West Palm Beach's average full coverage car insurance costs $257 per month. Rates range from $253 to $842, depending on the driver's profile and vehicle type. The table below shows average premiums for different driver profiles to help drivers better understand potential costs.
West Palm Beach, FL, Car Insurance
Updated: March 31, 2025
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Cheapest Car Insurance in West Palm Beach: Key Takeaways
GEICO, Travelers and State Farm are among the most affordable car insurance providers in West Palm Beach.
GEICO is the cheapest option for minimum coverage at $63 per month, while Travelers offers the most affordable full coverage at $151.
On average, drivers pay $120 monthly for minimum coverage and $257 for full coverage.
Car Insurance Quotes in West Palm Beach, FL
| Young Drivers | $141 | $322 |
| Teens | No Data | $842 |
| Seniors | $117 | $253 |
| Drivers With an Accident | $186 | $417 |
| Drivers With a Speeding Ticket | $149 | $335 |
| Drivers With a DUI | $169 | $377 |
| Bad Credit | $202 | $414 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
West Palm Beach vs. State Average
Florida
State Average Full Coverage Rate
$2,567
West Palm Beach, FL
City Average Full Coverage Rate
$3,084West Palm Beach Car Insurance is Costly:$517 more
This is 20% more expensive.
What Is the Average Car Insurance Rate in West Palm Beach?
In West Palm Beach, full coverage car insurance averages $3,084 per year, and minimum coverage costs around $1,444. These rates are higher than Florida's averages of $2,567 and $1,191, respectively.
| State Average | $1,191 | $2,567 |
| West Palm Beach Average | $1,444 | $3,084 |
Cheapest Car Insurance Companies in West Palm Beach
Even though premiums are rising in Florida, you can still find affordable car insurance in West Palm Beach. GEICO offers the cheapest minimum coverage at $63 per month. Travelers provides the best rate for full coverage at $151.
WHY CAR INSURANCE IN WEST PALM BEACH IS EXPENSIVE
Car insurance is expensive in West Palm Beach due to high traffic and accident rates. The city ranks high among Florida cities for insurance costs. Statewide, many uninsured drivers, frequent personal injury lawsuits and widespread insurance fraud drive premiums up.
Cheap Car Insurance in West Palm Beach
GEICO offers the cheapest minimum coverage in West Palm Beach, but rates vary by driver. To find the most affordable car insurance, get quotes from multiple insurers. Below is a table with the lowest rates for different driver profiles.
| GEICO | Minimum Coverage | $63 |
| Travelers | Full Coverage | $151 |
| State Farm | Teens | $476 |
| Travelers | Young Adults | $127 |
| Travelers | Seniors | $108 |
| Travelers | Bad Credit | $239 |
| State Farm | Drivers With a DUI | $180 |
| Travelers | Drivers With an Accident | $166 |
| Travelers | Drivers With a Speeding Ticket | $158 |
Car Insurance Rates in West Palm Beach by Company
Compare prices from different companies to get the best car insurance rates. Below, we detail the most affordable minimum and full coverage plans in West Palm Beach.
Cheapest Car Insurance Companies for Minimum Coverage in West Palm Beach
GEICO offers the cheapest minimum coverage auto insurance in West Palm Beach at $63 per month, followed by Travelers at $74. The table below breaks down other affordable options.
| GEICO | $63 | $57 |
| Travelers | $74 | $47 |
| Mercury | $106 | $14 |
| Allstate | $110 | $11 |
| Nationwide | $116 | $4 |
| State Farm | $117 | $4 |
Cheapest Car Insurance Companies for Full Coverage in West Palm Beach
Travelers offers the cheapest full coverage car insurance in West Palm Beach at $151 per month. Below is the complete list of providers for comparison.
| Travelers | $151 | $106 |
| State Farm | $199 | $58 |
| GEICO | $200 | $57 |
| Nationwide | $225 | $32 |
| Allstate | $248 | $9 |
Car Insurance Companies in West Palm Beach
Travelers offers the cheapest car insurance in West Palm Beach at $1,351 annually. Mercury is the best cheap company, with a MoneyGeek score of 82 out of 100. Check the table below for more options.
| Mercury | 82 | $2,296 |
| State Farm | 79 | $1,895 |
| Travelers | 76 | $1,351 |
| Nationwide | 73 | $2,045 |
| GEICO | 70 | $1,582 |
| Allstate | 66 | $2,145 |
| Farmers | 64 | $2,523 |
| Progressive | 62 | $2,818 |
| Direct General Insurance | 36 | $3,725 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in West Palm Beach by Age
Middle-aged drivers and younger seniors pay the lowest car insurance rates in West Palm Beach, averaging $3,084 per year for 40-year-olds and $3,041 for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $7,113 | $-2,808 |
| 17 | $7,075 | $-2,771 |
| 18 | $6,090 | $-1,785 |
| 19 | $5,926 | $-1,621 |
| 20 | $6,103 | $-1,798 |
| 21 | $4,852 | $-548 |
| 22 | $4,956 | $-652 |
| 23 | $5,080 | $-775 |
| 24 | $4,797 | $-492 |
| 25 | $3,867 | $-1,108 |
| 40 | $3,084 | $-325 |
| 65 | $3,041 | $-282 |
Cheapest Car Insurance for Teens in West Palm Beach
Nationwide offers the cheapest overall car insurance for teens in West Palm Beach at $417 monthly, saving $128 compared to the state average. The table below highlights affordable providers for this age group.
| Nationwide | $417 | $128 | $711 |
| GEICO | $479 | $67 | $520 |
| Travelers | $482 | $64 | $686 |
| State Farm | $523 | $23 | $476 |
| Allstate | $528 | $18 | $1,493 |
| Farmers | $652 | $-106 | $1,096 |
| Progressive | $740 | $-194 | $909 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in West Palm Beach
Travelers offers the lowest monthly rates for young drivers in West Palm Beach: $81 for minimum coverage and $173 for full coverage. Explore the table below to compare affordable options across different driver profiles.
| Travelers | Minimum Coverage | $81 |
| Travelers | Full Coverage | $173 |
| Travelers | Bad Credit | $262 |
| Travelers | Drivers With a DUI | $202 |
| Travelers | Drivers With an Accident | $172 |
| Travelers | Drivers With a Speeding Ticket | $164 |
Cheapest Car Insurance Companies for Young Drivers in West Palm Beach
Travelers offers the most affordable auto insurance for young drivers in West Palm Beach at $127 per month. The table below shows other companies with competitive rates.
| Travelers | $127 | $105 |
| State Farm | $182 | $50 |
| GEICO | $189 | $43 |
| Allstate | $194 | $38 |
| Nationwide | $200 | $32 |
*Rates are for 25-year-old drivers with good credit and no driving violations for minimum and full coverage plans.
Best Car Insurance Rates for Seniors in West Palm Beach
GEICO, Travelers and State Farm are the cheapest car insurance providers for seniors in West Palm Beach, but rates vary depending on your situation. The table below shows the most affordable providers for different driver and coverage profiles.
| GEICO | Minimum Coverage | $59 |
| Travelers | Full Coverage | $145 |
| Travelers | Bad Credit | $222 |
| State Farm | Drivers With a DUI | $166 |
| Travelers | Drivers With an Accident | $171 |
| Travelers | Drivers With a Speeding Ticket | $163 |
Cheapest Car Insurance for Seniors in West Palm Beach
Travelers offers the cheapest monthly premium for seniors at $108 for minimum and full coverage policies. GEICO follows at $123. Below is a table showing the top car insurance providers for seniors in West Palm Beach.
| Travelers | $108 | $77 |
| GEICO | $123 | $62 |
| State Farm | $146 | $39 |
| Nationwide | $160 | $25 |
| Mercury | $183 | $2 |
*Rates are for 65-year-old drivers with good credit and no driving violations for minimum and full coverage plans.
Car Insurance Cost for High-Risk Drivers in West Palm Beach
In West Palm Beach, high-risk driver profiles face higher car insurance rates than the state averages. The average annual rate for minimum coverage is $2,014, while full coverage is $4,515. Those with bad credit and DUIs pay the most for insurance, while accidents and speeding tickets have a lesser impact.
| West Palm Beach Average | $2,014 | $4,515 |
| State Average | $1,651 | $3,718 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Insurers typically consider minor driving incidents, like a not-at-fault accident or speeding ticket, for around three to five years. For serious driving offenses, such as a DUI, insurers take note for a longer period, and you might need to file an SR-22 or FR-44 to meet Florida's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in West Palm Beach
GEICO offers the cheapest minimum coverage for drivers with a DUI in West Palm Beach at $1,518 per year. State Farm is the most affordable for full coverage at $2,719. Check out the table below for more low-cost coverage options.
| GEICO | $126 | $419 |
| Travelers | $127 | $264 |
| State Farm | $134 | $227 |
| Allstate | $150 | $364 |
| Farmers | $152 | $304 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in West Palm Beach
GEICO, Travelers and State Farm offer the cheapest auto insurance after an at-fault accident in West Palm Beach. The table below shows various providers offering affordable coverage.
| GEICO | $99 | $324 |
| Travelers | $108 | $224 |
| State Farm | $146 | $247 |
| Nationwide | $174 | $335 |
| Allstate | $202 | $487 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in West Palm Beach
Travelers is the cheapest car insurance provider for drivers with speeding tickets in West Palm Beach, offering minimum coverage at $102 and full coverage at $214 monthly. The table below shows how much other providers charge drivers with speeding tickets.
| Travelers | $102 | $214 |
| Allstate | $115 | $263 |
| GEICO | $122 | $409 |
| State Farm | $134 | $227 |
| Nationwide | $140 | $269 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in West Palm Beach
GEICO provides the most affordable rates for drivers with bad credit in West Palm Beach at $132 monthly. For full coverage, Travelers and Nationwide tie at $314. Check the table below for more affordable options.
| GEICO | $132 | $419 |
| Travelers | $165 | $314 |
| Nationwide | $165 | $314 |
| Mercury | $167 | $444 |
| Farmers | $174 | $331 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in West Palm Beach, FL
In Florida, each city follows statewide mandates for car insurance minimums. Your policy must include at least:
- $10,000 in property damage liability per accident
- $10,000 personal injury protection per person
Imagine a fender bender on a rainy day. Minimum coverage covers property damage expenses up to $10,000, keeping you financially secure.
Cheap Car Insurance in West Palm Beach: Bottom Line
In West Palm Beach, GEICO offers the cheapest minimum coverage for $63 monthly, while Travelers provides full coverage at $151. Regardless of your age or credit, you can find budget-friendly options. Ensure your policy includes Florida’s required personal injury protection and property damage liability. Compare rates to secure affordable coverage and stay compliant with state laws.
West Palm Beach Auto Insurance: FAQ
We answer common questions about affordable and best car insurance options in West Palm Beach.
What is the cheapest car insurance company in West Palm Beach, FL?
GEICO offers the most affordable car insurance in West Palm Beach, Florida, with rates starting at $63 for minimum coverage.
What is the best car insurance company in West Palm Beach, FL?
Mercury is the best car insurance company in West Palm Beach, scoring 82 out of 100. The average annual premium for minimum coverage is $2,296.
How much does car insurance cost on average in West Palm Beach, FL?
The average monthly cost of minimum coverage car insurance in West Palm Beach ranges from $117 to $202.
Best Cheap Car Insurance in West Palm Beach: Our Methodology
MoneyGeek analyzed West Palm Beach auto insurance prices using the Florida Office of Insurance Regulation and Quadrant Information Services data.
West Palm Beach Driver Profile
To assess the best and most affordable auto insurance options for West Palm Beach residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in West Palm Beach
In assessing the car insurance quotes for West Palm Beach, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to Florida's minimum coverage requirements:
- $10,000 in property damage liability per accident
- $10,000 personal injury protection (PIP) per person
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Florida providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in West Palm Beach
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes from 14 insurance companies in West Palm Beach for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions.
For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.