Skip to content

5 Cheapest Car Insurance in West Palm Beach, Florida for 2022

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

Cheapest car insurance companies in West Palm Beach, Florida 

For the analysis of the cheapest car insurance companies in West Palm Beach, 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.

Geico has the cheapest car insurance rate in West Palm Beach, Florida with the average cost of $115 per month, or $1,385 per year. State Farm offers the second cheapest rate at $128 per month. Below are the 5 cheapest car insurance companies in West Palm Beach, Florida and their average rates. 

Companies  Average monthly premiums  Average annual premiums 
Geico $115 $1,385
State Farm $128 $1,536
Allstate $134 $1,611
Metlife $142 $1,701
Travelers $152 $1,822

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 West Palm Beach, Florida 

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

Coverage limits  Average monthly premiums  Average annual premiums 
Minimum coverage $50 $602
50/100/50 $134 $1,612
100/300/100 $155 $1,858

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

Average cost of car insurance in West Palm Beach’s top zip codes

Below are the average car insurance costs in top zip codes in West Palm Beach, Florida. 

Zip code Average monthly rate
33413 $210
33414 $218
33415 $196
33416 $198
33417 $176
33418 $189
33419 $203
33422 $217
33431 $221
33460 $228

Cheapest car insurance for minimum coverage in West Palm Beach, Fl

The cheapest average policy quote for minimum coverage in West Palm Beach is about $739 a year, from Geico. 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 West Palm Beach, Fl.

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

Companies Average monthly premiums Average annual premiums
Geico $62 $739
State Farm $69 $832
Progressive $76 $911
Allstate $86 $1,030
Allied $98 $1,176

Cheapest car insurance for full coverage in West Palm Beach, Fl

State Farm offers the cheapest rate on full coverage car insurance, with a quote of $1,537 a year, but depending on your circumstances, Allstate also has competitive rates, at about $1,656 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 $128 $1,537
Allstate $138 $1,656
Geico $147 $1,761
Metlife $154 $1,850
Nationwide $177 $2,119

Cheapest car insurance for drivers with a DUI in West Palm Beach, 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 $2,276 a year for those with a DUI. Progressive is the second cheapest, at about $2,401 a year. 

Companies Average monthly premiums Average annual premiums
Geico $190 $2,276
Progressive $200 $2,401
State Farm $216 $2,592
Nationwide $235 $2,818
Metlife $244 $2,923

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

Geico and State Farm are both worth a look if you’ve been in one at-fault accident in West Palm Beach, Fl. Geico can offer you a policy for about $2,144 and State Farm rates are about $2,235 a year. 

Companies Average monthly premiums Average annual premiums
Geico $179 $2,144
State Farm $186 $2,235
Allstate $198 $2,382
Progressive $208 $2,496
Metlife $228 $2,741

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

Progressive can offer you car insurance after a speeding ticket that’s about 50% cheaper than the average rate. Progressive is about $173 a month or $2,080 a year. State Farm is about $$183 a month, or $2,195 a year—almost $1,000 more. 

Companies Average monthly premiums Average annual premiums
Progressive $173 $2,080
State Farm $183 $2,195
Allstate $194 $2,327
Geico $202 $2,426
Nationwide $212 $2,542

Cheapest car insurance for drivers with bad credit in West Palm Beach, 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 Allstate (with an average rate of $201 a month) or Progressive with an average rate of $193 a month.

Companies Average monthly premiums Average annual premiums
Progressive $193 $2,314
Allstate $201 $2,415
Geico $210 $2,517
Travelers $220 $2,635
Metlife $235 $2,821

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

The cheapest rate we could find for a 20-year-old driver in West Palm Beach, FL was State Farm insurance at $225.

Companies Average monthly premiums Average annual premiums
State Farm $225 $2,704
Progressive $235 $2,825
Geico $243 $2,915
Metlife $264 $3,172
Travelers $286 $3,429

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

The cheapest rate we could find for a 30-year-old in West Palm Beach, FL was from Geico at $165 a month.

Companies Average monthly premiums Average annual premiums
Geico $165 $1,976
Progressive $176 $2,111
State Farm $186 $2,231
Nationwide $202 $2,425
Metlife $222 $2,665

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

State Farm was also cheapest for 40-year-olds in West Palm Beach, at $162 a month. 

Companies Average monthly premiums Average annual premiums
State Farm $162 $1,946
Allstate $179 $2,147
Geico $184 $2,209
Nationwide $201 $2,410
Liberty Mutual $220 $2,642

Cheapest car insurance for 50 years old with good driving record in West Palm Beach, 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 State Farm, and the average rate is $146 a month.

Companies Average monthly premiums Average annual premiums
State Farm $146 $1,757
Geico $160 $1,921
Allstate $164 $1,966
Travelers $181 $2,174
Metlife $195 $2,338

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

If you’re in your 60s, you should consider either Geico or Allstate. Geico can get you a rate of $153 while Allstate can offer you a quote of $164 a month. 

Companies Average monthly premiums Average annual premiums
Geico $153 $1,838
Allstate $164 $1,963
State Farm $181 $2,172
Metlife $191 $2,297
Progressive $224 $2,687

What factors impact car insurance cost in West Palm Beach, 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 West Palm Beach, 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!

West Palm Beach, 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 West Palm Beach, 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 West Palm Beach, Florida. 

What is car insurance full coverage in West Palm Beach, 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 West Palm Beach, 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. 

Click to rate this post!
[Total: 0 Average: 0]
Share on facebook
Facebook
Share on twitter
Twitter
Share on linkedin
LinkedIn
Share on pinterest
Pinterest

Comments are closed for this article!

%d bloggers like this: