Boca Raton, FL Car Insurance

What is the average cost of car insurance in Boca Raton?

 

The typical Boca Raton driver pays $2,956 per year for car insurance coverage. That's pricier than the statewide average in Florida ($2,309) and more expensive than the national average of $1,548. Our guide to car insurance in Boca Raton — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history and marital status. Read on for more information.

 

AUTO INSURANCE: BOCA RATON RATES VS. STATE + NATIONAL AVERAGES

Boca Raton Average (annual)	Florida Average	National Average
$2,956	$2,309	$1,548

 

Table of contents:

• Company
• Age
• Gender
• Driving record
• Credit score

 

Boca Raton car insurance rates by company

 

The company-by-company differences in car insurance rates can be substantial, so it's important to be thorough when comparing quotes and choosing your auto insurer. In Boca Raton, State Farm provides the most affordable rates for the typical insurance customer. Reference below the top options for affordable insurance in Boca Raton. Don't forget to get car insurance quotes based on your unique driving profile.

 

BOCA RATON AUTO INSURANCE RATES BY COMPANY

Company	Average Yearly Rate
State Farm	$2,079
GEICO	$2,795
Progressive	$3,517
Allstate	$3,756

 

Check out our guide to learn how to find the best cheap car insurance.

 

 

Boca Raton car insurance premiums by age

The age bracket that pays the least for auto insurance in Boca Raton consists of drivers in their 50s, who pay an average of $2,734. Those in their 60s don't pay much more ($2,765).

Teen drivers pay Boca Raton's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Boca Raton is to age out of your teens. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Boca Raton is $4,216, the largest such difference between any two age brackets.

 

CAR INSURANCE RATES BY AGE TIER IN BOCA RATON

Age tier	Average Yearly Rate
Teenagers	$7,910
20s	$3,694
30s	$2,993
40s	$2,947
50s	$2,734
60s	$2,765
70s	$3,304

 

Learn more about the impact of age on car insurance premiums.

 

 

Boca Raton car insurance premiums by gender and marital status

 

In some cases, a driver's marital status and gender may affect their car insurance rates. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Boca Raton pay $117 less than single drivers for auto insurance.

Gender is yet another factor that can affect auto insurance premiums. In Boca Raton, female drivers pay more for auto insurance than do male drivers: $93 per year, to be precise.

 

INSURANCE RATES IN BOCA RATON BY MARITAL STATUS AND GENDER

Gender/Marital Status	Average Yearly Rate
Female	$3,049
Male	$2,956
Single	$2,956
Married	$2,839
Divorced	$2,956
Widowed	$2,902

 

Learn more about how gender and marital status have on auto insurance rates.

 

 

Boca Raton auto insurance premiums by incident history

 

Keeping a clean driving record is a goodway to minimize your insurance rates. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents can lead to increases in your auto insurance rates.

Boca Raton drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $1,660 per year versus the city average. A ticket for speeding results in an $803 rate increase, on average, while a DUI violation costs $1,513per year in insurance premiums.

 

BOCA RATON CAR INSURANCE RATES AFTER A COLLISION OR CITATION

Violation	Average Yearly Rate
DUI/DWI	$4,469
Reckless Driving	$4,616
At-fault Accident (damages < $1,000)	$4,114
At-fault Accident (damages greater than $2,000)	$4,114
Speeding Ticket (16-20 mph over speed limit)	$3,759

 

Learn more about the impact of driving violations on car insurance rates.

 

 

Boca Raton auto insurance rates by credit level

 

Another major insurance rating factor is credit score. Drivers with poor credit histories typically face more expensive car insurance than do drivers with stellar credit. Boca Raton drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 56% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to bring down the cost of your auto insurance. In Boca Raton, improving your credit to "Fair" could help you earn $1,088 in savings on insurance premiums each year.

 

BOCA RATON CAR INSURANCE RATES BY CREDIT SCORE

Credit Score	Average Annual Rate
Very Poor	$5,663
Fair	$4,575
Good	$3,797
Very Good	$3,134
Exceptional	$2,503

 

Learn more about the relationship between credit and car insurance.