West Palm Beach, FL Auto Insurance | Cheap Car Insurance in West Palm Beach, FL
Are you looking for cheap auto insurance in West Palm Beach, FL? West Palm Beach, FL car insurance rates are $523/mo or $6,277 annually. However, comparing rates from various auto insurance companies in West Palm Beach, Florida will help lower your overall premium. Keep reading to better understand how your West Palm Beach, FL car insurance quotes are calculated.
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UPDATED: Nov 17, 2020
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- The average auto insurance rates in West Palm Beach, Florida are $523 per month or $6,277 annually.
- Legally, Florida is a no-fault state, which means you must file a claim through your own insurance provider no matter who is at fault for causing the accident.
- You can secure cheap West Palm Beach auto insurance rates by comparing quotes from multiple different companies and seeking out auto insurance discounts.
Looking for cheap auto insurance in West Palm Beach, FL? On average, West Palm Beach, FL auto insurance rates are $523 per month or $6,277 annually. Many factors impact your overall auto insurance rates, like your age, driving record, and the coverage level you choose to purchase.
Florida auto insurance is unique because it is a no-fault state, which means you file a claim through your own insurance company no matter who is at fault for causing an accident. Therefore, the state minimum requirements focus on property damage liability coverage, also known as PDL, and personal injury protection, also known as PIP.
Drivers searching for cheap auto insurance in West Palm Beach, Florida will be able to find low-cost premiums. The General, Hanover, Allied, Allstate, and Farmers rank as some of the best West Palm Beach, FL automobile insurance companies. Comparing quotes and policies will help you find your cheapest rates.
Enter your ZIP code into our FREE online quote tool above to compare rates and find affordable West Palm Beach, FL car insurance. To learn more about getting West Palm Beach, FL car insurance quotes, read on.
Auto Insurance Coverage Requirements in Florida
Virtually every state in the country has some form of legal auto insurance requirements that drivers must follow in order to use the roads. Because Florida is considered a no-fault state, you are responsible for filing a claim through your own auto insurance company no matter who is at fault for causing the accident.
Whether you are looking for West Palm Beach insurance or auto insurance in Palm Beach, FL, you must at least carry Florida’s minimum auto insurance requirements. Check out what those minimum requirements are in the table below.
|Bodily injury liability||Not required||$100,000/$300,000|
|Property damage liability (PDL)||$10,000||$50,000|
|Personal injury protection (PIP)||$10,000||$10,000|
|Uninsured motorist bodily injury||Not required||$10,000/$20,000|
|Medical payments||Not required||$5,000|
|Collision||Not required||$500 deductible|
|Comprehensive||Not required||$250 deductible|
Are you thinking about trying to save money on your auto insurance by only purchasing the bare minimum legal limits? That may not be the wisest idea. Sure, it’s perfectly adequate if you’re driving an older vehicle which has a very low appraisal value.
However, more often than not, state minimum requirements are not well-rounded enough to offer all of the coverage and protection you might need.
Higher liability coverage limits and additional coverages like comprehensive and collision are strongly recommended for people who drive newer, more expensive cars or who want to protect themselves from expensive at-fault accidents.
The state average for auto insurance in Florida is pretty high; your average motorist is shelling out over $523 per month for their premiums, which puts it in the top five of the most expensive states to drive in.
Take a look at the graph below, which compares average monthly auto insurance premiums in West Palm Beach, FL by company. See which West Palm Beach, FL car insurance company is right for you.
If you had to guess, who do you think would be the provider to offer the most affordable auto insurance in West Palm Beach, FL right now? In truth, it all really depends on many different factors. But Hanover and Allied are the most competitively priced compared to their competition.
Can they offer you the same deal? Or is there something specific in your driver profile that can help you save money with another company? You won’t know until you compare companies against one another and see what you can save.
There are a variety of companies to research, including Direct Auto Insurance in West Palm Beach, FL, Progressive Auto Insurance in West Palm Beach, FL, and more. There are companies that also offer affordable auto and home insurance bundles in West Palm Beach, FL.
Enter your ZIP code below to compare auto insurance rates.
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Major Factors in Cheap Auto Insurance in West Palm Beach, Florida
Most people, unfortunately, don’t make the effort to compare Florida auto insurance providers against one another like they should. We understand why.
It involves gathering a whole bunch of information together, giving that private information out to insurance agents who may not have your best interests at heart, and going through a complicated evaluation process before you can get a hard number.
But you can help yourself by understanding which numbers your insurance company will look at most, and how you can use them in your favor.
Your age, driving record, and ZIP code will all be used to create your auto insurance quotes in West Palm Beach. And every company uses different equations to determine rates.
Take a look at the table below to see how much annual auto insurance costs on average in West Palm Beach through some of the nation’s leading insurance companies.
|Group||USAA||State Farm||GEICO||Nationwide||Liberty Mutual||Progressive||Allstate|
|Married 60-year-old female||$1,915.45||$2,969.49||$3,784.47||$3,764.38||$4,342.58||$4,452.18||$5,192.52|
|Married 60-year-old male||$1,894.38||$2,969.49||$3,784.47||$3,889.59||$4,342.58||$4,797.75||$5,239.23|
|Married 35-year-old female||$2,042.23||$3,277.26||$4,036.49||$4,220.97||$4,754.51||$5,280.07||$5,947.37|
|Married 35-year-old male||$2,005.44||$3,277.26||$4,049.63||$4,149.00||$4,754.51||$4,897.18||$5,634.38|
|Single 25-year-old female||$2,557.12||$3,658.20||$4,439.44||$4,639.18||$4,754.51||$6,309.23||$5,756.44|
|Single 25-year-old male||$2,757.96||$3,830.04||$4,492.47||$4,799.52||$6,508.63||$5,852.13||$5,775.15|
|Single 17-year-old female||$7,162.10||$9,046.09||$7,202.19||$10,119.68||$10,216.83||$14,817.22||$20,332.04|
|Single 17-year-old male||$8,279.01||$11,378.29||$9,006.96||$12,388.08||$15,826.56||$15,947.12||$21,999.80|
In West Palm Beach, women aged sixty tend to receive the best possible rates. Teenage drivers receive the highest average rates.
There are several different factors that come together to make up your unique driver profile. This profile is a snapshot of how risky a driver you are in the eyes of your insurance company. The riskier you look, the more money they will charge you in order to brace themselves for the future claims they assume you will file.
Keep reading and we will dive deeper into the factors which have the strongest influence on determining your risk as a driver.
What ZIP codes have the cheapest auto insurance rates in West Palm Beach, FL?
Where you park your car most often can impact your auto insurance rates. In fact, there are many different ways in which your ZIP code can predict how risky your driver profile may be.
The population of your city, the property values, and even the crime statistics all factor in to show your insurance company how likely it is you may get into an accident.
According to DataUSA, the West Palm Beach population stands at 106,805 people and there are 9 different ZIP codes throughout the city.
Are you paying more for auto insurance because of your West Palm Beach address? Find out in the table below.
|West Palm Beach ZIP Code||Average Annual Auto Insurance Rate|
If your ZIP code is 33412, you have the lowest average rates in the city. However, if your ZIP code is 33406 or 33409, you’re paying $41 per month more than some of your neighbors.
Take a look at how monthly auto insurance rates from nearby Floridian cites compare to West Palm Beach in the graph below.
As you can see from the data above, your auto insurance rates can increase or decrease if you live in different metropolitan areas across Florida. The company you buy a policy from also heavily impacts what rates you’ll end up paying. Therefore, we always recommend putting in the time to comparison shop so you know you’re getting the best deals.
Automotive Accidents and Auto Insurance in West Palm Beach, FL
Your insurance company will assume that you’re less likely to get into an accident if most of the other drivers in your area are also less likely to get into an accident. This means there are plenty of safe drivers on the road and you are unlikely to have any unfortunate interactions with them.
How are the fatal accident statistics for West Palm Beach, FL? Find out in the graph below.
As you can see in the chart above, accident statistics for West Palm Beach aren’t ideal, but they’re lower than most other metropolitan areas of similar population size. You might want to ask your insurance agent about whether or not this qualifies you for some discounts.
Auto Thefts and Auto Insurance in West Palm Beach, FL
According to City-Data, auto thefts in West Palm Beach reached a grand total of 553 vehicles in 2016 but dropped to 381 in 2018. The good news is that this number has been on the decline for the last five years.
The only way to use your auto insurance as a means of protecting your vehicle from theft is by investing in comprehensive coverage.
Check out how much a basic versus a more comprehensive policy will cost you in West Palm Beach in the graph below.
Comprehensive coverage can also help pay for damages caused by weather, falling trees, fires, or even animals. While comprehensive coverage is not included in the Florida state minimum auto insurance requirements, if it fits your budget, it is a worthwhile additional policy to purchase.
Best Auto Insurance for Credit History Rates in West Palm Beach, FL
Did you know your credit score affects auto insurance premiums? Having a high credit score can also score you some serious brownie points with your insurance provider. Most companies automatically assume two things when they see a customer with good credit.
One, that it will be easier for you to pay your premiums on time every month which is very convenient for them.
Two, most insurance companies associate good credit with safe driving habits, whether or not the data actually reflects that those two go hand-in-hand.
In the graph below, you can see the difference in the cost of auto insurance in West Palm Beach, FL for drivers with good credit versus drivers with poor credit.
If you have bad credit and live in West Palm Beach, FL, do not worry too much. Bad credit does not have to last forever. By paying your monthly auto insurance premiums on time, you will slowly improve your overall credit score.
Eventually, as your credit score gets better, your auto insurance rates will decrease.
Do gender and age affect my auto insurance rates in West Palm Beach, FL?
Both gender and age can impact what you pay for auto insurance in West Palm Beach, FL. However, age will affect your rates far more than gender.
The older you are, the more driving experience you have. Therefore, insurance companies assume you are lower-risk to insure than a younger driver. Statistically, teenage auto insurance rates are higher than average because teens are more likely to cause accidents.
Take a look at the graph below to compare the monthly rates a seventeen-year-old driver pays in West Palm Beach for auto insurance, versus what a 34-year-old pays.
Obviously, rates for teenagers are much higher than for older drivers. If you are looking for cheap auto insurance rates for teenagers, consider applying for safe driver discounts or good student discounts to help lower your premiums.
Similar to age statistics, men cause more fatal accidents year after year than women. However, some may argue that there is no longer much of a difference between the way men and women drive.
Even if a company does change prices based on gender, it shouldn’t be more than about two or three percent of your total premium.
Best Auto Insurance for Driving Record Rates in West Palm Beach, FL
Your driving record can drastically change what you will pay for auto insurance in West Palm Beach. Just one single speeding ticket can increase your annual rates by over $100.
Check out how committing traffic violations can cause your monthly rates to increase in the graph below.
Safe driving always pays off. Not only will you help keep the roads safer, but you might also qualify for a safe driver discount.
However, even if you don’t have a perfect driving record, as long as your previous infractions happened at least three to five years ago, they will not always count towards any new West Palm Beach, FL auto insurance quotes you get today. But if your record isn’t perfect, it’s not the end of the world.
Talk to your insurance agent about what you can do, such as taking defensive driving courses, in order to get in better standing with your insurance company if more recent tickets or accidents are keeping you from getting the best rate.
Vehicle Make and Model and Auto Insurance in West Palm Beach, FL
Do you drive a newer, more expensive vehicle that requires full coverage auto insurance? Or do you drive an older vehicle, perhaps one that could even be considered a clunker, where the state minimum standards for insurance are more than enough?
The type of vehicle you drive will have a big impact on how much you pay for your monthly premiums. Part of this has to do with the fact that luxury vehicles are more expensive to replace or repair than economy cars.
Similarly, different vehicles will require different types and levels of coverage. Take a look at the chart below, which compares monthly auto insurance rates for a basic sedan to a much more glamorous vehicle.
As you can see, driving and owning cheap cars in West Palm Beach, FL will lead to lower overall auto insurance rates than if you drive luxury, expensive vehicles. Modest, popular vehicles tend to have lower insurance rates than newer, more expensive, flashier vehicles.
Minor Factors in Cheap Auto Insurance in West Palm Beach, Florida
We’ve covered the major factors that impact your auto insurance premiums in West Palm Beach, FL. Now let’s look at other minor details that can also cause your rates to increase or decrease.
Marital Status and Auto Insurance Rates in West Palm Beach, FL
One of the many perks of getting married is that you might see lower monthly auto insurance premiums. If you and your spouse combine your policies together, you can save quite a bit of money.
You can bump those savings to 10 percent or more off of your annual policies if you and your significant other bundle your auto and home insurance together through the same company. Insurance providers reward you with discounts for bringing them extra business.
Best Auto Insurance for Commute Rates in West Palm Beach, FL
Commuting in West Palm Beach isn’t necessarily as bad as some people may have you believe. The greatest number of commuters spend about 15 to 20 minutes behind the wheel on average.
Nearly three-quarters of drivers in West Palm Beach will rely on their own vehicles as their main means of transportation to work. Some carpool, but the number of people who choose to work from home instead is steadily growing.
Of course, the time you spend behind the wheel is just about as important as the number of miles you drive. The more time you spend behind the wheel stuck in traffic on a regular basis, the greater your chances of getting into an accident.
If you drive more miles each year than the average driver, compare companies to see which policies charge more for your long commute, and which companies keep the rates the same. This way, you can avoid having your annual premiums increase.
Best Auto Insurance for Coverage Level Rates in West Palm Beach, FL
Most drivers don’t know what the difference is between a high deductible and a low deductible. Many believe that higher deductibles come with higher insurance costs and lower deductibles make your insurance more affordable.
In reality, the exact opposite is the truth. Raising your deductible means that your insurance company won’t be paying as much if you have to file a claim, so they charge you less on your monthly premiums.
But this can be dangerous if you don’t have enough savings on hand to pay that higher deductible and get the repairs started on your vehicle in the event of an accident.
Education and Auto Insurance in West Palm Beach, FL
Educational attainment in West Palm Beach is almost equal to that of the state’s average. Just under 29 percent of residents have succeeded at getting their high school diploma or a similar certificate.
The next largest group of residents are proud owners of bachelor’s degrees and they make up about 18 percent of the city population.
There are plenty of educational institutions to choose from if you live in West Palm Beach. The most popular is the Palm Beach Atlantic University which is a private, not-for-profit establishment enrolling nearly 3,000 students each semester.
You can also earn a bachelor’s or master’s degree from Northwood University-Florida. Beyond that, there are nearly a dozen different private and technical schools where you can learn a trade and get the education you want.
How We Conducted Our Auto Insurance Analysis
We calculated our average rate based on a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and who owns his own home.
The miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
You are now an expert on West Palm Beach, FL auto insurance. If you really want to save money, you’re going to have to compare different auto insurance companies in West Palm Beach, Florida against one another. Fortunately, comparison shopping does not need to be tedious or cumbersome.
Let us help connect you with the providers you’re looking for and the rates you deserve. If you’re ready to buy West Palm Beach, FL car insurance, enter your ZIP into our FREE online quote tool below to start comparing the cheapest auto insurance rates in Florida.