We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Lake Worth Beach shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Lake Worth Beach
The car insurance rate in Lake Worth Beach is $2305 for a six-month policy, which is $704 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1472, making it a popular choice for budget-conscious drivers. Rates in Lake Worth 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.
Cheapest Car Insurance Companies in Lake Worth Beach
1st place: Travelers
At $1472 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 $1565 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $1822
for six months, making it
the third cheapest auto insurance company in Lake Worth Beach.
Lake Worth Beach Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lake Worth Beach, FL is Travelers, offering policies at just $1472 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1565.
At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1377 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Worth Beach drivers find the best deals.
Cheap Car Insurance Companies in Lake Worth Beach, FL
Way's key takeaways about car insurance in Lake Worth Beach
The auto insurance costs in Lake Worth Beach fall around $1472 for six
months.
The cheapest auto insurance company in Lake Worth Beach is Patrons Insurance.
Teen drivers pay the highest rate in Lake Worth Beach at $1989 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Lake Worth 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 Lake Worth Beach are given below.
Patrons Insurance provides
the cheapest minimum car insurance
coverage in Lake Worth Beach. Their Average 6 Month Premium is $180.
Metropolitan Group is the most
expensive at $547 for the same
period.
Cheapest Liability Coverage in Lake Worth Beach, FL
Cheapest Full Coverage Car Insurance in Lake Worth 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 Lake Worth Beach is Travelers
at $248 per month and $1472
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lake Worth Beach,
FL
Get Your Car Insurance Quote in Lake Worth Beach
Instantly!
Average Car Insurance in Lake Worth 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 Lake Worth Beach, FL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lake Worth 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, Lake Worth 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 Lake Worth 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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
Travelers
$1868
40s
Travelers
$1410
50s
Travelers
$1315
60s
Travelers
$1296
Cheapest Car Insurance Rates for Teen Drivers in
Lake Worth Beach,FL
If you are planning to get a car insurance policy for your teenage
dependent, Nationwide provides the cheapest car
insurance in the Lake Worth Beach at $130
per
month. At $11693 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Lake Worth Beach.
As young drivers face the highest rates in Lake Worth Beach, Travelers
offers the cheapest auto insurance rates at $1868 for six months.
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 Lake Worth Beach,
Nationwide is
the cheapest car insurance provider. At $932 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
Lake Worth Beach is Allstate, offering
rates of around $7476 for six
months.
Save up to $971/yr on car insurance rates in Lake Worth Beach.
Car Insurance Rates with An Accident in Lake Worth 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 Lake Worth Beach, FL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lake Worth Beach
The cheapest car insurance companies after an at-fault accident in
Lake Worth Beach include Nationwide
and AIG, offering $984
and $1257,
respectively. National General is an expensive provider
with an average six-month premium of
$1522.
Here is a list of driving violations that can increase your car
insurance rates in Lake Worth Beach FL. For example, the car
insurance in Lake Worth Beach
after a DUI increases to $1350 for a six
month policy. While the rate increases by $410 for a six-month policy in the case of
a speeding ticket.
Lake Worth Beach auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2627
$438
One Med/PIP claim
$2627
$446
Not-at-fault accident
$2840
$474
Two Med/PIP claims
$2917
$495
One comp claim
$2959
$494
Child safety restraint
$2968
$504
Failure to wear a seat belt
$2968
$495
Driving without lights
$2976
$505
Failure to show documents
$2976
$497
Speeding 6 - 10 MPH over limit
$3037
$517
Improper passing
$3046
$507
Passing school bus
$3046
$518
Wrong way/wrong lane
$3046
$507
Failure to stop at a red light
$3054
$520
Failure to yield
$3054
$508
Illegal turn
$3054
$520
Cell phone violation
$3063
$510
Driving with expired registration
$3063
$521
Following too closely
$3063
$510
Texting while driving
$3070
$523
Two comp claims
$3139
$523
Driving too slowly
$3156
$537
Speeding in school zone
$3156
$526
Speeding 11 - 15 MPH over limit
$3165
$539
In 65 MPH zone
$3276
$546
Speeding 16 - 20 MPH over limit
$3276
$557
Speeding 21 - 25 MPH over limit
$3293
$549
Open container
$3328
$566
Operating a vehicle without permission
$3328
$554
At-fault accident - less than $1000
$3610
$613
At-fault accident - $1000-$2000
$3669
$612
At-fault accident - greater than $2000
$3669
$624
Racing
$3969
$661
DUI
$3977
$677
Refusal to submit to a chemical test
$3977
$662
Driving with a suspended license
$4046
$688
Reckless driving
$4131
$688
Leaving scene of an accident/hit and run
$4175
$710
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Lake Worth 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 Lake Worth Beach.
The cheapest car insurance premiums in
Lake Worth Beach are
offered by AIG at $924 for a six-month policy.
However, it can be as
expensive as $1146 with companies
like National General.
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 Lake Worth Beach are offered by Nationwide
at $804. However,
it can be as expensive as $4175
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Lake Worth Beach after Speeding ticket
Car Insurance Price Trends in Lake Worth Beach,
Florida
Car insurance rates in Lake Worth Beach have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lake Worth Beach remained steady at $397 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Lake Worth Beach remained steady at $121 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Lake Worth Beach by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Lake Worth Beach. At $4610 for a
six-month policy, insuring
your car at 33460 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Lake Worth Beach?
The car insurance in Lake Worth Beach is $30 per month, which is lower than the national average.
What is the cheapest car insurance in Lake Worth Beach?
The cheapest car insurance in Lake Worth Beach
is $248 per month
for full coverage.
How much is car insurance in Lake Worth Beach for teenagers?
Car insurance for teenagers costs $779 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
Lake Worth Beach?
The average cost of car insurance is $1601 for a six-month
policy. It will cost around $387 per month to insure your
car in Lake Worth Beach.
Is car insurance expensive in Lake Worth Beach?
Car insurance can be expensive in Lake Worth Beach if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lake Worth Beach can be
affordable.
What is the best car insurance in Lake Worth Beach,
FL?
The best car insurance company in Lake Worth Beach
FL is
Travelers, offering $1472 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Lake Worth Beach right now.
Find Car Insurance Rates in Cities Near Lake Worth Beach, FL
Car Insurance Rates by State in the USA (2025 Update)
Lake Worth Beach Car Insurance
