A car key sitting next to a toy car

Auto Insurance in Florida - Palm Beach County

Headshot of Cara
Cara Pace
January 1, 2019

To register any vehicle in Florida, you must show proof of auto insurance that includes personal injury protection (PIP) and property damage liability. Auto insurance in Palm Beach County is among the highest in Florida. The average annual insurance premium in Florida is $2,219 making it the third most expensive state for insurance. 

Compare Auto Insurance Quotes

Car insurance rates can vary significantly. Each insurer uses a unique formula to determine a driver’s risk and overall premium. The average car insurance rates in Palm Beach county are based on quote data from the Florida Office of Insurance Regulation.

Car insurance in Palm Beach County

The average annual premium for car insurance for a single, female driver


The average annual premium for car insurance for a family with young drivers


The average annual premium for car insurance for a senior married couple


The quotes collected are based on an insurance policy that includes the following coverage:

$50,000 property damage liability

$25,000/$50,000 bodily injury liability

$10,000 personal injury protection (PIP)

$5,000 medical payments coverage

$250 deductible for comprehensive

$500 deductible for collision

$25,000/$50,000 uninsured motorist (non-stacked)

Get Auto Insurance in Florida

Florida car insurance requirements

All Florida drivers are required to have car insurance. Whether you live in Palm Beach, Tequesta or Belle Glade, the minimum car insurance requirements for drivers are:

  • $10,000 bodily injury per person, per accident
  • $20,000 bodily injury for all persons, per accident
  • $10,000 property damage liability
  • $10,000 personal injury protection (PIP)

In 2018, there were 28,959 car crashes reported in Palm Beach County according to the Florida Department of Highway Safety and Motor Vehicles. Driving without enough coverage can put you at financial risk. A minor accident can end up costing thousands of dollars in repairs. 

Collision insurance ensures you are covered if your vehicle needs replacing or repairs if it’s been involved in a collision accident. Comprehensive insurance, on the other hand, provides coverage for car theft, fire or hail damage (weather-related), or other types of losses. 

In Palm Beach County, drivers must maintain insurance coverage throughout the registration period. Any lapse in insurance may result in the suspension of your Florida driver’s license/registration, plus a requirement to pay a reinstatement fee of up to $500.

>>RELATED: Florida driving statistics

Top 5 auto insurance companies in Florida

Progressive is the most popular insurer among Squeeze users in Palm Beach County, followed by GEICO. See how it compares to the top auto insurance companies state-wide. 


Auto Insurance Company

Market share in Florida


Berkshire Hathaway (GEICO)






State Farm








See a complete list of auto insurance companies in Florida.

See how Palm Beach County's auto insurance rates compare to those in Broward County and Orange County.

Compare Auto Insurance

List of cities in Palm Beach County

Acacia Villas Juno Ridge Palm Beach Shores Atlantis Jupiter Palm Springs Belle Glade Jupiter Farms Pine Air Boca Point Jupiter Inlet Colony Riviera Beach Boca Raton Kenwood Estates Royal Palm Beach Boynton Beach Kings Point Royal Palm Estates Briny Breezes Lake Belvedere Estates San Castle Bryant Lake Clarke Shores Schall Circle Cabana Colony Lake Harbor Seminole Manor Canal Point Lake Park South Bay Century Village Lake Worth Beach South Palm Beach Cloud Lake Lake Worth Corridor Stacey Street Cypress Lakes Lakeside Green Tequesta Delray Beach Lantana The Acreage Fremd Village-Padgett Island Limestone Creek Watergate Glen Ridge Loxahatchee Wellington Golden Lakes Loxahatchee Groves West Palm Beach Golf Manalapan Westgate Greenacres Mangonia Park Westlake Gulf Stream Mission Bay Whisper Walk Gun Club Estates North Palm Beach Haverhill Ocean Ridge Highland Beach Pahokee Hypoluxo Palm Beach Juno Beach Palm Beach Gardens

All quoted rates are from the Florida Office of Insurance Regulation's CHOICES rate comparison tool. 

Quotes provided are based on the following driver profiles: 

Single, female, age 25 with one sedan (Toyota Camry LE), one violation, one no-fault accident in the preceding 3 years, and driving an estimated 12,000 miles per year for work. 

Married male (age 50) and female (age 55), plus one single male (age 20) and one single female (age 18). Two-car household driving for work and pleasure, no accidents or violations in the last 3 years. One car covers an estimated 12,000 miles per year; another car covers an estimated 8,000 miles per year.  driving an estimated 6,000 miles per year for pleasure.

Married male (age 70) and female (age 65) with one sedan (Toyota Camry LE), no accidents or violations in the last 3 years, and driving an estimated 6,000 miles per year for pleasure.

Squeeze data based on number of users at the time of article’s publication.