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

  • Average car insurance rates in Palm Coast, FL are $328/month
  • The cheapest car insurance company in Palm Coast for teen drivers is USAA
  • Average car insurance rates in Palm Coast, FL for senior drivers are $2,388/year

Average car insurance rates in Palm Coast, Florida are $328 a month. But with a little research you can get a great deal from the top car insurance companies in Palm Coast, FL. Before you buy Palm Coast, 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 Coast car insurance rates with St. Petersburg car insurance rates, Fort Lauderdale car insurance rates, or Miami car insurance rates to make sure you’re getting the best Palm Coast, FL car insurance quotes available.

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

Palm Coast, FL Minimum Car Insurance Coverage

Palm Coast, 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 Coast, 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 Coast, FL Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,847 $6,585 $7,361
GEICO $2,699 $3,416 $3,785
Liberty Mutual $4,019 $4,470 $4,716
Nationwide $2,762 $3,606 $4,049
Progressive $4,332 $5,213 $5,763
State Farm $2,308 $2,776 $3,051
USAA $1,982 $2,354 $2,497

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Palm Coast, 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 $3,843 $3,705 $3,365 $3,434 $13,351 $14,583 $3,880 $3,953
GEICO $2,612 $2,626 $2,443 $2,443 $4,641 $5,831 $2,877 $2,926
Liberty Mutual $3,075 $3,075 $2,826 $2,826 $6,396 $9,801 $3,075 $4,137
Nationwide $2,428 $2,402 $2,171 $2,246 $5,847 $7,219 $2,675 $2,791
Progressive $3,415 $3,233 $2,937 $3,142 $9,553 $10,444 $4,128 $3,965
State Farm $1,720 $1,720 $1,563 $1,563 $4,917 $6,269 $1,904 $2,039
USAA $1,332 $1,312 $1,240 $1,234 $4,458 $5,185 $1,663 $1,797

Palm Coast, FL Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,351 $14,583
GEICO $4,641 $5,831
Liberty Mutual $6,396 $9,801
Nationwide $5,847 $7,219
Progressive $9,553 $10,444
State Farm $4,917 $6,269
USAA $4,458 $5,185

Palm Coast, FL Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,365 $3,434
GEICO $2,443 $2,443
Liberty Mutual $2,826 $2,826
Nationwide $2,171 $2,246
Progressive $2,937 $3,142
State Farm $1,563 $1,563
USAA $1,240 $1,234

Palm Coast, FL Car Insurance Rates by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $8,731 $5,546 $4,516
GEICO $4,785 $2,914 $2,200
Liberty Mutual $5,643 $4,166 $3,395
Nationwide $4,327 $3,194 $2,897
Progressive $6,659 $4,718 $3,930
State Farm $3,683 $2,439 $2,013
USAA $3,714 $1,807 $1,311

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Palm Coast, FL Car Insurance Rates by Driver History

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

Annual Palm Coast, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,404 $6,454 $7,197 $6,002
GEICO $2,313 $2,943 $4,357 $3,586
Liberty Mutual $3,199 $4,127 $5,945 $4,335
Nationwide $2,972 $3,253 $4,369 $3,297
Progressive $4,030 $5,957 $5,015 $5,407
State Farm $2,485 $2,939 $2,712 $2,712
USAA $1,796 $2,203 $3,231 $1,880

Palm Coast, FL Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,197
GEICO $4,357
Liberty Mutual $5,945
Nationwide $4,369
Progressive $5,015
State Farm $2,712
USAA $3,231

Palm Coast, FL Car Insurance Rates by ZIP Code

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

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

ZIP Code Average Annual Rates
32137 $3,030
32143 $3,061
32164 $3,030

Palm Coast, FL Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,084 $6,445
GEICO $3,284 $3,316
Liberty Mutual $4,262 $4,541
Nationwide $3,473 $3,473
Progressive $5,102 $5,102
State Farm $2,621 $2,803
USAA $2,252 $2,303

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Palm Coast, FL Cheapest Car Insurance Rates

How do the top Palm Coast, Florida car insurance companies’ average rates stack up against the Palm Coast average monthly car insurance rates of $328? Take a look and see.

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

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

Palm Coast, FL Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $6,264
GEICO $3,300
Liberty Mutual $4,401
Nationwide $3,473
Progressive $5,102
State Farm $2,712
USAA $2,278

Other Factors Affecting Palm Coast, FL Car Insurance Rates

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

Palm Coast, FL Commute Time

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

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Palm Coast, FL Car Insurance Quotes

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