The cheapest company for you will depend on your driver profile and needs. GEICO is the cheapest option for minimum and full coverage policies and offers the lowest rates for drivers with a military background. Nationwide offers the least expensive rates for teen drivers, while State Farm is the cheapest option for drivers with offenses. Travelers is the best option if you prioritize service quality over cost.
Cheapest and Best Car Insurance in West Palm Beach, FL








Cheapest Minimum Liability Car Insurance in West Palm Beach
The cheapest car insurance companies for a minimum coverage policy in West Palm Beach are:
- GEICO: $585 per year
- Travelers: $887 per year
Direct General Insurance has the most expensive rates for minimum coverage at $2,118 per year.
Rates tend to vary based on location, so although GEICO is the cheapest option in West Palm Beach, it is not generally the cheapest in Florida. State Farm offers the cheapest car insurance in Florida at $507 per year, $59 cheaper than GEICO’s average Florida rates.
A minimum coverage policy in West Palm Beach must have the following limits required by Florida law:
- $10,000 property damage liability per accident
- $10,000 personal injury protection
If you opt for minimum liability coverage in West Palm Beach, your policy will cover you if you cause property damage caused to a third party up to a maximum of $10,000. You are responsible for paying damages above this limit. Your policy will also pay up to $10,000 for your injuries but does not cover injuries to others.
Cheapest Full Coverage Car Insurance in West Palm Beach
The cheapest car insurance companies in West Palm Beach for a full coverage policy are:
- GEICO: $1,588 per year
- State Farm: $1,764 per year
Direct General Insurance is the most expensive provider for a full coverage policy at $3,753 per year.
State Farm offers the cheapest full coverage car insurance in Florida at $1,058 per year. Although GEICO is the cheapest option in West Palm Beach, it costs $346 more than State Farm’s average Florida rate. This price difference illustrates how location can affect rates, so the cheapest company may vary based on where you live.
A full coverage policy provides comprehensive and collision insurance in addition to liability coverage.
- Collision Insurance: Covers damage to your vehicle caused by on-road incidents like a collision with another car.
- Comprehensive Insurance: Covers damage to your vehicle caused by non-collision incidents such as theft or weather-related damage.
A full coverage policy may not be worth the cost if you have an older car with a low value. In such cases, the policy can end up costing more than the car is worth.
Cheapest Car Insurance in West Palm Beach After a Driving Offense
The cheapest car insurance companies in West Palm Beach after an offense are:
- Speeding ticket: State Farm ($2,005 per year)
- At-fault accident: State Farm ($2,188 per year)
- DUI: State Farm ($2,005 per year)
The most expensive companies for driving offenses in West Palm Beach are Direct General Insurance at $3,753 per year after a speeding ticket and $5,270 per year after an at-fault accident, and Nationwide at $4,611 per year after a DUI.
A poor driving record has a significant impact on rates. Even the cheapest rates will be higher for drivers with poor records than those with clean records.
In most cases, car insurance costs increase based on the severity of the traffic offense. In West Palm Beach, you will pay up to $1,034 more for car insurance if you have a DUI, while you’ll pay $627 more after a speeding ticket. You can find cheap car insurance for a bad driving record by comparing quotes from different providers.
Cheapest Car Insurance in West Palm Beach for Teens and Their Families
The cheapest car insurance companies in West Palm Beach for teens on a family policy are:
- 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
Progressive is the least affordable company for teens at $9,314 per year for female teens and $9,169 per year for male teens. Nationwide's rates for male teens are $647 higher than those for female teens because male teens are considered riskier to insure. However, the gender price difference evens out by early adulthood.
If you are looking for the cheapest car insurance for teens, adding them to a family policy is significantly cheaper than purchasing separate coverage. In West Palm Beach, an individual car insurance policy for a teen costs an average of $9,389 per year. That’s $4,940 more than the cost of adding the same teen to a family policy.
Cheapest Car Insurance in West Palm Beach for Military Drivers
The cheapest car insurance companies in West Palm Beach for veterans and active-duty military families are:
- GEICO: $1,588 per year
- State Farm: $1,764 per year
For a minimum coverage policy, GEICO and Travelers offer the cheapest rates at $585 per year and $887 per year, respectively. USAA is also a good option for cheap military car insurance since its services are specifically tailored to drivers with a military background.
How to Compare Cheap West Palm Beach Car Insurance Quotes Online
Car insurance quotes in West Palm Beach are available online, but the process can take 15 minutes or longer and requires you to input a lot of personal information. Instead, you can use MoneyGeek’s car insurance calculator to get a quick estimate based on just your age, driving history, coverage level and vehicle type.
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Best Car Insurance in West Palm Beach: Summary
The best auto insurance company in West Palm Beach for you may vary based on how you prioritize cost, customer service and other factors.
MoneyGeek found the best car insurance companies in the city are:
- Best overall: GEICO (MoneyGeek score 75 out of 100)
- Best for service: Travelers (MoneyGeek score 60 out of 100)
- Best cheap: GEICO (MoneyGeek score 78 out of 100)
A provider’s Moneygeek score can vary because factors are weighted differently for some categories.
Although GEICO is the best provider in West Palm Beach, State Farm ranks as the best car insurance in Florida with a Moneygeek score of 76 out of 100. Rates vary based on location, which impacts affordability scores, so the best provider can differ depending on where you live.
Best Overall Car Insurance in West Palm Beach
The best car insurance companies in West Palm Beach are:
- GEICO: MoneyGeek score 75 out of 100 ($1,588 per year)
- State Farm: MoneyGeek score 73 out of 100 ($1,764 per year)
GEICO ranked first for affordability and second for customer satisfaction out of the nine providers analyzed. This company offers policyholders affordable rates and high-quality service.
How was this MoneyGeek score calculated?

pros
Ranked first for affordability
Ranked second for customer satisfaction
Offers mechanical breakdown insurance
cons
Average claims score
Does not offer gap insurance
COMPANY HIGHLIGHTS
GEICO is the best car insurance company in West Palm Beach, ranking first for affordability and second for customer satisfaction out of nine companies. This provider also offers policyholders various coverage options.
If you have a new car with less than 15,000 miles, GEICO’s Mechanical Breakdown Insurance (MBI) offers better protection than a typical dealer warranty. MBI covers all parts and systems in your vehicle, including ones not covered by the dealer warranty. GEICO also offers classic or antique car insurance, which is ideal for those with older cars who want coverage similar to a standard policy.
GEICO also offers accident forgiveness as an add-on. This coverage ensures your premiums don’t increase after your first at-fault accident. The company also provides essential coverages like roadside assistance to help cover the costs of emergency services like towing, gas delivery or mechanical labor.
Best Car Insurance in West Palm Beach for Customer Service
Without factoring in cost, the best car insurance companies for customer service in West Palm Beach are:
- Travelers: MoneyGeek score 60 out of 100 ($1,007 per year)
- State Farm: MoneyGeek score 58 out of 100 ($4,075 per year)
Travelers ranked first for claims experience and third for customer satisfaction in the comparison group. This insurer has a good track record of honoring claims and satisfying customers. Travelers' rates are also relatively inexpensive, so policyholders don’t pay a high price to get good service.
How was this MoneyGeek score calculated?

pros
Ranked first for claims experience
Offers new replacement coverage
Offers accident forgiveness
cons
Limited unique coverage options
COMPANY HIGHLIGHTS
Travelers is the best car insurance company for West Palm Beach drivers who value service quality over cost. This provider rates highly in claims experience and customer satisfaction.
Policyholders can choose from various add-ons, including new car replacement coverage. This coverage is ideal if you have a new car. In case of a total loss, Travelers will compensate you with a new car of the same make and model. You can also purchase gap insurance if you are financing or leasing your car. This add-on covers the difference between what you still owe on the loan and the car’s actual value.
Travelers also offers accident forgiveness, which protects you from premium hikes after your first at-fault accident. The company also offers roadside assistance to cover the costs of emergency services like towing, tire changes or gas delivery.
Best Cheap Car Insurance in West Palm Beach
We selected the best cheap car insurance companies in West Palm Beach based on affordability and service quality. Policies meet Florida’s minimum requirements. The top companies are:
- GEICO: MoneyGeek score 78 out of 100 ($585 per year)
- Travelers: MoneyGeek score 73 out of 100 ($887 per year)
The cheapest minimum coverage policies in West Palm Beach offer the lowest rates, but you get limited protection against liability costs and no coverage for damages to your vehicle.
How was this MoneyGeek score calculated?

pros
Affordable minimum coverage at $585 per year
Multiple-car, defensive driving and federal employee discounts
Ranked first for affordability and second for customer satisfaction
cons
Below-average claims score
COMPANY HIGHLIGHTS
If you are on a budget, GEICO offers the best cheap car insurance in West Palm Beach. GEICO ranked first for affordability and second for customer satisfaction out of the nine companies analyzed.
You can save even more on your rates by taking advantage of discounts for bundling, insuring multiple cars and safe driving. Students who maintain good grades are also eligible for a discount on their premiums, as well as drivers who have installed an anti-theft system in their cars.
GEICO also offers rare discounts, including affinity organization discounts for members of partner organizations. You will also be eligible for a discount if you are a teacher, federal employee or in the military. Senior drivers also get discounted rates, as do drivers who always use a seat belt.
Average Cost of Car Insurance in West Palm Beach
The average cost of car insurance in West Palm Beach is $2,327 per year for a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 in property damage liability.
Drivers in West Palm Beach pay up to $392 more than the average cost of car insurance in Florida, $1,935 per year. Rates in West Palm Beach are also $670 more than the average national cost of car insurance.
About Mark Fitzpatrick
