Boynton Beach, FL Car Insurance

On average, Boynton Beach drivers pay a monthly average rate of around $173 for their car insurance. For more information refer to our guide below.
Map of cities where drivers can find cheaper car insurance
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How do rates in Boynton Beach measure up compared to neighboring areas, including Florida as a whole? What rates should residents of Boynton Beach expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

How much is car insurance in Boynton Beach?

Area Average Monthly Car Insurance Premium
Boynton Beach$173
United States$80

Looking at the chart above, you can see that it is around $50 a month more expensive to insure your vehicle in Boynton Beach than it is in the rest of Florida.

Compared to the national average cost of auto coverage, Boynton Beach has higher rates. The cost of insuring a vehicle in Boynton Beach is about $93 more expensive than the average rate for the rest of the U.S.

While these numbers represent the average monthly payments for coverage in Boynton Beach, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've analyzed the average rate for Boynton Beach and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Boynton Beach Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
45-54Not Enough Data

More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay $164 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates creep back up a bit in Boynton Beach.

Boynton Beach Car Insurance Rates by Gender

Gender Average

Despite the national trend of women paying less than men for insurance coverage, in Boynton Beach men actually pay $166 per month for coverage while women pay $185.

Boynton Beach Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$207
Multiple Accidents$267
1 Ticket$209
Multiple Tickets$296

One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Boynton Beach, having a single accident on your record will usually get you rates around $207 a month. In addition, drivers with one ticket can expect to pay around $209 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Boynton Beach Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$150
2-3 Years$159
4-5 Years$175
6-7 Years$211
8-10 Years$181
11-14 Years$182
15 Years or Older$156

The cheapest vehicles to insure in Boynton Beach are usually trucks and vans, with each type typically costing about $140 per month.

Car owners, on the other hand, typically pay around $173 per month, while SUV drivers can expect to pay about $192 a month to insure their vehicle.

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, once your car is a few years old, you may start to see your monthly premium drop back down. In Boynton Beach, the most expensive vehicles to insure are vehicles six-to-seven years old.

Boynton Beach Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$183

Overall, married policyholders will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Boynton Beach, with married couples paying about $38 less per month.

Boynton Beach Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Live with parents$310

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Boynton Beach, expect to pay around $46 a month more than if you own your home. But if you live with your parents, your rates will be significantly higher.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Boynton Beach, FL

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

In Boynton Beach, the rates for car insurance had been decreasing from 2017-2018, when they hit a low of $134. Rates started to rise in 2021, and this pattern has continued through 2022, when rates have most recently reached $185.

How does Boynton Beach compare to neighboring areas?

Why are car insurance rates in Boynton Beach different from other areas?

Car insurance companies look at many factors when they're deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:

  • Amount of drivers
  • Off-street parking access
  • Regional regulations
  • Crime rates
  • Road Safety (frequency of car accidents)

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Boynton Beach?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! does all of that work for you. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Boynton Beach.

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Boynton Beach Auto Insurance FAQs

What factors affect car insurance quotes in Boynton Beach?

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 vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

Why is the cost of car insurance in Boynton Beach different from other neighboring cities?

Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Boynton Beach?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Boynton Beach?

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 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Boynton Beach or are wondering if you're paying the best rate for your current area, take 10 minutes and visit to find out for sure.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

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