How Much Does Car Insurance Cost in West Palm Beach?

How Much Does Car Insurance Cost in West Palm Beach?

In West Palm Beach, the average car insurance rate is $3,177 per year. It is far more expensive than the state’s average rate of $2,297 but more expensive than the nation’s average of $1,541. Nonetheless, several aspects are evaluated by insurers when they calculate your car insurance rate. The driver’s marital status, driving history, credit tier, age, and location are the most common aspects that influence annual car insurance costs in West Palm Beach. Hence, every driver garners different car insurance rates in West Palm Beach. 

If you want savings on your car insurance, it is best to compare the rates of several companies. Closely comparing the rates of different auto insurance providers in West Palm Beach according to your location, age, driving history, credit tier, and marital status will help you identify the one that best fits your driving status. 

West Palm Beach Car Insurance Costs by Company

There are several car insurance companies in West Palm Beach and each provides comprehensive car insurance coverages. Different auto insurance companies offer unique policies and rates depending on the city’s regulations. State Farm offers the cheapest car insurance in West Palm Beach with an average rate of $2,616 annually. However, if you don’t maintain a clean driving history, your car insurance rates will likely leverage the average car insurance rate in West Palm Beach.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,616$218
GEICO$2,798$233
MetLife$2,888$241
Direct Auto$3,932$328
Allstate$4,121$343

Florida Cheapest Car Insurance Rates For Minimum Coverage

If you are looking for an insurance company in Florida that provides the cheapest car insurance cost with minimum coverage, some companies provide minimum car insurance coverage at a competitive price. State Farm by far offers the best deal when it comes to purchasing car insurance with minimum coverage. 

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,528$211
GEICO$3,206$267
Direct Auto$3,266$272
Allstate$3,911$326
MetLife$5,222$435

West Palm Beach Auto Insurance Rates by Age Bracket

Your age impacts your car insurance rates in West Palm Beach. Drivers with ages fifty to sixty plus carry cheaper auto insurance premiums compared to other age groups. As for those who are in their seventies, they pay more for an insurance policy in contrast to drivers in their 20s,30s,40s, and 50s. Teenagers, however, pay the most for car insurance in West Palm Beach. On a brighter note, when teens reach the age of 20, a substantial decrease in their premiums will immediately reflect.

West Palm Beach Car Insurance Rates Per Age Group

Age GroupAnnual RateMonthly Rate
Teenagers$8,944$745
20s$4,010$334
30s$3,172$264
40s$3,121$260
50s$2,937$245
60s$3,001$250
70s$3,672$306

Florida Cheapest Full Coverage Insurance Rates For Young Drivers With Clean Driving History

In Florida, drivers below the age of twenty are considered high-risk drivers. That is why they pay the most expensive car insurance rates in Florida. But, if you are a young driver with a clean driving record, several auto insurance companies in Florida will provide less expensive premiums.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,001$167
GEICO$2,487$207
MetLife$2,877$240
Allstate$3,922$327
Direct Auto$3,201$267

West Palm Beach Car Insurance Premiums By Gender and Marital Status

Apart from your age, other factors that drive your car insurance costs to increase or decrease are your marital status and gender. Most married couples and widowed drivers in West Palm Beach pay cheaper rates in contrast to single drivers. While married couples are considered responsible drivers compared to single drivers, their gender also affects their overall auto insurance premiums. Females pay more than males for car insurance in West Palm Beach.

West Palm Beach Car Insurance Premiums by Marital Status and Gender

Marital Status/GenderAnnual RateMonthly Rate
Male$3,177$265
Female$3,290$274
Single$3,059$255
Married$3,059$255
Divorced$3,177$265
Widowed$3,127$261

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Florida Cheapest Car Insurance Rates For Married Couples

As was mentioned, married couples are given cheaper car insurance rates in Florida. They are considered financially stable and low-risk drivers; thus, they carry cheaper car insurance rates in Florida. MetLife by far offers the cheapest auto insurance rates for married couples.

Insurance CompanyAnnual RateMonthly Rate
MetLife$2,374$198
State Farm$2,721$227
GEICO$3,022$252
Direct Auto$3,233$269
Allstate$3,333$278

West Palm Beach Auto Insurance Rates After an Accident or Violation

If you have a clean driving record in West Palm Beach, you can easily minimize your West Palm Beach car insurance cost. One at-fault accident can cause your premiums to increase. Even acquiring speeding tickets, and reckless driving citations are considered a risk. Thus, maintaining a good driving record in West Palm Beach will keep your premiums low and close to the average of $3,177 per year.

West Palm Beach Car Insurance Rates For High-Risk Drivers

Driving ViolationAnnual RateMonthly Rate
DUI/DWI$4,660$388
Reckless Driving$4,817$401
At-Fault Accident (less than $1000 damages)$4,377$365
At-Fault Accident (more than $1000 damages)$4,377$365
Speeding Ticket$3,987$325

Florida Average Auto Insurance Costs With One At-Fault Accident

Typically, one at-fault accident will drive your car insurance rates in Florida up. Depending on the value of damages acquired, drivers who have been in an at-fault accident are bound to pay expensive auto insurance rates in Florida. However, there are car insurance companies around Florida that offer less expensive car insurance premiums to high-risk drivers.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,033$169
GEICO$2,821$239
MetLife$3,237$270
Direct Auto$3,411$284
Allstate$3,962$330

Florida Average Car Insurance Rate After A Ticket

Receiving a speeding ticket is a serious issue in Florida. It is typical for drivers in Florida to pay more on their auto insurance premiums after a ticket. However, some insurance companies around the state provide cheap car insurance premiums to reckless drivers in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,902$159
GEICO$2,955$246
MetLife$2,721$227
Direct Auto$3,163$264
Allstate$2,811$234

West Palm Beach Auto Insurance Rates by Credit Tier

The driver’s credit level is another factor evaluated by insurers when calculating your car insurance rates. Building your credit from Very Poor to Exceptional will give you savings up to 59% annually on your car insurance rates. Hence, keeping a good credit score is one way for your rates to stay on the average in West Palm Beach.

West Palm Beach Car Insurance Premiums by Credit Tier

Credit LevelAnnual RateMonthly Rate
Very Poor$6,395$533
Fair$3,922$327
Good$3,177$265
Very Good$2,866$239
Exceptional$2,532$211

Florida Average Car Insurance Rates by Poor Credit with Minimum Coverage

Several car insurance companies in Florida provide cheap premiums with minimum coverage for drivers with poor credit. State Farm, by far, offers the most competitive car insurance rates with minimum coverage in Florida. 

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,989$166
GEICO$1,955$163
United Auto$2,671$223
Direct Auto$1,298$108
Allstate$2,244$187

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Florida Average Car Insurance Rates For Good Drivers With Poor Credit

Your credit score is one of the aspects that impact your car insurance rates in Florida. Having a poor credit score can increase your car insurance premiums. However, if you are a good driver with poor credit, there are several car insurance companies in Florida that offer cheap coverage despite the poor credit tier.

Insurance CompanyAnnual RateMonthly Rate
Direct Auto$2,528$211
United Auto$3,206$267
State Farm$3,266$272
GEICO$3,911$326
Allstate$5,222$435

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West Palm Beach Car Insurance FAQs

  • Is it possible for me to acquire a car insurance discount purchasing other insurance products?

    Typically, it depends on the car insurance company you are under. However, most car insurance companies in West Palm Beach generously give discounts to those who purchase multiple insurance products.

  • Why is it that the car insurance premiums in West Palm Beach often change?

    There are many factors that influence car insurance policies to change. Your medical expenses for treating injuries, auto repair costs, claim adjustment expense, and inflation is a few of the common factors that alter auto insurance policies.

  • Does the car I drive impact my car insurance policy in West Palm Beach?

    Yes. The kind of car you are driving will cause your car insurance rates in West Palm Beach to increase or decrease. The more well-equip your auto with safety tools, the more discounts you will garner. Hence, your car insurance cost is bound to decrease.

  • How does my car affect my car insurance rates in West Palm Beach? What aspects do insurers assess?

    Your engine size, body type, age of your car, market value, safety, and security features, and crash testing rating are the factors that insurers evaluate to determine your car insurance rate. 

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