Best Cheap Car Insurance in West Palm Beach, Florida 2022

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Single-car drivers in West Palm Beach pay an average of $3,198 annually for car insurance. That’s about $266 per month to insure your car.
West Palm Beach may not sit right on the water, but its lively downtown draws in residents and vacationers looking for good food and nightlife at a lower cost of living. But with the busier area can come more expensive car insurance payments. Thankfully, comparison shopping is one of the easiest ways to find better rates.

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Whether you stick to your state’s minimum liability requirements or opt for a full-coverage policy with comprehensive and collision insurance, your home state plays a big role in determining how much you pay to protect your wallet against car-related expenses.
To find the best coverage options for your vehicle in Florida, download Jerry, the world’s first super app for car owners and your key to optimized insurance!

Best car insurance companies in West Palm Beach

There’s no single company that offers the best rate to everyone in West Palm Beach . If you’ve recently moved or are looking to optimize your coverage, the best option is to compare multiple quotes from different companies. Sound like a drag? The Jerry app can get it done in a matter of seconds, saving you time and money while setting you up with the best coverage available!
Take a look at the table below for comparison of real Jerry customers’ rates in West Palm Beach :
Insurance Company
Average Cost
Annual Savings with Jerry
National General$4,179$1,130Compare Prices
Progressive$3,177$866Compare Prices
Safeco$3,637$648Compare Prices
Allstate$4,760$639Compare Prices
Travelers$2,412$524Compare Prices
Nationwide$2,076$236Compare Prices
Clearcover$1,320$27Compare Prices

Check out insurance company reviews from real Jerry customers:

It was great!!!
So far no problems with them.
Excellent service and company.
Great insurance company and pricing!!! 5 STARS!!!
Have not had an issue yet. Their rates are surprisingly lower than anywhere else. Customer service always answer as soon as I call, no long waits!
The insurance plan I have with progressive is incredibly affordable especially for a college student that’s fairly new to driving. However, I had to prove that I was keeping my car where I said and I did that with a document they requested to do so and was sent a letter saying they would not be renewing my contract because I had failed to prove the garaging address. Even though I had sent paperwork through the app as they asked proving exactly what they wanted. This was kind of irritating but it’s okay. Still a great price and haven’t had any other issues.
No matter what provider you choose, you’ll need to meet your state’s minimum legal requirements for car insurance. In most cases, that means buying a certain amount of liability insurance, but you may also need to carry uninsured motorist coverage, medical payments coverage, or personal injury protection.
State requirements and risk assessments associated with zip codes mean your rate could vary not just from state to state or city to city, but block to block! With so many factors at play, finding the best coverage becomes dizzyingly complex. That’s why Jerry exists: to simplify car insurance comparison with authoritative quotes from over 55 top insurance providers.
Here’s what actual Jerry customers pay:
Quote DateCarZip CodeNameAgeInsurance Company
Before Jerry
After Jerry
September 29, 2022Hyundai Elantra GLS33417Julia G.26Progressive$113/mo.$90/mo.
September 13, 2022Honda Accord EX33415Darrell W.25Progressive$185/mo.$114/mo.
October 2, 2022Lexus Nx 200T Base33411Catherine B.44Progressive$235/mo.$171/mo.
September 29, 2022Honda Cr-V LX33413Nelle P.27Progressive$200/mo.$193/mo.
September 15, 2022Infiniti Q50 Base33415Louise D.35Bristol West$325/mo.$252/mo.
22 people from Jerry switched with Jerry to Mercury in the past 14 days.
Last updated 2 hours ago
Ada from Sanford switched with Jerry to Assurance America and saved $1119
2 hours ago
Bradley from Trinity switched with Jerry to Gainsco and saved $1380
2 hours ago

How much does car insurance in West Palm Beach cost?

Rates for car insurance in the same state can fluctuate wildly depending on your specific zip code. Depending on your city’s demographics—including population density, average age, and accident rate—your car insurance premiums may be much higher or lower than a neighboring city.
Here’s what real Jerry customers paid for car insurance in West Palm Beach:
How do West Palm Beach insurance rates compare to similar areas? Take a look at the table below to see. 
Let’s break down what makes car insurance in West Palm Beach so expensive. The graph below shows how much Florida drivers pay, on average, for liability insurance, comprehensive coverage, and collision insurance—the three main elements of what’s called “full coverage car insurance.”
  • Liability coverage, which is the bare minimum required by law, covers repairs and medical expenses for other drivers if you’re in a collision
  • Comprehensive insurance covers repairs to your car caused by something other than a collision (e.g. vandalism, natural disasters, or theft)
  • Collision insurance covers repair costs for your vehicle following a collision with another car or a stationary object
So, how much car insurance does Florida require?
In Florida, drivers need $10,000 in personal injury protection (PIP) and $10,000 in property damage liability per accident.
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Proof of insurance is also required to register your vehicle.
Yes, Florida is a no-fault state. This means that no one is considered “at-fault” in an accident. Instead, drivers are required to carry personal injury protection (PIP) coverage to cover themselves in an accident.
Take a look at the graph to visualize how much your expenses could increase if you opt for full coverage.
But those are just the minimum requirements you need to avoid a violation. If you’re in an accident, state minimum insurance might not cover all your expenses—especially if you or anyone in your vehicle is injured, or your car sustains significant damage.
That’s why experts generally suggest carrying more than the minimum required coverage. As previously mentioned, so-called “full-coverage” policy typically includes liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
On top of that coverage, you can check out special add-ons to fit your situation, vehicle, and unique needs. Do a lot of driving on remote back roads? Towing and labor coverage could get you out of a tight spot. Work for a rideshare company? Be sure to invest in rideshare insurance. You can even add specialized insurance for your car’s sound system if you’ve got a premium audio setup.

Best car insurance for bad drivers in West Palm Beach

Listen, we’re not here to judge. Maybe you had a bad day and ended up with a reckless driving charge or a DUI. Maybe you had a really good day and landed yourself an accidental speeding ticket.
No matter the reasons behind your tickets, even minor traffic violations can have an outsize impact on your insurance premium, especially if they’re repeated. And just one major offense (think DUI) could get you labeled as a “high-risk driver” by your insurance company. Worst of all, that label can follow you for years in some cases—even if you’ve cleaned up your act and drive like a saint.
Here’s where Jerry comes in. Even if your driving record is less than stellar (like, a lot less), there are still ways to optimize your rates and coverage to get the policy you need. Here’s how much Jerry customers in West Palm Beach with a history of violations saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,201$803
Improper Passing$8,400$3,158
Driving on Sus. License$7,691$2,680
Speeding over 15$6,285$2,192
Careless Driving$3,948$1,547
Speeding under 15$3,570$970
Failure to Obey Traffic Sign$3,312$619

West Palm Beach driving violation FAQ's

How much is car insurance in West Palm Beach with a DUI?

If you have a DUI on your record, your car insurance premium in West Palm Beach could increase by as much as 6%.

How much does your car insurance increase after a speeding ticket in West Palm Beach?

If you’re caught speeding through West Palm Beach and end up with a ticket, you can expect to see your insurance rate jump by about 26%. And keep in mind—repeated speeding tickets could cause an even bigger increase!

Best car insurance in West Palm Beach by age

Young people get stereotyped all the time—but when insurance companies do it, it can cost you hundreds of dollars a year!

Best car insurance in West Palm Beach for young drivers

That’s because insurance companies use age as a metric for risk. Providers see young drivers as less experienced and more likely to submit claims (i.e., cost them money) than older drivers—so they tend to hike rates for anyone under 25.
Of course, you know that no magic switch it going to flip when you turn 25 to make you a safer driver. You might even be the safest driver you know! But that won’t stop insurance companies from saddling you with a high rate.
To keep your rates low at a young age, check out these simple hacks:
  • Plenty of insurance companies offer good student discounts to anyone under age 25 with a B average or higher. If you’re still in school, your grades could be the key to insurance savings!
  • If you can get on a family plan with an older relative or friend, you’ll benefit from their lower risk rating and get a lower rate on the same coverage.
  • Check for state-approved defensive driving courses. Many insurance companies will give you a discount if you can prove that you’ve attended a course.
  • Play the long game and stick with one insurance company for a few years. If you maintain a good driving record, you could score multiple discounts for loyalty and safe driving!
  • Telematics programs like Jerry’s Drive Well, Earn Perks offer discounts and rewards for safe driving—and instead of basing your savings on your age, it’ll be based directly on how you actually drive!
Want to see how much more you might pay for car insurance in West Palm Beach based on your age? Check out the table below.

Car insurance in West Palm Beach for your car

Your age and driving record aren’t the only things that determine your car insurance rates in West Palm Beach. The vehicle you drive also plays a role.
The Toyota Prius is one of the most popular cars in Florida—and it’s cheaper to insure than a lot of the SUVs and electric cars on the road today. But if you drive a minivan, a truck, or a sports car, you might be looking at a higher premium than your other West Palm Beach neighbors.
Take a look at the table below for a full rundown of how much insurance for different makes costs in West Palm Beach.
Average Cost
Annual Savings with Jerry
Kia Soul$2,765$901
Toyota Corolla L$2,812$837
Hyundai Elantra SE$2,818$833
Honda Civic LX$2,528$816
Nissan Altima 2.5$2,807$802

West Palm Beach car FAQ's

More people in West Palm Beach drive a Hyundai Elantra Se than any other car! On average, these drivers pay $4,676 for their auto insurance.

What is the most expensive car to insure in West Palm Beach?

At an average of $4,751 per year, a Porsche Macan is the most expensive car to insure in West Palm Beach. If you drive one, we’re sorry.

Car insurance cost based on where you live in West Palm Beach:

Now, we’ve been talking about “drivers in West Palm Beach” as if everyone sees the same rates—but in fact, your rate can vary by zip code, making it possible to have a completely different rate from your neighbor two blocks away.
Why? The simple answer: accident rates and property crimes. Maybe your zip code puts you closer to a major road with tons of accidents, or you’re in a hotspot for auto theft. Within West Palm Beach, drivers in the 33415, 33418, 33401, 33406 and 33407 zip code typically have the highest car insurance premiums, while the cheapest rates are found in the 33410, 33404, 33405, 33409 and 33417 code.
Want to see the average rates in your zip code? Take a look at the breakdown below.
Quote DateZip codeCarStateNameAgeInsurance Company
Before Jerry
After Jerry
September 29, 202233417Hyundai Elantra GLSFLJulia G.26Progressive$113/mo.$90/mo.
September 13, 202233415Honda Accord EXFLDarrell W.25Progressive$185/mo.$114/mo.
October 2, 202233411Lexus Nx 200T BaseFLCatherine B.44Progressive$235/mo.$171/mo.
September 29, 202233413Honda Cr-V LXFLNelle P.27Progressive$200/mo.$193/mo.
September 15, 202233415Infiniti Q50 BaseFLLouise D.35Bristol West$325/mo.$252/mo.

How can you save money on car insurance in West Palm Beach?

Let’s face it: living in West Palm Beach means living with higher than average insurance rates. Add that to an already high cost of living overall, and saving money on insurance becomes a great way to free up space in your budget.
Sound impossible? Not at all! Here are a few simple ways to save money on car insurance in West Palm Beach.

Compare quotes and shop often

That’s right—shopping for car insurance doesn’t have to be a one-and-done. In fact, experts recommend comparing quotes from at least three companies and shopping for new rates every six months!
Okay, we agree: that sounds like a huge pain, especially if it’s only saving you a few extra dollars each month. That’s why we created Jerry, the world’s first super app for car owners. The Jerry app takes the time, effort, and hassle out of car insurance shopping through the power of technology.
In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best coverage at the best rate for you. Pick the quote you like, and Jerry will handle all the paperwork—we’ll even help you cancel your old policy! Best of all, Jerry conducts routine price monitoring so you never have to worry about shopping for new rates again.
And the savings? The average Jerry user saves over $800 a year just by letting the app do their shopping.

Hunt for discounts

Here’s the one insurance savings hack that requires a little legwork on your part: finding discounts. Every insurance company offers them, but they’re not all the same, and companies often won’t advertise them directly.
That means it’s on you to search for the best discounts for you. Call your insurance company and ask about the following types of discount:
  • Good driver discounts:
    West Palm Beach drivers are in luck—state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts:
    You need to prove a long record of safe driving for a state-mandated good driver discount, but many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts:
    Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
  • Bundling discounts:
    You’ve heard it before—bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
These are just some of the most popular car insurance discounts in Florida—but it’s not an exhaustive list! Call your agent and ask what other discounts are available.

Increase your deductible

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
If you’re wondering “what is my deductible, actually?”, think of it as the amount you’ll pay out of pocket before insurance kicks in. Keeping your deductible low ensures you won’t have to pay much in the event of an accident—but it also means your monthly costs will be higher.
Raising your deductible will lower your regular payments, and if you’re already practicing safe driving for discounts, it’s a win-win! Just make sure that you have enough to cover the deductible if you do get into an accident—after all, there’s no way to predict and prevent every collision.

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