West Palm Beach Car Insurance

Everything You Need to Know About Car Insurance in West Palm Beach, FL

Find the right car insurance policy for you.


West Palm Beach, FL is a beautiful city, located just one short hour from Miami. With some of the state’s best waterways and sugar sand beaches, West Palm Beach is often a tourist hot spot. In addition to breathtaking scenery, West Palm Beach also offers great shopping and vibrant nightlife. Local drivers have to deal with busy roads and congested traffic year-round, so make sure you’re prepared with the best West Palm Beach car insurance.

Independent Insurance Agents offer West Palm Beach drivers assistance during their search for reliable and affordable car insurance. Whether you’re a first-time driver or an experienced driver with decades behind the wheel, our experienced agents can help you find the most reliable coverage options and budget-friendly rates on auto insurance.

  • National average cost per year: $1,311
  • Florida average cost per year: $1,742
  • #5 most expensive auto premium in the U.S.

Florida’s car insurance rates are high, and this can be a serious challenge for West Palm Beach drivers. Your personalized rate is determined by your age, the make and model of your car, and your driving record. Our agents can help you find significant savings on your annual premiums by matching you with discounts for safe driving, bundled coverages, and security upgrades. Our agents work hard to get every driver the lowest possible rate. In fact, you’ll receive quotes on multiple policies, giving you the chance to compare the cost and benefits of each plan before you select the car insurance policy that is right for your vehicle.

Florida Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 10/20/10

Florida requires all drivers to purchase car insurance. Minimum coverage limits are $10,000 for individual injuries, $20,000 total for all injuries in an accident and $10,000 for any resulting property damage. These minimums are in place to protect drivers against the most common accidents. Keep in mind that if the cost of an accident exceeds your coverage limit, you have to pay the difference out of pocket. You can reduce this risk by investing in a higher coverage limit upfront, a smart way to ensure that your out of pocket costs stay low even if you face a major accident.


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Number of Uninsured Motorists in Florida

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Florida drivers: 23.8%

Florida has a very high rate of uninsured drivers. This means you are sharing the road with drivers, nearly one-fourth of whom are uninsured. If you get into an accident and the driver at fault doesn't have insurance, you have to pay for your own car repairs. As a safeguard, make sure you choose an auto insurance plan that includes protection against uninsured motorists.

Number of Auto Thefts in Florida

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Florida: 2.48

No one likes to think about car theft, and oftentimes, it is something we ignore until it’s too late. Stolen cars are a frustration that all Florida drivers have to consider. As you shop for West Palm Beach auto insurance, make sure you choose a policy that includes coverage for car theft. Then you have peace of mind that you’re covered if your car is stolen. You can file a claim and receive the compensation you need to buy a new vehicle.

Find a Great West Palm Beach Car Insurance Policy

Before you hit the crowded highways in West Palm Beach, make sure you have a reliable auto insurance policy in place to protect your vehicle. Choosing a car insurance plan is easier than ever before when you have an Independent Insurance Agent working on your behalf. Our experienced agents can match you with the most affordable premiums on reliable coverage options so that you can get behind the wheel with confidence, knowing you are covered no matter what you encounter on the roads. 

Contact an agent today to get a rate quote on West Palm Beach auto insurance.

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