Cheap Car Insurance in West Palm Beach

Written by Xuyun Zeng and 2 others
Updated Mar 4, 2025
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Cheap Car Insurance in West Palm Beach

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In South Florida, there are almost as many vehicles as there are people. Census data shows that Palm Beach County had a population of 1.5 million in 2023. In April of that year, 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
$34 $404 Progressive 76 January 1, 2025 West Palm Beach, FL 33409
$81 $968 Progressive 36 February 23, 2025 West Palm Beach, FL 33415
$100 $1,200 Progressive 30 November 17, 2024 West Palm Beach, FL 33411
$103 $1,238 Progressive 25 November 13, 2024 West Palm Beach, FL 33411
$114 $1,370 Progressive 50 December 6, 2024 West Palm Beach, FL 33417
$116 $1,392 Progressive 32 January 11, 2025 West Palm Beach, FL 33409
$126 $1,514 Progressive 34 February 6, 2025 West Palm Beach, FL 33411
$129 $1,544 Progressive 41 January 31, 2025 West Palm Beach, FL 33413
$137 $1,638 Progressive 66 June 8, 2024 West Palm Beach, FL 33409
$141 $1,690 Progressive 33 January 31, 2025 West Palm Beach, FL 33401
Last Updated May 8, 2025

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 full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

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
$54 $652 Progressive 59 December 30, 2023 West Palm Beach, FL 33415
$59 $706 Progressive 60 July 26, 2024 West Palm Beach, FL 33411
$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
$100 $1,200 Progressive 30 November 17, 2024 West Palm Beach, FL 33411
$114 $1,370 Progressive 50 December 6, 2024 West Palm Beach, FL 33417
$116 $1,392 Progressive 32 January 11, 2025 West Palm Beach, FL 33409
Last Updated May 8, 2025

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
$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
$95 $1,136 Bristol West 29 No February 25, 2024 West Palm Beach, FL 33401
$95 $1,144 Progressive 24 No December 21, 2023 West Palm Beach, FL 33418
$103 $1,238 Progressive 25 No November 13, 2024 West Palm Beach, FL 33411
Last Updated May 8, 2025

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
$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
$81 $968 Progressive 36 Yes February 23, 2025 West Palm Beach, FL 33415
Last Updated May 8, 2025

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
$54 $652 Progressive 59 December 30, 2023 West Palm Beach, FL 33415 Yes
$59 $706 Progressive 60 July 26, 2024 West Palm Beach, FL 33411 Yes
$66 $790 Progressive 60 April 26, 2025 West Palm Beach, FL 33417 No
Last Updated May 8, 2025

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
$54 $652 Progressive 59 December 30, 2023 Yes West Palm Beach, FL 33415
$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
$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
$73 $874 Progressive 28 January 14, 2024 No West Palm Beach, FL 33409
$73 $876 Progressive 33 June 19, 2024 No West Palm Beach, FL 33406
$77 $928 Progressive 42 April 6, 2025 Yes West Palm Beach, FL 33404
$84 $1,008 Progressive 46 December 22, 2024 Yes West Palm Beach, FL 33407
Last Updated May 8, 2025

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 $122 $1,460 National General 74 January 22, 2025 West Palm Beach, FL 33407
<550 $126 $1,514 Progressive 34 February 6, 2025 West Palm Beach, FL 33411
<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
Last Updated May 8, 2025

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 $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 $100 $1,200 Progressive 30 Yes November 17, 2024 West Palm Beach, FL 33411
At Fault With No Injury $100 $1,202 Bristol West 30 No January 14, 2025 West Palm Beach, FL 33404
At Fault With No Injury $113 $1,360 Bristol West 27 No March 15, 2024 West Palm Beach, FL 33417
Last Updated May 8, 2025

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 $127 $1,522 Progressive 25 April 27, 2025 West Palm Beach, FL 33411
Speeding under 15 $142 $1,708 Progressive 28 November 23, 2023 West Palm Beach, FL 33401
Speeding under 15 $201 $2,408 National General 46 January 12, 2025 West Palm Beach, FL 33411
Speeding over 15 $213 $2,556 National General 26 April 20, 2024 West Palm Beach, FL 33409
Speeding over 15 $308 $3,690 Root 25 April 3, 2025 West Palm Beach, FL 33407
Last Updated May 8, 2025

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.

MEET OUR EXPERTS
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Xuyun Zeng

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.

meet-experts-thumbnail
Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.