Table of contents
How much is car insurance in Boynton Beach?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Boynton Beach is about $50 a month more expensive than the rest of Florida.
Compared to the national average cost of auto coverage, Boynton Beach has higher rates. The cost of auto coverage in Boynton Beach is about $92 more expensive than the national average.
While these are the average costs to insure your vehicle in Boynton Beach, keep in mind that you could end up paying a different amount. 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 broken down the average rates for Boynton Beach to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Drivers in Boynton Beach may see their rates creep back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Boynton Beach, where female drivers pay around $18 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Boynton Beach, a driving record with a single accident will usually get you a rate around $208 a month. Likewise, drivers with one ticket will be looking at a rate of around $209 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$150|
|15 Years or Older||$155|
According to the first table above, the cheapest vehicles to insure in Boynton Beach are by and large trucks and vans, at $140 per month.
SUV drivers will see rates of about $192, while the rates for car owners average out to about $173 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is around 5 years old. The most expensive vehicles to insure in Boynton Beach are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$183|
On average, those who have settled down into marriage will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Boynton Beach can be as much as $40 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$310|
Another factor taken into consideration is your housing status. Drivers who own property in Boynton Beach can expect to pay around $46 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Boynton Beach, FL
Recent trends in car insurance for Boynton Beach drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
Auto insurance rates in Boynton Beach decreased from 2017-2018, before steadying out in 2019. They finished down in 2022, at $184 per month
How does Boynton Beach compare to neighboring areas?
Why are car insurance rates in Boynton Beach different from other areas?
There are a number of factors car insurance companies take into consideration when deciding how much to charge for coverage. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Crime rates
- Access to off-street parking
- Regional laws
- Road safety
- Total number of drivers in the community
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different towns and cities will all have different average rates, so guides like these are a great 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.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing coverage in Boynton Beach.
Boynton Beach Insurance FAQs
What factors affect car insurance quotes in Boynton Beach?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.
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 local laws, parking situations, and crime rates -- 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 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 Compare.com to find out for sure.