Table of contents
How much is car insurance in West Palm Beach?
|Area||Average Monthly Car Insurance Premium|
|West Palm Beach||$176|
You can see in the chart above that it's around $53 a month more expensive to insure your vehicle in West Palm Beach than it is in the rest of Florida.
Similarly, drivers in West Palm Beach may pay higher rates than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $96 cheaper than it is in West Palm Beach.
Although these are the average car insurance rates in West Palm Beach, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down average rates for West Palm Beach to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may climb back up a bit in West Palm Beach.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in West Palm Beach, where female drivers pay around $22 more a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in West Palm Beach with a single accident will pay around $199 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $181.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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||$167|
|15 Years or Older||$171|
In terms of affordable coverage, the cheapest vehicles to insure in West Palm Beach are usually trucks and vans, at $168 per month.
SUV drivers will see rates of about $172, while the rates for car owners average out to about $178 per month.
Your vehicle's age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old however, your rates may start to dip back down a bit. In West Palm Beach, for example, 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)||$180|
Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. West Palm Beach is no exception, with the difference totaling to around $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$209|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $40 a month more than if you own your own home in West Palm Beach. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in West Palm Beach, FL
Recent trends in car insurance for West Palm Beach drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of car insurance in West Palm Beach increased from 2016-2017, before leveling out in 2018. Insurance rates finished up in 2021, at $168 a 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 a monthly rate, car insurance companies will consider a number 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:
- Regional regulations
- Number of drivers in the community
- General road safety (how many accidents each locality has)
- Amount of off-street parking
- Prevalence of crime
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 West Palm Beach?
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.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in West Palm Beach.
West Palm Beach Insurance FAQs
What factors affect car insurance quotes in West Palm Beach?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, 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 West Palm Beach 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 West Palm Beach?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to West Palm Beach?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to West Palm Beach 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.