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Get Cheap Car Insurance in Palm Coast, FL
We monitor insurance prices, helping the average driver in Palm Coast save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Palm Coast
The chart below shows the cheapest car insurance company in Palm Coast 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.
| Palm Coast Insurer | Monthly Cost |
|---|---|
| Geico | $118 |
| State Farm | $125 |
| Gainsco | $163 |
| Bristol West | $163 |
Savings for Every Kind of Palm Coast Driver
Based on our extensive insurance data, we know the average Palm Coast 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 $721 per year by choosing the right vehicle insurance company. Some Palm Coast residents are paying out over $2,466 extra every year for auto insurance in Palm Coast. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Palm Coast, FL Savings / Yr. |
|---|---|
$721 |
|
$1,059 |
|
$815 |
|
$806 |
|
$2,562 |
|
$700 |
|
$1,020 |
Palm Coast Car Insurance vs. Florida
People living in Palm Coast pay an average of 6.67% less than the typical driver in the state. The average driver in Palm Coast can expect to pay about $2,251 per year, or $2,466 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Palm Coast for most people.
Car Insurance Prices by Palm Coast Neighborhood
Insurance Prices
Where is insurance cheapest within Palm Coast?
The map shows insurance prices in and around Palm Coast, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $358 per year within the city boundaries, with insurance premiums ranging from a high of $2,705 to a low of $2,347. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southeast parts of Palm Coast.Pick the Best Car Insurance Company for You in Palm Coast
The best car insurance provider for most drivers in Palm Coast
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $721 over the average Palm Coast car insurance company.
The best car insurance provider for Palm Coast 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 $1,059 over the competition.
The best car insurance company for Palm Coast drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $815 better than other car insurance companies.
The best auto insurance for Palm Coast drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $806 less each year.
The least expensive car insurance company for new and young drivers in Palm Coast
In Palm Coast, Geico costs young drivers $2,562 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Palm Coast
Geico gave the largest car insurance discounts to married couples, averaging $700 saved each year compared to an average Palm Coast couple's premiums.
The cheapest car insurance in Palm Coast for drivers with bad credit
The best Palm Coast car insurance company for customer service
Recent price drops
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The cheapest large national provider in Palm Coast
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Palm Coast 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 Palm Coast, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Palm Coast
What Influences the Cost of Car Insurance in Palm Coast?
On average, car insurance in Palm Coast is actually less expensive than the rest of the state. These low 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:
- The average commute time in Palm Coast is 33 minutes, which is about the national average for a driver in the state.
- 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 Palm Coast are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- Palm Coast is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Palm Coast is $188 per month for minimum coverage and $205 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
- Beverly Beach: Insurance costs 2.47% more
- Espanola: Insurance costs 3.73% less
- Flagler Beach: Insurance costs 3.04% less
- Bunnell: Insurance costs 2.68% less
- Dupont: Insurance costs 4.10% less
- Flagler Estates: Insurance costs 2.23% less
- Andalusia: Insurance costs 3.73% less
- Yelvington: Insurance costs 0.41% less
- Crescent City: Insurance costs the same
- Lake Como: Insurance costs 1.46% less
Cities with Similar Populations
- Gainesville: Insurance costs 25.75% less
- Franklin: Insurance costs 43.67% less
- Fort Wayne: Insurance costs 48.99% less
- Fort Worth: Insurance costs 24.49% less
- Garden Grove: Insurance costs 8.92% less
- Fredericksburg: Insurance costs 49.19% less
- Framingham: Insurance costs 31.31% less
- Frisco: Insurance costs 25.10% less
- Fresno: Insurance costs 16.10% less
- Gainesville: Insurance costs 1.95% more