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MasaoTaira/Getty Images May 04, 2022 Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Bankrate logo

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At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo

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Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo

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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo

Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com 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. 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 and may be one of the reasons why drivers in the area are looking for the cheapest rates possible. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, 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 Coverage.com 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. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com 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 Show More RATE INCREASE ALERT

Rates increased up to 12% this year

Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, 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 Coverage.com 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. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com 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 Show More 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 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 in West Palm Beach. Insurance company Bankrate Score
(Florida region) Average annual premium for full coverage Average annual premium for minimum coverage 4.7 823/1,000 $2,417 $976 4.7 848/1,000 $2,586 $1,420 4.0 846/1,000 $3,060 $1,467 4.4 822/1,000 $3,872 $1,876

Geico

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 . Learn more:

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 and , 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:

Allstate

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 and 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 . 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:

Progressive

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 . 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 telematics program. Learn more:

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

What is the best car insurance company

The 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.

How can I get car insurance online

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.

How much car insurance do I need in West Palm Beach

West Palm Beach drivers must carry a 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).

Methodology

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. SHARE: Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand.

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