Compare the Cheapest Car Insurance Quotes in West Palm Beach

The average yearly auto insurance rate in West Palm Beach is $2,667, which is higher than the state average of $2,208. GEICO offers the cheapest widely available insurance at an average of $1,611 per year. To compare prices from multiple carriers, use MoneyGeek's data on various driving profiles and coverage levels. In addition, we evaluated the best car insurance companies in West Palm Beach based on affordability and quality.

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Last Updated: 5/16/2022
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Your cheapest option may not be GEICO, however. The most affordable policy will depend on your driving record and coverage levels. According to our analysis, the cheapest widely available companies for state minimum insurance and those with traffic tickets, on average, are:

  • Cheapest For State Minimum Policy: GEICO at $721 per year
  • Cheapest For Ticketed Drivers: State Farm at $2,312 per year

Military families may find further cheaper rates from USAA. MoneyGeek also compared prices and customer service to determine that Esurance delivers the best overall car insurance in West Palm Beach.

iconribbonbestauto insuranceWest Palm Beach2022

The Cheapest and Best Car Insurance in West Palm Beach

The Cheapest Car Insurance Companies in West Palm Beach

The cheapest, most widely available full-coverage insurance policies are offered by the following companies in West Palm Beach, on average:

  • GEICO: $1,611 per year
  • State Farm: $2,143 per year

USAA is the most affordable insurance provider for military members and their families. We opted to not include the company in our rankings because its policies are not available to all customers.

A policy with Progressive, the city's most expensive insurer, costs twice as much as a plan with GEICO, the most expensive car insurance company in West Palm Beach. A full-coverage policy includes comprehensive and collision coverage, in addition to the liability coverage required by state law. Your premiums, however, may vary depending on the level of liability coverage you select.

Cheapest Car Insurance in West Palm Beach
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $1,021
  • 2.
    GEICO
    $1,611
  • 3.
    State Farm
    $2,143
  • 4.
    MetLife
    $2,410
  • 5.
    Allstate
    $2,583
  • 6.
    Travelers
    $2,722
  • 7.
    Allied
    $2,781
  • 8.
    Mercury
    $3,485
  • 9.
    Progressive
    $3,598

MoneyGeek's methodology uses a sample 40-year-old male driver seeking a full-coverage insurance policy to calculate average insurance premiums.

Full coverage also includes the following two types of insurance, and as a result, will be more expensive:

  • Comprehensive Coverage: Covers damages related to causes other than a collision, like weather, theft and vandalism.
  • Collision Coverage: Pays for damages caused by a collision with another vehicle or an item.

It is recommended that drivers of older vehicles purchase only the state's bare minimum liability insurance because comprehensive insurance may be more expensive than the car's value.

Compare Car Insurance Rates in West Palm Beach

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in West Palm Beach for Minimum Coverage

There's a good chance that the cheapest car insurance in West Palm Beach only provides the lowest level of protection. Consider the following companies for the most affordable state minimum liability insurance in the city, on average:

  • GEICO: $721 per year
  • Allstate: $1,059 per year

Policies with minimum coverage are the least expensive, due to their absence of comprehensive and collision coverage. However, you should buy full-coverage insurance to receive complete protection in the event of an accident.

Compared to GEICO's yearly rate, Progressive's average quote is $1,180 more expensive, at $1,901. Only military personnel and their families qualify for USAA's policy at $452, which is the city's cheapest state minimum insurance.

Cheapest Minimum Liability Car Insurance in West Palm Beach
State Minimum

Florida drivers must carry a minimum of $10,000 in personal injury protection (PIP) and property damage liability insurance. Note that a state minimum insurance policy will only offer you the lowest amount of protection, which explains its lower rates. You could end up paying a lot of money out of your own pocket if you get into an accident without enough insurance coverage.

If you're injured in an accident and your medical bills total $15,000, your state minimum insurance will only cover $10,000, leaving you to pay the remaining $5,000 yourself. Consider buying a full-coverage insurance policy to avoid this situation.

Florida Minimum Liability Requirements

  • Item
    Description
  • Property Damage
    $10,000 for property damage. A more protective level is 100/300/100.
  • Personal Injury Protection
    $10,000 per person.

Cheapest Car Insurance in West Palm Beach if You Have Driving Violations

If you have a traffic ticket for speeding, engage in an accident with another vehicle or receive a DUI, your car insurance quotes in West Palm Beach may increase significantly. According to the most common traffic offenses in the city, the following insurance options are the most affordable and widely available, on average:

  • Cheapest After A Ticket: State Farm, $2,312 per year
  • Cheapest After An At-Fault Accident: GEICO, $2,250 per year
  • Cheapest After A DUI: State Farm, $2,312 per year

USAA has the lowest premiums for all of the above infractions. However, it only sells insurance to veterans, active serving military, and their families.

By maintaining a clean driving record, you can receive lower insurance premiums in the future, regardless of your past traffic offenses. During this time period, you can compare auto insurance quotes from multiple companies to determine which one offers the best cheap car insurance for people with bad driving records.

Cheapest Car Insurance in West Palm Beach With a Violation
Speeding Ticket

Average Cost of Car Insurance in West Palm Beach

West Palm Beach$2,667
Florida$2,208
U.S.$1,424

West Palm Beach's average annual car insurance rate is $2,667, which is higher than state and national averages. Drivers in West Palm Beach pay around 20.8% more than the average of drivers in the rest of the state and 87.3% more than the nationwide average.

Personalized Quotes to Get You the Cheapest Car Insurance in West Palm Beach

Several factors influence average car insurance premiums in West Palm Beach, including the driver's age and gender, the make and model of their vehicle, and the ZIP code. For example, an 18-year-old driver's insurance prices are often higher than those of a 40-year-old driver. To receive the best rate, you must compare insurance quotes from various firms on a regular basis.

Compare Car Insurance Rates in West Palm Beach

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in West Palm Beach

You can use MoneyGeek's list of the best insurers in West Palm Beach to help you find a company that balances customer service and affordability. We have identified the following insurers as the city’s best car insurance providers, based on our research:

  • Esurance: MoneyGeek score of 95 out of 100
  • GEICO: MoneyGeek score of 85 out of 100

Note that USAA is the best insurer in West Palm Beach and it outscored all of its competitors. However, because its policies are only available to current and former military members, we did not include it in our rankings.

MoneyGeek rated the top insurance companies based on several variables, including their financial strength, customer satisfaction and affordability. We used reports from J. D. Power, a data analytics and consumer intelligence organization, as a primary source for this study.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Esurance
Score:95

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Travelers
Score:85

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

5
MetLife
Score:82.5

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

6
Hartford
Score:82.5

2/5

Affordability

5/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Liberty Mutual
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Auto-Owners Insurance Co
Score:80

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

9
State Farm
Score:77.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A-

Financial Stability

10
Nationwide
Score:77.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Progressive
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Safeco
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

Your location in West Palm Beach may significantly affect your state's auto insurance prices. Various factors, including high vehicle theft, accidents and natural catastrophe rates in a location can contribute to increased car insurance premiums. Accordingly, residents of the 33411 ZIP code pay around $64 less in yearly car insurance in West Palm Beach than residents of the 33415 ZIP code.

  • Zip Code
    State Minimumper year
  • 33411
    $2,635
  • 33415
    $2,699

Factors That Impact Insurance Costs in West Palm Beach

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in West Palm Beach. How West Palm Beach ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities10th/300
handcuffs2 icon
Most Car Thefts75th/300
uninsured icon
Most Uninsured Motorists by State1st/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall3rd/300
umbrella icon
Most Rainy Days30th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for West Palm Beach are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.