Cheapest and Best Car Insurance in West Palm Beach, FL (July 2024)

In West Palm Beach, the cheapest full coverage and teen driver-friendly options come from Travelers and Nationwide, respectively, differing from GEICO, which provides the most affordable minimum coverage. The best in customer service is Mercury, aligning with its recognition as the best overall for a balance of price and service. The optimal choice for you will depend on your individual preferences and coverage requirements.

MoneyGeek found that GEICO is the West Palm Beach company with the cheapest car insurance for minimum coverage. The top two most affordable options are:

• GEICO: $773 per year
• Travelers: $871 per year

Direct General Insurance has the priciest minimum coverage policy in the area, costing $2,413 annually.

For every city in Florida, including West Palm Beach, minimum required car insurance coverage is set by state law. Below are the essentials to keep your wheels legally on the road:

• $10,000 property damage liability per accident
  
• $10,000 personal injury protection (PIP) per person
  

Now, imagine you're covered with the minimum policy, and you're responsible for an accident. If your policy includes $10,000 in property damage liability, that's the maximum your insurer will pay out for damages you cause to another's vehicle or property. Any costs above this limit will have to come out of your pocket.

MoneyGeek found that Travelers offers the most affordable cheapest full coverage car insurance in West Palm Beach.

• Travelers: $1,835 per year
• GEICO: $2,100 per year

Direct General Insurance has the most expensive full coverage policy at $4,576 annually. The difference between the cheapest and the most expensive is $2,741, highlighting why it's valuable to compare car insurance rates.

A full coverage policy could extend bodily injury liability to $100,000 per individual, accrue $300,000 per accident and incorporate $100,000 in property damage liability for each accident. This type of policy is commonly referred to as 100/300/100.

Full coverage insurance includes both comprehensive and collision insurance.

• Collision Insurance: This is essential as it underwrites the costs of repair to your vehicle in the case of a physical collision, whether it be with another car or an object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: provides coverage for your vehicle against a diverse range of non-accident damage such as theft, vandalism, or natural disasters natural disasters and being struck by an animal like a deer.

Considering the high value and potential depreciation of new vehicles, investing in a full coverage policy is recommended. For those owning older vehicles, the extra cost of full coverage might surpass the benefits it offers. To decide how much car insurance you need, consider what coverage you need and the cost you are willing to pay.

MoneyGeek found that when it comes to finding the cheapest company for drivers with a poor driving record in West Palm Beach, the best option varies based on specific violations.

• Speeding Ticket: Travelers ($2,599 per year)
• At-fault accident: Travelers ($2,720 per year)
• DUI: State Farm ($2,719 per year)

Direct General Insurance consistently shows the most expensive rate at $4,576 for drivers with a speeding ticket and $6,375 after an at-fault accident. Nationwide is the most expensive after a DUI, at $6,351.

In West Palm Beach, as in many cities, insurance rates typically spike with the gravity of a driving infraction due to heightened risk factors. For example, drivers with a DUI may pay an average of $5,416 annually for car insurance, significantly higher than those with a speeding ticket, who face an average annual rate of $4,730.

MoneyGeek found that Nationwide is the cheapest option in West Palm Beach for families needing the cheapest car insurance for teens. Here are the two most affordable providers in the area:

• Nationwide: $4,879 per year for female teens and $5,495 per year for male teens
• GEICO: $6,002 per year for female teens and $6,075 per year for male teens

These annual premiums reflect the cost of a policy combining two parents and a teenager. Progressive offers the most expensive teen family policy, costing $9,314 for female teens, significantly higher than Nationwide's rate.

In West Palm Beach, the disparity in teen car insurance premiums is stark. On average, an individual teen's annual policy costs $13,773, while being added to a family plan would decrease the premium to about $7,388. This difference is attributed to risk pooling, where the risk associated with young drivers is offset by the typically safer, more experienced drivers in a family policy.

MoneyGeek found that Travelers is the cheapest option for full coverage car insurance tailored to those with military backgrounds in West Palm Beach. For veterans and military personnel looking to save on their car insurance, understanding the options available for the cheapest car insurance for military backgrounds is essential.

• Travelers: $1,835 per year
• GEICO: $2,100 per year

While USAA is recognized for offering competitive rates and services specifically for active duty military members, it is not listed in the provided dataset for West Palm Beach. However, it's worth noting that USAA typically offers some of the most affordable insurance rates on a national level and is known for its tailored services to the military community.

Drivers in West Palm Beach can use MoneyGeek’s car insurance calculator to get estimates of rates. You input details such as age, driving history, credit score and desired coverage level alongside a few other specifics to receive instant rate estimates.

Finding the best auto insurance depends on how much you value aspects like service, cost and coverage. MoneyGeek's distinctive scoring system evaluates different categories to help identify the top providers in West Palm Beach that cater to these preferences:

• Best overall: Mercury (MoneyGeek score 82 out of 100)
• Best for service: Mercury (MoneyGeek score 83 out of 100)
• Best cheap: Mercury (MoneyGeek score 86 out of 100)

Mercury emerges as the preeminent choice in the city for overall value, stellar service and affordability, leading in all three categories.

MoneyGeek found that Mercury is the standout option in West Palm Beach, offering the best car insurance with a tailored approach for local drivers.

• Mercury: MoneyGeek score of 82 out of 100 ($2,871 per year)
• State Farm: MoneyGeek score of 80 out of 100 ($2,389 per year)

Mercury has a strong balance of satisfaction and claims performance. These areas significantly influence the high MoneyGeek score.

MoneyGeek found that Mercury is the best option in West Palm Beach, offering top-tier car insurance for customer service. This distinction is based on strong general satisfaction, proficient claims handling and comprehensive coverages.

• Mercury: MoneyGeek score of 83 out of 100 ($2,871 per year)
• State Farm: MoneyGeek score of 75 out of 100 ($2,389 per year)

Mercury has a commitment to quality service across the board, ensuring policyholders receive exceptional support.

MoneyGeek found that Mercury offers the best cheap car insurance in West Palm Beach, with a comprehensive approach that takes into account not just affordability but also claims handling and customer satisfaction.

• Mercury: MoneyGeek score of 86 out of 100 ($1,040 per year)
• Travelers: MoneyGeek score of 82 out of 100 ($871 per year)

Mercury has a strong performance in claims handling, contributing to it being an excellent choice for cost-effective and reliable car insurance.

In West Palm Beach, the average car insurance cost is $2,826. Compared to the Florida state average of $2,392, West Palm Beach inhabitants pay extra for their car insurance policies. Florida itself stands above the national average cost of car insurance, which is $1,781.

Car insurance premiums are calculated based on a variety of factors including driving history, credit score, vehicle make and model, and more, with location being a significant contributor. Gainesville boasts the cheapest car insurance at $1,699, while Hialeah is the most expensive at $3,233.