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Get Cheap Car Insurance in Palmetto Bay, FL
We monitor insurance prices, helping the average driver in Palmetto Bay save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Palmetto Bay
The chart below shows the cheapest car insurance company in Palmetto Bay 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.
| Palmetto Bay Insurer | Monthly Cost |
|---|---|
| Geico | $151 |
| State Farm | $160 |
| Gainsco | $209 |
| Bristol West | $209 |
Savings for Every Kind of Palmetto Bay Driver
Based on our extensive insurance data, we know the average Palmetto Bay 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 $927 per year by choosing the right vehicle insurance company. Some Palmetto Bay residents are paying out over $3,169 extra every year for auto insurance in Palmetto Bay. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Palmetto Bay, FL Savings / Yr. |
|---|---|
$927 |
|
$1,362 |
|
$1,047 |
|
$1,036 |
|
$3,293 |
|
$900 |
|
$1,311 |
Palmetto Bay Car Insurance vs. Florida
People living in Palmetto Bay pay an average of 19.96% more than the typical driver in the state. The average driver in Palmetto Bay can expect to pay about $2,893 per year, or $3,169 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Palmetto Bay for most people.
Car Insurance Prices by Palmetto Bay Neighborhood
Insurance Prices
Where is insurance cheapest within Palmetto Bay?
The map shows insurance prices in and around Palmetto Bay, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $315 per year within the city boundaries, with insurance premiums ranging from a high of $3,372 to a low of $3,057. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northwest parts of Palmetto Bay.Pick the Best Car Insurance Company for You in Palmetto Bay
The best car insurance provider for most drivers in Palmetto Bay
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $927 over the average Palmetto Bay car insurance company.
The best car insurance provider for Palmetto Bay 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 $1,362 over the competition.
The best car insurance company for Palmetto Bay drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $1,047 better than other car insurance companies.
The best auto insurance for Palmetto Bay drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $1,036 less each year.
The least expensive car insurance company for new and young drivers in Palmetto Bay
In Palmetto Bay, Geico costs young drivers $3,293 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Palmetto Bay
Geico gave the largest car insurance discounts to married couples, averaging $900 saved each year compared to an average Palmetto Bay couple's premiums.
The cheapest car insurance in Palmetto Bay for drivers with bad credit
The best Palmetto Bay car insurance company for customer service
Allstate was the best company for customer service in Palmetto Bay according to the NAIC.
Recent price drops
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The cheapest large national provider in Palmetto Bay
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Palmetto Bay 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 Palmetto Bay, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Palmetto Bay
What Influences the Cost of Car Insurance in Palmetto Bay?
On average, car insurance in Palmetto Bay 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:
- The average commute time in Palmetto Bay is 49 minutes, which is far more than 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 Palmetto Bay are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Palmetto Bay is a lightly populated area 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 Palmetto Bay is $241 per month for minimum coverage and $264 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
- Palmetto Estates: Insurance costs 7.13% more
- West Perrine: Insurance costs 8.27% more
- Richmond Heights: Insurance costs 9.31% more
- Cutler Bay: Insurance costs 3.50% more
- Perrine: Insurance costs 6.91% more
- Pinecrest: Insurance costs 0.47% less
- South Miami Heights: Insurance costs 8.52% more
- Kendall: Insurance costs 2.65% more
- Three Lakes: Insurance costs 2.65% more
- Goulds: Insurance costs 7.98% more
Cities with Similar Populations
- American Canyon: Insurance costs 33.01% less
- New Brighton: Insurance costs 45.63% less
- North Salt Lake: Insurance costs 55.47% less
- North Lynnwood: Insurance costs 46.36% less
- North Liberty: Insurance costs 61.75% less
- North Kingstown: Insurance costs 30.51% less
- Nogales: Insurance costs 46.67% less
- Nipomo: Insurance costs 40.77% less
- Newton: Insurance costs 47.84% less
- New Philadelphia: Insurance costs 65.70% less