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Cheapest Car Insurance Rates in Palm Coast, florida

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Driving Conditions in Palm Coast, florida

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

110Rainy Days a Year
52 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Palm Coast, florida Car Insurance Rates by Provider

There are many car insurance providers in Palm Coast, Florida to choose from, so it is important 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. Contact a White Chip Insurance agent today to get a free quote for cheap car insurance in Palm Coast, Florida.

ProviderAverage Annual Rate
State Farm$2,075
GEICO$2,495
Progressive$2,821
Allstate$3,355

Palm Coast, florida Car Insurance Rates by Age

Depending on the age of the driver, car insurance rates in Palm Coast can vary. On average, insurance companies require younger drivers to pay higher rates than older drivers due to age being considered a risk factor when qualifying for insurance rates. White Chip Insurance is committed to providing cheap insurance rates to all drivers, despite their age. If you are looking for cheap car insurance in Palm Coast, contact a White Chip Insurance agent today.

AgeAverage Annual Rate
16 - 19$6,326
20s$3,502
30s$2,708
40s$2,689
50s$2,451
60s$2,507
70s$3,087

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

While most states have laws that prohibit insurance companies from using gender as a basis for determining insurance rates and most of Palm Coast will not tolerate gender-biased insurance rates, it is still a possibility. Throughout Florida, you will typically find that female drivers pay more for car insurance, married couples pay less than single drivers, and widowed or divorced drivers pay slightly higher rates than both. White Chip Insurance will ensure to find you the cheapest rates in Palm Coast no matter which category you fall into.

Gender and Marital StatusAverage Annual Rate
Married$2,618
Divorced$2,753
Widowed$2,732
Female$2,786
Male$2,715
Single$2,618

Palm Coast, 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 Palm Coast, Florida, the average car insurance rate for a driver with a clean record is $1,825 per year, while the average rate for a driver with a poor record is $4,302 per year.

Driving RecordAverage Annual Rate
DUI/DWI$4,106
Reckless Driving$4,302
At-fault Accident (damages less than $1,000)$3,759
At-fault Accident (damages greater than $2,000)$3,759
Speeding Ticket (16-20mph over speed limit)$3,328

Palm Coast, 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 Coast, Florida to drivers of all credit scores. Contact a White Chip Insurance agent today to compare rates without any obligation.

Credit ScoreAverage Annual Rate
300 - 579$5,428
580 - 669$3,517
670 - 739$2,753
740 - 799$2,432
740 - 799$2,204

Cheapest Area Codes in Palm Coast, florida

Palm Coast, Florida car insurance can be more expensive depending on where you are located and if it's in close proximity to affluent amenities. If the surrounding area has safe neighborhoods, top-tier education options, and/or elite job opportunities, the insurance rates can be affected. The most expensive zip code in Palm Coast, Florida is 32137 with an average home value of $700,000, and the least expensive zip code is 32110 with an average home value of $254,854.

Most Expensive Palm Coast, florida zip Code

32110, 32145, 32164

Least Expensive Palm Coast, florida zip Code

32146, 32127, 32137

Local Amenities in Palm Coast, 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 Coast, 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, which is almost $1,000 more than the national average. 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 Coast is $2,753. It is important to contact a White Chip Insurance agent to compare quotes from multiple insurers to ensure you get the cheapest car insurance rate possible.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state runs a high risk of natural disasters, like hurricanes and floods, and also has a high rate of car theft. Also, 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. All of these factors result in an increase to all types of insurance in Florida.

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Find the Cheapest Car Insurance Rates