Boca Raton, FL Car Insurance

The average monthly cost for car insurance in Boca Raton is about $143. To learn more about policy rates and coverage in the Boca Raton area, continue reading our guide below.
Map of cities where drivers can find cheaper car insurance
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How much can residents of Boca Raton expect to pay for their car insurance? How do rates in Boca Raton measure up compared to neighboring areas, including Florida as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:

How much is car insurance in Boca Raton?

Area Average Monthly Car Insurance Premium
Boca Raton$143
FL$123
United States$81

Coverage for your vehicle in Boca Raton will typically run you about $20 a month more than in the rest of Florida.

Likewise, the expected monthly payments for an auto insurance policy in Boca Raton are above the national average. The cost of insuring a vehicle in Boca Raton is about $62 more expensive than the average rate for the rest of the U.S.

While these are the average car insurance rates for Boca Raton, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've analyzed the average rate for Boca Raton and broken down the different factors to help you understand what your monthly bill might look like. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$218
25-34$132
35-44$128
45-54Not Enough Data
55-64$103
65+$134

The longer you've been behind the wheel, the more experienced of a driver you are. That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates climb back up a bit in Boca Raton.

Average Car Insurance Rates by Gender

Gender Average
Male$140
Female$148

Although women typically pay less than men do for auto insurance, this is not the case in Boca Raton, where female drivers pay around $8 more per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$178
Multiple Accidents$192
1 Ticket$174
Multiple Tickets$192

Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. The rate for drivers in Boca Raton with a single accident on their record is about $178 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $174 on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$153
2-3 Years$142
4-5 Years$136
6-7 Years$138
8-10 Years$137
11-14 Years$140
15 Years or Older$156

According to the first table above, SUVs are usually the cheapest vehicles to insure in Boca Raton, with drivers paying around $133 per month for auto insurance.

Truck and van drivers will see rates of about $148 to insure their vehicle, while car owners by and large pay around $147 a month.

The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Boca Raton, the most expensive vehicles to insure are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$151
Married$135
Divorced$104
Widowed$124

Generally, those who are currently married will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

The difference in rates based on relationship status in Boca Raton is about $16 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$134
Rent$146
Live with parents$197

Your housing situation is another component of how insurance companies calculate your monthly rate. Homeowners in Boca Raton can expect to pay around $12 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Boca Raton, FL

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of auto insurance coverage in Boca Raton declined from 2017-2018, before steadying out in 2019. Car insurance rates finished down in 2022, at $123 per month

How does Boca Raton compare to neighboring areas?

Why are car insurance rates in Boca Raton different from other areas?

There are a number of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. Many factors affecting your policy are based around where you live. These factors include things like:

  • Access to off-street parking
  • Area regulations
  • Rate of car accidents
  • Amount of drivers in the region
  • Rate of crime

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Boca Raton?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Fortunately, Compare.com has you covered. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Boca Raton in no time.


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Boca Raton Insurance FAQs

What factors affect car insurance quotes in Boca Raton?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Boca Raton different from other neighboring cities?

Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Boca Raton?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Boca Raton?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Boca Raton or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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