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Cheapest Car Insurance Rates in Boca Raton, florida

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Driving Conditions in Boca Raton, florida

At White Chip Insurance we understand the importance of finding the best carriers for our clients.

141Rainy Days a Year
60 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Boca Raton, florida Car Insurance Rates by Provider

There are many car insurance providers in Boca Raton, Florida to choose from, so it is best to compare rates and coverage options to find the best policy for you. The top providers in the area include Geico, Progressive, Allstate, State Farm, and USAA. Each company offers a variety of discounts and coverage options, so it's important to compare the rates and coverage to find the best fit for your needs. White Chip Insurance has established relationships with all these carriers so we can ensure you will receive the cheapest car insurance rate.

ProviderAverage Annual Rate
State Farm$2,079

Boca Raton, florida Car Insurance Rates by Age

Car insurance rates in the city of Boca Raton are going to vary depending on the age of the driver. Typically, insurance companies will require younger drivers to pay higher rates than older drivers due to age qualifying as a risk factor when determining premiums. White Chip Insurance is committed to providing the cheapest car insurance rates to all drivers, no matter their age.

AgeAverage Annual Rate
16 - 19$7,910

Boca Raton, florida Car Insurance Rates by Gender and Marital Status

In Boca Raton, Florida, car insurance rates do not typically differ based on gender. This is because car insurance companies cannot use gender as a factor in their pricing models. Some states have laws that prohibit insurers from using gender as a factor when setting rates. In Boca Raton, Florida, female drivers pay slightly more than male drivers on average. Marital status can affect car insurance rates. Married couples generally pay less for car insurance than single drivers because they are seen as more responsible and less likely to take risks behind the wheel. In Boca Raton, Florida, divorced or widowed drivers can expect to pay slightly higher rates than single or married drivers.

Gender and Marital StatusAverage Annual Rate

Boca Raton, florida Car Insurance Rates by Driving Record

Car insurance rates are determined by many factors including the driver’s driving record. A driver with a clean driving record is likely to have lower car insurance premiums than someone with a poor driving record. Insurers may also offer discounts for drivers with clean records or reward them with lower rates. Conversely, drivers with poor driving records may be charged higher rates or be required to pay higher deductibles. Drivers who have had a DUI conviction or multiple traffic violations may be charged significantly higher rates. In Boca Raton, Florida, the average car insurance rate for a driver with a clean record is $1,305 per year, while the average rate for a driver with a poor record is $4,100 per year.

Driving RecordAverage Annual Rate
Reckless Driving$4,616
At-fault Accident (damages less than $1,000)$4,114
At-fault Accident (damages greater than $2,000)$4,114
Speeding Ticket (16-20mph over speed limit)$3,759

Boca Raton, florida Car Insurance Rates by Credit Score

Credit score is often taken into consideration when determining car insurance rates. Generally, the higher the credit score, the lower the car insurance rates. Since car insurance companies take into account an individual's financial history when determining rates, those with higher credit scores may be seen as more responsible and therefore may be able to access lower rates.

Low credit score? No worries - White Chip Insurance is dedicated to providing the cheapest car insurance rates in Boca Raton, Florida to drivers of all credit scores. Contact us today to learn more.

Credit ScoreAverage Annual Rate
300 - 579$5,663
580 - 669$4,575
670 - 739$3,797
740 - 799$3,134
740 - 799$2,503

Cheapest Area Codes in Boca Raton, florida

Car insurance rates can also vary depending on the zip code they are coming from. Boca Raton, Florida rates can be more expensive because of their close proximity to elite job opportunities, educational advantages, and access to amenities such as shopping, dining, and entertainment. Neighborhood safety and school quality are additional factors that can contribute to higher insurance premiums. The most expensive zip code in Boca Raton, Florida is 33496 with an average home value of $834,482. The least expensive zip code in Boca Raton, Florida is 33434 with an average home value of $261,868.

Most Expensive Boca Raton, florida ZIP Codes

33428, 33434, 33433, 33073, 33065

Least Expensive Boca Raton, florida ZIP Codes

33067, 33076, 33486, 33496, 33498

Local Amenities in Boca Raton, florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the Tampa, Florida insurance business for several years. Check out some of Tampa’s most notable local amenities below.

Boca Raton, florida Car Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Car Insurance.

What company has the cheapest car insurance in Florida?

Some of the most popular car insurance providers in Florida include State Farm, Allstate, GEICO, Progressive, and USAA. The cheapest rate varies on a driver-by-driver basis.

What is the average cost for car insurance in Florida?

According to the Insurance Information Institute, the average cost of car insurance in Florida is $2,309 per year. The most expensive car insurance is found in the city of Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698. The average cost of car insurance in Boca Raton is $2,956.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state has a high risk of natural disasters, such as hurricanes and floods, and a high rate of car theft. Additionally, Florida is a no-fault state, which means that drivers are personally responsible for their own medical expenses regardless of who is at fault in an accident. This leads to an increase in the cost of insurance in Florida.

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How much is car insurance near Boca Raton, FL?
OcalaMiamiFort Lauderdale
OrlandoSt. PetersburgHialeah
HollywoodCape CoralPembroke Pines
Port St. LucieMiami GardensGainesville
Coral Springs Lehigh AcresClearwater
Palm BayPompano BeachWest Palm Beach
SunriseSpring HillPlantation
AlafayaFort MyersLargo
BrandonPalm Coast

Find the Cheapest Car Insurance Rates