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Best car insurance companies in West Palm Beach

We analyze adept diligence rankings and very customer reviews, in summation to comparing each provider ’ sulfur coverage options, price, customer service, handiness, and approachability. Based on our exhaustive analysis, these are the best cheap car policy 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 bum car insurance in West Palm Beach with local anesthetic agents available to help. In summation to collision and comprehensive coverage, Allstate gives you the option to add protections like voice system policy, wayside coverage, personal injury protection ( PIP ) and rental reimbursement coverage. Discounts are ample, excessively, with multiple payment discounts that include early sign, responsible payer and EZ yield plan discounts. There are besides programs for the Allstate eSmart® rebate and a FullPay® deduction when you pay upfront. You may besides receive a discount when you buy a new car .


Geico has already abject rates on average, and there are besides several discounts that may help lower the monetary value of your cable car insurance even further. You can earn up to 40 % off with working air travel bags or up to 25 % off when you have an anti-theft arrangement. Geico besides rewards many professionals with discounts for federal employees, members of certain groups and employees of specific companies. In addition to PIP coverage, there is besides the choice to add on extras like hand brake wayside aid, rental reimbursement and mechanical breakdown policy .


MetLife offers upgraded protections with its car policy coverage, giving West Palm Beach drivers the option to add extra policy like new cable car refilling, limited parts substitution and enhanced car rental price 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 summation to coverage for pet injuries, Progressive offers West Palm Beach drivers options like col policy, customs parts and equipment value and a deductible savings bank. If you are a driver for companies like Uber or Lyft, Progressive besides offers rideshare coverage. You can save extra dollars off your premium each calendar month via multiple dismiss programs, such as the Name Your Price® Tool and Snapshot with accident forgiveness .

State Farm

department of state farm is known for its full-bodied mobile tools, offering slowly policy management and a simple action when it comes meter to file a claim. There is besides valuable coverage like car lease and travel expenses coverage and hand brake road service coverage. With programs like Drive Safe & Save and Steer Clear®, State Farm rewards dependable drivers and besides supports its student drivers with multiple likely discounts, including good student rewards, which can save you up to 25 % your agio .

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 cable car insurance in the U.S. and the average cost of car policy in Florida. While the U.S. averages $ 565 per year for minimum indebtedness and $ 1,674 for broad coverage, the median cost of cable car insurance in West Palm Beach is $ 1,547 per class for minimum liability and $ 3,101 per year for wide coverage. In comparison, the median monetary value of car indemnity in Florida is $ 1,101 for the average minimal 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 besides much technical benefits to working with a larger insurance company, such as State Farm with its full-bodied mobile tools. While USAA offers the brassy car insurance rates in West Palm Beach, companies like Geico and Progressive besides offer competitive coverage and price options .

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

West Palm Beach insurance requirements

In West Palm Beach, drivers are required to purchase a minimal amount of car insurance. Florida is a no-fault state, which means that each driver is creditworthy for filing a claim with their insurance ship’s company for the losses that each driver sustains. The submit of Florida requires all drivers to maintain the be minimum coverage :

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

however, many people consider more than good the minimal coverage. If you experience an extreme loss, you could end up having to pay out-of-pocket or font extra debt from losses you can not afford. If you are presently leasing or financing a fomite, your sign likely stipulates that you require wax coverage policy on the vehicle, so it ’ s significant to check coverage minimums .

Car insurance discounts in West Palm Beach

There are respective types of car policy discounts that drivers in West Palm Beach may be able function to lower the price of car indemnity :

  • 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% off your premium. Geico gives you up to 26% 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% off with its Good Student Rewards, in addition to a discount for students away at school. Geico offers up to 15% 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 policy companies of 2021 include respective of the providers on our list, including Geico and State Farm, while other providers like USAA, Amica and Erie besides make an appearance. ultimately, the best cable car insurance company for you will depend on several personal factors, including the submit 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 indebtedness and $ 3,101 for entire coverage. however, be certain to shop car policy 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 minimal amount of insurance in order to operate a vehicle. Because Florida is a no-fault department of state, drivers must maintain $ 10,000 of personal wound protection ( PIP ) and $ 10,000 of place wrong indebtedness ( 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 drive record, good recognition and the adopt entire 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 minimal coverage limits, Bankrate used minimum coverages that meet each state ’ second requirements. Our sample distribution drivers own a 2019 Toyota Camry, change 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 .

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