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The average cost of auto insurance in West Palm Beach is $3,101 per year, or $258 per month, for full coverage, and $1,547 per year for minimum coverage. This is almost double the national average and may be one of the reasons drivers in the region are looking for the cheapest fares possible.

The cheapest car insurance company in West Palm Beach is Geico, according to Bankrate’s 2021 quoted premium study. While West Palm Beach drivers undoubtedly want to find the most affordable rates, you may also want to consider other factors when researching auto insurance companies, such as third-party ratings, coverage options and discounts. Considering all of these factors will help you make the most informed decision possible and find the best car insurance in West Palm Beach for you.

Best Cheap Car Insurance Companies in West Palm Beach

The cheapest car insurance companies in West Palm Beach are Geico, State Farm, Allstate, and Progressive, based on rates researched by Quadrant Information Services. We analyzed industry expert rankings and real customer reviews, in addition to comparing each provider’s coverage options, pricing, customer service, availability and affordability to assign a Bankrate score on five possible points. The higher the Bankrate Score, the better the provider is ranked in each category.

Based on our in-depth analysis, these are the best cheap car insurance companies in West Palm Beach.

Geico 4.7 823/1000 $2,417 $976
state farm 4.7 848/1000 $2,586 $1,420
Allstate 4.0 846/1000 $3,060 $1,467
progressive 4.4 822/1000 $3,872 $1,876


Geico has the cheapest average rates in West Palm Beach on our list for full and minimum coverage car insurance. Geico also offers several discounts that can help lower the cost of your car insurance even further. For example, you can earn up to 40% off with working airbags or up to 25% off when you have an anti-theft system, according to its website.

Geico also rewards many professionals, with discount opportunities for federal employees, members of certain groups, and employees of specific companies. These discounts can help offset the below-average JD Power customer satisfaction ratings that Geico received in its 2021 study. Geico also offers the option to add extras like emergency roadside assistance, vehicle rental and mechanical breakdown insurance.

Learn more: Geico Insurance Review

state farm

State Farm has above-average JD Power customer satisfaction rates in Florida, as well as the cheapest full and minimum coverage rates on our list. The company is known for its robust mobile tools, offering easy policy management and a simple process when filing a claim. It also provides valuable additional coverage like car rental, travel expenses and emergency road service coverage. With programs like Drive Safe & Save and Steer Clear®, State Farm rewards safe drivers and also supports its learner drivers with multiple potential discounts, including great student rewards, that can save you up to 25% off your premium.

Learn more: State Farm Insurance Review


Allstate is one of our picks for the best providers of cheap car insurance in West Palm Beach with local agents available to help. In addition to collision and comprehensive coverage, which is part of comprehensive auto insurance, Allstate gives you the option of adding coverages such as audio system insurance, roadside coverage, personal injury protection (PIP) and rental reimbursement coverage. Discount opportunities are also plentiful, with multiple potential payment discounts that include discounts for early signing, responsible payer, and EZ payment plan. There are also programs for the Allstate eSmart® rebate and a FullPay® rebate when you prepay. You can also get a discount when buying a new car.

Learn more: Allstate Insurance Review


When looking for specific or unique coverage, Progressive might be your best bet. In addition to pet injury coverage, Progressive offers West Palm Beach drivers options such as gap insurance, custom parts and equipment value, and a deductible savings bank. If you’re a driver for companies like Uber or Lyft, Progressive also offers ride-sharing coverage.

While Progressive doesn’t have the lowest average rates on our list, it’s still lower than the average West Palm Beach rate. And you can potentially save on your premium multiple discount programs, such as the Name Your Price® tool and its Snapshot telematics program.

Learn more: Progressive Insurance Review

How to Get and Keep the Cheapest Car Insurance in West Palm Beach

Finding the cheapest auto insurance companies in West Palm Beach is one thing, but keeping the rates low is another. Keep the following in mind when looking for the most affordable rates and trying to control those rates:

  • Comparison is essential. Drivers may not realize how much premiums can vary from insurer to insurer. Shopping around and comparing multiple quotes makes it easier to see which one offers the lowest rates for your needs or has the best coverage options. Consider exploring quotes from multiple vendors from time to time to ensure you get the best deal for your situation.
  • Safety matters. Maintaining a good driving record and being accident-free not only helps you be safer on the road, but also saves you money on your premiums. You can save by getting better rates from your insurer and qualifying for additional discounts, such as claims-free and safe driving discounts.

Frequently Asked Questions


Bankrate uses Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates shown are based on a 40-year-old male and female with a clean driving record , good credit and the following complete coverage limits:

  • Civil liability of $100,000 in bodily injury per person
  • Civil liability of $300,000 in bodily injury per accident
  • Civil liability of $50,000 in property damage per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 aggregate deductible

To determine minimum coverage limits, Bankrate has used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week, and drive 12,000 miles a year.

These are sampling rates and should only be used for comparison purposes. Your quotes may be different.

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