West Palm Beach Car Insurance

The Zebra
May 30, 2018

Car Insurance in West Palm Beach

Premiums in West Palm Beach are 35% greater than Florida's average, which is why the city is recognized for its expensive premiums, so in West Palm Beach, it is imperative to save while insuring a vehicle. Keep some money in your pocket by following the tips below about how to save on car insurance in West Palm Beach.

  • City Average: $2,539
  • State Average: $1,878
  • National Average: $1,427

West Palm Beach Car Insurance by Age

The most significant drop in premiums between any age group is from the teenage age bracket to the 20s, as drivers in West Palm Beach start paying 54% less in premiums. The first time drivers can anticipate their age to trigger a rise in car insurance premiums is when they turn 60. Teenage drivers have the biggest premiums of any age group, with car insurance payments of $7,101 on average. At $2,332, drivers in their 50s have the lowest insurance rates among any age group. However, people in their 60s ($2,378) have premiums that aren't much higher.

  • Teenagers: $7,101
  • 20s: $3,295
  • 30s: $2,530
  • 40s: $2,485
  • 50s: $2,332
  • 60s: $2,378
  • 70s: $2,893

West Palm Beach Car Insurance by Gender and Marital Status

Various driver traits, including gender and marital status, impact car insurance premiums in West Palm Beach. Generally, males have premiums that are 3% cheaper than those for females. Rates for those who are widowed are relatively cheaper than rates for those who are single. People who are married save roughly 4% per year on car insurance compared to those who are single or divorced.

  • Female: $2,625
  • Male: $2,539
  • Single: $2,539
  • Married: $2,443
  • Divorced: $2,539
  • Widowed: $2,488

West Palm Beach Car Insurance by Accident or Violation History

Possessing a flawless driving record is vital if you want to keep the expense of rates low. Speeding 16-20mph over the speed limit can cost you in terms of insuring your vehicle. People with a speeding ticket on their record spend, on average, 29% more per year. In general, a DUI in West Palm Beach will cost you 52% more in car insurance premiums versus the city average ($2,539). Reckless driving will push your premiums up as well, with average rates of $3,821. That is 50% higher than the city average!

  • DUI: $3,861
  • Reckless Driving: $3,821
  • At-fault Accident (damages less than $1000): $3,495
  • At-fault Accident (damages greater than $2000): $3,495
  • Speeding Ticket (16-20 mph over speed limit): $3,285

West Palm Beach Car Insurance by Credit Rating

Drivers with Very Poor credit (300-579) usually pay more than twice as much each year on premiums than those with Exceptional credit (800-850). Drivers can save close to 19% per year when they raise their credit tier from Fair (580-669) to Good (670-739).

  • Very Poor: $4,899
  • Fair: $4,011
  • Good: $3,263
  • Very Good: $2,663
  • Exceptional: $2,216

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