Cheapest car insurance in West Palm Beach, Florida (Apr 2024)

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Maria Cruz
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How to find the cheapest car insurance in West Palm Beach

On average, car insurance in West Palm Beach costs about $221 per month for minimum coverage liability insurance, and about $460 per month for full coverage insurance. West Palm Beach drivers pay 30% more than the average rate in Florida.  
With hundreds of providers and thousands of
car insurance
products on the market, finding the right coverage—let alone the right price!—can be challenging.
helps you compare quotes and makes finding
cheap car insurance in Florida
and West Palm Beach quick and hassle-free! 
Coverage type
West Palm Beach, FL
United States
State minimum
Full coverage

Best Car Insurance Companies in West Palm Beach

Looking for the cheapest car insurance rates in West Palm Beach? Jerry conducted the largest insurance shopping survey in the nation to help figure it out.
State Farm
is often cited as the cheapest car insurance company in Florida, but some survey respondents reported that they were overcharged and their rates increased frequently. If you’re wondering who to trust among the big five in West Palm Beach
, and
Liberty Mutual
—here’s the truth: the most affordable insurance company is different for everyone.
You’ll need to compare rates from all of them, as well as providers like Assurance America and
, before you can confidently name the best auto insurance provider for you. To get you started, here’s how survey respondents in West Palm Beach rated the biggest companies on a scale of 0 to 5.
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost
Cost rating
Overall Jerry score

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Lower my car insurance too!

Best cheap car insurance quotes in West Palm Beach

Florida’s car insurance laws
oblige drivers to carry a minimum amount of
personal injury protection (PIP)
property damage liability (PDL)
to legally drive. 
PIP covers you and your passengers’ medical expenses (even if you were at fault), while PDL covers the cost of repairing or replacing any property you destroyed.
When it comes to car accidents, however, the minimum coverage is rarely enough to prevent at-fault drivers from huge out-of-pocket expense. 

Cheap minimum liability insurance quotes in West Palm Beach

You need both PIP and PDL to drive in West Palm Beach because Florida is a
no-fault state
. Your car insurance policy must include at least $10,000 of PIP coverage and $10,000 of PDL coverage. 
If you’re looking to pay the cheapest rates, you can stop reading here. Although sticking with the minimum coverage isn’t advised (more on that later), Jerry has helped many drivers find cheap, no-frills coverage in West Palm Beach.
Insurance provider
Monthly minimum coverage cost

Do you need more than minimum coverage in West Palm Beach?

The state's minimum liability coverage is insufficient for most West Palm Beach drivers.
If you cause a serious injury to somebody else in West Palm Beach, their medical bills are likely to climb far past $10,000—and because Florida doesn’t require
liability car insurance
, you could be at serious risk of a lawsuit if the other driver's PIP runs out. The same goes for PDL.
Florida’s car accident laws
allow drivers to file personal injury lawsuits up to four years after a crash, so having the right liability insurance is key. 
The bottom line: It's a good idea to consider liability coverage with higher limits for greater financial protection in case of an at-fault accident.

Cheap full coverage car insurance quotes in West Palm Beach

Full coverage car insurance
is essential for protecting yourself from the costs associated with repairing or replacing your car. It typically includes both
comprehensive coverage
. Collision insurance pays for damages after an accident, while comprehensive insurance pays for damages after a vandalism, theft, or natural disaster.
Your lender will usually require collision and comprehensive coverage if you finance or lease your car. And even if your vehicle is paid off, you should carry full coverage if its value exceeds $3,000.
Insurance provider
Monthly full coverage cost
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in West Palm Beach by zip code

Your zip code tells your car insurance provider where to send your bills, but it also hints at how likely you are to make a claim. 
How? Some zip codes are “riskier” than others, either because of a high rate of congestion, crime, or car accidents (or all three). The drivers living in these neighborhoods tend to pay more than people in other parts of West Palm Beach.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate

Car insurance quotes in West Palm Beach by rating factors 

Is car insurance calculated
at random? No, even if it seems like it. Here are the five factors that determine the rates you pay for West Palm Beach car insurance:  
  • Driving record and claims history: A history of car accidents and traffic tickets may increase your insurance premiums.
  • Vehicle location: Some ZIP codes come with higher rates.
  • Vehicle type: Sports cars, luxury cars, and high-performance cars tend to have higher collision and comprehensive coverage rates.
  • Usage: If you use your car regularly for work, your annual premium may be higher than if you use it only occasionally for pleasure.
  • Credit score: Drivers with good credit typically pay lower insurance premiums than those with bad credit for the same coverage.

How do different factors impact your car insurance costs in West Palm Beach?

Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Florida currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in West Palm Beach:

Cheap car insurance quotes in West Palm Beach after driving violations

Florida driving record
can significantly affect your car insurance rates. High-risk drivers receive proportionally higher insurance premiums. While a conviction for running a red light, committing a DUI, or
reckless driving in Florida
makes it harder to find an affordable rate in West Palm Beach, it’s not impossible. 

Cheapest car insurance in West Palm Beach after speeding ticket

Florida speeding tickets
come in several different flavors, each with a different amount of driver violation points:
  • 1-5 MPH over limit: No points
  • 6-9 MPH over limit: 3 points
  • 10-14 MPH over limit: 3 points
  • 15-19 MPH over limit: 4 points
  • 20-29 MPH over limit: 4 points
  • 30 MPH or more over limit: 4 points and mandatory court appearance
The more severe the offense, the more you’ll pay for car insurance. In spite of this, Jerry has helped a number of drivers save money by finding the lowest rates in West Palm Beach .
Here's a look at just how much your rates can increase in Florida after a speeding ticket.
Monthly coverage cost
Rate increase (%)

Cheapest car insurance in West Palm Beach after DUI

Committing a
DUI in Florida
can have a significant impact on your car insurance rates. Insurance companies often view DUI offenders as high-risk drivers, which can result in higher premiums.
If you have a DUI on your record, it's important to shop around and compare rates from multiple insurance companies to find the most affordable option. Jerry can help you find the best rates for auto insurance in West Palm Beach even after a DUI conviction.
Monthly coverage cost
Rate increase (%)

Cheapest car insurance in West Palm Beach after an at-fault accident

Your driving record in Florida is one of the crucial factors that affect your car insurance rates. Insurance companies look at any past accidents where you were at fault to determine the level of risk you pose to your insurer.
If you have been involved in an at-fault accident in the recent past, your car insurance rates in West Palm Beach could significantly increase when your policy is up for renewal. It is essential to shop around and compare rates from different insurers to find the cheapest auto insurance after an at-fault accident.
Driving record
Monthly coverage cost
Rate increase (%)
At-fault accident

Cheapest car insurance in West Palm Beach after other driving violations

Apart from speeding tickets and DUIs, there are several other violations that can lead to an increase in car insurance costs in West Palm Beach, including careless driving, driving without a license, and reckless driving.

Cheap car insurance quotes in West Palm Beach by age

Young drivers typically have limited driving experience and are therefore considered high-risk by insurance companies, resulting in high insurance rates. However, when drivers reach the age of 25, they may see a drop in their rates. 
On the other hand, drivers over the age of 75 may see an increase in their rates due to potential health issues and slower reflexes.

Cheapest car insurance in West Palm Beach for young drivers

In West Palm Beach, young drivers between the ages of 16 and 21 pay the highest insurance premiums of any age group. 
The best financial protection for young drivers is full-coverage car insurance, which provides coverage for all their mistakes while they learn the rules of the road. The cheapest car insurance for young drivers comes with a provider that offers good student or new driver discounts.
Age group
Monthly minimum coverage cost
Monthly full coverage cost

Cheapest car insurance in West Palm Beach for middle-aged drivers

As drivers gain more experience, their rates tend to lower. Drivers 25-64 see some of the cheapest rates across the board.
Let's take a look at the average rates midde-aged drivers pay in West Palm Beach for their auto insurance:
Monthly minimum coverage cost
Monthly full coverage cost

Cheapest car insurance in West Palm Beach for senior drivers

At the same time, drivers can also expect higher rates once they reach 65+ years old. These higher rates for 
senior drivers
 are supported by statistics that report older motorists as more likely to get into accidents and undergo more serious injuries.
Let's look at how costs change between drivers 55-64 and 65+ in the city. 
Monthly minimum coverage cost
Monthly full coverage cost

Cheap car insurance quotes in West Palm Beach based on insurance history

If you've had a car insurance lapse or you're currently uninsured, it can lead to higher car insurance rates.
To help our customers avoid a lapse in coverage and make payments on time, Jerry sends payment reminders to eligible customers when a payment is due or if they're late on their payments.
We've helped many customers in West Palm Beach who are currently uninsured or have had a lapse in coverage find affordable insurance options.
Insurance history
Monthly coverage cost
Rate increase (%)
With coverage lapses

Cheap car insurance quotes in West Palm Beach for drivers with poor credit

While your credit rating doesn't necessarily reflect your driving ability, insurance companies have found a correlation between lower credit scores and higher claim filings. West Palm Beach drivers with poor credit scores tend to face higher car insurance costs than those with good credit scores. 
If you have a credit score of 550 or less, Jerry partners with companies that provide insurance to West Palm Beach drivers with poor credit, taking the stress out of comparison shopping.
Credit score
Monthly minimum coverage cost
< 600

How to lower car insurance costs in West Palm Beach

1. Shop around and compare quotes

You can’t be 100% certain that you’ve found the best deal on auto insurance until you’ve compared it to the other products on the market. Experts recommend
shopping for car insurance quotes
from at least three different companies every six months.
Sounds like a huge chore—until you remember that Jerry makes the process lighting-fast! Get signed up in 45 seconds and compare five to seven quotes in less than a minute. It’s all the benefits of comparison shopping with none of the time commitment… and did we mention it’s free?

 2. Hunt for car insurance discounts

You can make an okay rate into a great one with the right
car insurance discount
. See if your provider offers a program for:
  • Good drivers. If you’ve held a
    clean driving record
    for at least three years, you’re due for some sweet discounts.
  • Installing a telematics device. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
  • Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
  • Bundling insurance products.
    Bundle your car and home insurance
    and you could pay less for each of them.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.


Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Progressive, Arrowhead, and AmWINS receive good ratings from West Palm Beach drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
The state-minimum car insurance in West Palm Beach, Florida is $10,000 of personal injury protection coverage and $10,000 of property damage liability coverage.
People living in West Palm Beach pay on average $221 per month – or $2,652 per year – on state-minimum liability coverage. Full coverage in West Palm Beach costs on average $460 per month or $5,520 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
Based on thousands of West Palm Beach drivers Jerry has worked with, car insurance in West Palm Beach costs an average of $221 per month for state-minimum coverage and $460 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!  


The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.