Compare Palm Coast, FL Car Insurance Rates (2021)

Car insurance in Palm Coast, FL averages $328 a month. Palm Coast, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Palm Coast car insurance rates, compare quotes from the top car insurance companies in Palm Coast, 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 car insurance company in Palm Coast for teen drivers is USAA
  • Average car insurance rates in Palm Coast, FL are $3,933/year
  • Average car insurance rates in Palm Coast, FL after a DUI are $4,689/year

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

You’ll find Palm Coast car insurance rates, the cheapest Palm Coast, FL car insurance companies, and information on Florida car insurance laws. You can also compare Palm Coast, Florida car insurance rates to Tallahassee car insurance rates, Port St. Lucie car insurance rates, and Fort Lauderdale car insurance rates.

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

Cheapest Palm Coast, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Palm Coast, FL car insurance rates? Every Palm Coast, 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 Palm Coast, 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 $3,843 $3,705 $3,365 $3,434 $13,351 $14,583 $3,880 $3,953
GEICO $2,612 $2,626 $2,443 $2,443 $4,641 $5,831 $2,877 $2,926
Liberty Mutual $3,075 $3,075 $2,826 $2,826 $6,396 $9,801 $3,075 $4,137
Nationwide $2,428 $2,402 $2,171 $2,246 $5,847 $7,219 $2,675 $2,791
Progressive $3,415 $3,233 $2,937 $3,142 $9,553 $10,444 $4,128 $3,965
State Farm $1,720 $1,720 $1,563 $1,563 $4,917 $6,269 $1,904 $2,039
USAA $1,332 $1,312 $1,240 $1,234 $4,458 $5,185 $1,663 $1,797

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Minimum Car Insurance in Palm Coast, FL

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

Minimum Required Car Insurance Coverage in Palm Coast, 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 Palm Coast, FL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Palm Coast, Florida

Insurance Company Poor Fair Good
Allstate $8,731 $5,546 $4,516
GEICO $4,785 $2,914 $2,200
Liberty Mutual $5,643 $4,166 $3,395
Nationwide $4,327 $3,194 $2,897
Progressive $6,659 $4,718 $3,930
State Farm $3,683 $2,439 $2,013
USAA $3,714 $1,807 $1,311

Cheapest Palm Coast, 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 Palm Coast, FL to rates for a clean record with top companies.

Annual Palm Coast, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,404 $6,454 $7,197 $6,002
GEICO $2,313 $2,943 $4,357 $3,586
Liberty Mutual $3,199 $4,127 $5,945 $4,335
Nationwide $2,972 $3,253 $4,369 $3,297
Progressive $4,030 $5,957 $5,015 $5,407
State Farm $2,485 $2,939 $2,712 $2,712
USAA $1,796 $2,203 $3,231 $1,880

Cheapest Palm Coast, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Palm Coast, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,351 $14,583
GEICO $4,641 $5,831
Liberty Mutual $6,396 $9,801
Nationwide $5,847 $7,219
Progressive $9,553 $10,444
State Farm $4,917 $6,269
USAA $4,458 $5,185

Cheapest Palm Coast, FL Car Insurance for Seniors

Take a look at Palm Coast, 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 Palm Coast, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,365 $3,434
GEICO $2,443 $2,443
Liberty Mutual $2,826 $2,826
Nationwide $2,171 $2,246
Progressive $2,937 $3,142
State Farm $1,563 $1,563
USAA $1,240 $1,234

Cheapest Palm Coast, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Palm Coast, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,197
GEICO $4,357
Liberty Mutual $5,945
Nationwide $4,369
Progressive $5,015
State Farm $2,712
USAA $3,231

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Cheapest Palm Coast, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Palm Coast, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,084 $6,445
GEICO $3,284 $3,316
Liberty Mutual $4,262 $4,541
Nationwide $3,473 $3,473
Progressive $5,102 $5,102
State Farm $2,621 $2,803
USAA $2,252 $2,303

Cheapest Palm Coast, FL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Palm Coast, Florida

ZIP Code Average Annual Rates
32137 $3,030
32143 $3,061
32164 $3,030

The Best Cheap Car Insurance Companies in Palm Coast, FL

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

Average Annual Car Insurance Rates by Company in Palm Coast, Florida

Insurance Company Average Annual Rates
Allstate $6,264
GEICO $3,300
Liberty Mutual $4,401
Nationwide $3,473
Progressive $5,102
State Farm $2,712
USAA $2,278

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Category Winners: Cheapest Car Insurance in Palm Coast, Florida

Find the cheapest car insurance companies in Palm Coast, FL for each category right here.

Best Annual Car Insurance Rates by Company in Palm Coast, 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 Palm Coast, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Palm Coast, Florida

Insurance Company Low Medium High
Allstate $4,847 $6,585 $7,361
GEICO $2,699 $3,416 $3,785
Liberty Mutual $4,019 $4,470 $4,716
Nationwide $2,762 $3,606 $4,049
Progressive $4,332 $5,213 $5,763
State Farm $2,308 $2,776 $3,051
USAA $1,982 $2,354 $2,497

What affects car insurance rates in Palm Coast, Florida?

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

Commute Time in Palm Coast

The more time you spend in your car the higher the risk of an accident. The average commute length in Palm Coast, FL is 26.6 minutes according to City-Data.

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Compare Car Insurance Quotes in Palm Coast, FL

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Average Monthly Car Insurance Rates by State