Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Palm Bay after a DUI is State Farm
  • The cheapest car insurance company in Palm Bay for teen drivers is GEICO
  • Average car insurance rates in Palm Bay, FL are $345/month

Average car insurance rates in Palm Bay, Florida are $345 a month. But with a little research you can get a great deal from the top car insurance companies in Palm Bay, FL. Before you buy Palm Bay, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

It may even be helpful to compare Palm Bay car insurance rates with Port St. Lucie car insurance rates, Cape Coral car insurance rates, or St. Petersburg car insurance rates to make sure you’re getting the best Palm Bay, FL car insurance quotes available.

Need affordable Palm Bay, FL car insurance? Enter your ZIP code to compare Palm Bay car insurance quotes from multiple car insurance companies near you.

Palm Bay, FL Minimum Car Insurance Coverage

Palm Bay, Florida law requires drivers carry a minimum of 10/20/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Palm Bay, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Palm Bay, FL Car Insurance Rates by Coverage Level

Some Palm Bay drivers can get by with the Florida minimum coverage of 10/20/10. Other drivers may need more. See how much your Palm Bay, Florida car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Palm Bay, Florida

Insurance Company Low Medium High
Allstate $5,128 $6,984 $7,810
GEICO $2,714 $3,489 $3,890
Liberty Mutual $4,030 $4,474 $4,717
Nationwide $2,690 $3,601 $4,078
Progressive $4,459 $5,531 $6,204
State Farm $2,563 $3,118 $3,439
USAA $2,207 $2,742 $2,948

Palm Bay, FL Car Insurance Rates by Age, Gender, and Marital Status

Palm Bay, Florida car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Palm Bay, FL car insurance, get quotes from multiple car insurance companies in the Palm Bay area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Palm Bay, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,152 $3,960 $3,612 $3,661 $14,144 $15,314 $4,117 $4,166
GEICO $2,651 $2,664 $2,485 $2,485 $4,746 $5,988 $2,922 $2,973
Liberty Mutual $3,079 $3,079 $2,829 $2,829 $6,404 $9,815 $3,079 $4,142
Nationwide $2,441 $2,413 $2,187 $2,261 $5,773 $7,101 $2,683 $2,792
Progressive $3,627 $3,410 $3,110 $3,329 $10,170 $11,053 $4,355 $4,129
State Farm $1,908 $1,908 $1,739 $1,739 $5,562 $7,080 $2,120 $2,262
USAA $1,533 $1,507 $1,445 $1,429 $5,203 $5,996 $1,902 $2,044

Palm Bay, FL Car Insurance Rates for Teens

How much is Palm Bay, Florida car insurance for teens? Compare rates from top Palm Bay car insurance companies below to help find the cheapest teen car insurance in Palm Bay, FL.

Annual Car Insurance Rates for Teen Drivers in Palm Bay, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,144 $15,314
GEICO $4,746 $5,988
Liberty Mutual $6,404 $9,815
Nationwide $5,773 $7,101
Progressive $10,170 $11,053
State Farm $5,562 $7,080
USAA $5,203 $5,996

Palm Bay, FL Car Insurance Rates for Seniors

Before seniors buy Palm Bay, Florida car insurance, they should make sure to shop around. Some Palm Bay, FL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Palm Bay, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,612 $3,661
GEICO $2,485 $2,485
Liberty Mutual $2,829 $2,829
Nationwide $2,187 $2,261
Progressive $3,110 $3,329
State Farm $1,739 $1,739
USAA $1,445 $1,429

Palm Bay, FL Car Insurance Rates by Credit History

How does your credit history affect Palm Bay, FL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Palm Bay, Florida

Insurance Company Poor Fair Good
Allstate $9,307 $5,866 $4,749
GEICO $4,889 $2,969 $2,235
Liberty Mutual $5,651 $4,171 $3,399
Nationwide $4,308 $3,180 $2,881
Progressive $7,040 $4,996 $4,157
State Farm $4,165 $2,724 $2,231
USAA $4,259 $2,105 $1,534

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Palm Bay, FL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Palm Bay, Florida car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Palm Bay.

Annual Palm Bay, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,735 $6,868 $7,602 $6,357
GEICO $2,354 $2,999 $4,447 $3,657
Liberty Mutual $3,196 $4,130 $5,961 $4,340
Nationwide $2,961 $3,242 $4,341 $3,281
Progressive $4,265 $6,299 $5,311 $5,716
State Farm $2,778 $3,302 $3,040 $3,040
USAA $2,066 $2,547 $3,752 $2,165

Palm Bay, FL Car Insurance Rates With a DUI

Even a single DUI can increase your Palm Bay, FL car insurance rates. Compare rates below to see which Palm Bay car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Palm Bay, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,602
GEICO $4,447
Liberty Mutual $5,961
Nationwide $4,341
Progressive $5,311
State Farm $3,040
USAA $3,752

Palm Bay, FL Car Insurance Rates by ZIP Code

Just like Palm Bay car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Palm Bay, FL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Palm Bay, Florida

ZIP Code Average Annual Rates
32905 $3,185
32907 $3,185
32908 $3,184
32909 $3,185

Palm Bay, FL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Palm Bay, FL car insurance rates may be. Let’s take a look at average car insurance rates from top Palm Bay companies based on commute time.

Annual Car Insurance Rates by Commute Length in Palm Bay, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,451 $6,830
GEICO $3,348 $3,381
Liberty Mutual $4,268 $4,546
Nationwide $3,456 $3,456
Progressive $5,398 $5,398
State Farm $2,936 $3,144
USAA $2,602 $2,663

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Palm Bay, FL Cheapest Car Insurance Rates

How do the top Palm Bay, Florida car insurance companies’ average rates stack up against the Palm Bay average monthly car insurance rates of $345? Take a look and see.

Best Annual Car Insurance Rates by Company in Palm Bay, Florida

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Palm Bay, FL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Palm Bay, Florida car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Palm Bay, Florida

Insurance Company Average Annual Rates
Allstate $6,641
GEICO $3,364
Liberty Mutual $4,407
Nationwide $3,456
Progressive $5,398
State Farm $3,040
USAA $2,632

Other Factors Affecting Palm Bay, FL Car Insurance Rates

Before you buy Palm Bay, Florida car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Palm Bay, FL Car Theft Rates

The car theft rate in Palm Bay, FL will affect your car insurance rates. FBI data shows that the annual car theft rate for Palm Bay, Florida is 124 stolen cars.

Palm Bay, FL Commute Time

How does your Palm Bay, FL commute time compare with the average driver? In Palm Bay, the average commute is 26.6 minutes.

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Palm Bay, FL Car Insurance Quotes

Compare Palm Bay, FL car insurance quotes from multiple companies by entering your ZIP code now.