Cheapest Car Insurance Quotes in North Palm Beach

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North Palm Beach Car Insurance

^$ 25

/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 North Palm Beach

The car insurance rate in North Palm Beach is $1889 for a six-month policy, which is $288 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1206, making it a popular choice for budget-conscious drivers. Rates in North Palm 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 North Palm Beach

$1889

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in North Palm Beach

1st place: Travelers

At $1206 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 $1283 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1493 for six months, making it the third cheapest auto insurance company in North Palm Beach.

North Palm Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Palm Beach, FL is Travelers, offering policies at just $1206 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1283.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1128 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Palm Beach drivers find the best deals.

Cheap Car Insurance Companies in North Palm Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1206	$203
State Farm	$1283	$216
Nationwide	$1493	$251
United Automobile Ins Group	$1612	$269
Progressive	$1683	$283
UAIC	$1683	$281
MetLife	$1774	$302
Farmers	$2818	$470
Mercury	$3042	$517
Allstate	$3063	$516
Metropolitan Group	$1128	$188

Key Takeaways

Way's key takeaways about car insurance in North Palm Beach

The auto insurance costs in North Palm Beach fall around $1206 for six months.
The cheapest auto insurance company in North Palm Beach is Patrons Insurance.
Teen drivers pay the highest rate in North Palm Beach at $1630 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in North Palm 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 North Palm Beach are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in North Palm Beach. Their Average 6 Month Premium is $148. Metropolitan Group is the most expensive at $448 for the same period.

Cheapest Liability Coverage in North Palm Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$148	$25
Travelers	$448	$76
State Farm	$477	$80
Mercury	$505	$85
Nationwide	$561	$96
Farmers	$778	$130
AIG	$792	$135
Progressive	$827	$139
United Automobile Ins Group	$848	$144
UAIC	$918	$153
Allstate	$1058	$178
Metropolitan Group	$448	$74

Cheapest Full Coverage Car Insurance in North Palm 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 North Palm Beach is Travelers at $203 per month and $1206 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Palm Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1206	$203
State Farm	$1283	$216
Nationwide	$1493	$251
United Automobile Ins Group	$1612	$269
Progressive	$1683	$283
UAIC	$1683	$281
MetLife	$1774	$302
Farmers	$2818	$470
Mercury	$3042	$517
Allstate	$3063	$516
Metropolitan Group	$1128	$188

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Average Car Insurance in North Palm 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 North Palm Beach, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in North Palm 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, North Palm 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 North Palm 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	$1530
40s	Travelers	$1155
50s	Travelers	$1077
60s	Travelers	$1062

Cheapest Car Insurance Rates for Teen Drivers in North Palm Beach,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the North Palm Beach at $106 per month. At $9582 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$638	$106
AIG	$863	$146
Travelers	$1955	$329
State Farm	$2572	$433
UAIC	$3827	$638
United Automobile Ins Group	$3974	$676
Allstate	$6027	$1015
Mercury	$7472	$1258
Progressive	$7984	$1344
Farmers	$9582	$1630

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in North Palm Beach.

As young drivers face the highest rates in North Palm Beach, Travelers offers the cheapest auto insurance rates at $1530 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 North Palm Beach, Nationwide is the cheapest car insurance provider. At $763 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 North Palm Beach is Allstate, offering rates of around $6127 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$763	$130
Mercury	$834	$139
Direct General Insurance	$870	$148
Travelers	$1654	$278
UAIC	$1683	$286
Progressive	$3252	$542
Farmers	$3898	$663
State Farm	$5839	$974
Allstate	$6127	$1042

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Car Insurance Rates with An Accident in North Palm 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 North Palm Beach, FL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in North Palm Beach include Nationwide and AIG, offering $806 and $1030, respectively. National General is an expensive provider with an average six-month premium of $1247.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$806	$135
AIG	$1030	$175
Travelers	$1163	$196
State Farm	$1199	$202
United Automobile Ins Group	$2096	$349
Mercury	$2165	$365
UAIC	$2194	$366
Progressive	$2873	$484
Farmers	$3932	$655
Allstate	$5319	$896
National General	$1247	$212

North Palm Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Palm Beach FL. For example, the car insurance in North Palm Beach after a DUI increases to $1107 for a six month policy. While the rate increases by $337 for a six-month policy in the case of a speeding ticket.

North Palm Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2152	$359
One Med/PIP claim	$2152	$366
Not-at-fault accident	$2327	$388
Two Med/PIP claims	$2391	$406
One comp claim	$2425	$405
Child safety restraint	$2432	$413
Failure to wear a seat belt	$2432	$406
Driving without lights	$2439	$414
Failure to show documents	$2439	$407
Speeding 6 - 10 MPH over limit	$2489	$424
Improper passing	$2496	$415
Passing school bus	$2496	$425
Wrong way/wrong lane	$2496	$415
Failure to stop at a red light	$2503	$426
Failure to yield	$2503	$417
Illegal turn	$2503	$426
Cell phone violation	$2510	$418
Driving with expired registration	$2510	$427
Following too closely	$2510	$418
Texting while driving	$2516	$428
Two comp claims	$2572	$428
Driving too slowly	$2587	$440
Speeding in school zone	$2587	$431
Speeding 11 - 15 MPH over limit	$2594	$441
In 65 MPH zone	$2685	$447
Speeding 16 - 20 MPH over limit	$2685	$457
Speeding 21 - 25 MPH over limit	$2699	$450
Open container	$2727	$464
Operating a vehicle without permission	$2727	$454
At-fault accident - less than $1000	$2958	$503
At-fault accident - $1000-$2000	$3007	$502
At-fault accident - greater than $2000	$3007	$511
Racing	$3252	$542
DUI	$3259	$555
Refusal to submit to a chemical test	$3259	$543
Driving with a suspended license	$3316	$564
Reckless driving	$3385	$564
Leaving scene of an accident/hit and run	$3421	$582

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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 North Palm 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 North Palm Beach.

The cheapest car insurance premiums in North Palm Beach are offered by AIG at $758 for a six-month policy. However, it can be as expensive as $939 with companies like National General.

North Palm Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$758	$126
Travelers	$1206	$203
State Farm	$1464	$247
Progressive	$1479	$249
Allstate	$2692	$453
UAIC	$2965	$504
Farmers	$3204	$533
National General	$939	$157

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 North Palm Beach are offered by Nationwide at $658. However, it can be as expensive as $3421 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in North Palm Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$658	$112
State Farm	$848	$143
Travelers	$1016	$171
UAIC	$1683	$281
Allstate	$1928	$325
Progressive	$2782	$464
Farmers	$3421	$582

Car Insurance Price Trends in North Palm Beach, Florida

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

The average cost of full coverage in the North Palm Beach remained steady at $326 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the North Palm Beach remained steady at $99 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in North Palm Beach?

The car insurance in North Palm Beach is $25 per month, which is lower than the national average.

What is the cheapest car insurance in North Palm Beach?

The cheapest car insurance in North Palm Beach is $203 per month for full coverage.

How much is car insurance in North Palm Beach for teenagers?

Car insurance for teenagers costs $638 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 North Palm Beach?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $317 per month to insure your car in North Palm Beach.

Is car insurance expensive in North Palm Beach?

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

Cheapest Car Insurance Quotes in North Palm Beach

Why you can trust Way?

How Much Is Car Insurance in North Palm Beach

Avg. Car Insurance in North Palm Beach

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in North Palm Beach

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

North Palm Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in North Palm Beach, FL

Way's key takeaways about car insurance in North Palm Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in North Palm Beach

Cheapest Liability Coverage in North Palm Beach, FL

Cheapest Full Coverage Car Insurance in North Palm Beach

Cheapest Full Coverage Car Insurance Quotes in North Palm Beach, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in North Palm Beach by Rating Factor

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

Car Insurance Premiums by Age in North Palm Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in North Palm Beach,FL

If you are in your twenties Travelers is the best choice for car insurance in North Palm 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 North Palm Beach

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

North Palm Beach Car Insurance Rates by Violation

North Palm Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in North Palm Beach after a DUI

North Palm Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in North Palm Beach after Speeding ticket

Car Insurance Price Trends in North Palm Beach, Florida

Average Car Insurance Cost in North Palm Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near North Palm Beach, FL

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

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