While drivers have numerous car insurance options to choose from in West Palm Beach, not all of them are affordable. Based on Bankrate’s analysis of average rate data, Geico offers some of the cheapest car insurance policies on average in West Palm Beach for drivers needing full coverage or minimum coverage insurance policies. Other car insurance companies offering cheaper than average prices on car insurance in this Florida city include State Farm, Allstate and Progressive, according to our research.

Best cheap car insurance companies in West Palm Beach

According to Bankrate’s analysis of average rate data from Quadrant Information Services, some of the cheapest car insurance companies in West Palm Beach include Geico, State Farm and Allstate. But while affordability matters for many drivers in Florida and across the nation, other factors may also play a role when shopping for the best car insurance company.

To help drivers find the best car insurance in Florida, and for West Palm Beach in particular, Bankrate assigned each insurance company a Bankrate Score — using a 5.0 scale — by analyzing factors like customer service, coverage options and availability, as well as pricing and other factors. Bankrate Scores also take into account the scores or rankings that insurance companies receive from J.D. Power, AM Best, and other third-party rating agencies.

Based on our thorough analysis, these are the best cheap car insurance companies in West Palm Beach.

Geico

Geico’s average rate is the cheapest of the car insurance providers on our list in West Palm Beach. The average annual premium for full coverage from Geico is $2,339 per year, while the average cost of minimum car insurance coverage is $721 per year. In addition to low average rates, Geico is known to offer affordable average rates for high-risk drivers, and both their online and mobile app services are easy to navigate for policy changes, bill paying and claim submissions. While Geico may have fewer coverage options than many of its competitors, the discount selection is robust, with potential discounts for young drivers, student drivers, or driver training. Both active duty and retired military policyholders may be eligible for up to 15 percent off their car insurance, and policyholders can download the DriveEasy telematics app to potentially save money by displaying safe driving behaviors.

Learn more: Geico Insurance review

State Farm

State Farm offers the second-cheapest full and minimum coverage rates on average of the providers on our list with, an average annual premium of $2,706 per year for full coverage car insurance, and an average annual cost of $1,076 for minimum coverage car insurance. The company is known for its robust mobile tools, offering easy policy management and a simple process when it comes time to file a claim. It also provides add-on coverage options, like car rental, travel expenses and emergency roadside service coverage. With programs like Drive Safe & Save and Steer Clear®, State Farm rewards safe drivers and also supports its student and young drivers with multiple potential discounts.

Learn more: State Farm Insurance review

Allstate

Allstate offers cheap average car insurance rates for drivers in West Palm Beach, and it has the highest J.D. Power customer satisfaction rating out of all the companies on our list. With Allstate, the average cost of a full coverage car insurance policy is $3,071 annually, and the average cost of a minimum coverage car insurance policy is $1,114 per year. In addition to having local agents in every state available to help, Allstate provides policyholders with several optional coverage selections and specialty policies like sound system insurance, Mexico tourist auto insurance, and personal umbrella policies. Discount opportunities are plentiful too, with multiple potential payment discounts that include early signing, responsible payer and EZ pay plan discounts.

Learn more: Allstate Insurance review

Progressive

When you are looking for specific or unique coverage, Progressive could be your best bet. While Progressive has the highest average annual premium on the list for both full coverage and minimum coverage insurance at $4,178 and $1,580 per year respectively, the car insurance provider offers West Palm Beach drivers options like coverage for pet injuries, custom parts and equipment value. If you are a driver for companies like Uber or Lyft, Progressive also offers rideshare coverage. In addition, drivers can potentially save on their premiums with multiple discount programs, such as the Name Your Price® Tool and its Snapshot telematics program.

Learn more: Progressive Insurance review

How to get and keep the cheapest car insurance in West Palm Beach

Finding the cheapest car insurance companies in West Palm Beach is one thing, but keeping the cheapest rates is another. Keep the following in mind as you are searching for the most affordable rates — and trying to keep those rates in check:

• Comparison is key. Drivers may not realize how much premiums can vary from one insurance provider to another. By shopping around and comparing multiple quotes, you more easily see which one offers the lowest rates for your needs, or has the best coverage options. Consider exploring car insurance quotes online from multiple providers every so often to ensure you are getting the best deal for your situation.
• Safety matters. Maintaining a clean driving record and remaining accident-free not only keeps you safer on the road, it helps save money on your premiums. You can save by earning more favorable rates with your insurance provider, plus qualifying for additional discounts, such as claims-free and safe driving discounts.