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Car Insurance in West Palm Beach

Compare car insurance costs in West Palm Beach, Florida (2024)

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Car Insurance in West Palm Beach, FL

West Palm Beach is an exclusive Florida city known for its opulence and wealth. Palm Beach has everything you might want, providing quick access to miles of stunning shoreline and fantastic dining and shopping options. Plus, it's not particularly overcrowded, ranking 18th of Florida's largest cities.

Driving in West Palm Beach isn't too tricky, as traffic congestion tends only to occur during the rush hour commute on I-95. However, West Palm Beach residents who work in Miami or Fort Lauderdale may face longer drives.

Like other Florida cities, West Palm Beach requires vehicle owners to purchase auto insurance with a minimum of $10,000 in property damage liability and $10,000 in personal injury protection. Your lender may require more coverage if you have an auto loan or lease.

To minimize your costs, compare car insurance quotes in West Palm Beach. To get started, set up a profile with EverQuote. We'll help you find the car coverage in West Palm Beach that suits your budget.


How much is car insurance in West Palm Beach, FL?

The overall expense of car insurance in West Palm Beach largely depends on the coverage options you're interested in. To provide a general idea of what you might pay, below are the average costs for the three most popular types of coverage in the city:

$162
State Minimum
$276
Full 50/100
$295
Full 100/300

Auto Insurance Cost Methodology
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Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.

What are the cheapest cars to insure in West Palm Beach?

Evaluating and comparing the insurance costs for each possible car make, model, and year within the city can be a complex task. Nevertheless, if you're interested in identifying which recent models generally offer more cost-effective insurance, take a look at these top 10 most budget-friendly car makes and models in West Palm Beach:


RankMake and ModelAverage Monthly Premium
1Subaru Forester$249
2Honda Cr-V$258
3Honda Odyssey$266
4Ford F-150$267
5Toyota Rav4$276
6Toyota Corolla$277
7Toyota Tacoma$278
8Chevrolet Silverado$281
9Kia Sol$282
10Toyota Tundra$283
Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024


How do claims and violations impact my total cost?

Your driving history plays a critical role in determining your car insurance premiums. Various driving incidents, including minor collisions, major accidents, speeding tickets, DUIs, or hit-and-run occurrences, can affect your insurance rates in the city. Here's a view of how common claims and violations can change your rates in West Palm Beach, listed from the least impactful to the most impactful:


Violation or ClaimAverage Monthly CostPrice Difference
No Claims or Violations$276-
Not at-fault Accident$301+9%
Driving with expired registration$327+18%
Speeding Ticket$359+30%
DUI$393+42%
Driving with a suspended license$413+50%
At-fault Accident$418+51%
Hit and Run$433+57%


What car insurance discounts can I get in West Palm Beach?

In West Palm Beach, there are numerous discounts available to help reduce the cost of your insurance. These include bundling policies, paying your entire premium upfront, switching to paperless billing, and securing renewal discounts, among others. Below, you will find a list of these discounts ranked from the greatest to the least in terms of savings potential, offering you a clear view of the opportunities to lower your expenses:


Potential DiscountsAverage Monthly CostMonthly Savings
Multi-Policy Home$245+$31
Paid in Full$249+$27
Low Mileage$262+$14
Multi-Policy Renters$265+$11
Renewal discount$268+$8
Paperless$272+$4
Electronic Funds Transfer$272+$4
None$276-


Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.