Allstate Car Insurance Palm Beach Gardens
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Florida has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Palm Beach Gardens typically pay around $225.97 per month compared to the national average of $137.79 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
| Area | Average Monthly Rate |
|---|---|
| National | $137.79 |
| Florida | $207.05 |
| Palm Beach Gardens, Florida | $225.97 |
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that's why it's important to compare. According to our data, State Farm generally has the most affordable car insurance in Palm Beach Gardens coming in around $168.22 per month. Other companies to consider if you live in Palm Beach Gardens is Nationwide with an average cost of $176.81 per month and Direct Auto which typically runs around $178.16 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Palm Beach Gardens.
| Rank | Company | Average Monthly Rate | Comparison State Average |
|---|---|---|---|
| 1 | State Farm | $168.22 | -18.75% |
| 2 | Nationwide | $176.81 | -14.60% |
| 3 | Direct Auto | $178.16 | -13.95% |
| 4 | 21st Century | $210.49 | 1.66% |
| 5 | Mercury Insurance | $245.59 | 18.62% |
| 6 | Mercury | $274.83 | 32.74% |
| 7 | Allstate | $279.78 | 35.13% |
| 8 | Allied | $288.56 | 39.37% |
| 9 | National General | $290.54 | 40.33% |
| 10 | Liberty Mutual | $307.50 | 48.52% |
Rates can vary from city to city. The residents of Boca Raton typically pay $255.07 per month while people who live in Fort Lauderdale will pay $247.85 per month on average. See what people pay for car insurance in other cities in Florida.
| Florida Cities | Monthly Average Rate |
|---|---|
| Boca Raton | $255.07 |
| Fort Lauderdale | $247.85 |
| Fort Myers | $172.58 |
| Gainesville | $155.05 |
| Jacksonville | $191.91 |
| Miami | $281.01 |
| Naples | $163.24 |
| Orlando | $213.67 |
| Palm Beach Gardens | $226.07 |
| Pensacola | $175.81 |
| Pompano Beach | $252.94 |
| Saint Petersburg | $210.14 |
| Sarasota | $162.93 |
| Tallahassee | $172.07 |
| Tampa | $264.54 |
| West Palm Beach | $258.96 |
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Florida. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you're taking.
| Palm Beach Gardens, FL ZIP Code | Average Monthly Rate |
|---|---|
| 33408 | $294.22 |
| 33410 | $229.46 |
| 33412 | $167.92 |
| 33415 | $188.30 |
| 33418 | $221.75 |
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $552.78 per month in Palm Beach Gardens. Compare that to drivers in their 30's who typically pay around $217.28 per month drivers in their 40s at $214.88 per month. It's always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $552.78 |
| 20s | $287.81 |
| 30s | $217.28 |
| 40s | $214.88 |
| 50s | $186.68 |
| 60s | $161.67 |
| 70+ | $221.72 |
If you are teen in Palm Beach Gardens you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it's important to compare multiple companies. According to our research, Direct Auto typically charges around $370.04 per month. This is likely the most affordable option in Palm Beach Gardens. You might also want to consider State Farm and AIG who also offer good affordable policies for teen drivers.
| Company | Average Monthly Rate |
|---|---|
| Direct Auto | $370.04 |
| State Farm | $385.17 |
| AIG | $560.73 |
| United Automobile Ins Group | $706.50 |
| Allied | $746.73 |
20 year-olds in Palm Beach Gardens might want to consider Liberty Mutual who, on average, offers car insurance rates around $131.42 per month. Direct Auto , State Farm , 21st Century and National General are also in the top 5 cheapest rates available.
| Company | Average Monthly Rate |
|---|---|
| Liberty Mutual | $131.42 |
| Direct Auto | $194.23 |
| State Farm | $249.50 |
| 21st Century | $265.56 |
| National General | $293.89 |
If you are in your 30s in Palm Beach Gardens our research has found that State Farm typically has the most affordable coverage coming in around $161.46 per month, followed by Direct Auto at $171.42 and 21st Century at $198.72.
| Company | Average Monthly Rate |
|---|---|
| State Farm | $161.46 |
| Direct Auto | $171.42 |
| 21st Century | $198.72 |
| Allied | $260.22 |
| Mercury | $270.38 |
On average, National General offers car insurance for 40 year-olds in Palm Beach Gardens for around $143.00 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Direct Auto. The full list of top companies is below.
| Company | Average Monthly Rate |
|---|---|
| National General | $143.00 |
| State Farm | $148.02 |
| Direct Auto | $158.54 |
| Mercury Insurance | $164.84 |
| Nationwide | $176.81 |
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Palm Beach Gardens we found that State Farm generally offers the most affordable coverage at $137.22 per month.
| Company | Average Monthly Rate |
|---|---|
| State Farm | $137.22 |
| Direct Auto | $141.03 |
| 21st Century | $162.67 |
| Mercury Insurance | $210.33 |
| Mercury | $210.33 |
If you live in Palm Beach Gardens and you're in your 60s, our data indicates that State Farm usually has the best rates at $115.71 per month. The top 5 list of car insurance companies is below.
| Company | Average Monthly Rate |
|---|---|
| State Farm | $115.71 |
| 21st Century | $157.67 |
| Direct Auto | $159.14 |
| Mercury | $183.35 |
| Allstate | $186.73 |
Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Palm Beach Gardens, the average monthly rate for a driver who is currently insured is $222.01 while drivers who are not currently covered will pay around $234.19 .
| Coverage | Average Monthly Rate |
|---|---|
| Not Currently Insured | $234.19 |
| Currently Insured | $222.01 |
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you'll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it's worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Palm Beach Gardens a driver of a 2021 HONDA ACCORD SPORT can expect to pay around $176.25 per month while someone that owns a 2020 JEEP CHEROKEE OVERLAND may pay around $144.20 per month. Check out the list of recent quotes in Palm Beach Gardens below.
| Vehicle | Average Monthly Rate |
|---|---|
| 2021 HONDA ACCORD SPORT | $176.25 |
| 2020 JEEP CHEROKEE OVERLAND | $144.20 |
| 2012 FORD ESCAPE LIMITED | $155.05 |
| 2019 CADILLAC CTS | $165.92 |
| 2016 Subaru Outback | $192.05 |
| 2019 Subaru Outback | $155.40 |
| 2019 MERCEDES-BENZ C-CLASS | $218.47 |
| 2008 LEXUS RX 400H | $141.95 |
| 2019 Volkswagen Tiguan | $193.62 |
What Is the Minimum Liability Coverage Requirement in Palm Beach Gardens, FL?
The minimum insurance coverage needed in Florida is $10,000 of personal injury protection (PIP) and $10,000 property damage liability (PDL). Florida drivers should also have $10,000/$20,000 bodily injury liability coverage per person/per incident, but policyholders can reject this coverage if they really want to.
Florida is a no-fault state. This means your rights are limited to sue an at-fault driver following a collision. No-fault insurance coverage can pay up to 80% of injury-related expenses and up to 60% of lost wages. It does not cover damaged property.
- $10,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
- $10,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
- $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you
Although you are not legally required to carry full coverage insurance in Florida, most lenders demand this level of coverage. They may also require additional coverages. Consider this when calculating the price of your auto loan.
What Is the Blood Alcohol Concentration (BAC) limit in Palm Beach Gardens, FL?
It is illegal for individuals to operate a motor vehicle in Florida with the following BAC percentages:
- .08%+ at 21 years old or older
- .04%+ for commercial vehicle drivers
- .02%+ at under 21 years old
DUI is also proven by impairment of normal faculties. For more information about Florida's DUI laws, refer to Florida DUI and Administrative Suspension Laws on the Florida Department of Highway Safety and Motor Vehicles website.
What are the consequences of being convicted of a DUI?
The consequences of a DUI in Florida depend on the number of convictions, your blood alcohol level, and whether you were transporting a minor at the time of your arrest. At the very least, you will face a fine, community service, and probation. You may also receive jail time at the court's discretion.
In addition, the long-term damage to your finances could be devastating. You may incur such expenses as higher insurance rates, attorney fees, court costs, vehicle impoundment, mandatory installation of an ignition interlock device, and others.
Commute Time in Palm Beach Gardens, FL
21.4 Miles
Commute Time in United States
26.4 Miles
Number of Nearest Insurance Agents in Palm Beach Gardens, FL
327
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
Source: https://smartfinancial.com/auto-insurance/florida-auto-insurance/palm-beach-gardens-fl