Best Cheap Auto Insurance in Palm Coast, FL (2021)

The average Palm Coast, FL auto insurance rates are $328 per month. The minimum auto insurance in Palm Coast is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Palm Coast, Florida, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Palm Coast, Florida is 10/20/10
  • The most expensive auto insurance company in Palm Coast for teen drivers is Allstate
  • The average commute length in Palm Coast is 26.6 minutes

Palm Coast, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Palm Coast can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Palm Coast, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Palm Coast to other Florida cities, including Fort Lauderdale auto insurance rates, St. Petersburg auto insurance rates, and Cape Coral auto insurance rates to see how Palm Coast, Florida auto insurance rates stack up.

Before you buy Palm Coast, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Palm Coast, Florida auto insurance quotes.

Minimum Auto Insurance in Palm Coast, Florida

Palm Coast, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Palm Coast, Florida.

Minimum Required Auto Insurance Coverage in Palm Coast, 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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Cheap Palm Coast, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Palm Coast, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Palm Coast, 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 $3,843 $3,705 $3,365 $3,434 $13,351 $14,583 $3,880 $3,953
GEICO $2,612 $2,626 $2,443 $2,443 $4,641 $5,831 $2,877 $2,926
Liberty Mutual $3,075 $3,075 $2,826 $2,826 $6,396 $9,801 $3,075 $4,137
Nationwide $2,428 $2,402 $2,171 $2,246 $5,847 $7,219 $2,675 $2,791
Progressive $3,415 $3,233 $2,937 $3,142 $9,553 $10,444 $4,128 $3,965
State Farm $1,720 $1,720 $1,563 $1,563 $4,917 $6,269 $1,904 $2,039
USAA $1,332 $1,312 $1,240 $1,234 $4,458 $5,185 $1,663 $1,797

Cheap Palm Coast, Florida Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Palm Coast, Florida is a challenge. Take a look at the annual teen auto insurance rates in Palm Coast, Florida.

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,351 $14,583
GEICO $4,641 $5,831
Liberty Mutual $6,396 $9,801
Nationwide $5,847 $7,219
Progressive $9,553 $10,444
State Farm $4,917 $6,269
USAA $4,458 $5,185

Cheap Palm Coast, Florida Auto Insurance for Seniors

What are senior auto insurance rates in Palm Coast, Florida? Take a look at the annual average rates for older drivers.

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,365 $3,434
GEICO $2,443 $2,443
Liberty Mutual $2,826 $2,826
Nationwide $2,171 $2,246
Progressive $2,937 $3,142
State Farm $1,563 $1,563
USAA $1,240 $1,234

Cheap Palm Coast, Florida Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Palm Coast, Florida compared to the annual auto insurance rates with a clean record in Palm Coast, Florida.

Annual Palm Coast, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,404 $6,454 $7,197 $6,002
GEICO $2,313 $2,943 $4,357 $3,586
Liberty Mutual $3,199 $4,127 $5,945 $4,335
Nationwide $2,972 $3,253 $4,369 $3,297
Progressive $4,030 $5,957 $5,015 $5,407
State Farm $2,485 $2,939 $2,712 $2,712
USAA $1,796 $2,203 $3,231 $1,880

Cheap Palm Coast, Florida Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Palm Coast, Florida is not easy. Compare the annual rates for DUI auto insurance in Palm Coast, Florida to find the best deal.

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,197
GEICO $4,357
Liberty Mutual $5,945
Nationwide $4,369
Progressive $5,015
State Farm $2,712
USAA $3,231

Cheap Palm Coast, Florida Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Palm Coast, Florida annual auto insurance rates by credit history compare.

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

Insurance Company Poor Fair Good
Allstate $8,731 $5,546 $4,516
GEICO $4,785 $2,914 $2,200
Liberty Mutual $5,643 $4,166 $3,395
Nationwide $4,327 $3,194 $2,897
Progressive $6,659 $4,718 $3,930
State Farm $3,683 $2,439 $2,013
USAA $3,714 $1,807 $1,311

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Cheap Palm Coast, Florida Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Palm Coast, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Palm Coast, Florida to see how car insurance rates are affected by location.

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

ZIP Code Average Annual Rates
32137 $3,030
32143 $3,061
32164 $3,030

Cheap Palm Coast, Florida Auto Insurance Rates By Commute

Commute length and annual mileage affect Palm Coast, Florida auto insurance. Find the cheapest annual Palm Coast, Florida auto insurance by commute length.

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,084 $6,445
GEICO $3,284 $3,316
Liberty Mutual $4,262 $4,541
Nationwide $3,473 $3,473
Progressive $5,102 $5,102
State Farm $2,621 $2,803
USAA $2,252 $2,303

Cheap Palm Coast, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Palm Coast, Florida? Check out the comparison of annual Palm Coast, Florida auto insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $4,847 $6,585 $7,361
GEICO $2,699 $3,416 $3,785
Liberty Mutual $4,019 $4,470 $4,716
Nationwide $2,762 $3,606 $4,049
Progressive $4,332 $5,213 $5,763
State Farm $2,308 $2,776 $3,051
USAA $1,982 $2,354 $2,497

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Best By Category: Cheapest Auto Insurance in Palm Coast, Florida

Compare the cheapest auto insurance companies in Palm Coast, Florida in each category to find the company with the best rates for your personal needs.

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

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Palm Coast, Florida Auto Insurance Companies

What auto insurance companies in Palm Coast, Florida are the cheapest? Compare the top Palm Coast, Florida auto insurance companies to find the best annual rates.

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

Insurance Company Average Annual Rates
Allstate $6,264
GEICO $3,300
Liberty Mutual $4,401
Nationwide $3,473
Progressive $5,102
State Farm $2,712
USAA $2,278

What affects auto insurance rates in Palm Coast, Florida?

There are a lot of reasons why auto insurance rates in Palm Coast, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Palm Coast, Florida. Many local factors may affect your Palm Coast auto insurance rates.

Palm Coast Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Palm Coast, Florida commute length is 26.6 minutes according to City-Data.

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Compare Palm Coast, Florida Auto Insurance Quotes

Before you buy Palm Coast, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Palm Coast, Florida auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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