Cheapest Auto Insurance in West Palm Beach, Florida (2026)

The average monthly cost of insurance in West Palm Beach is $179 for liability only and $245 for full coverage, which is higher than the Florida averages of $165 and $204 for the same coverages. The area’s high number of crashes and susceptibility to storm damage and king tide flooding likely contribute to its higher average rates.^[1]

One insurer may have a cheaper average rate but not have the coverage you need, while another insurer may have a higher average rate but offer you discounts that reduce your premiums. Here’s what you need to know about comparing quotes and finding the best prices in West Palm Beach.

6 of the cheapest car insurance companies in West Palm Beach

Insurify strives to offer car insurance insights for drivers and identify the cheapest car insurance companies in your area. But the best auto insurance company for you will depend on your situation and needs. Start with these insurers while you shop for quotes.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $76/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $160/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $124/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $140/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $128/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $309/mo*
Overall rating 4.9 1,517 reviews	Overall rating 4.0 7,536 reviews	Overall rating 4.0 7,299 reviews	Overall rating 4.2 515 reviews	Overall rating 3.2 8,266 reviews	Overall rating 3.4 1,901 reviews
Value for money 4.9/5	Value for money 3.8/5	Value for money 3.7/5	Value for money 3.6/5	Value for money 3.0/5	Value for money 3.0/5
Customer service 4.8/5	Customer service 4.1/5	Customer service 4.2/5	Customer service 4.0/5	Customer service 3.4/5	Customer service 3.4/5
Claims handling 4.9/5	Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 4.2/5	Claims handling 3.3/5	Claims handling 3.6/5
Special highlight AI-generated from 1517 user reviews Members of the military community	Special highlight AI-generated from 7536 user reviews Teen drivers	Special highlight AI-generated from 7299 user reviews Customer service	Special highlight AI-generated from 515 user reviews Usage-based savings	Special highlight AI-generated from 8266 user reviews Competitive rates	Special highlight AI-generated from 1901 user reviews Numerous discounts

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for pay-as-you-go coverage: Hugo

pay-as-you-go coverage

Compare Quotes

User Reviews	4.6 66 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	6.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$202/mo

Details

Driver Reviews

4.6

Best choice in West Palm Beach, FLBased on 202 verified driver reviews and ratings

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

Best in West Palm Beach for

Micropayments

No down payments

Fast coverage

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

Best in West Palm Beach for

Micropayments

No down payments

Fast coverage

Showing recent national reviews - See all 66 Hugo reviews

Shelbi

Verified Purchase

Hugo Helps in a Flash

Reviewed in Illinois on March 21, 2026

I like that Hugo offers short-term plans. However, I wish they offered full coverage for vehicles.

Quincy

Verified Purchase

Great news

Reviewed in Pennsylvania on March 18, 2026

I like it, and it’s much easier to use the app to add cars than talking on the phone and waiting for your card to come in the mail.

Angela

Verified Purchase

Affordable

Reviewed in Texas on February 2, 2026

Love that you can pay it freely by the day, week, or month.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Drivers who only need state minimum coverage may want to consider Hugo. The pay-as-you-go insurer sells policies for as little as three days at a time and up to six months, allowing you to make micropayments. Hugo only sells state-minimum liability coverage, so if you need higher limits, or full coverage, you’ll need to consider a different insurer.

Pros

• Flexible payment options

• Online policy access and management

Cons

• No full-coverage option

• Doesn’t offer FR-44 certificates

Best insurer for teen drivers: State Farm

teen drivers

Compare Quotes

User Reviews	4.0 7,299 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$174/mo

Details

Driver Reviews

4.0

Best choice in West Palm Beach, FLBased on 16,551 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in West Palm Beach for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in West Palm Beach for

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Florida reviews for West Palm Beach drivers - See all 7,299 State Farm reviews

Robert

Verified Review

State Farm

Reviewed in Florida on March 30, 2026

State Farm is expensive, and despite their plug-in for my car, they don’t offer any discounts. I have been with them for about 7 years, same vehicle, no tickets or accidents, and they won’t decrease my rate.

Peter

Verified Review

Had enough.

Reviewed in Florida on March 28, 2026

Overpriced, don’t receive proof of insurance card frequently, and do not give you a reminder until the last minute.

Sylvia

Verified Review

State Farm is too expensive!

Reviewed in Florida on March 28, 2026

I still have State Farm, but I'm looking for lower rates with full coverage! I received offers from Progressive, Allstate, and others using the same coverage specs, and prices were lower. I asked State Farm to review my rates and get them closer to the other car insurance offers. So far, I've not received any better offers.

James

Verified Review

State Farm is the best

Reviewed in Florida on March 27, 2026

State Farm auto insurance is about $2000 less per 6 months than my former insurance company (The Hartford), for the exact same coverage.

Jacquelyn

Verified Review

Evaluation

Reviewed in Florida on March 23, 2026

My local agent is great. The national level, not so much. I was in an accident two years ago and was told I would get no help from your company even though I was not at fault and the other driver was cited. I never got reimbursed for my expenses to get home to Florida from Virginia.

Barbara

Verified Review

Competitors Admit They Can’t Compete with SF Prices

Reviewed in Florida on March 22, 2026

Tap into discount advantages, open to questions, respectful, responds in a timely manner, knowledgeable.

Rebscca

Verified Review

State Farm

Reviewed in Florida on March 22, 2026

The folks at the State Farm office are awesome. However, the insurance is way too expensive.

Linda

Verified Review

Reasonable Rates

Reviewed in Florida on March 21, 2026

My current rate is much more reasonable than other companies.

Troy

Verified Review

Great service, price is a little high

Reviewed in Florida on March 21, 2026

It's a little expensive.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Teens and young adults have higher average policy premiums than older drivers, but State Farm, the largest U.S. auto insurer by market share, helps mitigate this by offering multiple discounts. Bundling options are available to lower your premiums further, no matter if you’re a new driver or a parent adding a teen to your policy.

Pros

• Multiple discounts and bundles available

• A++ (Superior) financial strength rating from AM Best, the highest level possible

Cons

• No gap insurance

• Accident forgiveness limited to long-time customers

Best insurer for drivers with incidents: GEICO

Drivers with incidents

Compare Quotes

User Reviews	4.0 7,536 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$245/mo

Details

Driver Reviews

4.0

Best choice in West Palm Beach, FLBased on 16,802 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in West Palm Beach for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in West Palm Beach for

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 Florida reviews for West Palm Beach drivers - See all 7,536 GEICO reviews

Pamala

Verified Review

Mostly Happy with Geico 😏

Reviewed in Florida on March 28, 2026

I have been very happy with Geico. They were there and insured me when everyone else wanted to charge me twice as much, and that was more than 5 years ago. My rates at one point were as low as $35 a month, and then all of a sudden they shot up to $55 to $58 a month with zero tickets, zero accidents, and zero claims, which is why I started shopping around. But to be perfectly honest, even though I can get insurance for $14 less a month on average, I think I'm going to stick with Geico because they were there when I needed a break, and that goes a long way with me.

Jeffrey

Verified Review

Dump Geico, Go to Progressive

Reviewed in Florida on March 28, 2026

Nice, no one calls me for anything, and they are very competitive on pricing. Good price for the money.

William

Verified Review

Excellent

Reviewed in Florida on March 26, 2026

I like them, but they're just too expensive.

Laura

Verified Review

Paying Too Much

Reviewed in Florida on March 21, 2026

Paying for a no-fault accident.

Gerald

Verified Review

Shop for insurance

Reviewed in Florida on March 21, 2026

Check around for lower prices.

Joseph

Verified Review

Great

Reviewed in Florida on March 21, 2026

Great customer support.

Jeff

Verified Review

Doubling my premium

Reviewed in Florida on March 20, 2026

I have GEICO. I had a very small accident and they doubled my insurance for two years. I don’t think that’s fair, considering I’ve had no claims in over 30 years.

Thelma

Verified Review

I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.

Reviewed in Florida on March 19, 2026

I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.

Patricia

Verified Purchase

I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.

Reviewed in Florida on March 12, 2026

I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Clean records lead to the best rates, but if you have a DUI, speeding ticket, or at-fault accident on your record, turn to GEICO to find some of the lowest rates in West Palm Beach. GEICO can also facilitate FR-44 filings for policyholders with a DUI. If you’re improving your driving record or adding a driver who has an imperfect record, you could try to lower your rates further with the company’s DriveEasy telematics app.

Pros

• Offers FR-44 filings

• Some of the lowest rates for driving incidents

Cons

• Accident forgiveness only applies to first accidents

• No gap insurance available

How to get the cheapest car insurance in West Palm Beach

Your driving record is just one of the many factors influencing your rates, and finding the cheapest car insurance in West Palm Beach involves identifying other factors that can lower your premium. Consider these money-saving tips:

• Reconsider your coverage. Reduce optional insurance on vehicles with values less than 10 times the cost of your annual premium.

• Change your deductible. Raise your comprehensive and collision deductibles to potentially lower your premium costs; just be sure you can afford the out-of-pocket cost if you ever file a claim.

• Practice safe driving habits. People with a clean driving record typically pay the lowest car insurance rates. Many car insurance companies offer discounts to people who remain accident-free for a certain period of time. To be a safe driver, follow the rules of the road, don’t follow cars in front of you too closely, and minimize distractions, such as using a cell phone.

• Ask about discounts. Call an insurance agent and ask which discounts you might qualify for. The more discounts available, the lower your rates may be.

• Shop quotes often. Compare rates whenever your policy is up for renewal to see which insurer can offer you the lowest premiums for the same coverage levels. Insurance professionals recommend you get at least three quotes when shopping for car insurance.

Find Cheap Car Insurance in West Palm Beach

Liability rates start at $115 per month

Enter your ZIP codeView My Quotes

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4.7 out of 5 based on 13,041 reviews

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Cheapest liability-only car insurance in West Palm Beach: Progressive

Liability-only car insurance is typically the minimum insurance coverage a state requires. While the requirements may differ by state, these policies generally cover the bodily injuries and property damages that the at-fault driver causes. In some states, like Florida, bodily injury liability insurance isn’t required; instead, personal injury protection (PIP) coverage is.

The average rate for liability insurance in West Palm Beach is $179 per month, and you can see a collection of rates offered by top insurers in the table below.

The below rates in West Palm Beach, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Progressive	$115
Mile Auto	$125
State Farm	$125
Clearcover	$128
GEICO	$142
Dairyland	$147
Embark	$159
Infinity	$161
Mercury	$178
Direct Auto	$179
GAINSCO	$183
The General	$193
Bristol West	$207
Root	$216
Allstate	$217
AssuranceAmerica	$222
National General	$222
Travelers	$258
Mendota	$336
First Acceptance	$351
Liberty Mutual	$351

Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in West Palm Beach: State Farm

The easiest way to remember the differences between liability-only and full-coverage car insurance is that liability generally pays for damages you cause to others in an accident, while full coverage generally pays for the damages you cause and the ones you incur. As such, full coverage is more expensive than liability insurance. West Palm Beach drivers pay a monthly average of $245 for full coverage.

Most insurers consider full-coverage policies to be a combination of liability-only coverage and two other coverages: collision insurance, which covers damages from your car hitting another vehicle or stationary object, even if you’re at fault; and comprehensive insurance, which covers damages from non-driving incidents like theft, flood and fire.

Drivers who are concerned about damage from severe weather, animal activity, hitting potholes, or jumping curbs may want to consider full-coverage policies. The table below shows the insurance companies with the lowest average quotes for full-coverage car insurance in West Palm Beach.

The below rates in West Palm Beach, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$174
Progressive	$195
Mile Auto	$201
Mercury	$239
GEICO	$245
National General	$257
Clearcover	$267
Direct Auto	$270
Bristol West	$290
Allstate	$303
Infinity	$304
The General	$317
Embark	$345
Root	$348
AssuranceAmerica	$349
Travelers	$360
GAINSCO	$372
Liberty Mutual	$397
Dairyland	$413
First Acceptance	$449
Mendota	$458

Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Florida

As a no-fault state, Florida requires all drivers to carry a minimum amount of personal injury protection. PIP pays for your injuries, no matter which driver is at fault. Florida state law also requires all drivers to carry a minimum amount of property damage liability insurance.

Here are the minimum-coverage limits Florida drivers must purchase:^[3]

Coverage	Minimum Requirements
Personal injury protection (PIP)	$10,000 per accident
Property damage liability	$10,000 per accident

Florida’s minimum required insurance provides some coverage, but many drivers in West Palm Beach may want more coverage that protects them during other incidents. Along with comprehensive and collision insurance, these optional coverages may be useful for Florida drivers:

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage pays for damages to you or your car if you’re in an accident where the at-fault driver doesn’t have enough insurance to cover damages. It also covers damage from a hit-and-run accident.

• 

  Gap coverage

  Gap insurance pays the difference between your auto loan or lease balance and the insurance settlement after a total loss.

• 

  Rental car reimbursement coverage

  This pays for rental car expenses while your vehicle is in the shop for covered repairs.

• 

  Accident forgiveness coverage

  Purchasing this optional coverage when you initiate a policy can help you avoid rate increases following your first at-fault accident. You’ll generally need at least three years of driving experience with a clean record to qualify for this coverage.

Cheapest car insurance for drivers with an incident

If you don’t have incidents on your driving record, you’ll generally pay lower premiums. But moving violations, such as speeding tickets, at-fault accidents, and driving under the influence, can make your insurance prices increase even after one occurrence.

Insurance companies consider your driving record when determining your rates, and how much your car insurance increases after an incident depends on its severity and the claim amount.^[4]

Find Car Insurance in West Palm Beach

Monthly rates start at $129 for drivers with an incident

Enter your ZIP codeGet My Quotes

Excellent

4.7 out of 5 based on 13,041 reviews

Secure. Free. Easy-to-use.

Cheapest car insurance for drivers with a speeding ticket: Progressive

Speeding doesn’t always cause an accident, but high speeds are a common contributing factor in many fatal car accidents.^[5] Insurers consider speeding an irresponsible driving habit, which is why they may raise your rates for several years when you get a speeding ticket, even if you don’t cause an accident.

The average monthly rate for liability coverage in West Palm Beach is $208 for drivers with a speeding ticket on their record.

Rate increases could be based on how much you exceeded the speed limit or your history of moving violations. If you have a speeding ticket, use the table below to compare average liability-only car insurance quotes from the cheapest insurers in West Palm Beach.

The below rates in West Palm Beach, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
Progressive	$115	$133
Mile Auto	$125	$147
State Farm	$125	$153
GEICO	$142	$179
Dairyland	$147	$177
Embark	$159	$185
Infinity	$161	$197
Mercury	$178	$240
Direct Auto	$179	$215
GAINSCO	$183	$210
The General	$193	$249
Bristol West	$207	$251
Root	$216	$278
Allstate	$217	$273
AssuranceAmerica	$222	$272
National General	$222	$266
Travelers	$258	$323
Mendota	$336	$390
First Acceptance	$351	$407
Liberty Mutual	$351	$430

Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Progressive

Whether it be a fender bender or a head-on collision, most at-fault accidents will raise your premiums. Even other accidents that happen in West Palm Beach, whether you’re involved in them or not, will influence premiums, and Palm Beach County has some of the highest crash rates in Florida.

The average rate for liability coverage in West Palm Beach for drivers with an accident on their record is $226 per month.

The table below shows the cheapest liability-only car insurance companies in West Palm Beach for drivers with an at-fault accident.

The below rates in West Palm Beach, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
Progressive	$115	$145
Mile Auto	$125	$165
State Farm	$125	$161
GEICO	$142	$180
Dairyland	$147	$190
Embark	$159	$200
Infinity	$161	$203
Mercury	$178	$263
Direct Auto	$179	$239
GAINSCO	$183	$229
The General	$193	$260
Bristol West	$207	$266
Root	$216	$282
Allstate	$217	$284
AssuranceAmerica	$222	$288
National General	$222	$288
Travelers	$258	$339
Mendota	$336	$424
First Acceptance	$351	$443
Liberty Mutual	$351	$456

Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Progressive

Driving under the influence is a problem in Palm Beach County. Alcohol was a factor in 385 crashes in the county throughout 2023, causing nine deaths. With drinking and driving leading to thousands of deaths across the country each year, insurers take DUIs seriously and raise a convicted driver’s rates significantly.

Liability insurance for West Palm Beach drivers with a DUI costs $254 per month, on average.

Here are the cheapest average liability-only quotes for drivers in West Palm Beach with a DUI.

The below rates in West Palm Beach, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
Progressive	$115	$163
Mile Auto	$125	$182
State Farm	$125	$182
GEICO	$142	$204
Dairyland	$147	$214
Embark	$159	$226
Infinity	$161	$234
Mercury	$178	$269
Direct Auto	$179	$260
GAINSCO	$183	$266
The General	$193	$280
Bristol West	$207	$301
Root	$216	$315
Allstate	$217	$315
AssuranceAmerica	$222	$322
National General	$222	$322
Travelers	$258	$375
Mendota	$336	$477
First Acceptance	$351	$498
Liberty Mutual	$351	$510

Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Approximately 20% of West Palm Beach’s population are adults aged 65 or older, and these drivers often see their rates rise around age 70.^[6] Even though years of experience lead to insurance decreases around age 25, accident risks increase for seniors, leading to higher rates.^[7] 

The average rate for liability coverage for seniors in West Palm Beach is $161 per month. Despite these slight increases, senior drivers in West Palm Beach pay lower rates than teen and young adult drivers.

The below rates in West Palm Beach, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Mile Auto	$100	$161
State Farm	$100	$140
Progressive	$103	$175
GEICO	$115	$199
Infinity	$121	$228
Dairyland	$127	$356
Embark	$143	$310
Mercury	$145	$195
Direct Auto	$147	$222
GAINSCO	$159	$323
The General	$166	$272
Bristol West	$176	$246
AssuranceAmerica	$177	$279
National General	$178	$206
Allstate	$180	$251
Root	$184	$297
Travelers	$210	$293
Liberty Mutual	$299	$338
Mendota	$302	$411
First Acceptance	$315	$403

Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Progressive

Car insurance for teen drivers in West Palm Beach can cost thousands of dollars per month, on average. Teens have a higher fatal crash rate than other age groups, which is why their rates are often higher.^[8]

Teens in West Palm Beach pay an average of $310 per month for liability coverage.

While teens and young drivers should expect rates to be high, you can still save money apart from avoiding speeding tickets and at-fault accidents. Getting a safe car, qualifying for good student discounts, and staying on a parent’s policy can help lower insurance costs. Keep in mind, if you’re younger than 18, you won’t be able to buy your own car insurance policy without the written consent of a parent or guardian.

Here are the cheapest car insurance companies for teens and young adults in West Palm Beach.

The below rates in West Palm Beach, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Progressive	$199	$337
State Farm	$237	$330
Dairyland	$246	$690
GEICO	$248	$428
Mile Auto	$252	$405
Embark	$275	$597
Infinity	$293	$554
Mercury	$322	$433
GAINSCO	$326	$663
The General	$330	$542
Direct Auto	$337	$508
Bristol West	$361	$505
Root	$364	$586
Allstate	$420	$587
National General	$440	$510
AssuranceAmerica	$452	$710
Travelers	$525	$733
Mendota	$581	$792
Liberty Mutual	$604	$683
First Acceptance	$607	$776

Disclaimer: Table data sourced from real-time West Palm Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in West Palm Beach may vary based on the policy buyer's unique driver profile.

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West Palm Beach car insurance quotes by credit tier

Your credit history can influence your insurance premiums, even if you have a clean driving record. Florida state law allows insurers to use a driver’s credit history to determine their level of claims risk, but it can’t be the only factor they use.^[9] 

Drivers with excellent or good credit typically receive better rates than drivers with poor credit. In the chart below, you can see how much West Palm Beach drivers pay each month for car insurance based on their credit tier.

Is car insurance more expensive in West Palm Beach?

Car insurance in West Palm Beach is more expensive than in many other Florida cities. The average cost of car insurance in the city is $179 per month for liability coverage and $245 per month for full coverage. For comparison, Florida’s average cost of car insurance is $165 per month for liability coverage and $204 per month for full coverage.

More cities in Florida

Looking at other cities in Florida, most have cheaper quotes on average than West Palm Beach, except for Tampa, which has slightly higher rates.

City	Full Coverage	Liability Only
Cape Coral	$203	$127
Clearwater	$209	$135
Fort Lauderdale	$246	$172
Jacksonville	$220	$141
Miami	$272	$184
Ocala	$200	$128
Orlando	$239	$161
Pensacola	$200	$118
Tallahassee	$201	$120
Tampa	$271	$187
Winter Haven	$226	$126

Disclaimer: Table data is based on real-time West Palm Beach quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

West Palm Beach car insurance FAQs