Compare Boca Raton, FL Car Insurance Rates (2021)

Car insurance in Boca Raton, FL averages $497 a month. Boca Raton, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Boca Raton car insurance rates, compare quotes from the top car insurance companies in Boca Raton, FL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Boca Raton is 33434
  • Average car insurance rates in Boca Raton, FL after a DUI are $7,200/year
  • The cheapest car insurance company in Boca Raton for teen drivers is USAA

If you need to buy Boca Raton, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Boca Raton, FL is right here.

You’ll find Boca Raton car insurance rates, the cheapest Boca Raton, FL car insurance companies, and information on Florida car insurance laws. You can also compare Boca Raton, Florida car insurance rates to Cape Coral car insurance rates, Tallahassee car insurance rates, and St. Petersburg car insurance rates.

Ready to find affordable Boca Raton, FL car insurance today? Enter your ZIP code for fast, free Boca Raton car insurance quotes.

Cheapest Boca Raton, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Boca Raton, FL car insurance rates? Every Boca Raton, Florida car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Boca Raton, 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 $5,597 $5,317 $4,883 $4,940 $19,554 $21,222 $5,458 $5,492
GEICO $4,111 $4,123 $3,844 $3,844 $7,426 $9,274 $4,532 $4,575
Liberty Mutual $4,723 $4,723 $4,313 $4,313 $10,158 $15,739 $4,723 $6,468
Nationwide $4,079 $4,025 $3,625 $3,755 $10,038 $12,399 $4,509 $4,698
Progressive $4,756 $4,437 $4,041 $4,344 $13,632 $14,785 $5,714 $5,373
State Farm $2,642 $2,642 $2,398 $2,398 $7,419 $9,476 $2,942 $3,120
USAA $1,932 $1,894 $1,817 $1,792 $6,821 $7,881 $2,413 $2,596

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Minimum Car Insurance in Boca Raton, FL

Every driver must carry the minimum car insurance in Boca Raton, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car Insurance Coverage in Boca Raton, 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

Cheapest Boca Raton, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Boca Raton, FL. Compare credit history car insurance rates in Boca Raton from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Boca Raton, Florida

Insurance Company Poor Fair Good
Allstate $12,724 $8,003 $6,446
GEICO $7,671 $4,579 $3,399
Liberty Mutual $8,931 $6,509 $5,244
Nationwide $7,396 $5,401 $4,876
Progressive $9,265 $6,628 $5,513
State Farm $5,690 $3,692 $3,007
USAA $5,502 $2,710 $1,969

Cheapest Boca Raton, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Boca Raton, FL to rates for a clean record with top companies.

Annual Boca Raton, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,782 $9,385 $10,407 $8,657
GEICO $3,581 $4,625 $6,969 $5,690
Liberty Mutual $4,868 $6,428 $9,502 $6,782
Nationwide $5,004 $5,508 $7,476 $5,577
Progressive $5,613 $8,346 $7,021 $7,562
State Farm $3,766 $4,493 $4,130 $4,130
USAA $2,633 $3,278 $4,896 $2,767

Cheapest Boca Raton, FL Car Insurance for Teen Drivers

Teen car insurance in Boca Raton, FL can be expensive. Take a look at rates from the top car insurance companies in Boca Raton for teenagers.

Annual Car Insurance Rates for Teen Drivers in Boca Raton, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,554 $21,222
GEICO $7,426 $9,274
Liberty Mutual $10,158 $15,739
Nationwide $10,038 $12,399
Progressive $13,632 $14,785
State Farm $7,419 $9,476
USAA $6,821 $7,881

Cheapest Boca Raton, FL Car Insurance for Seniors

Take a look at Boca Raton, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Boca Raton, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,883 $4,940
GEICO $3,844 $3,844
Liberty Mutual $4,313 $4,313
Nationwide $3,625 $3,755
Progressive $4,041 $4,344
State Farm $2,398 $2,398
USAA $1,817 $1,792

Cheapest Boca Raton, FL Car Insurance Rates After a DUI

A DUI in Boca Raton, FL increases car insurance rates. Compare Boca Raton, Florida DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Boca Raton, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,407
GEICO $6,969
Liberty Mutual $9,502
Nationwide $7,476
Progressive $7,021
State Farm $4,130
USAA $4,896

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Cheapest Boca Raton, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Boca Raton, FL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Boca Raton, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,800 $9,315
GEICO $5,191 $5,241
Liberty Mutual $6,666 $7,124
Nationwide $5,891 $5,891
Progressive $7,135 $7,135
State Farm $3,981 $4,278
USAA $3,355 $3,432

Cheapest Boca Raton, FL Car Insurance Rates by ZIP Code

Boca Raton car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Boca Raton, FL.

Annual Car Insurance Rates by ZIP Code in Boca Raton, Florida

ZIP Code Average Annual Rates
33428 $4,545
33431 $4,582
33432 $4,582
33433 $4,579
33434 $4,543
33486 $4,582
33487 $4,582
33496 $4,621
33498 $4,621

The Best Cheap Car Insurance Companies in Boca Raton, FL

Take a look at a side-by-side comparison of the top car insurance companies in Boca Raton, FL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Boca Raton, Florida

Insurance Company Average Annual Rates
Allstate $9,058
GEICO $5,216
Liberty Mutual $6,895
Nationwide $5,891
Progressive $7,135
State Farm $4,130
USAA $3,394

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Category Winners: Cheapest Car Insurance in Boca Raton, Florida

Find the cheapest car insurance companies in Boca Raton, FL for each category right here.

Best Annual Car Insurance Rates by Company in Boca Raton, 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

Cheapest Boca Raton, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Boca Raton car insurance rates. Find the cheapest Boca Raton, FL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Boca Raton, Florida

Insurance Company Low Medium High
Allstate $6,774 $9,575 $10,824
GEICO $4,176 $5,416 $6,057
Liberty Mutual $6,281 $7,018 $7,386
Nationwide $4,541 $6,143 $6,990
Progressive $5,768 $7,328 $8,310
State Farm $3,509 $4,232 $4,648
USAA $2,872 $3,531 $3,778

What affects car insurance rates in Boca Raton, Florida?

What factors can have an impact on Boca Raton, FL car insurance? There are several reasons why Boca Raton car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Boca Raton, Florida.

Car Theft in Boca Raton

High levels of vehicle theft can make car insurance more expensive. Boca Raton, FL car theft statistics from the FBI indicate 190 vehicle thefts a year.

Commute Time in Boca Raton

The more time you spend in your car the higher the risk of an accident. The average commute length in Boca Raton, FL is 21.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Boca Raton, FL

Ready to find affordable Boca Raton, Florida car insurance today? Enter your ZIP code for fast, free Boca Raton, FL car insurance quotes.

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Average Monthly Car Insurance Rates by State