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Get Cheap Car Insurance in Delray Beach, FL
We monitor insurance prices, helping the average driver in Delray Beach save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Delray Beach
The chart below shows the cheapest car insurance company in Delray Beach for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.
| Delray Beach Insurer | Monthly Cost |
|---|---|
| Geico | $144 |
| State Farm | $153 |
| Gainsco | $199 |
| Bristol West | $199 |
Savings for Every Kind of Delray Beach Driver
Based on our extensive insurance data, we know the average Delray Beach driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $882 per year by choosing the right vehicle insurance company. Some Delray Beach residents are paying out over $3,016 extra every year for auto insurance in Delray Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Delray Beach, FL Savings / Yr. |
|---|---|
$882 |
|
$1,295 |
|
$996 |
|
$986 |
|
$3,133 |
|
$856 |
|
$1,248 |
Delray Beach Car Insurance vs. Florida
People living in Delray Beach pay an average of 14.14% more than the typical driver in the state. The average driver in Delray Beach can expect to pay about $2,753 per year, or $3,016 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Delray Beach for most people.
Car Insurance Prices by Delray Beach Neighborhood
Insurance Prices
Where is insurance cheapest within Delray Beach?
The map shows insurance prices in and around Delray Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $670 per year within the city boundaries, with insurance premiums ranging from a high of $3,396 to a low of $2,726. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Delray Beach.Pick the Best Car Insurance Company for You in Delray Beach
The best car insurance provider for most drivers in Delray Beach
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $882 over the average Delray Beach car insurance company.
The best car insurance provider for Delray Beach drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,295 over the competition.
The best car insurance company for Delray Beach drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $996 better than other car insurance companies.
The best auto insurance for Delray Beach drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $986 less each year.
The least expensive car insurance company for new and young drivers in Delray Beach
In Delray Beach, Geico costs young drivers $3,133 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Delray Beach
Geico gave the largest car insurance discounts to married couples, averaging $856 saved each year compared to an average Delray Beach couple's premiums.
The cheapest car insurance in Delray Beach for drivers with bad credit
The best Delray Beach car insurance company for customer service
Allstate was the best company for customer service in Delray Beach according to the NAIC.
Recent price drops
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The cheapest large national provider in Delray Beach
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Delray Beach driver can expect to pay about $156 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Delray Beach, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Delray Beach
What Influences the Cost of Car Insurance in Delray Beach?
On average, car insurance in Delray Beach is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Delray Beach are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Delray Beach has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Delray Beach is $229 per month for minimum coverage and $251 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Golf: Insurance costs 1.19% more
- Highland Beach: Insurance costs 0.80% more
- Gulf Stream: Insurance costs 2.75% more
- Boynton Beach: Insurance costs 1.43% more
- Briny Breezes: Insurance costs the same
- Ocean Ridge: Insurance costs 0.03% more
- Boca Raton: Insurance costs 1.99% less
- Cypress Quarters: Insurance costs 1.79% less
- Hypoluxo: Insurance costs 6.63% more
- Manalapan: Insurance costs 0.86% more
Cities with Similar Populations
- St. George: Insurance costs 54.91% less
- South Bend: Insurance costs 56.86% less
- Spring: Insurance costs 40.15% less
- St. Cloud: Insurance costs 45.72% less
- Springfield: Insurance costs 40.65% less
- St. Cloud: Insurance costs 12.90% less
- Simpsonville: Insurance costs 46.58% less
- Snellville: Insurance costs 29.84% less
- Sioux City: Insurance costs 57.69% less
- Sioux Falls: Insurance costs 47.65% less