West Palm Beach, FL Car Insurance

Drivers in West Palm Beach pay around $174 a month for their car insurance. To find out more check out our guide below.
Map of cities where drivers can find cheaper car insurance
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How do rates in West Palm Beach measure up compared to neighboring areas, including Florida as a whole? How much can residents of West Palm Beach expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

How much is car insurance in West Palm Beach?

Area Average Monthly Car Insurance Premium
West Palm Beach$174
FL$123
United States$80

Looking at the chart above, you can see that it is around $51 a month more expensive to insure your vehicle in West Palm Beach than it is in the rest of Florida.

Drivers relocating the West Palm Beach should take note of the differences in average rates. Coverage in West Palm Beach is about $94 more expensive than it is for the rest of the U.S.

While these are the average car insurance rates for West Palm Beach, 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. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

Don't sweat it however, we've broken down average rates for West Palm Beach 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 sure that you're paying the lowest option, simply enter your ZIP Code below and find out!


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West Palm Beach Car Insurance Rates by Age

Age Range Average Premium
Under 18$455
18-24$228
25-34$174
35-44$176
45-54Not Enough Data
55-64$138
65+$135

It would make sense that older drivers have more driving experience, right? That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may creep back up a bit in West Palm Beach.

West Palm Beach Car Insurance Rates by Gender

Gender Average
Male$164
Female$184

While women typically pay less than men do for auto insurance, West Palm Beach defies this trend. Female drivers typically pay around $20 more per month for car insurance than their male counterparts.

West Palm Beach Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$199
Multiple Accidents$233
1 Ticket$169
Multiple Tickets$228

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in West Palm Beach with one accident will pay around $199 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $169.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

West Palm Beach Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$162
2-3 Years$142
4-5 Years$158
6-7 Years$179
8-10 Years$176
11-14 Years$189
15 Years or Older$166

If you look at the first table above, the cheapest vehicles to insure in West Palm Beach are typically trucks and vans, at $159 per month.

Car owners will see a monthly bill of about $177, while SUV owners by and large pay around $169 a month.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is around 5 years old. In West Palm Beach, vehicles eleven-to-fourteen years old are the most expensive to insure.

West Palm Beach Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$179
Married$164
Divorced$142
Widowed$157

On average, those who are currently married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

The cost of auto insurance in West Palm Beach reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $15 a month.

West Palm Beach Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$147
Rent$181
Live with parents$215

One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $34 a month more than those who own their own home in West Palm Beach. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in West Palm Beach, FL

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.

In West Palm Beach, the rates for auto insurance decreased from 2017-2018, before steadying out in 2019. Car insurance rates finished down in 2022, at $150 per month

How does West Palm Beach compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review a variety of factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Number of car accidents
  • Total number of drivers in the region
  • Off-street parking accessibility
  • Crime levels
  • 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. 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 West Palm Beach?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But wait! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies providing plans in West Palm Beach.


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West Palm Beach Auto Insurance FAQs

What factors affect car insurance quotes in West Palm Beach?

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, driving record, marital status, and address.

Why is the cost of car insurance in West Palm Beach 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 West Palm Beach?

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 West Palm Beach?

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 West Palm Beach 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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