Cheapest Car Insurance In West Palm Beach, FL

My investigation concludes that State Farm offers the best cheap car insurance in Palm Beach.

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Written by
Bob Phillips

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West Palm Beach, the vibrant city with a unique coastal charm in Florida, often hailed as the “Gateway to the Palm Beaches,” attracts both Northern transplants and seasonal snowbirds seeking beachside retreats. In the heart of “WPB,” a bustling array of cars, trucks, and vehicles fill the streets. Residents looking for a blend of affordability and robust coverage in their car insurance quest have arrived at the right destination.

The average annual auto insurance cost in West Palm Beach hovers around $2,245. While this falls below the state’s average ($2,309), it surpasses the national average of $1,548.

This review is tailored to guide you through the choices, leading you to the most economical option overall (State Farm), the best value for full coverage (Travelers), the most cost-effective minimum coverage (GEICO), alternatives for drivers with infractions (USAA), and ideal coverage for seniors (Progressive).

Cheapest And Best Car Insurance Companies In West Palm Beach, Florida 2023

Best Car Insurance, West Palm Beach 2023

Compare The Cheapest Car Insurance Companies In West Palm Beach, Florida

Overall Rating Best For J.D. Power Rating (Florida) Average Annual Cost AM Best Rating Get A Quote

Cheapest Minimum Coverage




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State Farm

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Full Coverage




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Cheapest For Driving Violations


Increase after violation


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Young Drivers




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Our Methodology

In the quest for the most budget-friendly car insurance rates in West Palm Beach, we've delved into insights from various car insurance review sources. These encompass studies that examined rates derived from publicly available records sourced from Quadrant Information Services. For this evaluation, we've calculated an average from these rates. It's important to note that rates of each company are dynamic, undergoing frequent fluctuations contingent upon individual circumstances.

Additionally, the comprehensive rating takes into account my subjective perspective, formed over fifteen years as a licensed insurance agent, a fourteen-year residency in Florida, and a history spanning over three decades of car insurance procurement.


Quotes Analyzed


Years Of Industry Experience


Brands Reviewed


Research Hours

Cheapest Car Insurance Companies In West Palm Beach, Florida

Cheapest Overall

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

While analyzing the most economical auto insurance in West Palm Beach, Florida, our investigation reveals that State Farm emerges as a strong contender across all aspects. However, their mean cost, encompassing both basic and comprehensive coverage, stands out as the most affordable overall.

State Farm boasts a nearly century-long history of insuring vehicles and boasts the largest number of local offices across the United States. This insurer offers a range of distinctive features and choices that drivers can capitalize on:

Diverse coverage selections: Drivers have the option to secure standard coverage along with added benefits like rental car reimbursement, roadside assistance, travel expense insurance, and rideshare coverage.

Telematics initiative: This program remotely tracks the driving behaviors of policyholders and rewards those who practice safe driving habits with discounted rates. The focus of the program is to minimize costs, particularly for individuals with limited driving experience.

Respected standing in the industry and customer service domain: State Farm garners the highest financial strength ratings (A++ Superior) from AM Best, and excels in J.D. Power’s assessments of insurers conducting operations in Florida.

Benefits & Drawbacks

  • Discount for usage-based insurance
  • Extensive network of local agents nationwide
  • Favorable discount options for teenagers and students
  • Elevated yearly costs for drivers with unfavorable credit

Cheapest Overall Rates In West Palm Beach

Company Rate Per Year
State Farm $1,840
GEICO $1,963
Direct General $2,077
MetLife $2,112
Progressive $3,210

Cheapest For Full Coverage

Overall Rating

Key Statistics

10/10 Affordability
7/10 Customer Reviews
8/10 Claims/Payouts
8/10 Coverage Level

Why We Like Them

In the realm of full coverage costs in West Palm Beach, Travelers emerges as the most budget-friendly option. Full coverage entails:

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

Travelers holds a prominent position within the insurance sector. It ranks among the largest auto insurance providers in the United States, appealing to those seeking the guidance of an independent agent and the convenience of consolidated products from a single insurer.

Travelers’ distinctiveness comes to light in a couple of aspects. Firstly, Travelers offers gap insurance, safeguarding your auto lease or loan in case your vehicle is declared a total loss before completion of payment or lease term. Travelers bridges the gap between your loan’s outstanding balance and your car’s value at the time of loss.

Secondly, Travelers’ Responsible Driver Plan grants leniency for one accident and one minor violation within a specific timeframe. This ensures that your rates remain unaffected following a ticket or accident.

Benefits & Drawbacks

  • Affordable rates for comprehensive coverage
  • Abundance of available coverage options
  • One of the leading insurance providers in the United States
  • Customer satisfaction ratings fall below average
  • Absence of rideshare insurance coverage in Florida

Cheapest Full Coverage In West Palm Beach

Company Rate Per Year
Travelers $2,208
State Farm $2,568
Progressive $2,862
Liberty Mutual $3,012
Bristol West $3,770

Cheapest For Driving Violations

Overall Rating

Key Statistics

10/10 Affordability
10/10 Customer Reviews
9/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

In situations where you’ve been pulled over and ticketed, you’re likely familiar with the subsequent rise in your auto insurance rates, especially if you’re a younger driver. Additionally, the gravity of the offense (reckless driving, DUI, DWI, etc.) often correlates with a more substantial rate increase.

USAA stands out as the most lenient when it comes to rate hikes following instances such as receiving a speeding ticket, being in an at-fault accident, or facing charges of driving under the influence (DUI). While drivers with prior violations might witness a rate uptick with USAA, it’s notably less pronounced compared to other auto insurers.

USAA delivers customary liability coverage, as well as comprehensive and collision insurance, akin to its counterparts. The company extends some of the commonly sought-after supplemental auto insurance coverages: emergency roadside assistance, rental car and travel reimbursement, and accident forgiveness.

It’s important to note, however, that USAA exclusively caters to active military personnel, veterans, and their families.

Benefits & Drawbacks

  • Achieves the highest J.D. Power rating for customer satisfaction
  • Functions as a comprehensive destination for insurance, investing, and banking products
  • Exclusive provision of insurance solely to veterans, active military personnel, and their family members

Cheapest For Rate Increase After A Driving Violation

Company Annual Increase
USAA $858
State Farm $1,536
Allstate $1,910
GEICO $1,997
MetLife $2,112

Cheapest For Minimum Coverage

Company Rate Per Year
GEICO $437
State Farm $708
Travelers $797
Farmers $1,019
Mercury $1,097

Cheapest For Seniors

Overall Rating

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

Among all age groups, senior drivers in West Palm Beach typically enjoy some of the most economical car insurance rates. Notably, we’ve identified Progressive as the provider offering the most affordable rates for seniors.

Progressive stands as the nation’s third-largest auto insurance company and presents an extensive array of discounts alongside a diverse spectrum of coverage options. This encompasses unique offerings like rideshare insurance and coverage for pets injured in car accidents. Moreover, Progressive extends coverage types that are less common among other insurers, such as gap and rideshare insurance.

Long-term policyholders find a sense of loyalty from Progressive. Those who’ve maintained their association with Progressive for five years or longer, without any accidents, are shielded from premium hikes when filing larger claims. Customers also have the option to secure accident forgiveness insurance and the ability to have multiple accidents forgiven.

Benefits & Drawbacks

  • Ranks as the third-largest provider of personal auto insurance in the United States
  • Offers assistance in covering veterinary expenses if your pet is injured in a car accident
  • Provides the option for rideshare coverage
  • Receives below-average customer satisfaction ratings according to J.D. Power
  • Accessible through a restricted count of agents

Cheapest Coverage For Seniors

Company Rate Per Year
Progressive $2,066
Travelers $2,270
Mercury $2,313
Safeco $2,476
Liberty Mutual $3,317

Cheapest For Young Drivers

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

Car insurance costs tend to be highest for young drivers in West Palm Beach due to their limited experience on the road and the increased likelihood of being involved in accidents.

Unquestionably, among the options available, GEICO stands out for extending the most budget-friendly rates in West Palm Beach for young drivers, boasting an average premium of $3,451. While this does represent the most economical choice for teenagers and those in their early twenties, it may still present challenges in terms of affordability.

Thankfully, GEICO demonstrates considerable generosity in its discount offerings. Young drivers have the opportunity to qualify for various discounts, including a good student discount that can slash up to 15% from their rates. Furthermore, a safe-driver discount of up to 22% is up for grabs for those who maintain an accident-free record, and a new car discount caters to those with vehicles three model years old or newer.

Young drivers who’ve completed a driver’s education course or a defensive driving program can also tap into additional discounts.

Benefits & Drawbacks

  • Offers elevated policy limits
  • Features a well-regarded mobile app
  • Boasts an A+ rating from the Better Business Bureau (BBB)
  • Does not provide gap insurance
  • Operates with a restricted count of local agents

Cheapest For Young Drivers

Company Rate Per Year
GEICO $3,451
Direct General $3,863
State Farm $3,924
MetLife $5,233
Progressive $8,582

Average Cost Of Car Insurance In West Palm Beach

Average Cost In West Palm Beach– By Age

Age Group Average Yearly Rate
Teenagers $6,483
20s $2,971
30s $2,263
40s $2,191
50s $2,047
60s $2,073
70s $2,540

Average Cost In West Palm Beach – By Gender

Gender Average Annual Rate
Male $2,268
Female $2,292

Average Cost In West Palm Beach – By Marital Status

Marital Status Average Annual Rate
Single $2,171
Married $2,171
Divorced $2,249
Widowed $2,188

Average Cost In West Palm Beach – By Accident And Violation History

Violation Average Annual Premium
DWI/DUI $3,289
Reckless Driving $3,360
At-Fault Accident (damage <$1,000) $3,081
At-Fault Accident (damage >$2,000) $3,081
Speeding (16-20 MPH > limit) $2,811

Average Cost In West Palm Beach – By Credit Tier

Very poor: $4,406
Fair: $2,785
Good: $2,266
Very good: $2,080
Exceptional: $1,858

Average Cost In West Palm Beach – By Zip Code

ZIP Code Average Rate
32099 $2,272
32202 $2,341
32204 $2,363
32205 $2,418
32206 $2,462
32207 $2,502

Minimum Car Insurance Requirements In Florida

While in the process of selecting car insurance, it’s crucial to consider the mandatory minimum coverage set by Florida:

  • Property damage liability per accident: $10,000
  • Personal injury protection: $10,000

These figures outline the least coverage required in Florida. Depending on your vehicle and your driving frequency, you might contemplate higher limits and the inclusion of collision and comprehensive insurance.

How To Buy Car Insurance In West Palm Beach

If you’re in the process of purchasing car insurance in West Palm Beach, adhere to these five steps to ensure a smooth and uncomplicated buying journey:

  1. Assess your insurance requirements: Begin by determining the type of car insurance you require. Decide whether minimum coverage, full coverage, or a middle ground suits your needs. Take into consideration factors like your vehicle’s value and your annual driving mileage.
  2. Gather essential information: Ensure you have your personal and vehicle information readily available. This includes your driver’s license number, social security number, Vehicle Identification Number (VIN), and the current mileage on your vehicle.
  3. Obtain quotes from a minimum of three companies: It’s important to collect quotes from at least three different companies. Ensure that you’re comparing quotes with similar coverage amounts and limits for an accurate assessment.
  4. Make an informed decision and purchase your policy: While price is a significant factor, base your decision not solely on cost. The most suitable carrier for you might not necessarily be the cheapest option.
  5. Manage your old policy’s cancellation: Don’t forget to cancel your previous policy. It’s your responsibility to cancel it; your new insurance provider cannot do this for you. However, ensure you don’t cancel your old policy until you are certain that your new coverage is officially active.

Factors That Impact The Cost Of Your Car Insurance Policy In West Palm Beach

When calculating your auto insurance costs in West Palm Beach, insurance companies consider a range of factors, including:

State Requirements: Your policy must meet Florida’s minimum coverage standards, requiring at least $10,000 in damage liability and $10,000 in personal injury protection (PIP).

Age: Inexperienced younger drivers face higher costs due to increased accident risk. Rates generally decrease after turning 25.

Car Make and Model: Vehicle safety impacts rates; safer models, like a late-model Toyota Corolla, cost less to insure than a Chevrolet Corvette.

Driving Record: Previous accidents and violations lead to notable rate hikes due to higher future claim probability.

Annual Mileage: Lengthy commutes result in higher costs compared to infrequent driving.

Credit History: A higher credit score leads to lower rates; insurers find higher scores correlate with fewer claims.

Zip Code: Your work and parking location affect rates; areas prone to vandalism or damage might lead to adjustments.

Marital Status: Married drivers often enjoy lower rates compared to singles.

Gender: Men around age 45 pay 6% less than same-age females. The gender gap evens out for drivers in their 30s.

Florida Car Insurance Laws To Know

In Florida, drivers must possess at least $10,000 in property liability insurance and $10,000 in personal injury protection (PIP) coverage.

Florida operates as a no-fault state. Under no-fault insurance, insurers are obligated to handle medical expenses, irrespective of fault, in case of an accident.

In The News

As highlighted by the Dallas Morning News, individuals across Florida are currently grappling with financial challenges stemming from widespread higher costs, marked by the most substantial inflation observed in four decades. Alongside this, they’re also contending with the most notable annual surge in auto insurance rates over a span of at least two decades.

In the year 2022, average auto insurance rates in Florida surged by a staggering 23.8%, a figure that stands eight times higher than the increase witnessed in 2021. This rate hike is the most pronounced annual escalation seen in a span of at least 20 years, as reported by the Florida Department of Insurance. Furthermore, homeowners insurance rates in Florida recorded an average uptick of 10.8% in the past year, marking the most substantial annual rise since 2012.

Information About West Palm Beach

West Palm Beach distinguishes itself through its thriving population, strong economy, diverse cultural scene, recreational opportunities, and abundant natural resources, positioning it as one of the dynamic cities in the nation. Covering an area of approximately 58.2 square miles, West Palm Beach holds its place as a significant city in Florida.

The city offers several tax advantages, including exemptions from corporate franchise tax, state personal tax, inventory tax, and foreign income tax. A variety of universities and the presence of three naval bases in the vicinity contribute to a diverse and highly skilled workforce

Car Insurance Discounts In West Palm Beach

Auto insurance rates in West Palm Beach prove more budget-friendly compared to certain other prominent Florida cities, such as Tampa and Miami. However, to effectively lower expenses, it’s vital to explore potential discounts. The prevailing discounts you can avail include:

  • Having a good driving history
  • Installing vehicle safety features
  • Customer loyalty
  • Being claims-free
  • Driving fewer than average miles
  • Being a student with at least a “B” average
  • Military discount
  • Senior discount


What is the cheapest car insurance in the State of Florida?  

For those seeking the most affordable car insurance in Florida, GEICO emerges as the top choice, offering coverage for minimum liability at a yearly cost of $437.

How much does car insurance cost in West Palm Beach on average?  

On average, the annual expense for full coverage car insurance in West Palm Beach amounts to $2,562. Meanwhile, opting for minimum coverage carries an average cost of $1,121 annually in the same area.

Do I need car insurance in West Palm Beach?  

Florida law mandates auto liability insurance, a requirement applicable to drivers in West Palm Beach.

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