Average car insurance cost in Palm City

The average car insurance rate in Palm City for full coverage is $2,706 per year or $226 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Palm City is $960 per year. The state minimum liability limits are 10/20/10'.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$1,353
Average annual premium$2,706
State minimum premium$960

Cheapest car insurance companies in Palm City

State Farm offers the cheapest rates on average at $1,858 per year. Nationwide is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Palm City.

CompanyAverage 6 month rateAverage annual rate
State Farm$929$1,858
Nationwide$1,015$2,030
Travelers$1,138$2,276
GEICO$1,140$2,280
UAIC$1,246$2,491
National General$1,450$2,900
Farmers$1,568$3,135
Progressive$1,636$3,272
Mercury Insurance$1,756$3,511
Allstate$1,855$3,710

Cheapest car insurance cost in Palm City by age group

Car insurance rates in Palm City vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Palm City by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: State Farm
  • Cheapest for young adults: Nationwide
  • Cheapest for adults: State Farm
  • Cheapest for seniors: State Farm

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. State Farm offers the cheapest car insurance for teens at $4,757 per year.

Nationwide offers the most affordable auto insurance for young adults at $2,743 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. State Farm provides the lowest car insurance rates at $1,860 per year for adult drivers in Palm City.

State Farm offers the least expensive car insurance for senior drivers in Palm City, at $1,815 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
State Farm$4,757$2,910$1,860$1,815
Nationwide$6,214$2,743$1,990$2,054
Travelers$7,629$3,492$2,295$2,295
GEICO$6,123$3,801$2,320$2,079
UAIC$6,044$3,487$2,516$2,422
National General$6,299$4,144$2,984$2,974
Farmers$14,872$5,354$3,164$3,239
Progressive$8,280$4,662$3,184$3,244
Allstate$8,956$5,743$3,654$3,708
Mercury InsuranceNA$5,643$3,714$3,562

Cheapest car insurance companies in Palm City by driver profile

Car insurance rates in Palm City vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Palm City by driver profile.

Cheapest for a driver with poor credit: Nationwide

Nationwide is the most affordable car insurance for drivers with poor credit. On average, drivers in Palm City pay about $3,133 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Palm City.

CompanyAverage 6 month premiumAverage annual premium
Nationwide$1,567$3,133
GEICO$2,065$4,129
Travelers$2,249$4,498
Progressive$2,640$5,279
Mercury Insurance$3,027$6,054
Allstate$3,378$6,756
State Farm$3,870$7,739
Farmers$5,201$10,401

Cheapest auto insurance after an at-fault accident: State Farm

In Palm City, State Farm offers the cheapest car insurance for drivers with at-fault accident at $2,124 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Palm City.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,062$2,124
Nationwide$1,413$2,826
Travelers$1,567$3,134
GEICO$1,605$3,209
National General$1,851$3,701
Progressive$2,345$4,690
Farmers$2,463$4,926
Mercury Insurance$3,008$6,016
Allstate$3,226$6,452

Cheapest auto insurance after a DUI: State Farm

State Farm offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $1,986 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Palm City.

CompanyAverage 6 month premiumAverage annual premium
State Farm$993$1,986
National General$1,520$3,039
Travelers$1,733$3,466
Progressive$1,805$3,610
GEICO$1,984$3,967
Nationwide$2,112$4,223
Allstate$2,407$4,814
Mercury Insurance$2,618$5,236
Farmers$4,094$8,188

Cheapest for drivers with a speeding ticket: State Farm

State Farm offers the cheapest car insurance at $1,986 in Palm City for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
State Farm$993$1,986
Nationwide$1,537$3,074
Travelers$1,646$3,292
National General$1,697$3,393
GEICO$1,925$3,850
Progressive$2,077$4,154
Mercury Insurance$2,289$4,577
Farmers$2,662$5,323

Car insurance discounts for Palm City drivers

The biggest car insurance discount available in Palm City is for the years insured category at 36.71%, offered by Travelers.

Car insurance is essential for drivers in Palm City, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Palm City drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$4,8445.26%$255
Air BagsFarmers$3,1671.74%$55
Air BagsGEICO$2,4024.75%$114
Air BagsNational General Insurance$3,1100.19%$6
Air BagsNationwide$2,1833.25%$71
Air BagsProgressive$3,0930.10%$3
Air BagsTravelers$2,2710.35%$8
Air BagsUnited Automobile Insurance$3,2333.34%$108
Anti-Theft DeviceFarmers$3,1670.06%$2
Anti-Theft DeviceGEICO$2,4020.87%$21
Anti-Theft DeviceNational General Insurance$3,1100.35%$11
Anti-Theft DeviceNationwide$2,1830.44%$10
Anti-Theft DeviceProgressive$3,0930.03%$1
Anti-Theft DeviceTravelers$2,2710.09%$2
Anti-Theft DeviceUnited Automobile Insurance$3,2330.70%$23
Days Advanced PurchaseAllstate$4,84410.16%$492
Days Advanced PurchaseFarmers$3,1670.82%$26
Days Advanced PurchaseNational General Insurance$3,1106.11%$190
Days Advanced PurchaseProgressive$3,0932.53%$78
Days Advanced PurchaseTravelers$2,2716.34%$144
EducationProgressive$3,0934.65%$144
Electronic Funds TransferAllstate$4,8443.90%$189
Electronic Funds TransferNational General Insurance$3,1101.74%$54
Electronic Funds TransferTravelers$2,2711.89%$43
Electronic Funds TransferUnited Automobile Insurance$3,2334.30%$139
Electronic SignatureProgressive$3,0939.89%$306
HomeownerAllstate$4,84410.92%$529
HomeownerFarmers$3,1671.74%$55
HomeownerNational General Insurance$3,1106.14%$191
HomeownerNationwide$2,1833.30%$72
HomeownerProgressive$3,0930.97%$30
HomeownerState Farm$1,8132.15%$39
HomeownerUnited Automobile Insurance$3,2337.36%$238
Lower Annual MileageAllstate$4,8443.84%$186
Lower Annual MileageGEICO$2,4026.36%$153
Lower Annual MileageState Farm$1,81311.47%$208
Loyalty - Years Renewal With CompanyNationwide$2,1832.66%$58
Loyalty - Years Renewal With CompanyState Farm$1,81313.80%$250
Loyalty - Years Renewal With CompanyUnited Automobile Insurance$3,2334.27%$138
Marital StatusFarmers$3,1670.38%$12
Marital StatusNational General Insurance$3,1103.50%$109
Marital StatusNationwide$2,1833.85%$84
Marital StatusProgressive$3,09311.22%$347
Marital StatusUnited Automobile Insurance$3,2337.36%$238
Multi PolicyAllstate$4,84411.88%$576
Multi PolicyFarmers$3,1679.64%$305
Multi PolicyGEICO$2,4025.75%$138
Multi PolicyNational General Insurance$3,1104.81%$150
Multi PolicyNationwide$2,1835.59%$122
Multi PolicyProgressive$3,0938.15%$252
Multi PolicyState Farm$1,8137.86%$143
Multi PolicyTravelers$2,2716.85%$156
Multi PolicyUnited Automobile Insurance$3,2337.36%$238
Paperless/Electornic DocumentsAllstate$4,8443.90%$189
Paperless/Electornic DocumentsFarmers$3,1675.87%$186
Paperless/Electornic DocumentsNational General Insurance$3,1100.87%$27
Paperless/Electornic DocumentsProgressive$3,0930.78%$24
Payment TypeAllstate$4,84412.06%$584
Payment TypeFarmers$3,1675.87%$186
Payment TypeNational General Insurance$3,11017.40%$541
Payment TypeTravelers$2,2716.87%$156
Payment TypeUnited Automobile Insurance$3,2338.63%$279
Primary UseAllstate$4,8445.57%$270
Primary UseNationwide$2,1836.64%$145
Primary UseState Farm$1,81310.59%$192
Primary UseTravelers$2,2716.52%$148
ProfessionProgressive$3,09316.26%$503
Purchase StatusFarmers$3,1675.49%$174
Safety DevicesAllstate$4,8443.61%$175
Safety DevicesFarmers$3,1673.16%$100
Safety DevicesGEICO$2,4022.83%$68
Safety DevicesNational General Insurance$3,1104.18%$130
Safety DevicesNationwide$2,1833.07%$67
Safety DevicesProgressive$3,0932.24%$69
Safety DevicesState Farm$1,8133.14%$57
Safety DevicesTravelers$2,2710.62%$14
Safety DevicesUnited Automobile Insurance$3,2333.84%$124
TelematicsAllstate$4,8447.80%$378
TelematicsProgressive$3,0939.89%$306
TelematicsState Farm$1,81311.36%$206
Years InsuredAllstate$8,92035.76%$3,189
Years InsuredNational General Insurance$3,4198.28%$283
Years InsuredProgressive$4,08623.40%$956
Years InsuredTravelers$4,38336.71%$1,609
Years InsuredUnited Automobile Insurance$3,5057.76%$272
Years LicensedGEICO$3,25819.67%$641
Years LicensedNationwide$3,24715.00%$487
Years LicensedProgressive$5,62425.15%$1,414
Years LicensedState Farm$1,9797.34%$145
Years LicensedTravelers$7,34336.19%$2,657
Years LicensedUnited Automobile Insurance$4,53121.69%$983

How to get cheap car insurance in Palm City in 2025

Find affordable car insurance in Palm City by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Palm City.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.