The average cost of car insurance in West Palm Beach is $3,101 annually, or $258 monthly, for full coverage, and $1,547 per year for minimum coverage. This is almost double the national average and may be one of the reasons why drivers in the area are looking for the cheapest rates possible.

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The cheapest car insurance company in West Palm Beach is Geico, based on Bankrate’s 2021 study of quoted premiums. While drivers in West Palm Beach undoubtedly want to find the most affordable rates, you might want to also consider other factors when researching car insurance companies, such as third-party ratings, coverage options and discounts. Considering all of these factors will help you make the most informed decision possible and find the best car insurance in West Palm Beach for you.

Best cheap car insurance companies in West Palm Beach

The cheapest car insurance companies in West Palm Beach are Geico, State Farm, Allstate and Progressive, based on rates studied from Quadrant Information Services. We analyzed expert industry rankings and real customer reviews, in addition to comparing each provider’s coverage options, pricing, customer service, availability, and accessibility to assign a Bankrate score out of a possible five points. The higher the Bankrate Score, the better the provider ranked in each category.

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 4.7 823/1,000 $2,417 $976
State Farm 4.7 848/1,000 $2,586 $1,420
Allstate 4.0 846/1,000 $3,060 $1,467
Progressive 4.4 822/1,000 $3,872 $1,876


Geico has the cheapest average rates in West Palm Beach on our list for both full and minimum coverage car insurance. Geico also offers several discounts that may help lower the cost of your car insurance even further. For instance, you can earn up to 40% off with working air bags or up to 25% off when you have an anti-theft system, according to its website.

Geico also rewards many professionals, with discount opportunities for federal employees, members of certain groups and employees of specific companies. These discounts may help make up for lower-than-average J.D. Power customer satisfaction ratings Geico received in its 2021 study. Geico also offers the option to add on extras like emergency roadside assistance, rental reimbursement and mechanical breakdown insurance.

Learn more: Geico Insurance review

State Farm

State Farm has higher than average J.D. Power customer satisfaction ratings in Florida as well as the second-cheapest full and minimum coverage rates on our list. 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 offers valuable add-on coverage 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 drivers with multiple potential discounts, including good student rewards, which can save you up to 25% your premium.

Learn more: State Farm Insurance review


Allstate is one of our picks for the best providers for cheap car insurance in West Palm Beach with local agents available to help. In addition to collision and comprehensive coverage, which is part of full coverage car insurance, Allstate gives you the option to add protections like sound system insurance, roadside coverage, personal injury protection (PIP) and rental reimbursement coverage. Discount opportunities are plentiful, too, with multiple potential 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.

Learn more: Allstate Insurance review


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.

While Progressive does not have the lowest average rates on our list, it is still lower than the average rate in West Palm Beach. And you can potentially save on your premium 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 quotes 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. To 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.
    • 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.