Best Car Insurance in Boynton Beach 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Boynton Beach.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
January 20, 2021Toyota Camry Solara SE3343533Bristol West$278/mo.$159/mo.
June 15, 2021Mazda CX-5 Touring3343623Progressive$250/mo.$175/mo.
April 13, 2021Nissan Altima 2.53342637Mercury$238/mo.$178/mo.
January 10, 2021BMW 135 I3343537National General$300/mo.$193/mo.
October 7, 2021Buick Encore Preferred3343642Mercury$301/mo.$215/mo.
Here’s more information about what impacts the insurance rates in your Boynton Beach.

How much does car insurance cost in Boynton Beach?

Car insurance in Boynton Beach, Florida costs single-car drivers an average of $4,123 annually, or about $344 per month. Compared to the state annual average of $3,359, auto insurance in Boynton Beach is $764 higher higher.
Sitting between Palm Beach and Fort Lauderdale, the suburb of Boynton Beach offers a low-key atmosphere. Boynton Beach drivers can enjoy surrounding nature reserves and the proximity to bigger cities like Miami.
But Atlantic coast living can come at a price in the form of high car insurance premiums. Drivers in cities on the beach often pay more than their inland counterparts—and this can be frustrating in a state like Florida where insurance is already notoriously expensive.
Thankfully, car insurance shopping isn’t what it used to be. Instead of playing phone tag with agents, spending hours filling out long forms, and driving to the post office to mail them, handle everything on one screen with Jerry.
It takes 45 seconds to fill in your personal information and then you’ll be presented with quotes from up to 50 insurance companies in minutes. Once you pick a new policy, Jerry will help you finalize your purchase and even cancel your old one for you.
Keep reading to see how to craft the best insurance plan in Boynton Beach.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Boynton Beach$4,024$2,816$3,508$2,492--
National Average$3,223$2,143$3,086$1,764$3,423$2,486
Boynton BeachNational Average
All Coverage Before Jerry
$4,024$3,223
All Coverage After Jerry
$2,816$2,143
Minimum Coverage Before Jerry
$3,508$3,086
Minimum Coverage After Jerry
$2,492$1,764
Full Coverage Before Jerry
-$3,423
Full Coverage After Jerry
-$2,486
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Choosing a carrier in Boynton Beach

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
The following are some of the highest-ranked insurance carriers for Boynton Beach drivers.
Beyond being the nation’s largest insurance company, State Farm measures in as Florida’s #1 auto insurer for customer satisfaction in Boynton Beach, according to analytics company JD Power.
GEICO promises sound financial backing of claims and offers special discounts for bundling policies, military members, and good students.
Nationwide is a smart option for Boynton Beach drivers looking to go beyond state minimums, since they offer a popular comprehensive and collision coverage package.
Allstate stands out for convenience and customer service, which makes it a viable option for many types of drivers.
There are nearly 14 million drivers in Florida, each with unique needs. Based on your discount eligibility, driving record, or car make, you may find that the right provider for you is not one of the options listed above.
Here’s what drivers pay with some of the most popular insurance providers in Boynton Beach before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
National General$3,673$1,275Compare Prices
Travelers$2,520$894Compare Prices
Progressive$2,645$893Compare Prices
Allstate$2,952$672Compare Prices
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What kind of car insurance you need in Boynton Beach

In Boynton Beach, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
All drivers in Florida are obligated by law to carry minimum amounts of insurance. Because Florida is one of six no-fault states in the US, each driver goes to their own insurance company to cover injuries after a crash—no matter which party caused it.
The state requires you to carry, at a minimum:
Personal injury protection (PIP) covers your medical bills and lost income if you are hurt in an accident. Property damage liability (PDL) covers damages to others’ vehicles and property if you cause an accident.
The state also requires you to have proof of financial responsibility to drive, meaning you must prove you can cover damages to others before you can hit the road. You can satisfy this requirement with:
Simply adhering to these state minimums means that you won’t carry insurance that covers damages to your vehicle. The other party’s PDL could get you $10,000 in coverage if your car gets damaged—but if you’re not so lucky, you could end up paying hefty out-of-pocket expenses.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Boynton Beach drivers are strongly recommended to purchase more coverage than the state minimums to make sure they have coverage for their own expenses after an accident.
Here are some additional coverages that would benefit drivers in Boynton Beach:
| Factor | Recommended coverage | Description | | Injuries to others | Bodily injury liability | All Florida drivers are required to carry personal injury protection, but you could still be sued for additional damages if the other party’s medical bills are higher than your coverage limits. Get higher bodily injury liability insurance to cover injuries to others if you cause an accident. | | Heavy traffic | Collision insurance | Collision insurance covers damages to your vehicle in the case of a collision with another vehicle or an object. | | Many uninsured drivers | Uninsured/underinsured motorist coverage | More than 20% of Florida drivers are uninsured––one of the highest rates in the country. If you’re in an accident with a driver who is uninsured or has insufficient coverage, this will cover your property damage and medical expenses. | | Tropical storms | Comprehensive insurance | Comprehensive coverage pays for damages to your vehicle not caused by a collision. This includes damage from hurricanes, vandalism, and more. |

What determines your car insurance cost in Boynton Beach

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Boynton Beach, you could be paying as much as $41 more per month than an adult driver. These are average rates for Jerry customers in Boynton Beach broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
21-24$3,637$767
25-34$3,489$954
35-44$5,604$2,093
45-54$3,830$1,886
65+$2,520$894
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Boynton Beach with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$4,103$1,322
Speeding over 15$4,536$973
Failure to Obey Traffic Sign$4,968$920
Driving on Sus. License$3,000$616
Speeding under 15$1,937$385
Other$3,761$574
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Where in Boynton Beach you live

It may seem like insurance rates in Boynton Beach should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Boynton Beach, residents of 33436 and 33437 will have the most expensive car insurance rates, while people who live in 33435, 33426 and 33472 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Boynton Beach:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
July 22, 202133436Honda Fit LXFL38Travelers$300/mo.$115/mo.
October 9, 202133436Chevrolet Sonic LTZFL29Progressive$167/mo.$117/mo.
March 23, 202133435Toyota Corolla SEFL23Bristol West$270/mo.$154/mo.
October 7, 202133436Buick Encore PreferredFL42Mercury$301/mo.$215/mo.
September 2, 202133426Tesla Model 3FL23National General$300/mo.$251/mo.
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Why is car insurance in Boynton Beach so expensive?

A variety of considerations determine baseline car insurance rates in Boynton Beach. Insurance companies often consider the following:
This mid-sized beach town may lack the flashiness of nearby Palm Beach or Miami, but that doesn’t mean it escapes Florida’s high insurance rates.

Uninsured drivers

Policies in states with high numbers of uninsured drivers tend to cost more, as insured drivers pay for the added risk that insurers take on.

Traffic

Bottlenecks and bumper-to-bumper traffic––whether they be from spring breakers, commuters, or construction––can increase a driver’s perceived risk of causing an accident.

Crime rates

Boynton Beach’s crime rate is well above both the national average and the average of surrounding areas. Zipcodes with more reported incidents will pay more for insurance.

How can you save money on car insurance in Boynton Beach?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Be sure to take advantage of auto insurance discounts to lower your premium as much as possible—almost all providers offer them. If you aren’t sure about which discounts you qualify for, don’t hesitate to check with your insurance company.
Here are some common discounts available with insurance carriers in Boynton Beach:
| Discount | Description | | Multi-policy | Bundling multiple insurance products with the same provider (like home and auto) could get you a discounted rate on each one. | | Good student | Full-time students under age 25 can usually save on their insurance payments for maintaining at least a B average. | | Anti-theft | If your car comes with anti-theft devices or you have installed some after purchasing, you can save on your monthly premium. | | Defensive driving | Taking a state-approved defensive driving course will lower your accident risk, making you more attractive to insurers. | | New vehicle discount | Driving a car less than three years old gives you access to the latest safety features. Your insurer might reward you for registering a new car. |
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