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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does auto insurance cost in West Palm Beach?

The average cost of car insurance in West Palm Beach, Florida, is $1,593 per six-months. That's more than the average in Florida ($1,154) and more costly than the national average of $880. Keep reading to learn more about how much you can expect to pay based on your age, credit score, and other factors in West Palm Beach.

Car insurance in West Palm Beach vs. Florida Average 6 Mo. Premium
West Palm Beach average $1,593
Florida average $1,154

The Zebra's key takeaways about car insurance in West Palm Beach:

  • The average cost of a car insurance policy in West Palm Beach is $1,593 per six-month policy — $265 per month.
  • The cheapest company in West Palm Beach is State Farm ($1,311).
  • 47% of Zebra customers in West Palm Beach stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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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 gather quotes specific to your unique driving profile.

West Palm Beach car insurance rates by company
Company Avg. 6 Mo. Premium
State Farm $1,311
GEICO $1,404
Progressive $1,970
Allstate $2,069

The Zebra’s auto insurance data methodology

The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data 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 West Palm Beach.

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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 ($1,473 per six-months). Drivers in their 60s pay marginally higher rates — $1,505 per six-months.

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 yearly 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 Avg. 6 Mo. Premium
Teenagers $4,478
20s $2,010
30s $1,590
40s $1,564
50s $1,473
60s $1,505
70s $1,840

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 $1,235 decrease in six-month car insurance rates. Our data tells us 34% of drivers in West Palm Beach have a credit score of good (680-719). 

credit score
West Palm Beach car insurance rates by credit level
Credit Score Avg. 6 Mo. Premium
Very Poor $3,202
Fair $1,967
Good $1,593
Very Good $1,437
Exceptional $1,270

West Palm Beach car insurance premiums by violations

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 Avg. 6 Mo. Premium
DWI/DUI $2,335
Reckless Driving $2,413
At-fault Accident (damages < $1,000) $2,194
At-fault Accident (damages greater than $2,000) $2,194
Speeding Ticket (16-20 mph over speed limit) $1,997

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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.