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.

More: Best car insurance in Florida

Cheapest minimum coverage in West Palm Beach

Here are the cheapest car insurance quotes that drivers in West Palm Beach have received via Jerry.

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.

More: Cheapest car insurance in Florida

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.

More: Best car insurance companies

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.

More: Get cheap car insurance the smart way, today

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.

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 seniors in West Palm Beach have received via Jerry.

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.

Cheapest car insurance for drivers with low credit scores in West Palm Beach

Florida allows insurers to use credit-based insurance 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.

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.

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.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

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.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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