West Palm Beach, FL Car Insurance

West Palm Beach drivers pay, on average, around $175 a month for their car insurance. To learn more about car insurance rates in the West Palm Beach area, read our guide below.
Compared to their surrounding area, how do rates in West Palm Beach stack up? What about against the rest of Florida? What can West Palm Beach residents 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 West Palm Beach?

Area Average Monthly Car Insurance Premium
West Palm Beach$175
FL$123
United States$81

Car insurance policies across the rest of Florida are about $52 a month cheaper than the rates drivers pay in West Palm Beach.

If you're considering relocating to West Palm Beach from out of state, you may want to budget a little extra for your insurance. The cost of insuring a vehicle in West Palm Beach is about $94 more expensive than the average rate for the rest of the U.S.

While these are the average car insurance rates for West Palm Beach, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar 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 so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$455
18-24$229
25-34$175
35-44$177
45-54Not Enough Data
55-64$138
65+$133

Generally, the older you are, the more experienced you are on the roads, right? When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay significantly 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. Having said that, once you approach retirement age your rates may begin to go back up in West Palm Beach.

Average Car Insurance Rates by Gender

Gender Average
Male$166
Female$185

Although women typically pay less than men do for insurance coverage, this is not the case in West Palm Beach, where female drivers pay around $185 per month while male drivers pay about $166.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$202
Multiple Accidents$233
1 Ticket$171
Multiple Tickets$228

Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in West Palm Beach with a single accident will pay around $202 a month. In addition, drivers with one ticket can expect to pay around $171 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$168
2-3 Years$139
4-5 Years$161
6-7 Years$179
8-10 Years$177
11-14 Years$190
15 Years or Older$168

In terms of affordable coverage, the cheapest vehicles to insure in West Palm Beach are by and large trucks and vans, at $160 per month.

SUV drivers will see rates of about $170 for auto insurance coverage, while car owners usually pay around $178 per month.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In West Palm Beach, vehicles eleven-to-fourteen years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$180
Married$166
Divorced$142
Widowed$150

On average, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

In West Palm Beach, the difference in rates based on relationship status can be as much as $14 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$147
Rent$183
Live with parents$215

Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $36 a month more than homeowners in West Palm Beach. Those who live with their parents, however, can expect to pay a lot more.

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 West Palm Beach, FL

Recent trends in car insurance for West Palm Beach drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.

The rates for auto insurance in West Palm Beach declined from 2017-2018, before steadying out in 2019. They finished down in 2022, at $147 a month

How does West Palm Beach compare to neighboring areas?

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

Car insurance companies will take into account several factors when figuring out how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:

  • Number of drivers
  • Off-street parking accessibility
  • Prevalence of crime
  • Laws
  • Road Safety (how many accidents each locality has)

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 learn more.

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 hold on! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies providing auto coverage in West Palm Beach.

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West Palm Beach 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 driving record, address, credit score, and marital status.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.

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

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 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?

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 West Palm Beach 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.

Find your best rate in just a few minutes