West Palm Beach Car Insurance

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

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What Is the Average Cost of Car Insurance in West Palm 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 West Palm Beach typically pay around $396.42 per month compared to the national average of $167.23 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 $167.23
Florida $303.39
West Palm Beach, Florida $396.42

West Palm Beach, FL Best Car Insurance Companies

car insurance in West Palm 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, Liberty Mutual generally has the most affordable car insurance in West Palm Beach coming in around $171.24 per month. Other companies to consider if you live in West Palm Beach is 21st Century with an average cost of $175.97 per month and State Farm which typically runs around $183.04 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in West Palm Beach.

RankCompanyAverage Monthly RateComparison State Average
1 Liberty Mutual $171.24-43.56%
2 21st Century $175.97-42.00%
3 State Farm $183.04-39.67%
4 Direct Auto $244.12-19.54%
5 Mercury Insurance $246.14-18.87%
6 Mercury $266.79-12.06%
7 Safeco $270.59-10.81%
8 Allied $276.68-8.80%
9 AIG $285.63-5.85%
10 Allstate $305.280.62%

How Much is Car Insurance in West Palm Beach, FL?

how much is auto insurance in West Palm Beach

Rates can vary from city to city. The residents of Boca Raton typically pay $338.12 per month while people who live in Fort Lauderdale will pay $372.97 per month on average. See what people pay for car insurance in other cities in Florida.

Florida CitiesMonthly Average Rate
Boca Raton $338.12
Fort Lauderdale $372.97
Fort Myers $265.36
Gainesville $248.59
Jacksonville $287.63
Miami $397.84
Orlando $319.80
Pensacola $257.29
Pompano Beach $375.41
Saint Petersburg $253.97
Sarasota $218.80
Tallahassee $265.53
Tampa $391.65
West Palm Beach $396.42

Cheap Car Insurance in West Palm Beach by Zip Codes

find cheap auto insurance in West Palm 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.

West Palm Beach, FL ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in West Palm 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 $996.33 per month in West Palm Beach. Compare that to drivers in their 30’s who typically pay around $375.84 per month drivers in their 40s at $337.93 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

Cheapest Insurance for Teenage Drivers in West Palm Beach

If you are teen in West Palm 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, Mercury Insurance typically charges around $153.25 per month. This is likely the most affordable option in West Palm Beach. You might also want to consider Liberty Mutual and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Mercury Insurance$153.25
Liberty Mutual$163.54
State Farm$242.28
Direct Auto$392.92

Cheapest Insurance for 20 Year-olds in West Palm Beach

20 year-olds in West Palm Beach might want to consider Liberty Mutual who, on average, offers car insurance rates around $128.04 per month. 21st Century , State Farm , Direct Auto and Mercury Insurance are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Liberty Mutual$128.04
21st Century$168.21
State Farm$207.91
Direct Auto$251.20
Mercury Insurance$257.26

Cheapest Insurance for 30 Year-olds in West Palm Beach

If you are in your 30s in West Palm Beach our research has found that Liberty Mutual typically has the most affordable coverage coming in around $167.56 per month, followed by State Farm at $173.21 and 21st Century at $196.74.

CompanyAverage Monthly Rate
Liberty Mutual$167.56
State Farm$173.21
21st Century$196.74
Direct Auto$244.70
Mercury Insurance$246.67

Cheapest Insurance for 40 Year-olds in West Palm Beach

On average, 21st Century offers car insurance for 40 year-olds in West Palm Beach for around $166.28 per month. If you are looking for affordable coverage, you may also want to consider Liberty Mutual or State Farm. The full list of top companies is below.

CompanyAverage Monthly Rate
21st Century$166.28
Liberty Mutual$175.12
State Farm$185.94
Direct Auto$213.45

Cheapest Insurance for 50 Year-olds in West Palm Beach

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In West Palm Beach we found that Direct Auto generally offers the most affordable coverage at $157.65 per month.

CompanyAverage Monthly Rate
Direct Auto$157.65
21st Century$164.83
State Farm$167.84
Liberty Mutual$178.16

Cheapest Insurance for 60 Year-olds in West Palm Beach

If you live in West Palm Beach and you’re in your 60s, our data indicates that State Farm usually has the best rates at $157.66 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$157.66
Liberty Mutual$168.87
Direct Auto$183.68
21st Century$192.50

Driver's Coverage Auto Insurance Rates in West Palm 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 West Palm Beach, the average monthly rate for a driver who is currently insured is $321.89 while drivers who are not currently covered will pay around $505.66.

CoverageAverage Monthly Rate
Not Currently Insured $505.66
Currently Insured $321.89

Compare Recent Car Insurance Quotes in West Palm Beach

auto insurance quotes in West Palm 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 West Palm Beach a driver of a 2022 Gmc Terrain can expect to pay around $150.82 per month while someone that owns a 2009 Toyota Corolla may pay around $123.48 per month. Check out the list of recent quotes in West Palm Beach below.

VehicleAverage Monthly Rate
2022 Gmc Terrain$150.82
2009 Toyota Corolla$123.48
2009 Honda Pilot$154.07
2024 Honda Accord$145.21
2001 Toyota Corolla$1,054.00
2013 Honda Accord$107.75
2018 Bmw 530e$267.45
2019 Alfa Romeo Giulia$449.26
2020 Hyundai Elantra$1,174.09
2016 Bmw X5$141.63

FAQ's for Drivers in West Palm Beach, FL

driver’s frequently asked question in West Palm Beach

What Is the Minimum Liability Coverage Requirement in West Palm 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 West Palm 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.

Check Out Other Rates in West Palm Beach, FL Nearby Cities:

Boynton Beach, FL

Wellington, FL

Delray Beach, FL

Greenacres, FL

Jupiter, FL


Palm Beach Gardens, FL


Royal Palm Beach, FL



Commute Time in West Palm Beach, FL

22.7 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in West Palm Beach, FL


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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