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 West Palm Beach after a DUI is State Farm
  • The cheapest car insurance company in West Palm Beach for teen drivers is USAA
  • The annual number of car thefts in West Palm Beach is 381.

Average car insurance rates in West Palm Beach, Florida are $523 a month. But with a little research you can get a great deal from the top car insurance companies in West Palm Beach, FL. Before you buy West Palm Beach, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

It may even be helpful to compare West Palm Beach car insurance rates with Fort Lauderdale car insurance rates, Hialeah car insurance rates, or St. Petersburg car insurance rates to make sure you’re getting the best West Palm Beach, FL car insurance quotes available.

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

West Palm Beach, FL Minimum Car Insurance Coverage

West Palm Beach, 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 West Palm Beach, 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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West Palm Beach, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in West Palm Beach, Florida

Insurance Company Low Medium High
Allstate $7,002 $10,042 $11,410
GEICO $3,953 $5,308 $6,037
Liberty Mutual $6,315 $7,062 $7,436
Nationwide $4,562 $6,266 $7,162
Progressive $6,154 $8,022 $9,206
State Farm $4,316 $5,171 $5,665
USAA $3,023 $3,722 $3,985

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in West Palm Beach, 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 $5,947 $5,634 $5,193 $5,239 $20,332 $22,000 $5,756 $5,775
GEICO $4,036 $4,050 $3,784 $3,784 $7,202 $9,007 $4,439 $4,492
Liberty Mutual $4,755 $4,755 $4,343 $4,343 $10,217 $15,827 $4,755 $6,509
Nationwide $4,221 $4,149 $3,764 $3,890 $10,120 $12,388 $4,639 $4,800
Progressive $5,280 $4,897 $4,452 $4,798 $14,817 $15,947 $6,309 $5,852
State Farm $3,277 $3,277 $2,969 $2,969 $9,046 $11,378 $3,658 $3,830
USAA $2,042 $2,005 $1,915 $1,894 $7,162 $8,279 $2,557 $2,758

West Palm Beach, FL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in West Palm Beach, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $20,332 $22,000
GEICO $7,202 $9,007
Liberty Mutual $10,217 $15,827
Nationwide $10,120 $12,388
Progressive $14,817 $15,947
State Farm $9,046 $11,378
USAA $7,162 $8,279

West Palm Beach, FL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in West Palm Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,193 $5,239
GEICO $3,784 $3,784
Liberty Mutual $4,343 $4,343
Nationwide $3,764 $3,890
Progressive $4,452 $4,798
State Farm $2,969 $2,969
USAA $1,915 $1,894

West Palm Beach, FL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in West Palm Beach, Florida

Insurance Company Poor Fair Good
Allstate $13,377 $8,366 $6,710
GEICO $7,429 $4,495 $3,375
Liberty Mutual $8,984 $6,550 $5,279
Nationwide $7,558 $5,492 $4,938
Progressive $10,161 $7,241 $5,981
State Farm $6,978 $4,510 $3,664
USAA $5,821 $2,847 $2,062

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West Palm Beach, FL Car Insurance Rates by Driver History

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

Annual West Palm Beach, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,170 $9,839 $10,862 $9,067
GEICO $3,551 $4,540 $6,759 $5,548
Liberty Mutual $4,897 $6,467 $9,562 $6,824
Nationwide $5,097 $5,615 $7,598 $5,674
Progressive $6,182 $9,071 $7,683 $8,241
State Farm $4,601 $5,500 $5,051 $5,051
USAA $2,787 $3,457 $5,137 $2,926

West Palm Beach, FL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in West Palm Beach, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,862
GEICO $6,759
Liberty Mutual $9,562
Nationwide $7,598
Progressive $7,683
State Farm $5,051
USAA $5,137

West Palm Beach, FL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in West Palm Beach, Florida

ZIP Code Average Annual Rates
33401 $4,812
33403 $4,638
33404 $4,638
33405 $4,812
33406 $4,814
33407 $4,706
33409 $4,814
33412 $4,321
33413 $4,700

West Palm Beach, FL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in West Palm Beach, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $9,213 $9,756
GEICO $5,075 $5,124
Liberty Mutual $6,708 $7,168
Nationwide $5,996 $5,996
Progressive $7,794 $7,794
State Farm $4,861 $5,241
USAA $3,536 $3,617

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West Palm Beach, FL Cheapest Car Insurance Rates

How do the top West Palm Beach, Florida car insurance companies’ average rates stack up against the West Palm Beach average monthly car insurance rates of $523? Take a look and see.

Best Annual Car Insurance Rates by Company in West Palm Beach, 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

West Palm Beach, FL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in West Palm Beach, Florida

Insurance Company Average Annual Rates
Allstate $9,485
GEICO $5,100
Liberty Mutual $6,938
Nationwide $5,996
Progressive $7,794
State Farm $5,051
USAA $3,577

Other Factors Affecting West Palm Beach, FL Car Insurance Rates

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

West Palm Beach, FL Car Theft Rates

The car theft rate in West Palm Beach, FL will affect your car insurance rates. FBI data shows that the annual car theft rate for West Palm Beach, Florida is 381 stolen cars.

West Palm Beach, FL Commute Time

How does your West Palm Beach, FL commute time compare with the average driver? In West Palm Beach, the average commute is 23.5 minutes.

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West Palm Beach, FL Car Insurance Quotes

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