How to find the cheapest car insurance in West Palm Beach
On average, car insurance in West Palm Beach costs about $221 per month for minimum coverage liability insurance, and about $460 per month for full coverage insurance. West Palm Beach drivers pay 28% more than the average rate in Florida.
With hundreds of providers and thousands of car insurance products on the market, finding the right coverage—let alone the right price!—can be challenging. Jerry helps you compare quotes and makes finding cheap car insurance in Florida and West Palm Beach quick and hassle-free!
| Coverage type | West Palm Beach, FL | Florida | United States |
|---|---|---|---|
| State minimum | $221 | $174 | $77 |
| Full coverage | $460 | $312 | $165 |
Best Car Insurance Companies in West Palm Beach
Looking for the cheapest car insurance rates in West Palm Beach? Jerry conducted the largest insurance shopping survey in the nation to help figure it out.
State Farm is often cited as the cheapest car insurance company in Florida, but some survey respondents reported that they were overcharged and their rates increased frequently. If you’re wondering who to trust among the big five in West Palm Beach—GEICO, Progressive, Allstate, USAA, and Liberty Mutual—here’s the truth: the most affordable insurance company is different for everyone.
You’ll need to compare rates from all of them, as well as providers like Assurance America and Safeco, before you can confidently name the best auto insurance provider for you. To get you started, here’s how survey respondents in West Palm Beach rated the biggest companies on a scale of 0 to 5.
| Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry score |
|---|---|---|---|---|
| Plymouth Rock | $64 | $498 | 3.9 | 4.1 |
| Kemper | $65 | $191 | 4.5 | 4.2 |
| Nationwide | $85 | $198 | 4.0 | 4.2 |
| Progressive | $143 | $353 | 3.8 | 4.2 |
| Safeco | $163 | $272 | 4.2 | 4.4 |
| National General | $303 | $543 | 4.7 | 4.3 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in West Palm Beach
Florida’s car insurance laws oblige drivers to carry a minimum amount of personal injury protection (PIP) and property damage liability (PDL) to legally drive.
PIP covers you and your passengers’ medical expenses (even if you were at fault), while PDL covers the cost of repairing or replacing any property you destroyed.
When it comes to car accidents, however, the minimum coverage is rarely enough to prevent at-fault drivers from huge out-of-pocket expense.
Cheap minimum liability insurance quotes in West Palm Beach
You need both PIP and PDL to drive in West Palm Beach because Florida is a no-fault state. Your car insurance policy must include at least $10,000 of PIP coverage and $10,000 of PDL coverage.
If you’re looking to pay the cheapest rates, you can stop reading here. Although sticking with the minimum coverage isn’t advised (more on that later), Jerry has helped many drivers find cheap, no-frills coverage in West Palm Beach.
| Insurance provider | Monthly minimum coverage cost |
|---|---|
| Met360 | $76 |
| Gainsco | $102 |
| Mercury Auto | $104 |
| Nationwide | $113 |
Do you need more than minimum coverage in West Palm Beach?
The state’s minimum liability coverage is insufficient for most West Palm Beach drivers.
If you cause a serious injury to somebody else in West Palm Beach, their medical bills are likely to climb far past $10,000—and because Florida doesn’t require bodily injury liabilty, you could be at serious risk of a lawsuit if the other driver’s PIP runs out. The same goes for PDL.
Florida’s car accident laws allow drivers to file personal injury lawsuits up to four years after a crash, so having the right liability insurance is key.
The bottom line: It’s a good idea to consider liability coverage with higher limits for greater financial protection in case of an at-fault accident.
Cheap full coverage car insurance quotes in West Palm Beach
Full coverage car insurance is essential for protecting yourself from the costs associated with repairing or replacing your car. It typically includes both collision and comprehensive coverage. Collision insurance pays for damages after an accident, while comprehensive insurance pays for damages after a vandalism, theft, or natural disaster.
Your lender will usually require collision and comprehensive coverage if you finance or lease your car. And even if your vehicle is paid off, you should carry full coverage if its value exceeds $3,000.
| Insurance provider | Monthly full coverage cost |
|---|---|
| Gainsco | $114 |
| Esurance | $134 |
| Nationwide | $140 |
| Assurance America | $147 |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in West Palm Beach by zip code
Your zip code tells your car insurance provider where to send your bills, but it also hints at how likely you are to make a claim.
How? Some zip codes are “riskier” than others, either because of a high rate of congestion, crime, or car accidents (or all three). The drivers living in these neighborhoods tend to pay more than people in other parts of West Palm Beach.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 33401 | $142 | $311 |
| 33405 | $191 | $326 |
| 33409 | $174 | $314 |
Car insurance quotes in West Palm Beach by rating factors
Is car insurance calculated at random? No, even if it seems like it. Here are the five factors that determine the rates you pay for West Palm Beach car insurance:
- Driving record and claims history: A history of car accidents and traffic tickets may increase your insurance premiums.
- Vehicle location: Some ZIP codes come with higher rates.
- Vehicle type: Sports cars, luxury cars, and high-performance cars tend to have higher collision and comprehensive coverage rates.
- Usage: If you use your car regularly for work, your annual premium may be higher than if you use it only occasionally for pleasure.
- Credit score: Drivers with good credit typically pay lower insurance premiums than those with bad credit for the same coverage.
Cheap car insurance quotes in West Palm Beach after driving violations
Your Florida driving record can significantly affect your car insurance rates. High-risk drivers receive proportionally higher insurance premiums. While a conviction for running a red light, committing a DUI, or reckless driving in Florida makes it harder to find an affordable rate in West Palm Beach, it’s not impossible.
Cheapest car insurance in West Palm Beach after speeding ticket
Florida speeding tickets come in several different flavors, each with a different amount of driver violation points:
- 1-5 MPH over limit: No points
- 6-9 MPH over limit: 3 points
- 10-14 MPH over limit: 3 points
- 15-19 MPH over limit: 4 points
- 20-29 MPH over limit: 4 points
- 30 MPH or more over limit: 4 points and mandatory court appearance
The more severe the offense, the more you’ll pay for car insurance. In spite of this, Jerry has helped a number of drivers save money by finding the lowest rates in West Palm Beach .
Here’s a look at just how much your rates can increase in Florida after a speeding ticket.
| Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
| Speeding | $432 | 27.8% |
Cheapest car insurance in West Palm Beach after DUI
Committing a DUI in Florida can have a significant impact on your car insurance rates. Insurance companies often view DUI offenders as high-risk drivers, which can result in higher premiums.
If you have a DUI on your record, it’s important to shop around and compare rates from multiple insurance companies to find the most affordable option. Jerry can help you find the best rates for auto insurance in West Palm Beach even after a DUI conviction.
| Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
| DUI | $496 | 47% |
Cheapest car insurance in West Palm Beach after an at-fault accident
Your driving record in Florida is one of the crucial factors that affect your car insurance rates. Insurance companies look at any past accidents where you were at fault to determine the level of risk you pose to your insurer.
If you have been involved in an at-fault accident in the recent past, your car insurance rates in West Palm Beach could significantly increase when your policy is up for renewal. It is essential to shop around and compare rates from different insurers to find the cheapest auto insurance after an at-fault accident.
| Driving record | Monthly coverage cost | Rate increase (%) |
|---|---|---|
| At-fault accident | $423 | 20% |
Cheapest car insurance in West Palm Beach after other driving violations
Apart from speeding tickets and DUIs, there are several other violations that can lead to an increase in car insurance costs in West Palm Beach, including careless driving, driving without a license, and reckless driving.
Cheap car insurance quotes in West Palm Beach by age
Young drivers typically have limited driving experience and are therefore considered high-risk by insurance companies, resulting in high insurance rates. However, when drivers reach the age of 25, they may see a drop in their rates.
On the other hand, drivers over the age of 75 may see an increase in their rates due to potential health issues and slower reflexes.
Cheapest car insurance in West Palm Beach for young drivers
In West Palm Beach, young drivers between the ages of 16 and 21 pay the highest insurance premiums of any age group.
The best financial protection for young drivers is full-coverage car insurance, which provides coverage for all their mistakes while they learn the rules of the road. The cheapest car insurance for young drivers comes with a provider that offers good student or new driver discounts.
| Age group | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
| 18–21 | $369 | $512 |
| 22–25 | $281 | $452 |
Cheapest car insurance in West Palm Beach for middle-aged drivers
As drivers gain more experience, their rates tend to lower. Drivers 25-64 see some of the cheapest rates across the board.
Let’s take a look at the average rates midde-aged drivers pay in West Palm Beach for their auto insurance:
| Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
| 26-34 | $239 | $358 |
| 35-44 | $231 | $370 |
| 45-54 | $215 | $349 |
Cheapest car insurance in West Palm Beach for senior drivers
At the same time, drivers can also expect higher rates once they reach 65+ years old. These higher rates for senior drivers are supported by statistics that report older motorists as more likely to get into accidents and undergo more serious injuries.
Let’s look at how costs change between drivers 55-64 and 65+ in the city.
| Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
| 55-64 | $201 | $316 |
| 65+ | $207 | $315 |
Cheap car insurance quotes in West Palm Beach based on insurance history
If you’ve had a car insurance lapse or you’re currently uninsured, it can lead to higher car insurance rates.
To help our customers avoid a lapse in coverage and make payments on time, Jerry sends payment reminders to eligible customers when a payment is due or if they’re late on their payments.
We’ve helped many customers in West Palm Beach who are currently uninsured or have had a lapse in coverage find affordable insurance options.
| Insurance history | Monthly coverage cost | Rate increase (%) |
|---|---|---|
| With coverage lapses | $456 | 25% |
Cheap car insurance quotes in West Palm Beach for drivers with poor credit
While your credit rating doesn’t necessarily reflect your driving ability, insurance companies have found a correlation between lower credit scores and higher claim filings. West Palm Beach drivers with poor credit scores tend to face higher car insurance costs than those with good credit scores.
If you have a credit score of 550 or less, Jerry partners with companies that provide insurance to West Palm Beach drivers with poor credit, taking the stress out of comparison shopping.
| Credit score | Monthly minimum coverage cost |
|---|---|
| < 600 | $296 |
| 601–699 | $193 |
| 700+ | $136 |
Cheap car insurance quotes in West Palm Beach for popular cars
If you want to save on car insurance, avoid sports cars, luxury SUVs, and high-performance models. These vehicles might be beautifully-made, but they cost a ton to repair, and thus insure.
Insurance companies look at a vehicle’s cost of repairs and replacements, likelihood of theft, and safety ratings when determining its insurance premiums. Here are the top five picks of West Palm Beach drivers that perform well in all three categories:
| Vehicle | Monthly minimum coverage cost |
|---|---|
| Toyota Camry | $364 |
| Honda Accord | $355 |
| Ford F-Series | $136 |
| Chevrolet Silverado | $145 |
| Nissan Altima | $392 |
How to lower car insurance costs in West Palm Beach
1. Shop around and compare quotes
You can’t be 100% certain that you’ve found the best deal on auto insurance until you’ve compared it to the other products on the market. Experts recommend shopping for car insurance quotes from at least three different companies every six months.
Sounds like a huge chore—until you remember that Jerry makes the process lighting-fast! Get signed up in 45 seconds and compare five to seven quotes in less than a minute. It’s all the benefits of comparison shopping with none of the time commitment… and did we mention it’s free?
2. Hunt for car insurance discounts
You can make an okay rate into a great one with the right car insurance discount. See if your provider offers a program for:
- Good drivers. If you’ve held a clean driving record for at least three years, you’re due for some sweet discounts.
- Installing a telematics device. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
- Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
- Bundling insurance products. Bundle your car and home insurance and you could pay less for each of them.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
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Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car. Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
