August 13, 2022

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Best Cheap Car Insurance in West Palm Beach

The best cheap car insurance in West Palm Beach averages $1,547 per year for the average minimum liability coverage policy and $3,101 per year for full coverage. It’s much more than the average cost of car insurance in Florida, which runs $1,101 for minimum coverage and $2,364 for the average full coverage policy.

As of 2021, there are 17,712,85 total drivers in Florida. In Palm Beach County, there are 1,139,324 registered drivers. It’s a lot of drivers on the road for the less than 2,400 square feet that make up the county. In West Palm Beach, it’s more important than ever to shop and compare auto insurance quotes, so you can find the best coverage at the most affordable price.

Best car insurance companies in West Palm Beach

We analyze expert industry rankings and real customer reviews, in addition to comparing each provider’s coverage options, pricing, customer service, availability, and accessibility. Based on our thorough analysis, these are the best cheap car insurance companies in Palm Beach for 2021.

Insurance Company J.D. Power Score Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Allstate 851 / 1000 $1,467 $3,060
Geico 846 / 1000 $976 $2,417
MetLife 821 / 1000 $1,919 $3,623
Progressive 834 / 1000 $1,876 $3,872
State Farm 826 / 1000 $1,420 $2,586


Allstate is one of the best providers for cheap car insurance in West Palm Beach with local agents available to help. In addition to collision and comprehensive coverage, Allstate gives you the option to add protections like sound system insurance, roadside coverage, personal injury protection (PIP) and rental reimbursement coverage. Discounts are plentiful, too, with multiple payment discounts that include early signing, responsible payer and EZ pay plan discounts. There are also programs for the Allstate eSmart® discount and a FullPay® discount when you pay upfront. You may also receive a discount when you buy a new car.


Geico has already low rates on average, and there are also several discounts that may help lower the cost of your car insurance even further. You can earn up to 40{1c85f339815b3f699ae0fdee90a747b715d9a8e52ec31221581a933b2596fac0} off with working air bags or up to 25{1c85f339815b3f699ae0fdee90a747b715d9a8e52ec31221581a933b2596fac0} off when you have an anti-theft system. Geico also rewards many professionals with discounts for federal employees, members of certain groups and employees of specific companies. In addition to PIP coverage, there is also the option to add on extras like emergency roadside assistance, rental reimbursement and mechanical breakdown insurance.


MetLife offers upgraded protections with its car insurance coverage, giving West Palm Beach drivers the option to add additional insurance like new car replacement, special parts replacement and enhanced car rental damage coverage. If you are in an accident, MetLife can help by recommending vendors from its exclusive repair and referral networks. Discounts include loyalty, low annual mileage and occupational and organizational discounts.


When you are looking for specific or unique coverage, Progressive could be your best bet. In addition to coverage for pet injuries, Progressive offers West Palm Beach drivers options like gap insurance, custom parts and equipment value and a deductible savings bank. If you are a driver for companies like Uber or Lyft, Progressive also offers rideshare coverage. You can save extra dollars off your premium each month via multiple discount programs, such as the Name Your Price® Tool and Snapshot with accident forgiveness.

State Farm

State Farm is known for its robust mobile tools, offering easy policy management and a simple process when it comes time to file a claim. There is also valuable coverage like car rental and travel expenses coverage and emergency road service coverage. With programs like Drive Safe & Save and Steer Clear®, State Farm rewards safe drivers and also supports its student drivers with multiple potential discounts, including good student rewards, which can save you up to 25{1c85f339815b3f699ae0fdee90a747b715d9a8e52ec31221581a933b2596fac0} your premium.

Cheapest car insurance in West Palm Beach

With higher property values and more expensive vehicles on the road, West Palm Beach is much more expensive than both the average cost of car insurance in the U.S. and the average cost of car insurance in Florida. While the U.S. averages $565 per year for minimum liability and $1,674 for full coverage, the average cost of car insurance in West Palm Beach is $1,547 per year for minimum liability and $3,101 per year for full coverage. In comparison, the average cost of car insurance in Florida is $1,101 for the average minimum coverage policy and $2,364 for full coverage.

Some car insurance companies are larger than others. Many of the companies on our list hold some of the largest market share in the U.S. for car insurance. This enables them to offer several options for coverage, in addition to some of the cheapest car insurance in West Palm Beach and discounts to match. There are also often technological benefits to working with a larger insurance company, such as State Farm with its robust mobile tools. While USAA offers the cheapest car insurance rates in West Palm Beach, companies like Geico and Progressive also offer competitive coverage and pricing options.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage Market share
State Farm $539 $1,457 16{1c85f339815b3f699ae0fdee90a747b715d9a8e52ec31221581a933b2596fac0}
Geico $433 $1,405 14{1c85f339815b3f699ae0fdee90a747b715d9a8e52ec31221581a933b2596fac0}
Progressive $582 $1,509 12{1c85f339815b3f699ae0fdee90a747b715d9a8e52ec31221581a933b2596fac0}
Allstate $696 $1,921 9{1c85f339815b3f699ae0fdee90a747b715d9a8e52ec31221581a933b2596fac0}
USAA $384 $1,225 6{1c85f339815b3f699ae0fdee90a747b715d9a8e52ec31221581a933b2596fac0}

West Palm Beach insurance requirements

In West Palm Beach, drivers are required to purchase a minimum amount of car insurance. Florida is a no-fault state, which means that each driver is responsible for filing a claim with their insurance company for the losses that each driver sustains.

The state of Florida requires all drivers to maintain the following minimum coverage:

  • $10,000 of personal injury protection (PIP)
  • $10,000 of property damage liability (PDL)

However, many people consider more than just the minimum coverage. If you experience an extreme loss, you could end up having to pay out-of-pocket or face additional debt from losses you cannot afford. If you are currently leasing or financing a vehicle, your contract likely stipulates that you require full coverage insurance on the vehicle, so it’s important to check coverage minimums.

Car insurance discounts in West Palm Beach

There are several types of car insurance discounts that drivers in West Palm Beach may be able use to lower the cost of auto insurance:

  • Bundle policies: Many insurance providers will offer extra savings when you bundle your home and auto insurance with the same company. You can also bundle other types of insurance, such as renters insurance, condo insurance, mobile home insurance, life insurance and even classic car insurance.
  • Drive safely: Being a safe driver can help save you money. Progressive offers its Snapshot program, while State Farm has two safe driving programs, Steer Clear and Drive Safe & Save, that can offer up to 15{1c85f339815b3f699ae0fdee90a747b715d9a8e52ec31221581a933b2596fac0} off your premium. Geico gives you up to 26{1c85f339815b3f699ae0fdee90a747b715d9a8e52ec31221581a933b2596fac0} off for a good driver discount when you are five years accident-free. Allstate and MetLife also offer safe driver discounts.
  • Be a good student: When you receive good grades in school, you could be rewarded with extra savings on your car insurance premium. State Farm offers up to 25{1c85f339815b3f699ae0fdee90a747b715d9a8e52ec31221581a933b2596fac0} off with its Good Student Rewards, in addition to a discount for students away at school. Geico offers up to 15{1c85f339815b3f699ae0fdee90a747b715d9a8e52ec31221581a933b2596fac0} off with its good student discount, while Progressive offers teen drivers and distant student discounts. Allstate and MetLife also reward drivers with good grades.

Frequently asked questions

What is the best car insurance company?

The best car insurance companies of 2021 include several of the providers on our list, including Geico and State Farm, while other providers like USAA, Amica and Erie also make an appearance. Ultimately, the best car insurance company for you will depend on several personal factors, including the state in which you live, the car you drive, your driver record, claims history and credit score.

How much does car insurance in West Palm Beach cost?

The average annual cost of West Palm Beach car insurance is $1,547 for minimum liability and $3,101 for full coverage. However, be sure to shop auto insurance providers to find the cheapest car insurance policy with the coverage that you need.

How much car insurance do I need in West Palm Beach?

West Palm Beach drivers must carry a minimum amount of insurance in order to operate a vehicle. Because Florida is a no-fault state, drivers must maintain $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL).


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.