Palm Beach Gardens, FL Car Insurance

The average cost for car insurance in Palm Beach Gardens is about $120 a month. We cover plan rates, policies and more in our guide below.
What should residents of Palm Beach Gardens expect to pay for their car insurance? How do rates in Palm Beach Gardens 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 Palm Beach Gardens?

Area Average Monthly Car Insurance Premium
Palm Beach Gardens$120
FL$122
United States$80

As you can see in the chart above, it costs about the same to insure your vehicle in Palm Beach Gardens as it does in the rest of Florida.

Compared to the national average cost of auto coverage, Palm Beach Gardens has higher rates. It's about $40 more for coverage in Palm Beach Gardens than in the rest of the U.S.

While these are the average car insurance rates for Palm Beach Gardens, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.

Don't sweat it however, we've broken down average rates for Palm Beach Gardens residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$274
18-24$165
25-34$123
35-44$94
45-54$96
55-64$112
65+$93

The older you are, the more experience you're likely to have on the roads, right? When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $72 more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, you may see your rates begin to go back up in Palm Beach Gardens.

Average Car Insurance Rates by Gender

Gender Average
Male$126
Female$114

In general, women pay slightly less for car insurance than men. In Palm Beach Gardens, male drivers pay about $12 more a month. As you can see in the table above, female drivers in the area typically pay $114 on average, while female drivers typically pay $126 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$152
Multiple Accidents$143
1 Ticket$202
Multiple TicketsNot Enough Data

Rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Palm Beach Gardens, a driving record with a single accident will usually get you a rate around $152 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $202.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$74
2-3 Years$124
4-5 Years$121
6-7 Years$104
8-10 Years$105
11-14 Years$138
15 Years or Older$126

In Palm Beach Gardens, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $98 per month to insure their vehicle.

Car owners, on the other hand, typically pay around $127 per month, while truck and van drivers can expect to pay about $116 a month for auto insurance.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. In Palm Beach Gardens, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$124
Married$109
Divorced$112
Widowed$59

Generally, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Palm Beach Gardens is no exception, with the difference totaling to around $15 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$100
Rent$128
Live with parents$143

One other element taken into consideration is your living accommodations. In Palm Beach Gardens, homeowners can expect to pay around $28 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

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 average premiums.

Car Insurance Companies in Palm Beach Gardens, FL

Recent trends in car insurance for Palm Beach Gardens drivers

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.

The cost of insurance in Palm Beach Gardens rose from 2016-2017, before leveling out in 2018. Insurance rates finished up in 2021, at $120 per month

How does Palm Beach Gardens compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:

  • Amount of drivers in the region
  • Local crime rates
  • Off-street parking accessibility
  • Road Safety (how many accidents each locality has)
  • Regional laws

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Palm Beach Gardens?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing auto coverage in Palm Beach Gardens.

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Palm Beach Gardens Insurance FAQs

What factors affect car insurance quotes in Palm Beach Gardens?

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 Palm Beach Gardens different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

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 by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Palm Beach Gardens?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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 Palm Beach Gardens 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.

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