West Palm Beach, FL Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in West Palm Beach.
How much does auto insurance cost in West Palm Beach?
The average cost of car insurance in West Palm Beach, Florida, is $1,593 per six-months. That's more than the average in Florida ($1,154) and more costly than the national average of $880. Keep reading to learn more about how much you can expect to pay based on your age, credit score, and other factors in West Palm Beach.
| Car insurance in West Palm Beach vs. Florida | Average 6 Mo. Premium |
|---|---|
| West Palm Beach average | $1,593 |
| Florida average | $1,154 |
The Zebra's key takeaways about car insurance in West Palm Beach:
- The average cost of a car insurance policy in West Palm Beach is $1,593 per six-month policy — $265 per month.
- The cheapest company in West Palm Beach is State Farm ($1,311).
- 47% of Zebra customers in West Palm Beach stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
West Palm Beach car insurance costs by company
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical insurance customer, State Farm provides West Palm Beach's cheapest rates. We've gathered the best cheap car insurance companies in West Palm Beach below. You should only use this list as a starting point: it's important to gather quotes specific to your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| State Farm | $1,311 |
| GEICO | $1,404 |
| Progressive | $1,970 |
| Allstate | $2,069 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in West Palm Beach.
West Palm Beach auto insurance premiums by age
The age group that pays the least for car insurance in West Palm Beach are drivers in their 50s ($1,473 per six-months). Drivers in their 60s pay marginally higher rates — $1,505 per six-months.
Teenage drivers pay West Palm Beach's most expensive insurance rates. When West Palm Beach drivers hit their 20s, their insurance rates drop substantially. The yearly difference in rates paid by teenage drivers and drivers in their 20s in West Palm Beach is $4,936, the largest such difference between any two age groups.Â
| Age tier | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $4,478 |
| 20s | $2,010 |
| 30s | $1,590 |
| 40s | $1,564 |
| 50s | $1,473 |
| 60s | $1,505 |
| 70s | $1,840 |
West Palm Beach car insurance rates by credit level
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In West Palm Beach, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 60% drop in car insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In West Palm Beach, improving your credit to "Fair" corresponds with a $1,235 decrease in six-month car insurance rates. Our data tells us 34% of drivers in West Palm Beach have a credit score of good (680-719).Â
| Credit Score | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $3,202 |
| Fair | $1,967 |
| Good | $1,593 |
| Very Good | $1,437 |
| Exceptional | $1,270 |
West Palm Beach car insurance premiums by violations
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
West Palm Beach drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $1,640 per year versus the city average. A ticket for speeding results in an $807 rate hike, on average, while a DUI violation costs $1,482 per year in insurance premiums.
| Violation/Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $2,335 |
| Reckless Driving | $2,413 |
| At-fault Accident (damages < $1,000) | $2,194 |
| At-fault Accident (damages greater than $2,000) | $2,194 |
| Speeding Ticket (16-20 mph over speed limit) | $1,997 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.