Cheap Car Insurance in West Palm Beach

Written by Xuyun Zeng and 2 others
Updated Aug 17, 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 1.58 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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$32 $384 Progressive 43 June 24, 2025 West Palm Beach, FL 33410
$55 $664 Progressive 79 June 3, 2025 West Palm Beach, FL 33417
$57 $684 The General 52 June 10, 2025 West Palm Beach, FL 33411
$62 $744 Bristol West 45 June 25, 2025 West Palm Beach, FL 33401
$66 $790 Bristol West 23 August 5, 2025 West Palm Beach, FL 33403
$67 $800 Progressive 44 June 23, 2025 West Palm Beach, FL 33407
$67 $806 National General 44 May 14, 2025 West Palm Beach, FL 33404
$71 $856 Progressive 25 June 17, 2025 West Palm Beach, FL 33407
$72 $858 Bristol West 69 July 28, 2025 West Palm Beach, FL 33405
$72 $864 Embark General 37 March 17, 2025 West Palm Beach, FL 33411
Last Updated Aug. 14, 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.

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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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$67 $806 National General 44 May 14, 2025 West Palm Beach, FL 33404
$82 $980 Geico 68 April 18, 2025 West Palm Beach, FL 33405
$82 $984 Bristol West 38 June 15, 2025 West Palm Beach, FL 33409
$91 $1,092 National General 32 March 4, 2025 West Palm Beach, FL 33415
$94 $1,128 Geico 37 March 17, 2025 West Palm Beach, FL 33411
$95 $1,136 Progressive 43 May 26, 2025 West Palm Beach, FL 33411
$99 $1,192 Progressive 37 June 13, 2025 West Palm Beach, FL 33409
$104 $1,246 Bristol West 41 June 19, 2025 West Palm Beach, FL 33413
$108 $1,300 Progressive 46 August 6, 2025 West Palm Beach, FL 33417
$110 $1,322 Bristol West 69 July 28, 2025 West Palm Beach, FL 33405
Last Updated Aug. 15, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$95 $1,144 Progressive 27 No March 23, 2025 West Palm Beach, FL 33406
$104 $1,244 Bristol West 22 No May 28, 2025 West Palm Beach, FL 33401
$105 $1,256 National General 25 No April 6, 2025 West Palm Beach, FL 33401
$115 $1,378 The General 27 No July 29, 2025 West Palm Beach, FL 33407
$122 $1,464 Bristol West 22 No May 15, 2025 West Palm Beach, FL 33409
Last Updated Aug. 14, 2025

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$57 $684 The General 52 No June 10, 2025 West Palm Beach, FL 33411
$62 $744 Bristol West 45 No June 25, 2025 West Palm Beach, FL 33401
$67 $806 National General 44 Yes May 14, 2025 West Palm Beach, FL 33404
$74 $890 Bristol West 36 No June 14, 2025 West Palm Beach, FL 33409
$75 $902 National General 39 No June 17, 2025 West Palm Beach, FL 33417
Last Updated Aug. 14, 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 seniors in West Palm Beach have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Has Full Coverage
$72 $858 Bristol West 69 July 28, 2025 West Palm Beach, FL 33405 No
$79 $949 Safeco 57 August 10, 2025 West Palm Beach, FL 33409 No
$80 $964 The General 64 February 22, 2025 West Palm Beach, FL 33411 No
$82 $980 Geico 68 April 18, 2025 West Palm Beach, FL 33405 Yes
$103 $1,238 Geico 62 July 2, 2025 West Palm Beach, FL 33401 No
Last Updated Aug. 14, 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 Quote
Has Full Coverage
City, State
ZIP Code
$57 $684 The General 52 June 10, 2025 No West Palm Beach, FL 33411
$62 $744 Bristol West 45 June 25, 2025 No West Palm Beach, FL 33401
$67 $806 National General 44 May 14, 2025 Yes West Palm Beach, FL 33404
$72 $858 Bristol West 69 July 28, 2025 No West Palm Beach, FL 33405
$74 $890 Bristol West 36 June 14, 2025 No West Palm Beach, FL 33409
$75 $902 National General 39 June 17, 2025 No West Palm Beach, FL 33417
$78 $932 Bristol West 37 June 14, 2025 No West Palm Beach, FL 33407
$79 $949 Safeco 57 August 10, 2025 No West Palm Beach, FL 33409
$80 $954 Progressive 40 July 29, 2025 No West Palm Beach, FL 33413
$80 $964 The General 64 February 22, 2025 No West Palm Beach, FL 33411
Last Updated Aug. 15, 2025

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.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $118 $1,420 Progressive 28 June 26, 2024 West Palm Beach, FL 33417
<550 $143 $1,712 Bristol West 44 July 18, 2025 West Palm Beach, FL 33412
<550 $150 $1,794 Bristol West 25 July 5, 2025 West Palm Beach, FL 33406
<550 $170 $2,038 Bristol West 67 August 27, 2024 West Palm Beach, FL 33417
<550 $174 $2,090 Bristol West 47 November 4, 2024 West Palm Beach, FL 33405
Last Updated Aug. 17, 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 $82 $988 Bristol West 38 No July 20, 2025 West Palm Beach, FL 33407
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 $1,274 Bristol West 45 No August 13, 2025 West Palm Beach, FL 33407
Last Updated Aug. 14, 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 under 15 $148 $1,772 Bristol West 29 June 5, 2025 West Palm Beach, FL 33403
Speeding over 15 $157 $1,880 Safeco 48 July 28, 2025 West Palm Beach, FL 33403
Speeding over 15 $187 $2,238 Progressive 25 July 1, 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 $254 $3,052 Progressive 37 January 4, 2025 West Palm Beach, FL 33413
Last Updated Aug. 18, 2025

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
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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 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.

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.