapest rate on full coverage car insurance, with a quote of $1,596 a year, but depending on your circumstances, Progressive also has competitive rates, at about $1,731 a year, which is still cheaper than the average. 

Below are full coverage limits we used to analyzed the rates below: 

  • $100,000 bodily injury liability per person.
  • $300,000 bodily injury liability per accident.
  • $50,000 property damage liability per accident.
  • $100,000 uninsured motorist coverage per person.
  • $300,000 uninsured motorist coverage per accident.
  • Collision coverage with a $1,000 deductible.
  • Comprehensive coverage with a $1,000 deductible.
Companies Average monthly premiums Average annual premiums
State Farm $133 $1,596
Progressive $144 $1,731
Geico $154 $1,854
Allstate $157 $1,878
Travelers $167 $2,001

Cheapest car insurance for drivers with a DUI in Palm Coast, Fl

Having a DUI on your record can raise your premiums by about $1,085 a year. If you have a DUI on your record, try Geico : they have average quotes of about $2,878 a year for those with a DUI. State Farm is the second cheapest, at about $3,039 a year. 

Companies Average monthly premiums Average annual premiums
Geico $240 $2,878
State Farm $253 $3,039
Geico $261 $3,131
Safeco $278 $3,338
Progressive $284 $3,407

Cheapest car insurance for drivers with an at-fault accident in Palm Coast, Fl

Progressive and State Farm are both worth a look if you’ve been in one at-fault accident in Palm Coast, Fl. Progressive can offer you a policy for about $1,753 and State Farm rates are about $2,048 a year. 

Companies Average monthly premiums Average annual premiums
Progressive $146 $1,753
State Farm $171 $2,048
Geico $185 $2,217
Allstate $198 $2,376
Travelers $213 $2,555

Cheapest car insurance for drivers with a speeding ticket in Palm Coast, Fl

Progressive can offer you car insurance after a speeding ticket that’s about 50% cheaper than the average rate. Progressive is about $150 a month or $1,798 a year. Geico is about $$232 a month, or $2,784 a year—almost $1,000 more. 

Companies Average monthly premiums Average annual premiums
Progressive $150 $1,798
Geico $232 $2,784
State Farm $247 $2,969
Nationwide $256 $3,074
Safeco $273 $3,271

Cheapest car insurance for drivers with bad credit in Palm Coast, Fl

While some states have moved to prohibit insurance companies from using your credit score to set your car insurance rates, Florida is not one of them. Drivers with poor credit might want to look at either Mercury (with an average rate of $224 a month) or Progressive with an average rate of $221 a month.

Companies Average monthly premiums Average annual premiums
Progressive $221 $2,647
Mercury $224 $2,690
Travelers $235 $2,820
Nationwide $241 $2,895
Allstate $253 $3,036

Cheapest car insurance for 20 years old with good driving record in Palm Coast, Fl 

The cheapest rate we could find for a 20-year-old driver in Palm Coast, FL was Progressive insurance at $145.

Companies Average monthly premiums Average annual premiums
Progressive $145 $1,740
Travelers $158 $1,896
National General $165 $1,980
Geico $179 $2,148
Allstate $193 $2,316

Cheapest car insurance for 30 years old with good driving record in Palm Coast, Fl

The cheapest rate we could find for a 30-year-old in Palm Coast, FL was from Progressive at $121 a month.

Companies Average monthly premiums Average annual premiums
Progressive $121 $1,452
Mercury $143 $1,716
21st Century $156 $1,872
Geico $171 $2,052
State Farm $192 $2,304

Cheapest car insurance for 40 years old with good driving record in Palm Coast, Fl 

Progressive was also cheapest for 40-year-olds in Palm Coast, at $106 a month. 

Companies Average monthly premiums Average annual premiums
Progressive $106 $1,272
Travelers $121 $1,452
Geico $130 $1,560
Direct Auto $142 $1,704
Nationwide $160 $1,920

Cheapest car insurance for 50 years old with good driving record in Palm Coast, Fl 

One of the great things about turning 50 is that your car insurance rates go down. The best rate we could find for a 50-year-old was also from Progressive , and the average rate is $96 a month.

Companies Average monthly premiums Average annual premiums
Progressive $96 $1,152
Geico $109 $1,308
State Farm $129 $1,548
Mercury $135 $1,620
Nationwide $149 $1,788

Cheapest car insurance for 60 years old with good driving record in Palm Coast, Fl 

If you’re in your 60s, you should consider either State Farm or Geico . State Farm can get you a rate of $98 while Geico can offer you a quote of $123 a month. 

Companies Average monthly premiums Average annual premiums
State Farm $98 $1,176
Geico $123 $1,476
Safeco $135 $1,620
Progressive $142 $1,704
Travelers $161 $1,932

What factors impact car insurance cost in Palm Coast, Fl?

You may be surprised if you call one of these companies and get a dramatically different quote than is listed here. The reason for that is that car insurance rates vary by a number of factors:

  • Age
  • Driving history: one speeding ticket can increase your rates by 24%!
  • Zip code: some zip codes have higher property crime than others
  • Car make and model: some cars are likely to be stolen, and that hot-rod you’ve been eyeing will definitely cost more to insure than an average, run-of-the-mill sedan with good safety features
  • Mileage: the more you drive, the higher your rates. Insurance companies see it as the more time you spend on the road, the more likely it is that you’ll be in an accident
  • Credit history: only California, Massachusetts and Hawaii have dismissed credit history as a factor in car insurance
  • Marital status: married people pay less because statistically, they are in 50% fewer accidents than their single counterparts. 
  • Gender: men pay about 6% less, unless you’re a teenage male, in which case you pay about 14% more than a teenage girl
  • Homeownership: If you are a homeowner, carriers seem to offer you a better rate than renters. 
  • And many more other factors. Each carrier has their own set of factors that they consider in their proprietary underwriting models to provide you with a rate. 

Some of these things you can control, and others you can’t do anything about. 

How to find cheap car insurance in Palm Coast, Fl? 

The good news is that there are ways to save money on your car insurance, including:

  • Bundle one or more policies, such as your home and auto insurance with the same company. Usually, you can get a 5% o 10% discount, and maybe as much as a 20% discount.
  • If you’re over 55, ask AARP about special rates
  • If you’re a student, you can qualify for the good student discount with a B average or better and save 10%
  • Work to improve your credit score. People with better credit pay less for car insurance. 
  • Ask about pay in full, ETF, auto pay and other discounts. 
  • Drive safely!

Palm Coast, Florida SR-22

An SR-22 is a legal document you need to get if you have a violation like a DUI or multiple traffic violations on your record. You can also be required to have an SR-22 if you get caught driving without insurance or with a suspended license. An SR-22 is not insurance, it’s a form your insurance company files with the state of Florida to ensure you remain insured. 

If you are not insured already and need an SR-22, you might have to pay a fee and you’ll pay higher rates because of your high-risk driving. Some carriers won’t insure you at all, but some will offer you a policy—at an inflated rate, of course. 

If you already have insurance, you’ll contact your insurance company to request that they file an SR-22 for you. They might refuse to cover you, but you can obtain new insurance. 

What are the minimum car insurance coverage requirements in Palm Coast, Florida? 

You’ll need a minimum of $10,000 in Personal injury protection (PIP) and $10,000 in property damage liability to operate a car in Palm Coast, Florida. 

What is car insurance full coverage in Palm Coast, Fl? 

Full coverage car insurance means that you have collision and comprehensive insurance added on to your policy. If you have a loan, the lender will require this coverage. 

Below are the coverages we used to analyze car insurance cost for full coverage in Palm Coast, Fl: 

  • $100,000 bodily injury liability per person.
  • $300,000 bodily injury liability per accident.
  • $50,000 property damage liability per accident.
  • $100,000 uninsured motorist coverage per person.
  • $300,000 uninsured motorist coverage per accident.
  • Collision coverage with a $1,000 deductible.
  • Comprehensive coverage with a $1,000 deductible.

What does car insurance cover? 

Florida requires Personal Injury Protection (PIP) and Property Damage Liability (PDL). You need a minimum of $10,000 each to register a car in Florida. 

However, these limits are the bare minimum. One visit to an emergency department could cost you over $10,000, so higher limits are a good idea. You’ll also want to consider:

Bodily injury liability: Covers medical expenses of another driver or pedestrian when you’re in an at-fault accident. It’s not required in Florida but going without it can leave you vulnerable to costly lawsuits. 

Property damage liability: Damage to another person’s property. This could be their car, the contents of their car, their fence, their home, or whatever else you manage to hit. At least $10,000 in PDL is required in Florida, but that amount won’t go very far. 

Uninsured motorist: covers your medical expenses if you’re in an accident with an uninsured driver. 

Underinsured motorist: covers your medical expenses if you’re in an accident with someone who doesn’t have enough liability insurance to cover your medical bills. 

Collision: covers the costs of repairing your own vehicle if you’re in an accident. 

Comprehensive: covers damage to your vehicle due to vandalism, theft, or weather. If you have a loan or a lease, your lender will require both of these coverages. 

Our methodology 

For all profiles in the analysis, BravoPolicy analysts included 5-15 largest insurance companies in each city and state. Wherever available, we included rates from smaller companies as well. 

For each city and each driver profile, we included rates for the selected 10-20 zip codes in the city and averaged for the carrier’s rate in the city of the analysis. 

For the cheapest company overall, the cheapest company for minimum coverage, and the cheapest company for full coverage, we analyzed rates for 30-year-old drivers with good credit. 

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.
  • $300,000 bodily injury liability per accident.
  • $50,000 property damage liability per accident.
  • $100,000 uninsured motorist coverage per person.
  • $300,000 uninsured motorist coverage per accident.
  • Collision coverage with a $500 deductible.
  • Comprehensive coverage with a $500 deductible.

We used a 2020 Toyota Camry L for all drivers and assumed 10,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we used the minimum required coverage by law in the state.
  • For drivers with one at-fault crash, we included rates for drivers with one at-fault crash that happened in the past six months.
  • For drivers with a DUI, we included rates for drivers that had a drunken driving violation that happened in the past 6 months 

These are the average rates based on the rates filling of the insurance companies. Your rates will be different. 

Thang Truong
Thang Truong

Thang Truong covers small business insurance and small business success at BravoPolicy. He is a licensed P&C insurance agent. Previously, he held product leadership positions at realtor.com, Capital One, NerdWallet, and Mulberry Technology. He holds a MBA degree from UC Berkeley - Haas School of Business.

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