Travelers offers the cheapest car insurance in West Palm Beach, with average annual rates of $858 for minimum coverage and $1,883 for full coverage. Metropolitan Group, State Farm and Mercury also provide affordable coverage options in the city.
Car Insurance in West Palm Beach
Updated: August 12, 2025
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Key Takeaways
The cheapest car insurance companies in West Palm Beach are Travelers, Metropolitan Group and State Farm, with rates up to 55% lower than the city average.
In West Palm Beach, monthly car insurance costs average $359 for full coverage and $149 for minimum coverage.
You'll find the best cheap auto insurance in West Palm Beach by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in West Palm Beach?
| Travelers | $71 | $157 | -55% |
| Metropolitan Group | $93 | $231 | -36% |
| State Farm | $117 | $240 | -30% |
| Nationwide | $119 | $253 | -27% |
| Mercury | $115 | $275 | -23% |
Cheapest West Palm Beach Car Insurance by Category
Travelers leads car insurance affordability in West Palm Beach, ranking cheapest across all nine driver categories MoneyGeek analyzed.
| Young Drivers | Travelers | $156 |
| Adult Drivers | Travelers | $71 |
| Senior Drivers | Travelers | $96 |
| Drivers With an Accident | Travelers | $97 |
| Drivers With a DUI | Travelers | $108 |
| Drivers With a Speeding Ticket | Travelers | $91 |
| Drivers With Bad Credit | Travelers | $126 |
| Drivers With Newer Cars | Travelers | $49 |
| Drivers With Old Cars | Travelers | $61 |
Compare the Cheapest West Palm Beach Car Insurance for You
Your car insurance rates depend on personal factors like age, driving record and credit score. Find your driver profile below to see which companies offer the lowest rates for your situation.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Travelers | $71 | $858 | -51% |
| Metropolitan Group | $93 | $1,117 | -37% |
| Geico | $107 | $1,282 | -27% |
| AIG | $111 | $1,337 | -24% |
| Mercury Insurance | $115 | $1,374 | -22% |
Best Car Insurance Companies in West Palm Beach
The top car insurance companies in West Palm Beach are Travelers, Nationwide, State Farm and Mercury. These providers stand out for their competitive rates, quality customer service and comprehensive coverage options.
| Travelers | 98 | 1 | 1 | 4 |
| Nationwide | 89 | 4 | 6 | 4 |
| State Farm | 89 | 3 | 3 | 7 |
| Mercury | 89 | 5 | 4 | 5 |
| Metropolitan Group | 86 | 2 | 10 | 8 |
Travelers: Best Overall Value
pros
Lowest rates across all driver categories
Outstanding customer service ratings
Strong coverage options available
cons
Limited add-on coverage selection
COMPANY HIGHLIGHTS
Travelers ranks first in West Palm Beach with top scores in both affordability and customer experience. The company charges the lowest rates for all driver types, from new drivers to those with accidents. Customers report smooth claims processing and helpful support from local agents. While coverage options are solid, some competitors offer more add-on choices.
Nationwide: Best for Well-Rounded Coverage
pros
Competitive rates for most drivers
Strong customer satisfaction scores
Extensive coverage options
cons
Higher rates for high-risk drivers
COMPANY HIGHLIGHTS
Nationwide earns second place by delivering consistent performance across all rating categories. The company maintains competitive rates while offering comprehensive coverage options. Customer feedback shows satisfaction with both claims handling and policy service. Though rates increase more significantly for drivers with violations, most customers find Nationwide's premiums reasonable.
How Much Is Car Insurance in West Palm Beach?
In West Palm Beach, minimum coverage costs about $149 per month or $1,791 per year, ranking 616th out of all Florida cities for affordability. Full coverage averages $359 monthly or $4,307 annually, ranking 612th among Florida cities.
| Full Coverage | $359 | $4,307 |
| Minimum Coverage | $149 | $1,791 |
West Palm Beach Car Insurance Cost by Category
In West Palm Beach, monthly car insurance costs vary from $110 to $843 depending on driver category. Check the table below for your rates.
| Young Drivers | $336 | $843 |
| Adult Drivers | $149 | $359 |
| Senior Drivers | $190 | $464 |
| Drivers With an Accident | $209 | $506 |
| Drivers With a DUI | $202 | $471 |
| Drivers With a Speeding Ticket | $177 | $437 |
| Drivers With Bad Credit | $198 | $405 |
| Drivers With Newer Cars | $118 | $280 |
| Drivers With Old Cars | $110 | $258 |
West Palm Beach Car Insurance Costs by ZIP Code
In West Palm Beach, car insurance rates by ZIP code range from $131 to $473 per month. ZIP code 33405 is the most expensive, while 33406 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:33405
| 33405 | $192 | $473 |
Compare Personalized West Palm Beach Car Insurance Costs
Find rates that match your exact profile by filtering the table below based on your age, driving record and other key factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $126 | $1,516 | 61% |
How to Get the Best Cheap West Palm Beach Car Insurance
Finding affordable car insurance in West Palm Beach can feel overwhelming, with local rates higher than many other Florida cities. Our step-by-step guide shows you how to cut through confusing coverage options and get the cheapest rates while maintaining good protection.
- 1
Know your coverage requirements
Start by understanding exactly what coverage you need. Use our car insurance coverage needs calculator to determine appropriate coverage levels based on your vehicle's value and personal assets. Consider West Palm Beach's higher accident rates when choosing coverage limits.
- 2
Explore different insurance types
Familiarize yourself with various types of car insurance options. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance for occasional driving.
- 3
Check local rate benchmarks
Research average vehicle insurance costs in West Palm Beach to set realistic expectations. Knowing typical rates helps you identify truly competitive quotes and avoid overpaying for coverage.
- 4
Stack available discounts
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles.
- 5
Research insurance company ratings
Check each insurer's financial strength and customer satisfaction ratings. Focus on companies with strong records in Florida, particularly for hurricane claims handling and customer service response times.
- 6
Get quotes from multiple insurers
Collect quotes from at least three different insurance providers. Use a mix of local agents, online tools and direct carrier websites to ensure you're seeing the full range of available rates.
- 7
Review coverage annually
Set a yearly reminder to review your policy and shop for new quotes. Insurance needs change as your car ages and your life circumstances shift, so regular reviews help maintain optimal coverage at the best price.
Cheapest Car Insurance in West Palm Beach: Bottom Line
Car insurance rates in West Palm Beach depend on your driving record, credit score and coverage needs. Travelers and Metropolitan Group offer the most affordable average premiums in the area, but compare quotes from multiple insurers to find your best rate.
Cheap West Palm Beach Car Insurance: FAQ
Looking for cheap car insurance in West Palm Beach? Our research team breaks down coverage options and rates to help you find affordable protection that fits your needs. Get straightforward answers to your insurance questions below.
What is the cheapest car insurance company in West Palm Beach, Florida?
Travelers offers the lowest rates in West Palm Beach, with average annual premiums of $858 for minimum coverage and $1,883 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in West Palm Beach?
Travelers leads West Palm Beach insurers with a MoneyGeek score of 98 out of 100, scoring eight points higher than Nationwide. Travelers excels in both affordable rates and quality customer service.
What is the average cost of car insurance in West Palm Beach?
In West Palm Beach, drivers pay $4,307 for full coverage and $1,791 for minimum coverage car insurance annually. Actual rates vary based on individual factors.
Is car insurance in West Palm Beach expensive?
Car insurance in West Palm Beach is more expensive than average, ranking 616th for minimum coverage affordability and 612th for full coverage compared to other Florida cities.
How We Chose the Best and Cheapest Car Insurance in West Palm Beach, FL
To help West Palm Beach drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Florida Office of Insurance Regulation and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Florida to tailor options as closely as possible to you.
West Palm Beach Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in West Palm Beach
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Florida are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.