Cheapest Car Insurance In West Palm Beach, FL 2026
Travelers offers the cheapest liability-only car insurance in West Palm Beach, with an average rate of $81 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When scouring for the cheapest car insurance in West Palm Beach, FL, the options can vary greatly.
For those seeking the cheapest liability-only coverage, Travelers emerges as the most affordable option. Meanwhile, drivers looking for more comprehensive protection find that Travelers offers the best rates for full coverage policies. While State Farm offers the cheapest car insurance rates for young drivers.
Key Takeaways
West Palm Beach’s cheapest liability-only car insurance company is Travelers.
Car insurance in West Palm Beach costs an average of $221 per month.
To get the lowest rates, shop around and compare quotes from multiple carriers.
Cheapest Liability-Only Car Insurance In West Palm Beach – Travelers
Travelers is the cheapest car insurance company for minimum coverage car insurance in West Palm Beach, with an average monthly cost of $81.
Use the table below to compare rates across different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $86 | $1,032 |
| MetLife | $88 | $1,056 |
| Progressive | $92 | $1,104 |
| State Farm | $84 | $1,008 |
| Travelers | $81 | $972 |
Cheapest Full Coverage Insurance In West Palm Beach – Travelers
Travelers has the cheapest car insurance rates for full coverage. Their quotes average $165 a month in West Palm Beach.
The table below compares average auto insurance quotes from affordable insurers in West Palm Beach.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $176 | $2,112 |
| Mercury | $182 | $2,184 |
| Progressive | $188 | $2,256 |
| State Farm | $171 | $2,052 |
| Travelers | $165 | $1,980 |
Cheapest Car Insurance For Senior Drivers – GEICO
GEICO offers the cheapest car insurance policy for seniors in West Palm Beach, at an average rate of $136 a month.
The below table shows average quotes from the cheapest auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $142 | $1,704 |
| GEICO | $136 | $1,632 |
| Nationwide | $145 | $1,740 |
| Progressive | $148 | $1,776 |
| State Farm | $139 | $1,668 |
Cheapest Car Insurance In West Palm Beach For Teenagers – State Farm
Teenage drivers in West Palm Beach can find the cheapest quotes from State Farm, with average monthly premiums of $324.
The table below shows the companies with the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $356 | $4,272 |
| GEICO | $339 | $4,068 |
| Nationwide | $348 | $4,176 |
| State Farm | $324 | $3,888 |
| Travelers | $344 | $4,128 |
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Cheapest Car Insurance In West Palm Beach After A Speeding Ticket – State Farm
State Farm offers the cheapest car insurance in West Palm Beach, with average rates of $168 a month for drivers who have a speeding ticket on their record.
You can use the table below to find average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $176 | $2,112 |
| Nationwide | $183 | $2,196 |
| Progressive | $189 | $2,268 |
| State Farm | $168 | $2,016 |
| Travelers | $172 | $2,064 |
Cheapest For Drivers With After At-Fault Accident – State Farm
State Farm offers the cheapest car insurance quotes for drivers with an at-fault incident, with an average rate of $191 per month.
Here are the car insurance companies with the cheapest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $212 | $2,544 |
| GEICO | $198 | $2,376 |
| Progressive | $205 | $2,460 |
| State Farm | $191 | $2,292 |
| Travelers | $202 | $2,424 |
Cheapest Rates In West Palm Beach For Drivers After A DUI – State Farm
State Farm offers the cheapest rates for drivers after a DUI in West Palm Beach, with average monthly premiums of $236.
Drivers in West Palm Beach with a DUI can find the cheapest rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $262 | $3,144 |
| Direct Auto | $248 | $2,976 |
| GEICO | $254 | $3,048 |
| Progressive | $268 | $3,216 |
| State Farm | $236 | $2,832 |
Best Car Insurance Companies In West Palm Beach
Drivers in West Palm Beach can find the most affordable insurance with State Farm for $211 a month. West Palm Beach drivers might want to also consider GEICO at $218 a month, or Travelers at $227 per month.
Shown below are the top 10 car insurance companies in West Palm Beach, FL, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| Allstate | $247 |
| Direct Auto | $233 |
| Farmers | $239 |
| GEICO | $218 |
| Liberty Mutual | $262 |
| Mercury | $224 |
| Nationwide | $236 |
| Progressive | $229 |
| State Farm | $211 |
| Travelers | $227 |
Average Car Insurance Cost In West Palm Beach
Car accident statistics, weather patterns and other area-specific factors all influence car insurance costs, meaning that what you pay for car insurance in one area will be different to what you pay in another area.
According to our latest research, the average cost of car insurance in West Palm Beach is $221 per month, compared to the Florida state average of $220, and the national average of $172 per month.
| Area | Average Monthly Rate |
| National | $172 |
| Florida | $220 |
| West Palm Beach | $221 |
Average Auto Insurance Rates In West Palm Beach – By Age
Age is a key determinant in car insurance rate calculations. Typically, younger drivers encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. Teenagers can expect to pay around $6,780 per year for car insurance.
As drivers reach 25 years old, their rates usually begin to decrease, assuming they maintain a clean driving record.
The most competitive insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk, which in turn influences the cost of premiums.
| Age | Average Yearly Rate |
| Teenagers | $6,780 |
| 20s | $3,940 |
| 30s | $3,210 |
| 40s | $3,020 |
| 50s | $2,880 |
| 60s | $2,940 |
| 70s | $3,260 |
Average Car Insurance Rates In West Palm Beach – By Vehicle
The type of vehicle you own plays a significant role in determining your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Typically, newer vehicles, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
You can use the table below to find average rates in West Palm Beach for different vehicles.
| Vehicle | Average Monthly Rate |
| BMW X3 | $278 |
| Chevrolet Malibu | $259 |
| Ford Escape | $252 |
| Hyundai Tucson | $247 |
| Jeep Cherokee | $266 |
Find Affordable West Palm Beach Rates
Average Cost Of Auto Insurance In West Palm Beach – By Zip Code
Zip codes help insurers to determine crime rates in your area. Therefore, each zip code has different car insurance rates.
You can use the table below to find average insurance rates for different zip codes in West Palm Beach.
| Zip Code | Average Monthly Rate |
| 33409 | $246 |
| 33401 | $259 |
| 33405 | $238 |
| 33407 | $252 |
| 33417 | $243 |
How Much Is Car Insurance In Other Cities In Florida?
The city in which you live greatly influences your car insurance rates. Insurance companies evaluate numerous factors associated with your location, including the probability of accidents, vehicle theft, and vandalism rates, which are generally higher in urban areas. This heightened risk often results in higher premiums.
For example, drivers in Plantation can expect to pay around $360 per month for car insurance, while residents of Jacksonville pay an average rate of $158 per month.
| City | Average Monthly Rate |
| Miami | $213 |
| Tampa | $207 |
| Pensacola | $215 |
| Fort Myers | $230 |
| Gainesville | $176 |
| Pinellas Park | $223 |
| Hallandale Beach | $200 |
| Plantation | $360 |
| Daytona Beach | $181 |
| Sunrise | $215 |
| Kissimmee | $220 |
| Tallahassee | $205 |
| Jacksonville | $158 |
| Orlando | $168 |
FAQs
Who has the lowest car insurance rates in West Palm Beach?
The lowest car insurance rates in West Palm Beach are offered by Travelers for the minimum coverage required by the State of Florida and Travelers for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in West Palm Beach?
The average cost of car insurance in West Palm Beach is about $221 per month. Rates will vary based on your zip code, year and model of car, driving record, etc.
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in West Palm Beach, FL.
Quotes Analyzed
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