Cheapest Car Insurance in West Palm Beach, FL (2025)

West Palm Beach drivers pay an average of $1,788 per year for minimum coverage and $4,308 per year for full coverage. The city has some of Florida's highest rates due to elevated crime and theft rates, dense population and heavy traffic conditions.

• Cheapest minimum liability coverage: Travelers offers West Palm Beach's most affordable minimum coverage at $858 per year ($72 monthly). That's 52% lower than the city average of $1,788, saving you $930 annually. Metropolitan Group provides the second-lowest minimum coverage at $1,117 per year ($93 monthly), a 37% savings compared to the city average.
• Cheapest full coverage: Travelers delivers the most affordable full coverage at $1,883 per year ($157 monthly), 56% below the city average of $4,308. That's $2,425 in annual savings. Metropolitan Group's full coverage costs $2,769 per year ($231 monthly), which is still 35% below the city average but $886 more than Travelers' annual coverage.

Young drivers in West Palm Beach have the steepest car insurance costs, while adults and seniors enjoy more affordable options. Here are the most affordable car insurance providers in West Palm Beach by age group:

• Adults: Travelers and Metropolitan Group offer the best value
• Seniors: Travelers and GEICO provide the lowest premiums
• Young drivers: Travelers and Metropolitan Group deliver the most competitive rates

Young drivers under 25 can reduce their GEICO premiums by up to 15% through the Good Student Discount by maintaining a B average or higher. Senior drivers aged 50 and older benefit from Travelers' Intellidrive program.

Car insurance is more expensive if you have driving violations. Here are your cheapest car insurance options in West Palm Beach by violation type:

• Accident: Travelers at $96 and Metropolitan Group at $129 monthly
• Ticket: Travelers at $91 and Metropolitan Group at $93 monthly
• DUI: Travelers at $107 and State Farm at $126 monthly

Minor violations stay on your record for three years in Florida.

West Palm Beach drivers have different insurance costs depending on their neighborhood. ZIP code 33405 has the highest rates at $473 monthly for full coverage, while residents in 33406 pay the least at $310 monthly. Check the table below to find exact rates for your specific ZIP code.

Travelers is top in West Palm Beach for car insurance with a 97 out of 100 MoneyGeek score. Nationwide follows with 89 out of 100. We evaluated factors, including agent network ratings, complaint data from the National Association of Insurance Commissioners, J.D. Power studies and customer reviews, to assess how well insurers handle claims and support policyholders.

Travelers offers the most competitive rates in the area. The company leads in customer experience through superior claims handling and policyholder support.

Nationwide provides solid coverage options, including specialty coverages and add-ons. Both insurers maintain strong financial stability ratings.

See below for why each insurer is best and which fits your needs.

West Palm Beach drivers have steep car insurance costs compared to other Florida cities. Shop around, get better rates and select the right coverage for your needs:

Our insurance experts answer common questions about finding affordable car insurance.

West Palm Beach drivers pay some of Florida's highest car insurance rates. We built this analysis to help you find reliable coverage without overpaying for your specific situation.

We analyzed hundreds of thousands of quotes from major insurers using data from the Florida Office of Insurance Regulation and Quadrant Information Services. 

Our research covered all West Palm Beach ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. This approach reveals which insurers offer competitive rates for drivers like you, not just average citywide prices.

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Florida's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hurricane damage claims or handling theft reports in high-risk neighborhoods.

Coverage options (10%): More choices mean better odds of matching coverage to West Palm Beach risks like flood damage, uninsured motorists and theft in high-crime areas.