Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best cheap car insurance in West Palm Beach for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best car insurance companies in West Palm Beach
When looking for the best car insurance companies in West Palm Beach, cost is likely to be one factor that matters to you. You may have other priorities, as well, such as superior customer service, a broad range of discounts and endorsement opportunities or financial stability. Bankrate's team took all those elements and more into account when looking at the insurance companies in West Palm Beach that are writing the most policies.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Geico made our list: Geico has some of the cheapest average rates among car insurance providers in West Palm Beach. In addition to low average rates, Geico is known to offer affordable average rates for high-risk drivers, and both its online and mobile app services are easy to navigate for policy changes, bill paying and claim submissions. Geico was a multiple award winner in the 2024 Bankrate Awards, taking home the prizes for Best Auto Insurance Company Overall (in a tie with Amica), Best Budget Auto Insurance Company (in a tie with Auto-Owners) and Best for Young Drivers.
Why Geico may be the best for discounts: While Geico may have fewer coverage options than many of its competitors, the discount selection is robust, with potential discounts for young drivers, student drivers, or driver training. Both active duty and retired military policyholders may be eligible for up to 15 percent off their car insurance, and policyholders can download the DriveEasy telematics app to potentially save money by displaying safe driving behaviors.
| Bankrate Score | 4.4 |
| J.D. Power | 629/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why State Farm made our list: State Farm offers some of the cheapest full and minimum coverage rates on average of the providers on our list. The company is known for its robust mobile tools, offering easy policy management and a simple process when it comes time to file a claim. It also provides add-on coverage options, like car rental, travel expenses and emergency roadside service coverage. With programs like Drive Safe & Save and Steer Clear®, State Farm rewards safe drivers and also supports its student and young drivers with multiple potential discounts.
Why State Farm may be best for local agents: If you prefer to handle your insurance business with a local agent who has feet-on-the-ground knowledge of your region, you will be pleased to know that there are seven State Farm agencies in West Palm Beach. These agents are available to answer questions and help you find the best coverage for your needs at the most affordable price.
| Bankrate Score | 4.3 |
| J.D. Power | 650/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Progressive made our list: When you are looking for specific or unique coverage, Progressive could be your best bet. While Progressive tends to have higher average annual premiums for both full coverage and minimum coverage, the car insurance provider offers West Palm Beach drivers options like coverage for pet injuries, custom parts and equipment value. If you are a driver for companies like Uber or Lyft, Progressive also offers rideshare coverage. In addition, drivers can potentially save on their premiums with multiple discount programs, such as the Name Your Price® Tool and its Snapshot telematics program.
Why Progressive may be best for high-risk drivers: If you have a few marks on your license and are struggling to find affordable coverage, Progressive may be worth considering. The company was named the Best Auto Insurance Company for High-Risk Drivers in the 2024 Bankrate Awards, indicating that it goes above and beyond to provide robust coverage to those with driving challenges. It offers SR-22 filings when needed, and has a good array of discount options to help you keep your rate low.
| Bankrate Score | 4.4 |
| J.D. Power | 587/1,000 |
| AM Best Rating | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Allstate made our list: Allstate offers some of the cheapest average car insurance rates for drivers in West Palm Beach. In addition to having local agents in every state available to help, Allstate provides policyholders with several optional coverage selections and specialty policies like sound system insurance, Mexico tourist auto insurance, and personal umbrella policies. Discount opportunities are plentiful, too, with multiple potential payment discounts that include early signing, responsible payer and EZ pay plan discounts.
Why Allstate may be best for digital tools: Allstate's mobile app, available on Google Play and the Apple App Store, offers a range of functionalities. You can access your digital ID cards, pay bills, view documents, start and manage claims and more. The company's Good Hands Repair Network can help you find a vetted auto body shop for any necessary repairs. In addition, the app features GasBuddy to help you find the cheapest gas prices in West Palm Beach.
| Bankrate Score | 3.9 |
| J.D. Power | 643/1,000 |
| AM Best Rating | A+ |
Bankrate's trusted insurance industry expertise
Read our full methodologyBankrate's insurance editorial team, which includes licensed agents with decades of industry experience, undertook extensive research to create this guide to car insurance in West Palm Beach. We looked at average rates for each company, which were provided by Quadrant Information Services. We reviewed discount lists, available coverage options and third-party ratings for customer service and financial stability. We also took a close look at each company's digital tools and website, to see who offered the most seamless experience for those who prefer to handle their insurance business online. Compiling this data gave us this guide to the cheapest car insurance in West Palm Beach.
46
years of industry experience
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
The cheapest car insurance companies in West Palm Beach
To find cheap car insurance companies in West Palm Beach, we looked at average rate data for companies who write the majority of policies in Florida. The Sunshine State has a reputation for high average rates compared to other states, but we were able to find a few companies offering affordable coverage for Florida drivers.
|
|
|
|
|---|---|---|
|
$1,007
|
$3,853
|
|
|
$1,542
|
$4,093
|
|
|
$1,705
|
$4,173
|
|
|
$1,333
|
$4,937
|
How much is car insurance in West Palm Beach, FL?
We discovered that drivers in West Palm Beach pay an average rate of $4,544 for full coverage, which includes optional collision and comprehensive insurance, while state-mandated minimum coverage is available for an average cost of $1,399. That’s 26 percent more than the Florida state average and 90 percent more than the national average. Why is it so pricey? There could be several reasons, including the fact that the city's urban area often features heavy traffic — leading to an increased number of accidents and subsequent claims.
West Palm Beach rates for teens
The average cost of full coverage car insurance for a 16-year-old on their parents’ insurance in West Palm Beach is $9,160 per year; the average cost for an 18-year-old driver on a standalone policy is $11,264 per year.
Teen drivers are statistically more likely to engage in risky driving practices, such as texting while driving, and have less experience behind the wheel. Because of this, insurers generally charge a higher rate for their coverage. Some insurers, however, offer teen-focused discounts which can mitigate the high rates somewhat. Keeping a teen on the parents’ policy can also reduce costs. On average, a full coverage insurance policy in West Palm Beach with an 18-year-old and two married parents costs 8,156, which is 28 percent less than a standalone policy for the same 18-year-old. The following companies offer the most affordable coverage for teen drivers in West Palm Beach.
|
|
|
|
|---|---|---|
|
$2,190
|
$1,786
|
|
|
$2,223
|
$1,972
|
|
|
$2,702
|
$2,381
|
|
|
$3,058
|
$2,417
|
|
|
|
|
|---|---|---|
|
$6,929
|
$6,002
|
|
|
$7,219
|
$5,988
|
|
|
$7,320
|
$6,670
|
|
|
$7,712
|
$6,409
|
West Palm Beach rates for young drivers
As young drivers transition from their teens into their 20s, they should start seeing their rates start to decline, as long as they have maintained a clean driving record and all other factors remain equal. Young drivers moving out of their teens may see an increase, however, if they switch from their parents' policy to a policy of their own. On average, a 20-year-old driver on a standalone full coverage policy pays $8,722 per year in West Palm Beach, while a 25-year-old driver pays an average of $5,455 per year for the same coverage.
Most insurers offer discounts designed for young drivers, and these can help keep high rates in check. The rates below are for young drivers on their own policy, not their parents'.
|
|
|
|
|---|---|---|
|
$1,932
|
$1,268
|
|
|
$2,793
|
$1,973
|
|
|
$2,892
|
$1,796
|
|
|
$3,191
|
$1,514
|
|
|
|
|
|---|---|---|
|
$6,807
|
$4,328
|
|
|
$6,894
|
$4,686
|
|
|
$7,541
|
$4,711
|
|
|
$10,988
|
$5,763
|
West Palm Beach rates for adults
On average, a 30-year-old driver in Tampa pays $4,694 per year for full coverage auto insurance, while a 50-year-old driver pays $1,493 per year, on average. Average rates for adults continue to drop as they enter their middle years, as the tables below show, although earning marks on their license may result in higher rates. Keep in mind that your own premium is unlikely to match the averages, since it is based on multiple factors that are unique to you and your situation.
|
|
|
|
|
|---|---|---|---|
|
$1,121
|
$1,007
|
$981
|
|
|
$1,335
|
$1,333
|
$1,275
|
|
|
$1,576
|
$1,542
|
$1,480
|
|
|
$1,812
|
$1,705
|
$1,492
|
|
|
|
|
|
|---|---|---|---|
|
$3,777
|
$3,853
|
$3,400
|
|
|
$4,172
|
$4,093
|
$3,937
|
|
|
$4,285
|
$4,173
|
$3,640
|
|
|
$4,939
|
$4,937
|
$4,740
|
West Palm Beach rates for senior drivers
Accident rates begin to rise again for drivers in their 70s and beyond, so there may be a slight uptick in premium rates for older drivers. On average, we found that Tampa drivers pay around $1,277 per year for full coverage at age 60 and $1,406 per year at age 70. Rate increases can often be kept to a minimum, however, by maintaining a clean driving record and driving cars that are cheaper to insure rather than luxury or sports vehicles. Other factors may also play a role in your rate, which may make it a good idea to compare rates from several insurers to see if you can find more affordable coverage.
|
|
|
|
|---|---|---|
|
$931
|
$948
|
|
|
$1,224
|
$1,293
|
|
|
$1,426
|
$1,453
|
|
|
$1,429
|
$1,520
|
|
|
|
|
|---|---|---|
|
$931
|
$3,239
|
|
|
$1,429
|
$3,691
|
|
|
$1,426
|
$3,913
|
|
|
$1,224
|
$4,808
|
The cheapest car insurance in West Palm Beach by driving record
As we've noted above, one of the most significant factors in determining your premium rate is your driving history. If you have earned speeding tickets, been involved in an accident or been convicted of a DUI, it's likely that your rates will be higher than a comparable driver with a clean record. Insurers are likely to see you as a higher risk to insure, so they compensate by increasing the premium.
Car insurance with a speeding ticket in West Palm Beach
Typically, speeding ticket conviction in West Palm Beach will increase your auto insurance when it renews. On average, West Palm Beach drivers with a single speeding ticket pay $5,274 per year for full coverage insurance, compared to $4,544 prior to their conviction. This means that drivers with a single speeding ticket conviction typically pay 16 percent more for full coverage.
|
|
|
|
|---|---|---|
|
$1,333
|
$4,937
|
|
|
$1,362
|
$5,236
|
|
|
$1,965
|
$4,781
|
|
|
$2,203
|
$5,462
|
Car insurance after an accident in West Palm Beach
On average, West Palm Beach drivers with a single at-fault accident on their driving record pay 34 percent more for full coverage than drivers with clean records. A driver who’s found at fault for an accident represents a greater risk to insurance companies, which charge an average of $6,103 per year for West Palm Beach drivers with a single at-fault conviction. You may be able to avoid an increase, however, if you have an accident forgiveness endorsement on your policy, which waives the rate surcharge after a single accident.
|
|
|
|
|---|---|---|
|
$1,355
|
$4,788
|
|
|
$2,107
|
$7,028
|
|
|
$2,381
|
$5,544
|
|
|
$2,567
|
$6,241
|
Car insurance after a DUI in West Palm Beach
Florida law takes DUIs seriously, and you are likely to face stiff fines or other penalties if you are convicted of one. Tampa drivers pay average annual rates of $6,826 for full coverage and $2,332 for state minimum coverage after a single DUI conviction. Drivers with a single DUI pay 50 percent more for full coverage and 49 percent less for minimum coverage, on average, than drivers with clean records. There are, however, ways to keep increases to a minimum. Consider taking a defensive driving course, for example, which may earn you a discount while at the same time helping you to improve your skills behind the wheel.
|
|
|
|
|---|---|---|
|
$1,611
|
$5,651
|
|
|
$1,711
|
$6,311
|
|
|
$1,956
|
$4,681
|
|
|
$2,873
|
$6,426
|
Minimum coverage requiremets in West Palm Beach
Drivers in West Palm Beach and throughout Florida are required by Florida state law to have a minimum amount of liability insurance. Florida's minimums are low compared to many other states, however, and might not be enough to protect you fully if you were in a serious accident. Many insurance experts would recommend that you purchase higher levels and consider optional types of coverage to provide more robust protection.
To drive legally in Florida, you will need to have at least these minimums:
- $10,000 in personal injury protection (PIP) coverage
- $10,000 in property damage liability coverage
Bodily injury liability is not required in Florida but drivers do have to prove their ability to pay for damages under the “financial responsibility law.” If a driver does purchase car insurance to satisfy the law, the minimum requirements are:
- $10,000 bodily injury liability per person
- $20,000 bodily injury liability per accident
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full 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 bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Bankrate Score
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
-
Cost & ratings 50%
-
Coverage & savings 30%
-
Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.