Palm Coast, FL Auto Insurance (2024)
The average Palm Coast, FL auto insurance rates are $328 per month. The minimum auto insurance in Palm Coast is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Palm Coast, Florida, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Palm Coast, Florida is 10/20/10
- The most expensive auto insurance company in Palm Coast for teen drivers is Allstate
- The average commute length in Palm Coast is 26.6 minutes
Palm Coast, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Palm Coast can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Palm Coast, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Palm Coast to other Florida cities, including Fort Lauderdale auto insurance rates, St. Petersburg auto insurance rates, and Cape Coral auto insurance rates to see how Palm Coast, Florida auto insurance rates stack up.
Before you buy Palm Coast, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Palm Coast, Florida auto insurance quotes.
Minimum Auto Insurance in Palm Coast, Florida
Palm Coast, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance 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 |
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Cheap Palm Coast, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Palm Coast, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 |
Cheap Palm Coast, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Palm Coast, Florida is a challenge. Take a look at the annual teen auto insurance rates 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 |
Cheap Palm Coast, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Palm Coast, Florida? Take a look at the annual average rates for older drivers.
| 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 |
Cheap Palm Coast, Florida Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Palm Coast, Florida compared to the annual auto insurance rates with a clean record in Palm Coast, Florida.
| 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 |
Cheap Palm Coast, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Palm Coast, Florida is not easy. Compare the annual rates for DUI auto insurance in Palm Coast, Florida to find the best deal.
| Insurance Company | Annual Auto 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 |
Cheap Palm Coast, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Palm Coast, Florida annual auto insurance rates by credit history compare.
| 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 |
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Cheap Palm Coast, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Palm Coast, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Palm Coast, Florida to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 32137 | $3,030 |
| 32143 | $3,061 |
| 32164 | $3,030 |
Cheap Palm Coast, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Palm Coast, Florida auto insurance. Find the cheapest annual Palm Coast, Florida auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap Palm Coast, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Palm Coast, Florida? Check out the comparison of annual Palm Coast, Florida auto insurance rates by coverage level.
| 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 |
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Best By Category: Cheapest Auto Insurance in Palm Coast, Florida
Compare the cheapest auto insurance companies in Palm Coast, Florida in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Palm Coast, Florida Auto Insurance Companies
What auto insurance companies in Palm Coast, Florida are the cheapest? Compare the top Palm Coast, Florida auto insurance companies to find the best annual rates.
| 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 |
What affects auto insurance rates in Palm Coast, Florida?
There are a lot of reasons why auto insurance rates in Palm Coast, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Palm Coast, Florida. Many local factors may affect your Palm Coast auto insurance rates.
Palm Coast Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Palm Coast, Florida commute length is 26.6 minutes according to City-Data.
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Compare Palm Coast, Florida Auto Insurance Quotes
Before you buy Palm Coast, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Palm Coast, Florida auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Palm Coast, Florida?
Yes, auto insurance is mandatory in Palm Coast, Florida. All drivers in the state are required to carry a minimum amount of insurance coverage to legally operate a vehicle.
What are the minimum auto insurance requirements in Palm Coast, Florida?
The minimum auto insurance requirements in Palm Coast, Florida are as follows:
- $10,000 personal injury protection (PIP) coverage
- $10,000 property damage liability (PDL) coverage
Are there any additional coverage options that I should consider for my auto insurance policy in Palm Coast?
While the minimum requirements provide basic coverage, there are additional coverage options you may want to consider for your auto insurance policy in Palm Coast, Florida. These include:
- Bodily injury liability (BIL) coverage: Provides coverage for injuries caused to others in an accident where you’re at fault.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who has no insurance or insufficient coverage.
- Comprehensive coverage: Covers damage to your vehicle caused by incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
- Collision coverage: Pays for damage to your vehicle caused by a collision with another vehicle or object.
How are auto insurance rates determined in Palm Coast, Florida?
Auto insurance rates in Palm Coast, Florida are determined by various factors, including:
- Your driving record: A history of accidents or traffic violations can increase your rates.
- Your age and gender: Younger drivers, particularly males, tend to have higher rates.
- Your vehicle: The make, model, and year of your vehicle can impact your rates.
- Your location: Rates can vary based on where you live in Palm Coast.
- Your coverage options: The type and amount of coverage you choose will affect your rates.
Can my auto insurance rates increase if I file a claim?
It is possible for your auto insurance rates to increase if you file a claim, especially if you’re found at fault for an accident. However, the specific impact on your rates can vary depending on your insurance provider and the circumstances of the claim.
Are there any discounts available for auto insurance in Palm Coast, Florida?
Yes, there are various discounts available that can help you save on auto insurance in Palm Coast, Florida. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple policies with the same insurer), good student discounts, and discounts for completing defensive driving courses. It’s best to check with your insurance provider to see which discounts you may qualify for.
What happens if I drive without auto insurance in Palm Coast, Florida?
Driving without auto insurance in Palm Coast, Florida is illegal and can result in penalties. If caught driving without insurance, you may face fines, license suspension, and potentially have your vehicle impounded. Additionally, if you’re involved in an accident and are uninsured, you may be personally responsible for all damages and injuries.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.