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.
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
- Company100/300/100per year
- 1.$1,021
- 2.$1,611
- 3.$2,143
- 4.$2,410
- 5.$2,583
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.

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
- CompanyState Minimumper year
- 1.$452
- 2.$721
- 3.$1,059
- 4.$1,244
- 5.Allied$1,245
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
- ItemDescription
- 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
- CompanySpeeding Ticketper year
- 1.$1,131
- 2.$2,312
- 3.$2,583
- 4.$2,843
- 5.$2,865
Average Cost of Car Insurance in West Palm Beach
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.

The Best Car Insurance Companies in West Palm Beach
MoneyGeek scored the best car insurance companies in West Palm Beach by analyzing average rates, claims ratings and user satisfaction. Based on these factors, the two auto insurers with the highest scores are:
- GEICO: MoneyGeek score of 83 out of 100
- State Farm: MoneyGeek score of 70 out of 100
While USAA received a perfect score of 100 out of 100, it was excluded from our rankings because of its limited availability. That said, it’s the best auto insurance company in West Palm Beach for military families.

At an average of $1,611 per year for a full coverage policy in West Palm Beach, GEICO is the best auto insurer in the city. It received high scores on affordability, claims and customer satisfaction. Plus, it offers mechanical breakdown insurance.
GEICO policyholders in West Palm Beach can purchase mechanical breakdown insurance for new or leased cars that are less than 15 months old and have less than 15,000 miles. This unique add-on coverage offers protection for all parts and systems at a cheaper rate than a standard extended warranty.
The company also offers roadside assistance if your car breaks down on the road. This covers the cost of towing, jump-start and other services.
Policyholders can also take advantage of accident forgiveness to prevent their rates from going up after an accident.
Read MoneyGeek's GEICO auto Insurance Review
With an average annual cost of $2,143, State Farm is the second-best auto insurer in West Palm Beach. It earned high scores on claims and customer satisfaction, but its affordability score was low. The company offers rideshare assistance.
State Farm’s rideshare assistance makes sure that you’re covered while working for a ridesharing company in West Palm Beach. It ensures all insurance coverages (except for liability insurance) remain in effect when your ridesharing app is turned on.
State Farm also has rental car or travel reimbursement coverage, which provides car rental expenses up to chosen limits and travel expenses (meals, lodging and transportation) up to $500.
Policyholders can also get rental car and/or travel reimbursement for additional protection.
Read MoneyGeek's State Farm auto Insurance Review





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 CodeState 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.
About Mark Fitzpatrick
