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Get Cheap Car Insurance in Southwest, West Palm Beach, FL

We monitor insurance prices, helping the average driver in Southwest save up to 34.6% on car insurance.

 

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The Cheapest Minimum Coverage in Southwest

The chart below shows the cheapest car insurance company in Southwest 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.

 
Southwest Insurer Monthly Cost
Geico $158
State Farm $167
Gainsco $218
Bristol West $218

Savings for Every Kind of Southwest Driver

The table shows how much the average auto insurance customer in Southwest might save by following our recommendations.

Based on our extensive insurance data, we know the average Southwest 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 $967 per year by choosing the right vehicle insurance company. Some Southwest residents are paying out over $3,304 extra every year for auto insurance in Southwest. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Southwest, West Palm Beach, FL Savings / Yr.
Drivers with good records
$967
Drivers with accidents
$1,420
Drivers with speeding tickets
$1,092
Drivers with a DUI conviction
$1,081
Young drivers
$3,433
Married drivers
$938
Drivers with bad credit
$1,367

Southwest Car Insurance vs. West Palm Beach

People living in Southwest pay an average of 25.07% more than the typical driver in the state. The average driver in Southwest can expect to pay about $3,017 per year, or $3,304 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Southwest for most people.

Car Insurance Prices by Southwest Neighborhood

Southwest, West Palm Beach, FL map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Southwest?

The map shows insurance prices in and around Southwest, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $200 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,404 to a low of $3,204. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast parts of Southwest.

Pick the Best Car Insurance Company for You in Southwest

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Southwest insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Southwest

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $967 over the average Southwest car insurance company.

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We use the average good driver, paying $195 per month, as our baseline for pricing in Southwest. State Farm, Geico, and Travelers are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Southwest drivers with accidents on their records

In Southwest getting into an accident will raise premiums an average 28% for a yearly cost of $4,587. That's $1,283 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Travelers are good choices for drivers with accidents.

In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,420 over the competition.

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The best car insurance company for Southwest drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $1,092 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Southwest, tickets raise premiums on new quotes about $920. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $4,225 per year.

The best auto insurance for Southwest drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,510 per year in auto insurance premiums, which was $1,206 more than a driver with no major issues. State Farm, Geico, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Geico may cost the average person with a DUI about $1,081 less each year.

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The least expensive car insurance company for new and young drivers in Southwest

In Southwest, Geico costs young drivers $3,433 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in Southwest. With an average cost of $9,915 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Southwest

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $233. State Farm, Geico, and Progressive provided the largest discounts to couples living in Southwest.

Geico gave the largest car insurance discounts to married couples, averaging $938 saved each year compared to an average Southwest couple's premiums.

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The cheapest car insurance in Southwest for drivers with bad credit

People with poor credit saved an average of $1,367 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,580 every year. Premiums for people with poor credit were about $4,884 in Southwest. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Gainsco.

The best Southwest car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Southwest, the National Association of Insurance Commissioners (NAIC) ranks Allstate as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Southwest.

Allstate was the best company for customer service in Southwest according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Southwest, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Southwest. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Southwest

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 48% of Southwest residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Southwest driver can expect to pay about $156 per month.

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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 Southwest, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.
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Auto Insurance Prices in and Around Southwest

What Influences the Cost of Car Insurance in Southwest?

On average, car insurance in Southwest 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 neighborhood are influenced by the following factors:

  • The average commute time in Southwest is 30 minutes, which is a little less than average for a driver in the city.
  • 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 Southwest are lower than average 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 D- according to CrimeGrade.org.
  • Southwest is a lightly populated area in the state. The neighborhood’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 Southwest is $251 per month for minimum coverage and $275 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 Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Southwest driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Southwest with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.