The best car insurance in Palm Coast, FL

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Kacie GoffKacie GoffInsurance WriterKacie 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. &Andrew HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.
Expert reviewedExpert reviewedThis article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.Learn more about oureditorial review process.

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Ian Bloom, CFP®, RLP®Ian Bloom, CFP®, RLP®Certified Financial PlannerIan Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

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While the average Florida driver pays $2,794 per year for a car insurance policy, the average rate in Palm Coast is $2,690. 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.

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You can find cheaper rates by comparing quotes from different companies as you shop. Policygenius can help you do this. Just plug your ZIP code into our calculator and we'll help you find the right policy for you.

Key takeaways

  • The average cost of car insurance from State Farm in Palm Coast is $1,347 per year, which makes it the company with the lowest average rates in the city

  • UAIC and State Farm have the cheapest car insurance 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

State Farm

$1,347

882

Travelers

$1,514

854

GEICO

$1,647

874

Nationwide

$2,007

868

UAIC

$2,544

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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

$2,382

32164

$2,387

32143

$3,301

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

State Farm

Travelers

GEICO

Nationwide

UAIC

At-fault accident

$1,563

$2,030

$2,137

$2,836

$3,327

DUI

$1,461

$2,265

$2,657

$4,272

$4,355

Suspended license

$1,461

$2,265

$1,640

$4,272

$3,327

Open container

$1,461

$1,924

$1,640

$4,272

$2,593

Expired registration

$1,461

$1,924

$1,640

$2,348

$2,593

Driving without lights

$1,461

$1,924

$1,640

$2,018

$2,593

Running a red light

$1,461

$1,924

$1,640

$2,348

$2,593

Following too closely

$1,461

$1,924

$1,640

$2,348

$2,593

Hit and run

$1,461

$2,265

$2,657

$4,272

$3,843

Not-at-fault accident

$1,368

$1,564

$1,640

$2,018

$2,593

Passing a school bus

$1,461

$1,575

$1,640

$2,348

$2,593

Reckless driving

$1,461

$2,265

$2,546

$4,272

$3,327

Speeding

$1,461

$2,265

$2,546

$2,651

$3,255

Collapse table

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

UAIC

$2,593

State Farm

$2,824

GEICO

$2,874

Nationwide

$3,048

Travelers

$3,124

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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

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

It depends on what you want from a car insurance company, but State Farm has the cheapest rates in Palm Coast and receives high marks for claims satisfaction from its customers.

How much is car insurance per month in Palm Coast, Florida?

The average cost of car insurance in Palm Coast is $224 per month, or $2,690 per year.

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.

Why is car insurance so expensive in Palm Coast, Florida?

Car insurance is expensive in Palm Coast and in the rest of Florida for a few reasons. There are a high number of uninsured drivers on the state's roads. Additionally, claims and lawsuits due to claim settlements may be more common in Florida than in other states.

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: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • 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.

Authors

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.

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

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