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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|
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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|
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|
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|
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|
|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|
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|
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.