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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 Average||United States Average|
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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 gather quotes specific to your unique driving profile.
WEST PALM BEACH CAR INSURANCE RATES BY COMPANY
|Company||Average Annual Rate|
Consult our expert guide to finding the best cheap car insurance or see auto insurance providers with the best consumer and third-party ratings.
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 tier||Average Annual Rate|
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/Gender||Average Yearly Rate|
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/Incident||Average Annual Rate|
|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|
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 Score||Average Yearly Rate|
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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 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.