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How much is car insurance in Palm Coast?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Palm Coast is about $35 cheaper than it is in the rest of Florida.
Drivers relocating the Palm Coast should take note of the differences in average rates. The cost of insuring a vehicle in Palm Coast is about $7 more expensive than the average rate for the rest of the U.S.
Bear in mind that while these rates are the average costs for Palm Coast residents, it doesn't mean that's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Palm Coast residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay $38 more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Palm Coast may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Palm Coast defies this trend. Female drivers typically pay around $5 more per month for car insurance than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Palm Coast, having a single accident on your record will usually get you rates around $119 a month. Similarly, drivers with one ticket will typically pay around $104 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$86|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Palm Coast, with drivers paying around $79 per month for auto insurance coverage.
Car owners, on the other hand, usually pay around $90 a month, while SUV drivers can expect to pay about $85 per month for auto insurance.
Depending on how old your vehicle is, 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 close to 5 years old, however, you may see your rates begin to drop back down. In Palm Coast, 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)||$92|
Generally speaking, those who are currently married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
The difference in rates based on relationship status in Palm Coast can be as much as $5 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||$99|
Another factor that comes into play is your housing status. Renters can expect to pay around $15 a month more than drivers who own property in Palm Coast. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Palm Coast, FL
Recent trends in car insurance for Palm Coast 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 Coast, the rates for auto insurance declined from 2017-2018, before steadying out in 2019. Insurance rates began decreasing again in 2020, and finished down in 2022, at $55.
How does Palm Coast compare to neighboring areas?
Why are car insurance rates in Palm Coast different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Availability of off-street parking
- Rate of car accidents
- Rate of crime
- Regional regulations
- Amount of drivers
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. With the knowledge 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 Coast?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer auto coverage in Palm Coast.
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Palm Coast Insurance FAQs
What factors affect car insurance quotes in Palm Coast?
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, address, marital status and driving record.
Why is the cost of car insurance in Palm Coast 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, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
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 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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Palm Coast or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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