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Delray Beach Car Insurance

How much does car insurance cost in Delray Beach, FL? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Delray Beach?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Florida has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Delray Beach typically pay around $260.36 per month compared to the national average of $138.95 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $138.95
Florida $209.23
Delray Beach, Florida $260.36

Delray Beach, FL Best Car Insurance Companies

car insurance in Delray Beach

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Nationwide generally has the most affordable car insurance in Delray Beach coming in around $106.38 per month. Other companies to consider if you live in Delray Beach is State Farm with an average cost of $199.83 per month and Mercury Insurance which typically runs around $244.48 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Delray Beach.

RankCompanyAverage Monthly RateComparison State Average
1 Nationwide $106.38-49.16%
2 State Farm $199.83-4.49%
3 Mercury Insurance $244.4816.84%
4 21st Century $249.2219.11%
5 Mercury Insurance Company $260.0024.26%
6 Allstate $279.7533.70%
7 Safeco $287.5337.42%
8 Direct Auto $288.9038.07%
9 Kemper Auto | Infinity $299.2743.03%
10 Mercury $312.2649.24%

How Much is Car Insurance in Delray Beach, FL?

how much is auto insurance in Delray Beach

Rates can vary from city to city. The residents of Boca Raton typically pay $255.90 per month while people who live in Delray Beach will pay $260.77 per month on average. See what people pay for car insurance in other cities in Florida.

Florida CitiesMonthly Average Rate
Boca Raton $255.90
Delray Beach $260.77
Fort Lauderdale $248.22
Fort Myers $173.51
Gainesville $155.30
Jacksonville $192.80
Miami $282.30
Naples$163.56
Orlando $214.64
Pensacola $176.46
Pompano Beach $253.65
Saint Petersburg $210.42
Sarasota $163.37
Tallahassee $172.64
Tampa $265.18
West Palm Beach $260.22

Cheap Car Insurance in Delray Beach by Zip Codes

find cheap auto insurance in Delray Beach

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Florida. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Delray Beach, FL ZIP CodeAverage Monthly Rate
33436$301.66
33438$176.06
33444$275.38
33445$267.13
33446$255.61
33482$245.78
33483$251.69
33484$250.72

Car Insurance Rates by Driver's Age Group in Delray Beach

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $582.49 per month in Delray Beach. Compare that to drivers in their 30’s who typically pay around $251.87 per month drivers in their 40s at $254.58 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$582.49
20s$344.50
30s$251.87
40s$254.58
50s$213.12
60s$220.25
70+$259.70

Cheapest Insurance for Teenage Drivers in Delray Beach

If you are teen in Delray Beach you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, 21st Century typically charges around $399.67 per month. This is likely the most affordable option in Delray Beach. You might also want to consider State Farm and AIG who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
21st Century$399.67
State Farm$421.39
AIG$588.19
National General$637.67
Allstate$680.97

Cheapest Insurance for 20 Year-olds in Delray Beach

20 year-olds in Delray Beach might want to consider State Farm who, on average, offers car insurance rates around $251.35 per month. Mercury Insurance , 21st Century , Liberty Mutual and National General are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
State Farm$251.35
Mercury Insurance$288.83
21st Century$296.60
Liberty Mutual$356.35
National General$410.09

Cheapest Insurance for 30 Year-olds in Delray Beach

If you are in your 30s in Delray Beach our research has found that State Farm typically has the most affordable coverage coming in around $191.90 per month, followed by 21st Century at $216.64 and Direct Auto at $274.61.

CompanyAverage Monthly Rate
State Farm$191.90
21st Century$216.64
Direct Auto$274.61
Allied$281.11
Allstate$283.66

Cheapest Insurance for 40 Year-olds in Delray Beach

On average, State Farm offers car insurance for 40 year-olds in Delray Beach for around $186.03 per month. If you are looking for affordable coverage, you may also want to consider 21st Century or Direct Auto. The full list of top companies is below.

CompanyAverage Monthly Rate
State Farm$186.03
21st Century$243.71
Direct Auto$250.10
Allstate$270.91
Mercury$289.09

Cheapest Insurance for 50 Year-olds in Delray Beach

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Delray Beach we found that Nationwide generally offers the most affordable coverage at $107.30 per month.

CompanyAverage Monthly Rate
Nationwide$107.30
State Farm$172.49
Mercury Insurance$199.12
Kemper Auto | Infinity$215.55
21st Century$219.52

Cheapest Insurance for 60 Year-olds in Delray Beach

If you live in Delray Beach and you’re in your 60s, our data indicates that Nationwide usually has the best rates at $105.46 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Nationwide$105.46
State Farm$175.88
Direct Auto$198.15
21st Century$199.15
Mercury Insurance$208.01

Driver's Coverage Auto Insurance Rates in Delray Beach, FL

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Delray Beach, the average monthly rate for a driver who is currently insured is $251.58 while drivers who are not currently covered will pay around $281.74.

CoverageAverage Monthly Rate
Not Currently Insured $281.74
Currently Insured $251.58

Compare Recent Car Insurance Quotes in Delray Beach

auto insurance quotes in Delray Beach city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Delray Beach a driver of a 2013 Hyundai Sonata can expect to pay around $798.06 per month while someone that owns a 2006 Mazda 3 may pay around $815.30 per month. Check out the list of recent quotes in Delray Beach below.

VehicleAverage Monthly Rate
2013 Hyundai Sonata$798.06
2006 Mazda 3$815.30
2017 Chevrolet Camaro$208.02
2013 Ford Transit Connect$500.91
2018 Honda Accord$840.07
2014 Chevrolet Equinox$230.41
2019 Toyota Rav4$424.57
2014 Buick Encore$548.86
2017 Hyundai Elantra$660.88
2019 Toyota Prius$313.43

FAQ's for Drivers in Delray Beach, FL

driver’s frequently asked question in Delray Beach

What Is the Minimum Liability Coverage Requirement in Delray Beach, FL?

The minimum insurance coverage needed in Florida is $10,000 of personal injury protection (PIP) and $10,000 property damage liability (PDL). Florida drivers should also have $10,000/$20,000 bodily injury liability coverage per person/per incident, but policyholders can reject this coverage if they really want to.

Florida is a no-fault state. This means your rights are limited to sue an at-fault driver following a collision. No-fault insurance coverage can pay up to 80% of injury-related expenses and up to 60% of lost wages. It does not cover damaged property.

  •  $10,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  •  $10,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  •  $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Although you are not legally required to carry full coverage insurance in Florida, most lenders demand this level of coverage. They may also require additional coverages. Consider this when calculating the price of your auto loan.

What Is the Blood Alcohol Concentration (BAC) limit in Delray Beach, FL?

It is illegal for individuals to operate a motor vehicle in Florida with the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

DUI is also proven by impairment of normal faculties. For more information about Florida’s DUI laws, refer to Florida DUI and Administrative Suspension Laws on the Florida Department of Highway Safety and Motor Vehicles website.

What are the consequences of being convicted of a DUI?

The consequences of a DUI in Florida depend on the number of convictions, your blood alcohol level, and whether you were transporting a minor at the time of your arrest. At the very least, you will face a fine, community service, and probation. You may also receive jail time at the court’s discretion.
In addition, the long-term damage to your finances could be devastating. You may incur such expenses as higher insurance rates, attorney fees, court costs, vehicle impoundment, mandatory installation of an ignition interlock device, and others.

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Commute Time in Delray Beach, FL

22.2 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Delray Beach, FL

245

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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