Cheapest Car Insurance Quotes in Jensen Beach

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Jensen Beach Car Insurance

^$ 58

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Jensen Beach

The car insurance rate in Jensen Beach is $1576 for a six-month policy, which is $49 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $939, making it a popular choice for budget-conscious drivers. Rates in Jensen Beach can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Jensen Beach

$1576

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Jensen Beach

1st place: Travelers

At $939 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1049 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1147 for six months, making it the third cheapest auto insurance company in Jensen Beach.

Jensen Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Jensen Beach, FL is Travelers, offering policies at just $939 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1049.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2316 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jensen Beach drivers find the best deals.

Cheap Car Insurance Companies in Jensen Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$939	$158
State Farm	$1049	$177
Nationwide	$1147	$193
Progressive	$1215	$205
United Automobile Ins Group	$1325	$221
UAIC	$1452	$247
Allstate	$2368	$395
Mercury	$2501	$425
MetLife	$1458	$248
Farmers	$2316	$386

Key Takeaways

Way's key takeaways about car insurance in Jensen Beach

The auto insurance costs in Jensen Beach fall around $939 for six months.
The cheapest auto insurance company in Jensen Beach is Travelers.
Teen drivers pay the highest rate in Jensen Beach at $1340 per month.

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Cheapest Minimum Liability Car Insurance in Jensen Beach

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Jensen Beach are given below.

Travelers provides the cheapest minimum car insurance coverage in Jensen Beach. Their Average 6 Month Premium is $345. Farmers is the most expensive at $639 for the same period.

Cheapest Liability Coverage in Jensen Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$345	$58
State Farm	$374	$63
Mercury	$415	$70
Nationwide	$461	$79
MetLife	$484	$81
AIG	$541	$92
Progressive	$680	$114
United Automobile Ins Group	$697	$118
UAIC	$755	$126
Allstate	$864	$146
Patrons Insurance	$121	$20
Farmers	$639	$107

Cheapest Full Coverage Car Insurance in Jensen Beach

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Jensen Beach is Travelers at $158 per month and $939 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jensen Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$939	$158
State Farm	$1049	$177
Nationwide	$1147	$193
Progressive	$1215	$205
United Automobile Ins Group	$1325	$221
UAIC	$1452	$247
Allstate	$2368	$395
Mercury	$2501	$425
MetLife	$1458	$248
Farmers	$2316	$386

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Average Car Insurance in Jensen Beach by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Jensen Beach, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Jensen Beach, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Jensen Beach's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Jensen Beach

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Jensen Beach,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Jensen Beach at $87 per month. At $7876 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$525	$87
AIG	$709	$120
Travelers	$1544	$260
State Farm	$1856	$312
UAIC	$2472	$416
United Automobile Ins Group	$3267	$556
Allstate	$4033	$679
Progressive	$5191	$874
Mercury	$6142	$1034
Farmers	$7876	$1340

Teen Car Insurance Rates in FL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Jensen Beach, Nationwide is the cheapest car insurance provider. At $628 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Jensen Beach is Farmers, offering rates of around $3204 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$628	$107
Mercury	$686	$114
Direct General Insurance	$715	$121
UAIC	$1389	$232
Travelers	$1521	$256
Progressive	$2673	$445
Allstate	$4690	$797
State Farm	$4800	$800
Farmers	$3204	$545

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Car Insurance Rates with An Accident in Jensen Beach

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Jensen Beach, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Jensen Beach

The cheapest car insurance companies after an at-fault accident in Jensen Beach include Nationwide and AIG, offering $663 and $847, respectively. Farmers is an expensive provider with an average six-month premium of $3232.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$663	$111
AIG	$847	$144
State Farm	$986	$166
Travelers	$1003	$169
United Automobile Ins Group	$1723	$287
Mercury	$1780	$300
UAIC	$1803	$301
Progressive	$2362	$398
Allstate	$4206	$708
Farmers	$3232	$538

Jensen Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jensen Beach FL. For example, the car insurance in Jensen Beach after a DUI increases to $910 for a six month policy. While the rate increases by $277 for a six-month policy in the case of a speeding ticket.

Jensen Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1769	$295
One Med/PIP claim	$1769	$301
Not-at-fault accident	$1913	$319
Two Med/PIP claims	$1965	$334
One comp claim	$1993	$333
Child safety restraint	$1999	$340
Failure to wear a seat belt	$1999	$334
Driving without lights	$2005	$340
Failure to show documents	$2005	$335
Speeding 6 - 10 MPH over limit	$2046	$348
Improper passing	$2052	$341
Passing school bus	$2052	$349
Wrong way/wrong lane	$2052	$341
Failure to stop at a red light	$2057	$350
Failure to yield	$2057	$342
Illegal turn	$2057	$350
Cell phone violation	$2063	$343
Driving with expired registration	$2063	$351
Following too closely	$2063	$343
Texting while driving	$2068	$352
Two comp claims	$2115	$352
Driving too slowly	$2126	$362
Speeding in school zone	$2126	$354
Speeding 11 - 15 MPH over limit	$2132	$363
In 65 MPH zone	$2207	$368
Speeding 16 - 20 MPH over limit	$2207	$375
Speeding 21 - 25 MPH over limit	$2218	$370
Open container	$2242	$381
Operating a vehicle without permission	$2242	$373
At-fault accident - less than $1000	$2432	$413
At-fault accident - $1000-$2000	$2472	$412
At-fault accident - greater than $2000	$2472	$420
Racing	$2673	$445
DUI	$2679	$456
Refusal to submit to a chemical test	$2679	$446
Driving with a suspended license	$2726	$464
Reckless driving	$2783	$464
Leaving scene of an accident/hit and run	$2812	$478

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Jensen Beach after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Jensen Beach.

The cheapest car insurance premiums in Jensen Beach are offered by AIG at $623 for a six-month policy. However, it can be as expensive as $2634 with companies like Farmers.

Jensen Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$623	$106
Travelers	$1019	$172
Progressive	$1170	$197
State Farm	$1406	$237
Allstate	$1901	$320
UAIC	$2443	$407
Farmers	$2634	$438

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Jensen Beach are offered by Nationwide at $541. However, it can be as expensive as $2812 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Jensen Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$541	$90
State Farm	$686	$115
Travelers	$778	$131
Allstate	$2040	$343
UAIC	$2230	$372
Progressive	$2732	$465
Farmers	$2812	$478

Car Insurance Price Trends in Jensen Beach, Florida

Car insurance rates in Jensen Beach have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Jensen Beach dipped by $248 in January compared to $268 of December. In other words, there has been an decrease by $20 when you compare January and December.

The average cost of liability insurance in the Jensen Beach remained steady at $81 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Jensen Beach?

The car insurance in Jensen Beach is $58 per month, which is lower than the national average.

What is the cheapest car insurance in Jensen Beach?

The cheapest car insurance in Jensen Beach is $158 per month for full coverage.

How much is car insurance in Jensen Beach for teenagers?

Car insurance for teenagers costs $525 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Jensen Beach?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $265 per month to insure your car in Jensen Beach.

Is car insurance expensive in Jensen Beach?

Car insurance can be expensive in Jensen Beach if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Jensen Beach can be affordable.

Cheapest Car Insurance Quotes in Jensen Beach

Why you can trust Way?

How Much Is Car Insurance in Jensen Beach

Avg. Car Insurance in Jensen Beach

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Jensen Beach

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Jensen Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Jensen Beach, FL

Way's key takeaways about car insurance in Jensen Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Jensen Beach

Cheapest Liability Coverage in Jensen Beach, FL

Cheapest Full Coverage Car Insurance in Jensen Beach

Cheapest Full Coverage Car Insurance Quotes in Jensen Beach, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Jensen Beach by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Jensen Beach, FL increasing?

Car Insurance Premiums by Age in Jensen Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Jensen Beach,FL

If you are in your twenties N/A is the best choice for car insurance in Jensen Beach.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Jensen Beach

Cheapest Car Insurance Companies after an At-Fault Accident in Jensen Beach

Jensen Beach Car Insurance Rates by Violation

Jensen Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Jensen Beach after a DUI

Jensen Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Jensen Beach after Speeding ticket

Car Insurance Price Trends in Jensen Beach, Florida

Average Car Insurance Cost in Jensen Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Jensen Beach, FL

Car Insurance Rates by State in the USA (2025 Update)

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