In South Florida, there are almost as many vehicles as there are people. Census data shows that Palm Beach County had a population of 1.58 million in 2024. In December of that year, more than 1.1 million automobiles and pickup trucks were registered in the county, according to the Florida Department of Highway Safety and Motor Vehicles.
With all that competition for space on the roads, it’s wise to carry a solid car insurance policy. To help you shop for coverage, we’ve gathered data from Jerry customers in West Palm Beach to help you understand how pricing can vary based on factors like your age, preferred coverage level and driving history.
Cheapest minimum coverage in West Palm Beach
Here are the cheapest quotes that drivers in West Palm Beach have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $48 | $576 | Progressive | 67 | August 30, 2024 | West Palm Beach, FL | 33403 |
| $52 | $626 | Progressive | 49 | April 25, 2024 | West Palm Beach, FL | 33409 |
| $56 | $666 | Progressive | 47 | October 17, 2024 | West Palm Beach, FL | 33413 |
| $59 | $706 | Progressive | 60 | July 26, 2024 | West Palm Beach, FL | 33411 |
| $65 | $782 | Progressive | 27 | February 18, 2025 | West Palm Beach, FL | 33407 |
| $66 | $790 | Progressive | 60 | April 26, 2025 | West Palm Beach, FL | 33417 |
| $67 | $800 | Progressive | 35 | June 21, 2024 | West Palm Beach, FL | 33406 |
| $70 | $834 | Bristol West | 25 | April 11, 2025 | West Palm Beach, FL | 33407 |
| $72 | $864 | National General | 67 | January 27, 2025 | West Palm Beach, FL | 33407 |
| $73 | $870 | National General | 26 | January 22, 2025 | West Palm Beach, FL | 33411 |
Florida requires drivers to carry a minimum amount of these coverage types:
- $10,000 in personal injury protection (PIP) coverage.
- $10,000 in property damage liability coverage.
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage in West Palm Beach
West Palm Beach’s flat and coastal geography causes the city to flood easily when intense rains and tropical storms hit, which could potentially cause damage to your car. In this situation, minimum coverage won’t pay for your repairs but full coverage may, in addition to other incidents like theft, vandalism, fire and collisions.
These are the cheapest quotes for full coverage that drivers in West Palm Beach have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $34 | $404 | Progressive | 76 | January 1, 2025 | West Palm Beach, FL | 33409 |
| $52 | $626 | Progressive | 49 | April 25, 2024 | West Palm Beach, FL | 33409 |
| $59 | $706 | Progressive | 60 | July 26, 2024 | West Palm Beach, FL | 33411 |
| $63 | $754 | Progressive | 59 | December 30, 2023 | West Palm Beach, FL | 33415 |
| $77 | $928 | Progressive | 42 | April 6, 2025 | West Palm Beach, FL | 33404 |
| $81 | $968 | Progressive | 36 | February 23, 2025 | West Palm Beach, FL | 33415 |
| $84 | $1,008 | Progressive | 46 | December 22, 2024 | West Palm Beach, FL | 33407 |
| $90 | $1,084 | Progressive | 58 | December 23, 2023 | West Palm Beach, FL | 33407 |
| $96 | $1,154 | Progressive | 49 | April 29, 2024 | West Palm Beach, FL | 33407 |
| $100 | $1,194 | Progressive | 35 | January 29, 2025 | West Palm Beach, FL | 33411 |
Cheapest car insurance for young drivers in West Palm Beach (18-29 years old)
Young drivers tend to pay the most for car insurance because they have little driving experience, which insurers view as risky. These premiums get cheaper as they enter their late 20s and early 30s. These are the cheapest quotes in West Palm Beach for drivers between 18 and 29 years old, according to Jerry’s data.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $65 | $782 | Progressive | 27 | No | February 18, 2025 | West Palm Beach, FL | 33407 |
| $70 | $834 | Bristol West | 25 | No | April 11, 2025 | West Palm Beach, FL | 33407 |
| $73 | $870 | National General | 26 | No | January 22, 2025 | West Palm Beach, FL | 33411 |
| $73 | $874 | Progressive | 28 | No | January 14, 2024 | West Palm Beach, FL | 33409 |
| $88 | $1,052 | Embark General | 29 | No | January 2, 2024 | West Palm Beach, FL | 33411 |
Cheapest car insurance for mature draivers in West Palm Beach (30-54 years old)
Mature drivers in West Palm Beach typically pay less than younger drivers, but shopping for quotes regularly will continue to help you find the cheapest rates. These are the cheapest quotes for mature drivers in West Palm Beach, based on Jerry’s quote data.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $52 | $626 | Progressive | 49 | Yes | April 25, 2024 | West Palm Beach, FL | 33409 |
| $56 | $666 | Progressive | 47 | No | October 17, 2024 | West Palm Beach, FL | 33413 |
| $67 | $800 | Progressive | 35 | No | June 21, 2024 | West Palm Beach, FL | 33406 |
| $73 | $876 | Progressive | 33 | No | June 19, 2024 | West Palm Beach, FL | 33406 |
| $77 | $928 | Progressive | 42 | Yes | April 6, 2025 | West Palm Beach, FL | 33404 |
Cheapest car insurance for older drivers in West Palm Beach (55+ years old)
Older drivers generally pay the least for car insurance until they reach their 70s, when prices may start increasing. These are the cheapest quotes that older drivers in West Palm Beach have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $34 | $404 | Progressive | 76 | January 1, 2025 | West Palm Beach, FL | 33409 | Yes |
| $48 | $576 | Progressive | 67 | August 30, 2024 | West Palm Beach, FL | 33403 | No |
| $59 | $706 | Progressive | 60 | July 26, 2024 | West Palm Beach, FL | 33411 | Yes |
| $62 | $742 | Progressive | 74 | January 17, 2025 | West Palm Beach, FL | 33417 | No |
| $63 | $754 | Progressive | 59 | December 30, 2023 | West Palm Beach, FL | 33415 | Yes |
Cheapest car insurance for drivers with clean records in West Palm Beach
Drivers in West Palm Beach with no accidents, violations or insurance claims typically pay some of the lowest premiums. Below are the cheapest quotes for drivers with clean records in West Palm Beach, based on Jerry’s quote data.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $34 | $404 | Progressive | 76 | January 1, 2025 | Yes | West Palm Beach, FL | 33409 |
| $52 | $626 | Progressive | 49 | April 25, 2024 | Yes | West Palm Beach, FL | 33409 |
| $56 | $666 | Progressive | 47 | October 17, 2024 | No | West Palm Beach, FL | 33413 |
| $59 | $706 | Progressive | 60 | July 26, 2024 | Yes | West Palm Beach, FL | 33411 |
| $62 | $742 | Progressive | 74 | January 17, 2025 | No | West Palm Beach, FL | 33417 |
| $63 | $754 | Progressive | 59 | December 30, 2023 | Yes | West Palm Beach, FL | 33415 |
| $66 | $790 | Progressive | 60 | April 26, 2025 | No | West Palm Beach, FL | 33417 |
| $67 | $800 | Progressive | 35 | June 21, 2024 | No | West Palm Beach, FL | 33406 |
| $72 | $864 | National General | 67 | January 27, 2025 | No | West Palm Beach, FL | 33407 |
| $73 | $874 | Progressive | 28 | January 14, 2024 | No | West Palm Beach, FL | 33409 |
Cheapest car insurance for drivers with low credit scores in West Palm Beach
Florida allows insurers to use credit scores to help determine your premium, and having a lower credit score typically means you’ll pay more. Insurers may have different formulas that help them price policies, so it’s wise to compare quotes before renewal to ensure you’re getting the best deal possible. These are the cheapest quotes that drivers in West Palm Beach with credit scores below 550 have received via Jerry.
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $90 | $1,084 | Progressive | 58 | December 23, 2023 | West Palm Beach, FL | 33407 |
| <550 | $118 | $1,420 | Progressive | 28 | June 26, 2024 | West Palm Beach, FL | 33417 |
| <550 | $129 | $1,544 | Progressive | 41 | January 31, 2025 | West Palm Beach, FL | 33413 |
| <550 | $141 | $1,690 | Progressive | 33 | January 31, 2025 | West Palm Beach, FL | 33401 |
| <550 | $151 | $1,816 | Gainsco | 52 | January 6, 2024 | West Palm Beach, FL | 33401 |
Cheapest car insurance for drivers with at-fault accidents in West Palm Beach
If you’ve recently been in an at-fault accident, your rates will likely rise. Compare quotes from several insurers before your policy renews to get the best price possible. These are the cheapest quotes that drivers in West Palm Beach with at-fault accidents have received via Jerry.
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $70 | $834 | Bristol West | 25 | No | April 11, 2025 | West Palm Beach, FL | 33407 |
| At Fault With No Injury | $81 | $968 | Progressive | 36 | Yes | February 23, 2025 | West Palm Beach, FL | 33415 |
| At Fault With No Injury | $87 | $1,048 | National General | 42 | No | September 20, 2024 | West Palm Beach, FL | 33411 |
| At Fault With No Injury | $98 | $1,170 | Progressive | 29 | No | September 30, 2024 | West Palm Beach, FL | 33415 |
| At Fault With No Injury | $106 | $1,276 | Bristol West | 33 | No | September 29, 2024 | West Palm Beach, FL | 33407 |
Cheapest car insurance for drivers with speeding tickets in West Palm Beach
If you’ve just been cited for speeding, you will likely see an increase in your premium, but the degree of increase depends on your insurer and the speed you were cited at. To ensure you’re getting the lowest price, get quotes from multiple auto insurers. These are the cheapest quotes that drivers with speeding tickets in West Palm Beach have received via Jerry.
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $83 | $998 | Progressive | 36 | January 29, 2025 | West Palm Beach, FL | 33411 |
| Speeding over 15 | $139 | $1,672 | Bristol West | 25 | June 3, 2025 | West Palm Beach, FL | 33411 |
| Speeding under 15 | $176 | $2,110 | National General | 31 | December 1, 2024 | West Palm Beach, FL | 33417 |
| Speeding under 15 | $201 | $2,408 | National General | 46 | January 12, 2025 | West Palm Beach, FL | 33411 |
| Speeding under 15 | $210 | $2,518 | Bristol West | 26 | March 25, 2025 | West Palm Beach, FL | 33401 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
