Palm Coast, FL Car Insurance

Are rates in Palm Coast higher or lower than those in neighboring areas? How do they compare to the rest of Florida? What rates can residents of Palm Coast expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

---

---

How much is car insurance in Palm Coast?

Based on the chart above, you can see that coverage in Palm Coast typically costs about $34 a month less than it does in the rest of Florida.

On the other hand, the expected monthly payments for an auto insurance policy in Palm Coast are above the national average. It's about $9 more expensive for coverage in Palm Coast than the average rates for the U.S. as a whole.

Bear in mind that while these rates are the average costs for Palm Coast drivers, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

We've done the heavy lifting for you and broken down the average rate for Palm Coast so that you can get a more accurate idea of what your policy will cost you. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

---

---

Palm Coast Car Insurance Rates by Age

The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates begin to increase again in Palm Coast.

Palm Coast Car Insurance Rates by Gender

While women typically pay less than men do for auto insurance, Palm Coast goes against the grain. Female drivers typically pay around $7 more per month for auto insurance coverage than their male counterparts.

Palm Coast Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in Palm Coast with a single accident on their record is about $128 a month. In addition, drivers with one ticket can expect to pay around $104 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Palm Coast Insurance Rates by Vehicle

If you look at the first table above, the cheapest vehicles to insure in Palm Coast are usually trucks and vans, at $79 per month.

Car owners, on the other hand, typically pay around $91 a month, while SUV drivers can expect to pay about $87 per month for insurance coverage.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Palm Coast, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Palm Coast Car Insurance Rates by Relationship Status

More often than not, people who are married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Palm Coast as well, where the difference is around $4 a month.

Palm Coast Car Insurance Rates by Housing Situation

Another factor taken into consideration is your housing status. Homeowners in Palm Coast can expect to pay around $15 a month less than those who rent. 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 premiums, depending on your insurance company.

Car Insurance Companies in Palm Coast, FL

Recent trends in car insurance for Palm Coast 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 deciding when and where to shop.

Car insurance rates in Palm Coast dropped from 2017-2018, before steadying out in 2019. Rates began decreasing again in 2020, and finished down in 2022, at $84.

How does Palm Coast compare to neighboring areas?

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

There are numerous factors car insurance companies will consider when deciding how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and will be influenced by things such as:

• Off-street parking availability
• Crime levels
• Area regulations
• Road Safety (frequency of local car accidents)
• Amount of drivers in the area

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. 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 Palm Coast?

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.

Luckily, Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer plans in Palm Coast.

---

---

Palm Coast Auto Insurance FAQs

What factors affect car insurance quotes in Palm Coast?

The factors that car insurance companies take into account when calculating your monthly cost 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, address, and marital status.

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

Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

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 Coast?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 Coast 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.