Buy Cheap Palm Bay, FL Auto Insurance (2022)

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: May 10, 2022

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A Concise Overview

  • 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.

Minimum Required Auto Insurance Coverage in Palm Bay, Florida

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.

Annual Auto Insurance Rates by Credit Score in Palm Bay, Florida

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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Palm Bay, Florida

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.

Annual Auto Insurance Rates for Teen Drivers in Palm Bay, Florida

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.

Annual Auto Insurance Rates for Senior Drivers in Palm Bay, Florida

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.

Annual Auto Insurance Rates by Coverage Level in Palm Bay, Florida

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.

Annual Auto Insurance Rates by Commute Length in Palm Bay, Florida

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.

Annual Auto Insurance Rates by ZIP Code in Palm Bay, Florida

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.

Annual Palm Bay, Florida Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Palm Bay, Florida

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.

Best Annual Auto Insurance Rates by Company in Palm Bay, Florida

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.

Average Annual Auto Insurance Rates by Company in Palm Bay, Florida

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.

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