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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Florida is one of the most expensive states for auto insurance, with drivers paying an average of $258 per month, according to Compare.com data. But average monthly rates are even higher in West Palm Beach, at $333.
We’ve gathered and analyzed thousands of quotes to find the cheapest car insurance rates for West Palm Beach drivers by age, driver profile, and coverage type. Check out our findings below.
State Farm has the cheapest car insurance in West Palm Beach, averaging $97 per month.
West Palm Beach drivers pay an average of $301 per month for liability insurance and $364 for full coverage.
Florida drivers need a minimum of $10,000 in both personal injury protection (PIP) and property damage liability (PDL) coverage to drive legally in the state.
Location ▲▼ | Average Monthly Premium: Liability ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
|---|---|---|---|
| West Palm Beach | $301 | $364 | $333 |
| Florida | $216 | $300 | $258 |
| National average | $92 | $176 | $135 |
Our research found that West Palm Beach drivers pay an average of $333 monthly for car insurance. That breaks down to $301 per month for a basic liability policy and $364 for full coverage.
Though average rates can be valuable when comparing auto insurance quotes, they just scratch the surface. These broad averages don’t necessarily reflect how much you’ll pay since your unique driving profile determines your premiums.
We’ll explore some of West Palm Beach’s cheapest insurers to help you find the best deal on auto coverage.
Compare personalized quotes from the area’s top insurers.
Even though West Palm Beach’s rates are higher than average, local drivers have plenty of ways to save — starting with identifying the most affordable companies in the city. We found several companies offering rates well below the city average.
Here are the top five cheapest companies in West Palm Beach and the average monthly premium for each, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $97 |
| GEICO | $99 |
| Hugo | $108 |
| Allstate | $168 |
| Travelers | $201 |
State Farm is the cheapest auto insurer in West Palm Beach, averaging $97 per month.
The following sections break down the city’s best car insurance companies and the cheapest options for several driver demographics.
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Many factors, such as your unique profile and the company you choose, affect car insurance prices. Because of that, there’s no single best car insurance company for everyone.
We’ve researched dozens of companies in Florida to find the best for specific driver demographics. We picked the three companies below based on a combination of average rates, customer reviews and ratings, and available coverages and discounts in West Palm Beach.
Average premium: $97 per month
Compare.com Rating: 4.90 out of 5
Among the cheapest rates in the city
Plenty of available discounts
Above-average customer satisfaction rating in Florida
Few optional coverages available
Not the cheapest option for teens
Gap insurance not available
State Farm offers some of the best overall value in West Palm Beach, but choosing State Farm may pay off most for drivers with spotty driving records who typically require high-risk insurance. It also has one of the highest ratings for auto insurance customer satisfaction in Florida, according to the 2024 J.D. Power U.S. Auto Insurance Study.
But State Farm offers fewer coverage options than other insurers. For example, it doesn’t offer gap insurance, which some lenders may require if you lease or finance your vehicle.
Average premium: $149 per month
Compare.com Rating: 4.65 out of 5
Many available discounts for teens
Highly rated mobile app
Above-average customer satisfaction in Florida
Below-average claims satisfaction rating
Only one local insurance agent
Few additional coverages available
If you have a teen driver in Florida, it’s worth considering GEICO for car insurance — the insurer offers multiple ways for teen drivers to save. GEICO also has a highly rated mobile app for accessing your policy and ID cards and filing and tracking claims.
While GEICO scored above average for customer service in the Florida region, it scored below average in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Though few optional coverages are available, it’s one of the only insurers offering mechanical breakdown insurance.
Average premium: $108 per month
Compare.com Rating: 3.22 out of 5
Flexible payment plans
Same-day policies available
Short-term car insurance available
Full coverage not available in Florida
SR-22 insurance not available
Not the cheapest option for high-risk drivers
Hugo offers flexible liability-only insurance plans in Florida. These plans allow you to pay for as little as three days of coverage at a time, making them a great option for people who work from home and don’t drive every day. You can also buy same-day and short-term coverage.
But Hugo has limited coverage options in Florida, and it isn’t the cheapest option for high-risk drivers.
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The amount of coverage you buy directly affects how much you pay for car insurance. Liability coverage at Florida’s state minimum limits is the cheapest policy you can get. It covers other people if you cause an accident with injuries or property damage, but not your own bills.
The table below highlights companies that offer the cheapest basic liability coverage in West Palm Beach, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $90 |
| GEICO | $93 |
| Hugo | $101 |
| Allstate | $157 |
| Safeco | $177 |
State Farm has the cheapest rates for liability-only coverage, averaging $90 per month.
But if you need more coverage, take a look at the cheapest companies for full-coverage policies in the next section.
Full-coverage car insurance includes liability insurance and physical damage coverage (collision and comprehensive insurance) for your vehicle. These additional coverages provide more protection, making it more expensive than liability-only coverage. It’s a good idea if you want coverage for your car, and many lenders require it.
This table shows the cheapest full-coverage insurance companies in West Palm Beach, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $103 |
| GEICO | $106 |
| Allstate | $179 |
| Travelers | $216 |
| Mercury | $226 |
State Farm Insurance offers the lowest full-coverage rates in West Palm Beach, averaging $103 per month.
Next, we compared insurance policy premiums by age to find the best rates.
Age is one of the most important rating factors car insurance companies use to determine rates. Teens and young drivers pay the most because of their lack of experience and risky driving behaviors. In contrast, older drivers typically pay less because they’re more cautious and have decades of driving experience.
Here’s a breakdown of West Palm Beach’s car insurance rates by age group, according to Compare.com data. For each group, you'll see the citywide average, the cheapest auto insurer, and what each company charges.
Age Group ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Teens | $510 | GEICO | $149 |
| 20s | $381 | State Farm | $117 |
| 30s | $331 | State Farm | $97 |
| 40s | $320 | Hugo | $93 |
| 50s | $300 | Hugo | $84 |
| 60s | $278 | State Farm | $77 |
| 70s | $287 | State Farm | $76 |
Let’s take a closer look at the cheapest companies for teens and seniors.
Teens’ risky driving behaviors make them the most expensive age group to insure. Motor vehicle accidents are highest among teenagers and are the leading cause of death for this age group, according to the Centers for Disease Control and Prevention (CDC).
Teens pay an average of $510 per month for car insurance in West Palm Beach, according to Compare.com data. But you can likely save substantially on your car insurance by choosing GEICO — it offers the cheapest average rates for teens in the city, at $149 per month.
Retirement is a milestone many seniors look forward to. Not only do you get more time to spend your golden years exactly how you want, but you can also enjoy some of the best prices for car insurance.
Seniors are some of the safest drivers on the road. They tend to drive within the posted speed limit and wear a seat belt, which contributes to cheaper rates.
We found that West Palm Beach seniors in their 60s pay an average monthly rate of $278 for car insurance. But State Farm offers the cheapest policies for this age group, averaging $77 per month.
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Your driving record is another major factor that significantly affects your car insurance rates. Drivers with clean driving records — no tickets or at-fault accidents — tend to practice safe driving habits and are typically less risky to insure. But if you have a history of driving violations, insurers will view you as riskier and will increase your rates.
The table below shows how premiums change based on driving records and which insurers are the cheapest in West Palm Beach for each category, according to Compare.com data.
Driving Record ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Clean record | $333 | State Farm | $100 |
| Speeding ticket | $395 | State Farm | $114 |
| At-fault accident | $425 | State Farm | $124 |
| DUI | $492 | State Farm | $150 |
Here’s a closer look at how getting a speeding ticket, causing accidents, and driving under the influence (DUI) affects your rates.
A single ticket will cause your car insurance rates to go up because it indicates that you’re more likely to file a claim in the future. National average rates show an increase of 27% after a speeding ticket, according to Compare.com data.
We found that West Palm Beach drivers pay an average of $395 per month after a speeding ticket. But State Farm’s rates are the cheapest for these drivers, at an average of $114 per month.
Causing an accident is one reason you’ll see a rate increase when your policy renews. In fact, national average premiums increase by 34% after an at-fault accident, according to our data.
You’ll pay an average of $425 monthly in West Palm Beach if you have an at-fault accident on your driving record, based on our research. But you can likely get a cheaper rate with State Farm, at around $124 per month.
A DUI is a severe infraction that comes with hefty penalties — including a steep increase in car insurance premiums. Drivers with a DUI conviction pay a staggering average of 50% more nationally, according to Compare.com data.
We found that the average cost of car insurance in West Palm Beach after a DUI is $492 per month. But with State Farm, the average rate in the area is just $150 per month.
A spotty driving record doesn’t mean you can’t get affordable rates.
Like most states, Florida has minimum coverage requirements for drivers. You must have at least $10,000 each for property damage liability and personal injury protection to drive in the state, according to the Florida Department of Highway Safety and Motor Vehicles.
Though Florida law doesn’t require liability insurance, it’s a good idea to have. If you’re at fault for an accident that causes injuries, you’ll have to get high-risk SR-22 insurance for three years unless you can prove you had $10,000 in PIP coverage and the following liability limits at the time of the accident:
$10,000 in bodily injury liability (BI) per person
$20,000 in BI per accident
$10,000 in property damage liability per accident
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If you want to save on car insurance in West Palm Beach, it’s crucial to understand what factors influence your rates. Things like age, driving habits, and where you live will play a role, but getting cheap car insurance is possible, regardless of your unique insurance profile. Here are some tips to follow.
Review your policy: Check your policy each time it renews to make sure you’re not paying for coverage you don’t need and are taking advantage of the discounts you’re eligible for.
Bundle your policies: Buying two or more insurance policies with the same company, such as your auto policy and homeowners insurance, makes you eligible for a multi-policy discount — typically the largest single discount you can get.
Choose the right car: If you’re in the market for another vehicle, get auto insurance quotes before you buy the car to see which make and model has the most affordable prices.
Compare quotes: Shopping around and comparing car insurance quotes from at least three companies can help you score the best coverage at the lowest rates. Consider using an insurance comparison website to see your quotes all in one place.
Get personalized rates from West Palm Beach’s top insurers.
If you still want to know more about auto insurance in West Palm Beach, we’ve answered the most commonly asked questions below.
The cheapest car insurance company in West Palm Beach is State Farm, with an average rate of $97 per month, according to Compare.com data. Keep in mind your actual rate may be more or less depending on your driver profile and the company you choose.
Car insurance averages $333 in West Palm Beach, Florida, according to Compare.com data. Drivers pay an average of $301 per month for liability-only insurance and $364 for full coverage. But your personal rate will vary depending on factors like your driving record, where you live, the coverage you choose, and more.
Florida drivers must have at least $10,000 each in personal injury protection and property damage liability. But if you cause an accident and don’t have at least 10/20/10 liability limits, you’ll have to purchase a liability policy and file an SR-22 for three years.
We found that average car insurance rates are $258 per month in Florida, which breaks down to $300 per month for full coverage and $216 per month for minimum coverage.
State Farm has the most affordable car insurance in Florida, at $142 per month, according to Compare.com data.
Sources:
Florida Department of Highway Safety and Motor Vehicles, “Traffic Crash Reports Crash Dashboard,” accessed August 29, 2024.
J.D. Power, “2024 Auto Insurance Study,” accessed August 29, 2024.
J.D. Power, “2023 Auto Claims Satisfaction Study,” accessed August 29, 2024.
Centers for Disease Prevention and Control, “Risk Factors for Teen Drivers,” accessed August 29, 2024.
AAA, “Senior Driver Safety & Mobility,” accessed August 29, 2024.
Florida Department of Highway Safety and Motor Vehicles, “Involved in a Crash?,” accessed August 29, 2024.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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