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How much is car insurance in Palm Beach Gardens?
|Area||Average Monthly Car Insurance Premium|
|Palm Beach Gardens||$128|
As you can tell from the chart above, the cost of coverage in Palm Beach Gardens is about $5 a month more expensive than the rest of Florida.
Drivers relocating the Palm Beach Gardens should take note of the differences in average rates. The average monthly payment for the rest of the U.S. is about is about $48 cheaper than it is in Palm Beach Gardens.
Although these are the average monthly costs for an auto insurance policy in Palm Beach Gardens, that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, 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 what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Palm Beach Gardens Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may creep back up a bit in Palm Beach Gardens.
Palm Beach Gardens Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. This is true in Palm Beach Gardens, where male drivers pay about $13 more per month. Looking at the table above, you can see that female drivers pay around $121 on average, while male drivers typically pay $134 each month.
Palm Beach Gardens Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay significantly less than those with infractions. In Palm Beach Gardens, having a single accident on your record will usually get you rates around $151 a month. In addition, drivers with one ticket can expect to pay around $146 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Palm Beach Gardens Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$77|
|15 Years or Older||$130|
If you look at the first table above, the cheapest vehicles to insure in Palm Beach Gardens are typically SUVs, at $109 per month.
Truck and van drivers will see rates of about $116 for insurance coverage, while car owners usually pay around $137 a month.
You can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Palm Beach Gardens, the most expensive vehicles to insure are vehicles two-to -three years old.
Palm Beach Gardens Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$133|
On average, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
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 $13 a month.
Palm Beach Gardens Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$150|
Another factor that comes into play is your housing situation. If you rent your home or apartment in Palm Beach Gardens, expect to pay around $32 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Palm Beach Gardens, FL
Recent trends in car insurance for Palm Beach Gardens drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
Auto insurance rates in Palm Beach Gardens declined from 2017-2018, before steadying out in 2019. They finished down in 2022, at $133 per month
How does Palm Beach Gardens compare to neighboring areas?
Why are car insurance rates in Palm Beach Gardens different from other areas?
There are many factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Road Safety (frequency of local car accidents)
- Total number of drivers
- Community regulations
- Access to off-street parking
- Area crime rates
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?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing plans in Palm Beach Gardens.
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Palm Beach Gardens Auto 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 gender and age but also factors like your vehicle's year, make and model, as well as 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 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 Compare.com 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 Palm Beach Gardens?
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 Compare.com 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Palm Beach Gardens or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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