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How much is car insurance in Boynton Beach?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $42 a month more expensive to insure your vehicle in Boynton Beach than it is in the rest of Florida.
Similarly, Boynton Beach residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $84 more expensive to insure your vehicle in Boynton Beach compared to the average rate for the rest of the U.S.
Bear in mind that while these rates are the average costs for drivers in Boynton Beach, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
We've done the heavy lifting for you and broken down the average rate for Boynton Beach so that you can get a more accurate idea of what your policy will cost you. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates rise again in Boynton Beach.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Boynton Beach, although men do pay a bit less on their monthly auto coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Boynton Beach, a driving record with one accident will usually get you a rate around $195 a month. Likewise, drivers with one ticket will be looking at a rate of around $333 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$152|
|15 Years or Older||$146|
In Boynton Beach, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $117 per month for insurance coverage.
SUV drivers will see rates of about $172, while the rates for car owners average out to about $167 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. In Boynton Beach, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$172|
Generally, those who are currently married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
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 $29 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$320|
Another factor that comes into play is your housing status. In Boynton Beach, homeowners can expect to pay around $35 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
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
Recent trends in car insurance for Boynton Beach drivers
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.
In Boynton Beach, the rates for auto insurance went up from 2016-2017, before leveling out in 2018. Car insurance rates finished up in 2021, at $155 per month
How does Boynton Beach compare to neighboring areas?
Why are car insurance rates in Boynton Beach different from other areas?
Car insurance companies will take into account a variety of factors when they're figuring out how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Amount of off-street parking
- Total amount of drivers in the community
- Prevalence of crime
- Local regulations
- Rate of car accidents
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Boynton Beach?
While knowing 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.
Good news! Compare.com can handle all of this for you. Just enter your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies providing auto coverage in Boynton Beach.
Boynton Beach 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 age and gender but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Boynton Beach different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Boynton Beach?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Boynton Beach?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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 Boynton Beach 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.