The best car insurance in Palm Coast, FL

Kacie Goff headshot

By

Kacie Goff

Kacie Goff

Insurance Writer

Kacie Goff is an insurance writer for Policygenius. Over the last five years, she’s covered both personal and commercial coverage, with specializations in auto, home, renters, and life insurance. She runs her full-service content agency, Jot Content, from Ventura, CA.

Published October 27, 2021

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and how we make money.

While the average Florida driver pays $2,914 for a car insurance policy, Palm Coast residents average at $2,780. A handful of insurance companies do offer lower rates, though individual rates vary based on factors like your ZIP code, your age, what car you drive, and your credit score.

Ready to shop car insurance?

Start calculator

Policygenius can help you compare car insurance rates. Just plug your ZIP code into our calculator and we'll help you find the right policy for you.

Key Takeaways

  • GEICO and State Farm offer the cheapest coverage, on average, to Palm Coast residents

  • State Farm and GEICO also offer the lowest average rates for Palm Coast drivers with bad credit

  • Per state law, drivers in Florida need at least $10,000 each of property damage liability and personal injury protection (PIP) coverage

Cheapest car insurance companies in Palm Coast, FL

You’re going to see quite a range of car insurance prices in Palm Coast. The most expensive quote we received costs more than twice the cheapest. That’s because different insurance companies consider different factors, like the car you drive and your history behind the wheel, and weigh those factors differently. To get a rough idea of policy costs from leading insurers in Palm Coast, check out this table.

Company

Average cost

JD Power Rating

GEICO

$1,292

871

State Farm

$1,357

881

Travelers

$1,722

861

Nationwide

$2,003

876

UAIC

$2,789

--

Cheapest car insurance rates by ZIP code in Palm Coast, FL

When quoting a policy, insurance companies don’t just look at factors specific to you. They also look at more general ones, like the ZIP code in which you live. If your ZIP code seems riskier because of something like a higher crime rate or greater frequency of flooding after a hurricane, you’ll pay more for your policy than someone in a ZIP code that the insurer deems lower-risk. That’s very true in Palm Coast, where a seemingly minor move to a new ZIP could save — or cost — you hundreds.

ZIP code

Average cost

32137

$2,493

32143

$3,346

32164

$2,499

Choosing the right car insurance company in Palm Coast, FL

When you’re shopping for auto insurance, cost plays a major role. But that shouldn’t be the only thing you check. It can also be helpful to review the company’s customer satisfaction ratings (check the JD Power scores we listed next to the insurers above; higher is better). Also, look to see if they offer services you’ll want, like a user-friendly app or an online claims portal. 

Ultimately, there’s a lot to consider. And that’s where we come in. Policygenius can do a lot of the frontend work of gathering quotes for you, freeing you up to take your time comparing top contenders.

Car insurance rates for drivers with driving violations in Palm Coast, FL

You probably already know that a serious driving infraction, like a DUI, will majorly increase your auto insurance costs. But more minor offenses like causing a fender-bender or driving with expired registration could mean paying more. That’s because insurance companies review your motor vehicle record (MVR) before issuing coverage to you. The more red flags they see on there, the more they charge for coverage. 

All that said, different insurers take different violations more seriously, so compare the rates below to figure out where you might find the most affordable policy.

Violation

GEICO

State Farm

Travelers

Nationwide

UAIC

At-fault Accident

$1,860

$1,584

$2,288

$2,826

$3,667

DUI

$2,390

$1,481

$2,549

$4,254

$4,781

Driving with a suspended license

$1,359

$1,481

$2,549

$4,254

$3,667

Driving with an open container

$1,359

$1,481

$2,174

$4,254

$2,859

Driving with expired registration

$1,359

$1,481

$2,174

$2,342

$2,859

Driving without Lights

$1,359

$1,481

$2,174

$2,013

$2,859

Failure to show documents

$1,359

$1,481

$2,174

$2,342

$2,859

Failure to stop at a red light

$1,359

$1,481

$2,174

$2,342

$2,859

Cheapest car insurance for drivers with bad credit in Palm Coast, FL

Florida is one of the states in which insurance companies can factor your credit score into your car insurance quote. The thought here is that good credit means you’re more likely to do everything from pay your premiums on time to drive safely. Bad credit means the opposite. 

If you’ve got a less-than-ideal credit score, we’ve rounded up the most affordable insurance company options for you.

Company

Rates for drivers with bad credit

State Farm

$2,528

GEICO

$2,529

UAIC

$2,859

Nationwide

$3,041

AIG

$3,273

Ready to shop car insurance?

Start calculator

Buying car insurance in Palm Coast, FL

Like every state except New Hampshire, Florida requires drivers to carry at least a little bit of insurance before they get behind the wheel. Unlike a lot of other states, though, Florida is a no-fault state. That means that no matter who causes an accident, each involved party turns to their own coverage for their medical costs.

As a no-fault state, Florida law requires drivers to have two distinct types of coverage:

  • Personal injury protection (PIP): This is the coverage that steps in if you and your passengers get hurt in an accident, no matter who’s at fault. You need at least $10,000 of this coverage to comply with state requirements.

  • Property damage liability: This coverage kicks in if you cause damage to someone else’s vehicle or property (like your neighbor’s fence). It can save you from paying out of pocket — or facing a lawsuit — for the necessary repairs. You also need $10,000 of this coverage. 

While those are the only two state-mandated types of coverage, you might want to look into buying other protections with your policy. Comprehensive coverage can pay out if your car gets stolen, for example. And collision coverage steps in to fix your car after you cause an accident. Review your coverage options to make sure you get all the protections you want from your policy.

How to get cheap car insurance in Palm Coast, FL

Palm Coast car insurance might be cheaper than other cities in Florida, but it’s still pretty pricey. In fact, as a whole, Florida tops the list in terms of car insurance costs. 

To help yourself bring your premiums down, you can:

  • Drive safely: It’s simple, but an MVR free of tickets and accidents makes your car insurance a whole lot cheaper.

  • Ask about discounts: Different insurers offer car insurance discounts, so ask which might apply to you, like good driver discounts, anti-theft features discounts, loyalty discounts, and autopay discounts.

  • Bundle up: If you buy multiple types of insurance from the same company — like your car insurance and your home or renters insurance — you’ll generally see savings on each policy.

Frequently asked questions

How do I find cheap car insurance in Palm Coast?

The best way to get affordable coverage is to get quotes from at least a few insurance companies and to ask each about any discounts for which you qualify. That way, you can rest easy knowing you truly got the best price.

What’s the best car insurance company in Palm Coast?

It depends on what you want from a car insurance company, but both GEICO and State Farm offer relatively affordable coverage and get high JD Power scores.

Why is car insurance so expensive in Florida?

The high premiums stem from quite a few factors, like the increased incidence of major storms and Florida’s high number of uninsured drivers.

Do I really need car insurance?

Yes. Florida state law requires all drivers to at least carry personal injury protection (PIP) and property damage liability coverage.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.