Palm Beach Gardens, FL Car Insurance

On average, Palm Beach Gardens drivers pay a monthly average rate of around $128 for their car insurance. For information on policy rates, coverage, and more check out our guide below.
How do rates in Palm Beach Gardens measure up compared to neighboring areas, including Florida as a whole? What rates can residents of Palm Beach Gardens expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Palm Beach Gardens?

Area Average Monthly Car Insurance Premium
Palm Beach Gardens$128
FL$123
United States$81

Looking at the chart above, you can see that it is around $5 a month more expensive to insure your vehicle in Palm Beach Gardens than it is in the rest of Florida.

The average cost of insuring your vehicle in Palm Beach Gardens is above the national rate. It's around $47 more expensive to insure your vehicle in Palm Beach Gardens compared to the average rate for the rest of the U.S.

While these numbers represent the average monthly payments for coverage in Palm Beach Gardens, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down the average rate for Palm Beach Gardens residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$274
18-24$176
25-34$135
35-44$106
45-54$94
55-64$112
65+$108

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $68 more than someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement, your rates may climb back up a bit in Palm Beach Gardens.

Average Car Insurance Rates by Gender

Gender Average
Male$134
Female$121

Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Palm Beach Gardens is about $13 a month. As illustrated in the table above, male drivers in the area pay about $134 on average, while female drivers pay around $121 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$151
Multiple Accidents$171
1 Ticket$146
Multiple Tickets$108

Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Palm Beach Gardens, a driving record with a single accident will usually get you a rate around $151 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $146.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$77
2-3 Years$149
4-5 Years$124
6-7 Years$112
8-10 Years$122
11-14 Years$140
15 Years or Older$132

As you can see in the first table above, the cheapest vehicles to insure in Palm Beach Gardens are by and large SUVs, which run about $107 per month.

Truck and van drivers will see rates of about $118 for car insurance coverage, while car owners typically pay around $136 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Palm Beach Gardens, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$132
Married$122
Divorced$112
Widowed$59

Generally, married policyholders will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

At a national level, single drivers usually pay more than married couples do for auto insurance. Palm Beach Gardens follows that pattern, with the difference totaling to around $10 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$108
Rent$140
Live with parents$160

Another factor taken into consideration is your living situation. If you rent your home or apartment in Palm Beach Gardens, expect to pay around $32 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.

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

Car Insurance Companies in Palm Beach Gardens, FL

Recent trends in car insurance for Palm Beach Gardens 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 Palm Beach Gardens, auto insurance rates declined from 2017-2018, before leveling out in 2019. Car insurance rates finished down in 2022, at $131 a 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 many factors. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Total number of drivers
  • Access to off-street parking
  • Number of car accidents
  • Rate of crime
  • Local laws

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. Knowing 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 Palm Beach Gardens?

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

But hold on! Compare.com can handle all of this for you. Just type in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering 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 driving record, credit score, marital status, and address.

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

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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 time, regardless of how long is left on your current policy. So, if you've recently moved to Palm Beach Gardens 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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