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Cheapest Car Insurance Rates in Palm Bay, florida

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Driving Conditions in Palm Bay, florida

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

122Rainy Days a Year
54 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Palm Bay, florida Car Insurance Rates by Provider

White Chip Insurance has relationships with a variety of insurance providers, such as Geico, Progressive, State Farm, Allstate, and USAA. It is important that you, the car owner, compare rates and coverage options to ensure you are receiving the best policy possible. White Chip will utilize these relationships to make sure you find the best policies available in Palm Bay.

ProviderAverage Annual Rate
State Farm$1,608

Palm Bay, florida Car Insurance Rates by Age

Car insurance rates in the city of Palm Bay 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$5,898

Palm Bay, florida Car Insurance Rates by Gender and Marital Status

Most states have laws prohibiting insurance companies from using gender as a basis for determining rates. Most likely, you will not find gender bias in car insurance quotes in Palm Bay, FL. Although, you will typically find higher insurance rates for female drivers in Palm Bay. Married couples often have lower car insurance rates than single drivers because it is assumed that married drivers will take fewer risks behind the wheel than single drivers. In Palm Bay, FL, divorced or widowed drivers find an increase in their insurance rates than single or married drivers. Our team is dedicated ot providing our clients with affordable car insurance in Palm Bay, Florida.

Gender and Marital StatusAverage Annual Rate

Palm Bay, florida Car Insurance Rates by Driving Record

Driving records hold weight in the process of determining insurance rates for most insurance companies. While a faulty driving record can cause prices to spike, drivers with a clean driving record are more likely to receive discounts on their insurance. On average, Palm Bay, Florida offers a rate of $1,250 for clean driving records, but the rate for faulty driving records runs around $3,150.

Driving RecordAverage Annual Rate
Reckless Driving$3,151
At-fault Accident (damages less than $1,000)$2,872
At-fault Accident (damages greater than $2,000)$2,872
Speeding Ticket (16-20mph over speed limit)$2,613

Palm Bay, 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 Palm Bay, Florida to drivers of all credit scores. Contact us today to learn more.

Credit ScoreAverage Annual Rate
300 - 579$4,072
580 - 669$2,544
670 - 739$2,084
740 - 799$1,893
740 - 799$1,682

Cheapest Area Codes in Palm Bay, florida

Palm Bay, Florida car insurance can be more expensive depending on its location and surroundings. If it is in close proximity to elite education and top-tier job opportunities, as well as safe neighborhoods and affluent amenities, then you can expect the rates to be more pricey. The most expensive zip code in Palm Bay, Florida is 32948 with an average home value of $672,000 and the least expensive zip code is 32905 with an average home value of $255,000.

Most Expensive Palm Bay, florida ZIP Codes

32905, 32907, 32908, 32909, 32910

Least Expensive Palm Bay, florida ZIP Codes

32948, 32949, 32950, 32951, 32976

Local Amenities in Palm Bay, 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.

Palm Bay, 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 Palm Bay is $2,084.

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 Palm Bay, FL?
Fort LauderdaleSt. PetersburgHialeah
HollywoodCape CoralPembroke Pines
Port St. LucieMiami GardensGainesville
Coral Springs Lehigh AcresClearwater
Pompano BeachWest Palm BeachMiramar
LakelandDavieBoca Raton
SunriseSpring HillPlantation
AlafayaFort MyersLargo
BrandonPalm Coast

Find the Cheapest Car Insurance Rates