Cheapest Auto Insurance in West Palm Beach, Florida (2025)
State Farm offers the cheapest rates in West Palm Beach, starting at $117 per month.
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The average monthly cost of insurance in West Palm Beach is $191 for liability only and $258 for full coverage, which is higher than the state averages of $154 and $210 for the same coverages. The area’s high number of crashes and susceptibility to storm damage and king tide flooding likely contribute to its higher average rates.1
One insurer may have a cheaper average rate but not have the coverage you need, while another insurer may have a higher average rate but offer you discounts that reduce your premiums. Here’s what you need to know about comparing quotes and finding the best prices in West Palm Beach.
6 of the cheapest car insurance companies in West Palm Beach
Insurify strives to offer car insurance insights for drivers and identify the cheapest car insurance companies in your area. But the best auto insurance company for you will depend on your situation and needs. Start with these insurers while you shop for quotes.
Best insurer for pay-as-you-go coverage: Hugo
Best insurer for teen drivers: State Farm
Best insurer for drivers with incidents: GEICO
How to get the cheapest car insurance in West Palm Beach
Your driving record is just one of the many factors influencing your rates, and finding the cheapest car insurance in West Palm Beach involves identifying other factors that can lower your premium. Consider these money-saving tips:
Reconsider your coverage. Reduce optional insurance on vehicles with values less than 10 times the cost of your annual premium.
Change your deductible. Raise your comprehensive and collision deductibles to potentially lower your premium costs; just be sure you can afford the out-of-pocket cost if you ever file a claim.
Practice safe driving habits. People with a clean driving record typically pay the lowest car insurance rates. Many car insurance companies offer discounts to people who remain accident-free for a certain period of time. To be a safe driver, follow the rules of the road, don’t follow cars in front of you too closely, and minimize distractions, such as using a cell phone.
Ask about discounts. Call an insurance agent and ask which discounts you might qualify for. The more discounts available, the lower your rates may be.
Shop quotes often. Compare rates whenever your policy is up for renewal to see which insurer can offer you the lowest premiums for the same coverage levels. Insurance professionals recommend you get at least three quotes when shopping for car insurance.
Cheapest liability-only car insurance in West Palm Beach: State Farm
Liability-only car insurance is typically the minimum insurance coverage a state requires. While the requirements may differ by state, these policies generally cover the bodily injuries and property damages that the at-fault driver causes. In some states, like Florida, bodily injury liability insurance isn’t required; instead, personal injury protection (PIP) coverage is.
The average rate for liability insurance in West Palm Beach is $191 per month, and you can see a collection of rates offered by top insurers in the table below.
Cheapest full-coverage car insurance in West Palm Beach: State Farm
The easiest way to remember the differences between liability-only and full-coverage car insurance is that liability generally pays for damages you cause to others in an accident, while full coverage generally pays for the damages you cause and the ones you incur. As such, full coverage is more expensive than liability insurance. West Palm Beach drivers pay a monthly average of $258 for full coverage.
Most insurers consider full-coverage policies to be a combination of liability-only coverage and two other coverages: collision insurance, which covers damages from your car hitting another vehicle or stationary object, even if you’re at fault; and comprehensive insurance, which covers damages from non-driving incidents like theft, flood and fire.
Drivers who are concerned about damage from severe weather, animal activity, hitting potholes, or jumping curbs may want to consider full-coverage policies. The table below shows the insurance companies with the lowest average quotes for full-coverage car insurance in West Palm Beach.
Car insurance requirements in Florida
As a no-fault state, Florida requires all drivers to carry a minimum amount of personal injury protection. PIP pays for your injuries, no matter which driver is at fault. Florida state law also requires all drivers to carry a minimum amount of property damage liability insurance.
Here are the minimum-coverage limits Florida drivers must purchase:3
Florida’s minimum required insurance provides some coverage, but many drivers in West Palm Beach may want more coverage that protects them during other incidents. Along with comprehensive and collision insurance, these optional coverages may be useful for Florida drivers:
Cheapest car insurance for drivers with an incident
If you don’t have incidents on your driving record, you’ll generally pay lower premiums. But moving violations, such as speeding tickets, at-fault accidents, and driving under the influence, can make your insurance prices increase even after one occurrence.
Insurance companies consider your driving record when determining your rates, and how much your car insurance increases after an incident depends on its severity and the claim amount.4
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding doesn’t always cause an accident, but high speeds are a common contributing factor in many fatal car accidents.5 Insurers consider speeding an irresponsible driving habit, which is why they may raise your rates for several years when you get a speeding ticket, even if you don’t cause an accident.
The average monthly rate for liability coverage in West Palm Beach is $256 for drivers with a speeding ticket on their record.
Rate increases could be based on how much you exceeded the speed limit or your history of moving violations. If you have a speeding ticket, use the table below to compare average liability-only car insurance quotes from the cheapest insurers in West Palm Beach.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Whether it be a fender bender or a head-on collision, most at-fault accidents will raise your premiums. Even other accidents that happen in West Palm Beach, whether you’re involved in them or not, will influence premiums, and Palm Beach County has some of the highest crash rates in Florida.
The average rate for liability coverage in West Palm Beach for drivers with an accident on their record is $239 per month.
The table below shows the cheapest liability-only car insurance companies in West Palm Beach for drivers with an at-fault accident.
Cheapest car insurance for drivers with a DUI: State Farm
Driving under the influence is a problem in Palm Beach County. Alcohol was a factor in 385 crashes in the county throughout 2023, causing nine deaths. With drinking and driving leading to thousands of deaths across the country each year, insurers take DUIs seriously and raise a convicted driver’s rates significantly.
Liability insurance for West Palm Beach drivers with a DUI costs $248 per month, on average.
Here are the cheapest average liability-only quotes for drivers in West Palm Beach with a DUI.
Cheapest car insurance for seniors: Mile Auto
Approximately 20% of West Palm Beach’s population are adults aged 65 or older, and these drivers often see their rates rise around age 70.8 Even though years of experience lead to insurance decreases around age 25, accident risks increase for seniors, leading to higher rates.9
The average rate for liability coverage for seniors in West Palm Beach is $169 per month. Despite these slight increases, senior drivers in West Palm Beach pay lower rates than teen and young adult drivers.
Cheapest car insurance for teens: State Farm
Car insurance for teen drivers in West Palm Beach can cost thousands of dollars per month, on average. Teens have a higher fatal crash rate than other age groups, which is why their rates are often higher.10
Teens in West Palm Beach pay an average of $326 per month for liability coverage.
While teens and young drivers should expect rates to be high, you can still save money apart from avoiding speeding tickets and at-fault accidents. Getting a safe car, qualifying for good student discounts, and staying on a parent’s policy can help lower insurance costs. Keep in mind, if you’re younger than 18, you won’t be able to buy your own car insurance policy without the written consent of a parent or guardian.
Here are the cheapest car insurance companies for teens and young adults in West Palm Beach.
West Palm Beach car insurance quotes by credit tier
Your credit history can influence your insurance premiums, even if you have a clean driving record. Florida state law allows insurers to use a driver’s credit history to determine their level of claims risk, but it can’t be the only factor they use.11
Drivers with excellent or good credit typically receive better rates than drivers with poor credit. In the chart below, you can see how much West Palm Beach drivers pay each month for car insurance based on their credit tier.
Is car insurance more expensive in West Palm Beach?
Car insurance in West Palm Beach is more expensive than in many other Florida cities. The average cost of car insurance in the city is $191 per month for liability coverage and $258 per month for full coverage. For comparison, Florida’s average cost of car insurance is $154 per month for liability coverage and $210 per month for full coverage.
More cities in Florida
Looking at other cities in Florida, most have cheaper quotes on average than West Palm Beach, except for Tampa, which has slightly higher rates.