Car Insurance in West Palm Beach

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.

Travelers leads car insurance affordability in West Palm Beach, ranking cheapest across all nine driver categories MoneyGeek analyzed.

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.

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.

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.

In West Palm Beach, monthly car insurance costs vary from $110 to $843 depending on driver category. Check the table below for your rates.

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.

Find rates that match your exact profile by filtering the table below based on your age, driving record and other key factors.

Finding affordable car insurance in West Palm Beach can feel overwhelming, with local rates higher than many other Florida cities.

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.

We collected rate data from the Florida Office of Insurance Regulation and Quadrant Information Services, analyzing hundreds of thousands of quotes from 12 companies across every ZIP code in West Palm Beach. This ensures our data reflects what you'll actually pay based on your neighborhood's accident frequency, theft rates, and local repair costs.

Our baseline driver profile:

We started with a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit and no claims history. This driver logs 12,000 miles annually and maintains continuous coverage with a valid license. We adjusted age, driving record, credit score and military status to reflect different driver situations.

Coverage levels we compared:

Florida requires minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage. These minimums meet legal requirements but leave you financially exposed where medical costs and vehicle values are high.

For full coverage comparison, we used $100,000/$300,000/$100,000 liability limits plus comprehensive and collision with $1,000 deductibles. Full coverage offers better financial protection after accidents or vehicle damage.

How we scored each provider:

We evaluated insurers across three weighted categories:

• Affordability (60%): Quotes for common driver profiles compared to local competition
• Customer Experience (30%): Reviews from Google, J.D. Power, AM Best and Reddit discussions about claims handling
• Coverage Options (10%): Available policy features, unique offerings, and included benefits

West Palm Beach's tourist traffic, high uninsured motorist rates and hurricane risk make comprehensive coverage and adequate liability limits critical. Our methodology identifies which companies price your specific risk profile competitively and provide reliable claims service when you need it.