In West Palm Beach, the cheapest full coverage and teen driver-friendly options come from Travelers and Nationwide, respectively, differing from GEICO, which provides the most affordable minimum coverage. The best in customer service is Mercury, aligning with its recognition as the best overall for a balance of price and service. The optimal choice for you will depend on your individual preferences and coverage requirements.
Cheapest and Best Car Insurance in West Palm Beach, FL (2024)
Updated: December 19, 2024
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Key Takeaways
In West Palm Beach, drivers seeking the cheapest minimum coverage car insurance can find great savings with GEICO at $773 annually compared to the most expensive option from Direct General Insurance at $2,413, illustrating potential savings of $1,640 by comparing providers.
In West Palm Beach, comparing rates for full coverage car insurance can result in significant savings of up to $2,741 annually, as the cheapest premium offered by Travelers is $1,835 per year, while the most expensive from Direct General Insurance reaches $4,576, underscoring the importance of rate comparison for prospective policyholders.
In West Palm Beach, military drivers can secure the most affordable full coverage car insurance through Travelers at $1,835 per year, offering a more cost-effective option compared to GEICO's rate of $2,100 annually.
Why Trust MoneyGeek? We analyzed 127,836 quotes in Florida, including the city of West Palm Beach, from nine companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for West Palm Beach insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in West Palm Beach, FL, as of July 2024.
127,836 Quotes Analyzed
9Companies Compared
Cheapest Minimum Liability Car Insurance in West Palm Beach
MoneyGeek found that GEICO is the West Palm Beach company with the cheapest car insurance for minimum coverage. The top two most affordable options are:
- GEICO: $773 per year
- Travelers: $871 per year
Direct General Insurance has the priciest minimum coverage policy in the area, costing $2,413 annually.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Minimum Coverage
| GEICO | $773 | $64 |
| Travelers | $871 | $73 |
| Mercury | $1,040 | $87 |
| Allstate | $1,316 | $110 |
| Nationwide | $1,393 | $116 |
| State Farm | $1,401 | $117 |
| Progressive | $1,490 | $124 |
| Farmers | $1,712 | $143 |
| Direct General Insurance | $2,413 | $201 |
For every city in Florida, including West Palm Beach, minimum required car insurance coverage is set by state law. Below are the essentials to keep your wheels legally on the road:
- $10,000 property damage liability per accident
- $10,000 personal injury protection (PIP) per person
Now, imagine you're covered with the minimum policy, and you're responsible for an accident. If your policy includes $10,000 in property damage liability, that's the maximum your insurer will pay out for damages you cause to another's vehicle or property. Any costs above this limit will have to come out of your pocket.
Cheapest Full Coverage Car Insurance in West Palm Beach
MoneyGeek found that Travelers offers the most affordable cheapest full coverage car insurance in West Palm Beach.
- Travelers: $1,835 per year
- GEICO: $2,100 per year
Direct General Insurance has the most expensive full coverage policy at $4,576 annually. The difference between the cheapest and the most expensive is $2,741, highlighting why it's valuable to compare car insurance rates.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
| Travelers | $1,835 | $153 |
| GEICO | $2,100 | $175 |
| State Farm | $2,389 | $199 |
| Progressive | $2,587 | $216 |
| Nationwide | $2,697 | $225 |
| Mercury | $2,871 | $239 |
| Allstate | $2,974 | $248 |
| Farmers | $3,333 | $278 |
| Direct General Insurance | $4,576 | $381 |
A full coverage policy could extend bodily injury liability to $100,000 per individual, accrue $300,000 per accident and incorporate $100,000 in property damage liability for each accident. This type of policy is commonly referred to as 100/300/100.
Full coverage insurance includes both comprehensive and collision insurance.
Collision Insurance: This is essential as it underwrites the costs of repair to your vehicle in the case of a physical collision, whether it be with another car or an object like a tree or light pole. It also covers rollover accidents and pothole damage.
Comprehensive Insurance: provides coverage for your vehicle against a diverse range of non-accident damage such as theft, vandalism, or natural disasters natural disasters and being struck by an animal like a deer.
Considering the high value and potential depreciation of new vehicles, investing in a full coverage policy is recommended. For those owning older vehicles, the extra cost of full coverage might surpass the benefits it offers. To decide how much car insurance you need, consider what coverage you need and the cost you are willing to pay.
Cheapest Car Insurance in West Palm Beach After a Driving Offense
MoneyGeek found that when it comes to finding the cheapest company for drivers with a poor driving record in West Palm Beach, the best option varies based on specific violations.
- Speeding Ticket: Travelers ($2,599 per year)
- At-fault accident: Travelers ($2,720 per year)
- DUI: State Farm ($2,719 per year)
Direct General Insurance consistently shows the most expensive rate at $4,576 for drivers with a speeding ticket and $6,375 after an at-fault accident. Nationwide is the most expensive after a DUI, at $6,351.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
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Incident:Speeding
| Travelers | $2,599 | $217 |
| State Farm | $2,719 | $227 |
| Allstate | $3,160 | $263 |
| Nationwide | $3,234 | $269 |
| Progressive | $3,680 | $307 |
| Farmers | $4,221 | $352 |
| Mercury | $4,243 | $354 |
| GEICO | $4,272 | $356 |
| Direct General Insurance | $4,576 | $381 |
In West Palm Beach, as in many cities, insurance rates typically spike with the gravity of a driving infraction due to heightened risk factors. For example, drivers with a DUI may pay an average of $5,416 annually for car insurance, significantly higher than those with a speeding ticket, who face an average annual rate of $4,730.
Cheapest Car Insurance in West Palm Beach for Teens and Their Families
MoneyGeek found that Nationwide is the cheapest option in West Palm Beach for families needing the cheapest car insurance for teens. Here are the two most affordable providers in the area:
- Nationwide: $4,879 per year for female teens and $5,495 per year for male teens
- GEICO: $6,002 per year for female teens and $6,075 per year for male teens
These annual premiums reflect the cost of a policy combining two parents and a teenager. Progressive offers the most expensive teen family policy, costing $9,314 for female teens, significantly higher than Nationwide's rate.
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Age:16
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Gender:Female
| Nationwide | $4,879 | $8,465 |
| GEICO | $6,002 | $6,429 |
| Travelers | $6,160 | $10,470 |
| State Farm | $6,262 | $6,077 |
| Allstate | $6,860 | $24,866 |
| Farmers | $8,384 | $18,765 |
| Progressive | $9,314 | $12,728 |
In West Palm Beach, the disparity in teen car insurance premiums is stark. On average, an individual teen's annual policy costs $13,773, while being added to a family plan would decrease the premium to about $7,388. This difference is attributed to risk pooling, where the risk associated with young drivers is offset by the typically safer, more experienced drivers in a family policy.
Cheapest Car Insurance in West Palm Beach for Military Drivers
MoneyGeek found that Travelers is the cheapest option for full coverage car insurance tailored to those with military backgrounds in West Palm Beach. For veterans and military personnel looking to save on their car insurance, understanding the options available for the cheapest car insurance for military backgrounds is essential.
- Travelers: $1,835 per year
- GEICO: $2,100 per year
While USAA is recognized for offering competitive rates and services specifically for active duty military members, it is not listed in the provided dataset for West Palm Beach. However, it's worth noting that USAA typically offers some of the most affordable insurance rates on a national level and is known for its tailored services to the military community.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
| Travelers | $1,835 | $153 |
| GEICO | $2,100 | $175 |
| State Farm | $2,389 | $199 |
| Progressive | $2,587 | $216 |
| Nationwide | $2,697 | $225 |
| Mercury | $2,871 | $239 |
| Allstate | $2,974 | $248 |
| Farmers | $3,333 | $278 |
| Direct General Insurance | $4,576 | $381 |
How to Compare Cheap West Palm Beach Car Insurance Quotes Online
Drivers in West Palm Beach can use MoneyGeek’s car insurance calculator to get estimates of rates. You input details such as age, driving history, credit score and desired coverage level alongside a few other specifics to receive instant rate estimates.
Car Insurance Calculator
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Rates updated:
Dec 21, 2024
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Best Car Insurance in West Palm Beach: Overview
Finding the best auto insurance depends on how much you value aspects like service, cost and coverage. MoneyGeek's distinctive scoring system evaluates different categories to help identify the top providers in West Palm Beach that cater to these preferences:
- Best overall: Mercury (MoneyGeek score 82 out of 100)
- Best for service: Mercury (MoneyGeek score 83 out of 100)
- Best cheap: Mercury (MoneyGeek score 86 out of 100)
Mercury emerges as the preeminent choice in the city for overall value, stellar service and affordability, leading in all three categories.
Overall Best Car Insurance in West Palm Beach
MoneyGeek found that Mercury is the standout option in West Palm Beach, offering the best car insurance with a tailored approach for local drivers.
- Mercury: MoneyGeek score of 82 out of 100 ($2,871 per year)
- State Farm: MoneyGeek score of 80 out of 100 ($2,389 per year)
Mercury has a strong balance of satisfaction and claims performance. These areas significantly influence the high MoneyGeek score.
Best OverallMercury
MoneyGeek Score:
82/ of 100
Overview
Mercury's high MoneyGeek score is due to its claims and satisfaction scores, ensuring customers receive top-notch service. It includes both common coverages: roadside assistance and rental car and/or travel reimbursement, signifying a comprehensive policy. Mercury also provides mechanical breakdown insurance, a reasonably common coverage that offers financial relief from unexpected repair costs.
Best Car Insurance in West Palm Beach for Customer Service
MoneyGeek found that Mercury is the best option in West Palm Beach, offering top-tier car insurance for customer service. This distinction is based on strong general satisfaction, proficient claims handling and comprehensive coverages.
- Mercury: MoneyGeek score of 83 out of 100 ($2,871 per year)
- State Farm: MoneyGeek score of 75 out of 100 ($2,389 per year)
Mercury has a commitment to quality service across the board, ensuring policyholders receive exceptional support.
Best for Customer ServiceMercury
MoneyGeek Score:
83/ of 100
Overview
Mercury's impressive MoneyGeek score is chiefly bolstered by its perfect satisfaction and claims scores. Mercury provides useful mechanical breakdown insurance. This is a reasonably common coverage that helps with unexpected repair costs. Mercury also includes both common coverages: roadside assistance and rental car and/or travel reimbursement, signifying a comprehensive policy.
Best Cheap Car Insurance Companies in West Palm Beach
MoneyGeek found that Mercury offers the best cheap car insurance in West Palm Beach, with a comprehensive approach that takes into account not just affordability but also claims handling and customer satisfaction.
- Mercury: MoneyGeek score of 86 out of 100 ($1,040 per year)
- Travelers: MoneyGeek score of 82 out of 100 ($871 per year)
Mercury has a strong performance in claims handling, contributing to it being an excellent choice for cost-effective and reliable car insurance.
Best Cheap CompanyMercury
MoneyGeek Score:
86/ of 100
Overview
Mercury has a high affordability score and offers an average annual premium of just $1040. Drivers enjoy substantial savings on minimum coverage and also benefit from reasonably rare discounts like automatic payment and senior driver discounts. It also offers common discounts like bundling, multiple car, safe driving and good student.
The anti-theft system discount rewards drivers who enhance vehicle security, reducing the risk of theft and potentially lowering insurance costs.
Average Cost of Car Insurance in West Palm Beach
In West Palm Beach, the average car insurance cost is $2,826. Compared to the Florida state average of $2,392, West Palm Beach inhabitants pay extra for their car insurance policies. Florida itself stands above the national average cost of car insurance, which is $1,781.
Car insurance premiums are calculated based on a variety of factors including driving history, credit score, vehicle make and model, and more, with location being a significant contributor. Gainesville boasts the cheapest car insurance at $1,699, while Hialeah is the most expensive at $3,233.
| Brandon | $2,650 |
| Cape Coral | $1,868 |
| Clearwater | $2,273 |
| Coral Springs | $2,635 |
| Davie | $2,567 |
| Fort Lauderdale | $2,605 |
| Gainesville | $1,699 |
| Hialeah | $3,233 |
| Hollywood | $2,724 |
| Jacksonville | $2,113 |
| Lakeland | $2,015 |
| Lehigh Acres | $1,980 |
| Miami | $3,041 |
| Miami Gardens | $2,961 |
| Miramar | $2,556 |
| Orlando | $2,146 |
| Palm Bay | $1,899 |
| Pembroke Pines | $2,508 |
| Pompano Beach | $2,696 |
| Port St. Lucie | $2,009 |
| Spring Hill | $2,152 |
| St. Petersburg | $2,382 |
| Tallahassee | $1,782 |
| Tampa | $2,855 |
| West Palm Beach | $2,826 |
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.