Since the average price of car insurance in West Palm Beach is almost double the national average cost of car insurance at $3,331 per year for full coverage, or about $278 per month, and $1,204 per year on average for minimum coverage, or about $100 per month, it’s no wonder that shopping for cheaper insurance premiums is a top priority for many drivers in this resort city.


Compare rates and save on auto insurance today!

ZIP code
Close X
Advertising Disclosure
This advertisement is powered by, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age
Badge No spam. No fees. No surprises.

Save on auto insurance with quotes from trusted providers like:


Drivers switch & save an average of $750+/year

Liberty Mutual

Are you overpaying for auto insurance?


Safe drivers choose Allstate®

Powered by (NPN: 19966249)
Insurance Disclosure, LLC is a licensed insurance producer (NPN: 19966249). services are only available in states where it is licensed. may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

See more providers in
Choose from insurers in

While drivers have numerous car insurance options to choose from in West Palm Beach, not all of them are affordable. Based on Bankrate’s analysis of average rate data, Geico offers some of the cheapest car insurance policies on average in West Palm Beach for drivers needing full coverage or minimum coverage insurance policies. Other car insurance companies offering cheaper than average prices on car insurance in this Florida city include State Farm, Allstate and Progressive, according to our research.

Best cheap car insurance companies in West Palm Beach

According to Bankrate’s analysis of average rate data from Quadrant Information Services, some of the cheapest car insurance companies in West Palm Beach include Geico, State Farm and Allstate. But while affordability matters for many drivers in Florida and across the nation, other factors may also play a role when shopping for the best car insurance company.

To help drivers find the best car insurance in Florida, and for West Palm Beach in particular, Bankrate assigned each insurance company a Bankrate Score — using a 5.0 scale — by analyzing factors like customer service, coverage options and availability, as well as pricing and other factors. Bankrate Scores also take into account the scores or rankings that insurance companies receive from J.D. Power, AM Best, and other third-party rating agencies.

Based on our thorough analysis, these are the best cheap car insurance companies in West Palm Beach.

Insurance company Bankrate Score J.D. Power score
(Florida region)
Average annual premium for full coverage Average annual premium for minimum coverage
Geico 4.4 833/1,000 $2,339 $721
State Farm 4.2 840/1,000 $2,706 $1,076
Allstate 3.8 849/1,000 $3,071 $1,148
Progressive 4.2 810/1,000 $4,178 $1,580


Geico’s average rate is the cheapest of the car insurance providers on our list in West Palm Beach. The average annual premium for full coverage from Geico is $2,339 per year, while the average cost of minimum car insurance coverage is $721 per year. In addition to low average rates, Geico is known to offer affordable average rates for high-risk drivers, and both their online and mobile app services are easy to navigate for policy changes, bill paying and claim submissions. While Geico may have fewer coverage options than many of its competitors, the discount selection is robust, with potential discounts for young drivers, student drivers, or driver training. Both active duty and retired military policyholders may be eligible for up to 15 percent off their car insurance, and policyholders can download the DriveEasy telematics app to potentially save money by displaying safe driving behaviors.

Learn more: Geico Insurance review

State Farm

State Farm offers the second-cheapest full and minimum coverage rates on average of the providers on our list with, an average annual premium of $2,706 per year for full coverage car insurance, and an average annual cost of $1,076 for minimum coverage car insurance. The company is known for its robust mobile tools, offering easy policy management and a simple process when it comes time to file a claim. It also provides add-on coverage options, like car rental, travel expenses and emergency roadside service coverage. With programs like Drive Safe & Save and Steer Clear®, State Farm rewards safe drivers and also supports its student and young drivers with multiple potential discounts.

Learn more: State Farm Insurance review


Allstate offers cheap average car insurance rates for drivers in West Palm Beach, and it has the highest J.D. Power customer satisfaction rating out of all the companies on our list. With Allstate, the average cost of a full coverage car insurance policy is $3,071 annually, and the average cost of a minimum coverage car insurance policy is $1,114 per year. In addition to having local agents in every state available to help, Allstate provides policyholders with several optional coverage selections and specialty policies like sound system insurance, Mexico tourist auto insurance, and personal umbrella policies. Discount opportunities are plentiful too, with multiple potential payment discounts that include early signing, responsible payer and EZ pay plan discounts.

Learn more: Allstate Insurance review


When you are looking for specific or unique coverage, Progressive could be your best bet. While Progressive has the highest average annual premium on the list for both full coverage and minimum coverage insurance at $4,178 and $1,580 per year respectively, the car insurance provider offers West Palm Beach drivers options like coverage for pet injuries, custom parts and equipment value. If you are a driver for companies like Uber or Lyft, Progressive also offers rideshare coverage. In addition, drivers can potentially save on their premiums with multiple discount programs, such as the Name Your Price® Tool and its Snapshot telematics program.

Learn more: Progressive Insurance review

How to get and keep the cheapest car insurance in West Palm Beach

Finding the cheapest car insurance companies in West Palm Beach is one thing, but keeping the cheapest rates is another. Keep the following in mind as you are searching for the most affordable rates — and trying to keep those rates in check:

  • Comparison is key. Drivers may not realize how much premiums can vary from one insurance provider to another. By shopping around and comparing multiple quotes, you more easily see which one offers the lowest rates for your needs, or has the best coverage options. Consider exploring car insurance quotes online from multiple providers every so often to ensure you are getting the best deal for your situation.
  • Safety matters. Maintaining a clean driving record and remaining accident-free not only keeps you safer on the road, it helps save money on your premiums. You can save by earning more favorable rates with your insurance provider, plus qualifying for additional discounts, such as claims-free and safe driving discounts.

Frequently asked questions

    • The best car insurance company is determined by factors most important to you. While finding cheap car insurance companies may be a top priority for some, others may focus on selecting a company based on customer service reviews or the financial strength of the carrier. Ultimately, finding a provider that balances all your needs by comparing multiple ones is the most effective way to find the best car insurance company.
    • Almost all major car insurance providers allow you the option to obtain a quote online, but not all providers write car insurance in Florida. To determine availability and get the most accurate quote, have your personal information readily available, including your driver’s license number for everyone on the policy, vehicle identification numbers and vehicle information. Selecting the appropriate coverage is important, too, and you may find it helpful to review all options prior to making a selection. Providing this information up front allows you to see the cost of premiums so you can perform your own comparisons.
    • Car insurance rates in every state are based on a variety of factors, and the cost of car insurance in West Palm Beach is heavily influenced by its congested traffic, high accident rate and a high average influx of tourist drivers. Florida also faces a number of risks related to climate and weather, and the state ranks in sixth place on the Insurance Information Institute’s list of the highest percentage of uninsured motorists as of 2019. While these rating factors are out of your control, you can focus on other factors to try and help keep affordable rates, such as maintaining a good driving history and shopping for car insurance discounts.
    • Bankrate utilizes Quadrant Information Services to analyze 2023 rates for 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 2021 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.

    • Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

      Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

      • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
      • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
      • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.