West Palm Beach, FL Car Insurance

The average cost of car insurance in West Palm Beach is $265 per month. Read on for more information on how insurance premiums are determined.

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How much does auto insurance cost in West Palm Beach?

 

The average cost of car insurance in West Palm Beach, Florida, is $3,187 per year. That's more than the average in Florida ($2,309) and more costly than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in West Palm Beach.

 
WEST PALM BEACH AUTO INSURANCE RATES
West Palm Beach Average (annual)Florida AverageUnited States Average
$3,187$2,309$1,548
 
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West Palm Beach car insurance costs by company

 

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical insurance customer, State Farm provides West Palm Beach's cheapest rates. We've gathered the best cheap car insurance companies in West Palm Beach below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

 
WEST PALM BEACH CAR INSURANCE RATES BY COMPANY
CompanyAverage Annual Rate
State Farm$2,623
GEICO$2,808
Progressive$3,940
Allstate$4,139
 

Consult our expert guide to finding the best cheap car insurance.

 

West Palm Beach auto insurance premiums by age

The age group that pays the least for car insurance in West Palm Beach are drivers in their 50s ($2,947 per year). Drivers in their 60s pay marginally higher rates — $3,011 per year.

Teenage drivers pay West Palm Beach's most expensive insurance rates. When West Palm Beach drivers hit their 20s, their insurance rates drop substantially. The difference in rates paid by teenage drivers and drivers in their 20s in West Palm Beach is $4,936, the largest such difference between any two age groups.

 
WEST PALM BEACH AUTO INSURANCE COSTS BY AGE
Age tierAverage Annual Rate
Teenagers$8,956
20s$4,020
30s$3,180
40s$3,128
50s$2,947
60s$3,011
70s$3,681
 

Learn more about the impact of age on auto insurance rates.

 

West Palm Beach car insurance rates by gender and marital status

 

In some cases, a driver's marital status and gender may affect their car insurance rates. In West Palm Beach, married drivers pay $118 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in West Palm Beach, single drivers pay more than those who are widowed.

Another component of auto insurance pricing is gender. In West Palm Beach, female drivers pay $113 per year more than do male drivers.

 
WEST PALM BEACH CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$3,300
Male$3,187
Single$3,069
Married$3,069
Divorced$3,187
Widowed$3,137
 

Learn more about the impact gender and marital status have on insurance rates.

 

West Palm Beach car insurance premiums by citation and accident history

 

Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

West Palm Beach drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $1,640 per year versus the city average. A ticket for speeding results in an $807 rate hike, on average, while a DUI violation costs $1,482 per year in insurance premiums.

 
WEST PALM BEACH CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Rate
DWI/DUI$4,670
Reckless Driving$4,827
At-fault Accident (damages < $1,000)$4,389
At-fault Accident (damages greater than $2,000)$4,389
Speeding Ticket (16-20 mph over speed limit)$3,995
 

Learn more about how citations can raise your auto insurance rates.

 

West Palm Beach car insurance rates by credit level

 

An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In West Palm Beach, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 60% drop in car insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In West Palm Beach, improving your credit to "Fair" corresponds with a $2,471 decrease in annual car insurance rates.

 
WEST PALM BEACH CAR INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Yearly Rate
Very Poor$6,405
Fair$3,934
Good$3,187
Very Good$2,874
Exceptional$2,541
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

 

Compare car insurance quotes today!

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.