Buy Cheap Palm Bay, FL Auto Insurance in 2024
Palm Bay, FL auto insurance rates average $345 a month. Minimum auto insurance requirements in Palm Bay, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Palm Bay, FL, compare Palm Bay auto insurance quotes from top companies.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Palm Bay, FL for teens drivers are $7,429/year
- The most expensive auto insurance company in Palm Bay after a DUI is Allstate
- Average auto insurance rates in Palm Bay, FL are $345/month
Finding affordable Palm Bay, Florida auto insurance can be challenging, but everything you need to know to buy cheap Palm Bay, FL auto insurance with confidence is right here. Auto insurance rates in Palm Bay are affected by local factors as well as personal ones like your driving record.
See how Palm Bay, FL car insurance rates compare to Miami auto insurance rates, St. Petersburg auto insurance rates, and Fort Lauderdale auto insurance rates before you read more about the cost of auto insurance in Palm Bay.
Don’t buy Palm Bay, FL auto insurance until you’ve compared rates. Get free Palm Bay, Florida auto insurance quotes when you enter your ZIP code above.
Palm Bay, FL Minimum Auto Insurance Requirements
The required auto insurance in Palm Bay, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Palm Bay, Florida is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $10,000 per person $20,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Find Cheap Palm Bay, FL Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Palm Bay, FL. Take a look at Palm Bay, Florida auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,307 | $5,866 | $4,749 |
| Geico | $4,889 | $2,969 | $2,235 |
| Liberty Mutual | $5,651 | $4,171 | $3,399 |
| Nationwide | $4,308 | $3,180 | $2,881 |
| Progressive | $7,040 | $4,996 | $4,157 |
| State Farm | $4,165 | $2,724 | $2,231 |
| USAA | $4,259 | $2,105 | $1,534 |
Buy Cheap Palm Bay, FL Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Palm Bay, Florida auto insurance rates? Find out how car insurance rates in Palm Bay, FL are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,152 | $3,960 | $3,612 | $3,661 | $14,144 | $15,314 | $4,117 | $4,166 |
| Geico | $2,651 | $2,664 | $2,485 | $2,485 | $4,746 | $5,988 | $2,922 | $2,973 |
| Liberty Mutual | $3,079 | $3,079 | $2,829 | $2,829 | $6,404 | $9,815 | $3,079 | $4,142 |
| Nationwide | $2,441 | $2,413 | $2,187 | $2,261 | $5,773 | $7,101 | $2,683 | $2,792 |
| Progressive | $3,627 | $3,410 | $3,110 | $3,329 | $10,170 | $11,053 | $4,355 | $4,129 |
| State Farm | $1,908 | $1,908 | $1,739 | $1,739 | $5,562 | $7,080 | $2,120 | $2,262 |
| USAA | $1,533 | $1,507 | $1,445 | $1,429 | $5,203 | $5,996 | $1,902 | $2,044 |
Buy Cheap Palm Bay, FL Auto Insurance for Teen Drivers
Auto insurance for teenagers in Palm Bay can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Palm Bay, FL are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $14,144 | $15,314 |
| Geico | $4,746 | $5,988 |
| Liberty Mutual | $6,404 | $9,815 |
| Nationwide | $5,773 | $7,101 |
| Progressive | $10,170 | $11,053 |
| State Farm | $5,562 | $7,080 |
| USAA | $5,203 | $5,996 |
Buy Cheap Palm Bay, FL Auto Insurance for Seniors
You can save on senior auto insurance rates in Palm Bay, Florida by comparing Palm Bay senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Palm Bay, FL here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,612 | $3,661 |
| Geico | $2,485 | $2,485 |
| Liberty Mutual | $2,829 | $2,829 |
| Nationwide | $2,187 | $2,261 |
| Progressive | $3,110 | $3,329 |
| State Farm | $1,739 | $1,739 |
| USAA | $1,445 | $1,429 |
Find Cheap Auto Insurance Rates in Palm Bay, FL by Coverage Level
The amount of coverage you choose is a big factor in the cost of Palm Bay, Florida auto insurance. Compare Palm Bay, FL auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,128 | $6,984 | $7,810 |
| Geico | $2,714 | $3,489 | $3,890 |
| Liberty Mutual | $4,030 | $4,474 | $4,717 |
| Nationwide | $2,690 | $3,601 | $4,078 |
| Progressive | $4,459 | $5,531 | $6,204 |
| State Farm | $2,563 | $3,118 | $3,439 |
| USAA | $2,207 | $2,742 | $2,948 |
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Find Cheap Palm Bay, FL Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Palm Bay. Compare auto insurance rates in Palm Bay, FL by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,451 | $6,830 |
| Geico | $3,348 | $3,381 |
| Liberty Mutual | $4,268 | $4,546 |
| Nationwide | $3,456 | $3,456 |
| Progressive | $5,398 | $5,398 |
| State Farm | $2,936 | $3,144 |
| USAA | $2,602 | $2,663 |
Find Cheap Palm Bay, FL Auto Insurance Rates by ZIP Code
Auto insurance rates in Palm Bay, Florida can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Palm Bay, FL to see how much where you live in Palm Bay affects the cost of car insurance.
| ZIP Code | Average Annual Rates |
|---|---|
| 32905 | $3,185 |
| 32907 | $3,185 |
| 32908 | $3,184 |
| 32909 | $3,185 |
Find Cheap Palm Bay, FL Auto Insurance Rates by Driving Record
Auto insurance rates in Palm Bay, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Palm Bay, FL, take a look at the average cost for various violations versus rates for a clean driving record in Palm Bay.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,735 | $6,868 | $7,602 | $6,357 |
| Geico | $2,354 | $2,999 | $4,447 | $3,657 |
| Liberty Mutual | $3,196 | $4,130 | $5,961 | $4,340 |
| Nationwide | $2,961 | $3,242 | $4,341 | $3,281 |
| Progressive | $4,265 | $6,299 | $5,311 | $5,716 |
| State Farm | $2,778 | $3,302 | $3,040 | $3,040 |
| USAA | $2,066 | $2,547 | $3,752 | $2,165 |
Find Cheap Palm Bay, FL Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Palm Bay, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Palm Bay for less when you shop around and compare rates from multiple Palm Bay, FL auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,602 |
| Geico | $4,447 |
| Liberty Mutual | $5,961 |
| Nationwide | $4,341 |
| Progressive | $5,311 |
| State Farm | $3,040 |
| USAA | $3,752 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Palm Bay, FL
Compare rates from the cheapest auto insurance companies in Palm Bay, FL for your needs. Take a look at how Palm Bay, Florida auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Find Cheap Palm Bay, Florida Auto Insurance Companies
If you’re looking for the cheapest Palm Bay, FL auto insurance companies overall, you can compare them here. Find the best price for Palm Bay, Florida car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,641 |
| Geico | $3,364 |
| Liberty Mutual | $4,407 |
| Nationwide | $3,456 |
| Progressive | $5,398 |
| State Farm | $3,040 |
| USAA | $2,632 |
What affects Palm Bay, Florida auto insurance rates?
Local factors affect auto insurance rates in Palm Bay, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Palm Bay auto insurance rates.
Auto Theft in Palm Bay
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Palm Bay, FL auto theft show a total of 124 vehicle thefts annually.
Commute Times in Palm Bay
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Palm Bay, FL is 26.6 minutes according to City-Data.
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Compare Auto Insurance Quotes in Palm Bay, FL
You can buy cheap Palm Bay, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Palm Bay, Florida auto insurance quotes from top companies.
Frequently Asked Questions
Why should I consider buying cheap auto insurance in Palm Bay, FL in 2023?
Purchasing auto insurance is not only a legal requirement but also provides financial protection in case of accidents, damage, or theft. Cheap auto insurance can help you meet the legal obligation while minimizing your financial burden.
Is it possible to find cheap auto insurance in Palm Bay, FL in 2023?
Yes, it is possible to find affordable auto insurance in Palm Bay, FL in 2023. By comparing quotes from multiple insurance providers, you can identify the most cost-effective options that meet your coverage needs.
What factors can affect the cost of auto insurance in Palm Bay, FL?
Several factors can impact the cost of auto insurance, including your driving record, age, gender, location, type of vehicle, coverage limits, deductibles, and any additional coverage options you choose.
What are the advantages of buying cheap auto insurance in Palm Bay, FL in 2023?
- Cost savings: Cheap auto insurance allows you to meet the legal requirements without spending excessively.
- Financial protection: Even with a lower premium, you can still obtain coverage for accidents, property damage, and medical expenses up to your policy limits.
- Peace of mind: Having insurance gives you peace of mind knowing that you are financially protected in case of unexpected events.
Are there any disadvantages to buying cheap auto insurance in Palm Bay, FL in 2023?
- Limited coverage options: Cheap auto insurance policies may offer limited coverage options, which could leave you exposed to higher costs in certain situations.
- Higher deductibles: To keep premiums low, cheap policies often come with higher deductibles, meaning you’ll have to pay more out of pocket before your coverage kicks in.
- Customer service quality: Some cheaper insurance providers may not offer the same level of customer service or claims support as more established companies.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.