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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

How much does car insurance cost in Boca Raton?

The typical Boca Raton driver pays $1,478 per six-months for car insurance coverage. That's pricier than the statewide average in Florida ($1,154) and more expensive than the national average of $880. Our guide to car insurance in Boca Raton includes average premiums based on age, credit score, and other factors. Read on to learn more!

Car insurance in Boca Raton vs. Florida Average 6 Mo. Premium
Boca Raton average $1,478
Florida average $1,154

The Zebra's key takeaways about car insurance in Boca Raton:

  • The average cost of a car insurance policy in Boca Raton is $1,478 per six-month policy — $246 per month.
  • The cheapest company in Boca Raton is State Farm ($1,039).
  • 53% of Zebra customers in Boca Raton stated they used our product because they were paying too much for car insurance with their current provider.

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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. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.

Cheapest car insurance companies in Boca Raton, FL
Company Avg. 6 Mo. Premium
State Farm $1,039
GEICO $1,397
Progressive $1,758
Allstate $1,878

The Zebra’s auto insurance data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Shop around for the best rates

The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Boca Raton.

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Boca Raton auto insurance rates by age

Our data tells us that drivers between the ages of 70-79 make up 25% of Boca Raton drivers. The age bracket that pays the least for auto insurance in Boca Raton consists of drivers in their 50s, who pay an average of $1,367 per six-months. Those in their 60s don't pay much more ($1,382).

Teenage 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.

Boca Raton auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $3,955
20s $1,847
30s $1,496
40s $1,473
50s $1,367
60s $1,382
70s $1,652

Boca Raton car insurance rates by credit score

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 $544 in savings on insurance premiums each six-months. Our data tells us 45% of drivers in Boca Raton have a credit score of excellent (720+). 

credit score
Boca Raton auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $2,831
Fair $2,287
Good $1,898
Very Good $1,567
Exceptional $1,251

Boca Raton car insurance rates by violation

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 $1,513 per year in insurance premiums.

Boca Raton auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DUI/DWI $2,234
Reckless Driving $2,308
At-fault Accident (damages < $1,000) $2,057
At-fault Accident (damages greater than $2,000) $2,057
Speeding Ticket (16-20 mph over speed limit) $1,879

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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 editorial 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.