Palm City, FL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Palm City, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Factors that can influence the cost of car insurance in Palm City, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

---

Palm City, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Palm City, FL with that of other cities in and around Palm City.

	Palm City	Rio	North River Shores	Ocean Breeze Park	Sewall's Point	Port Salerno
Average Insurance Rates	$2,322	$2,180	$2,175	$1,982	$2,784	$2,185

---

Palm City, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Palm City, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Palm City	$1,817	$1,535
North River Shores	$1,128	$953
Rio	$1,341	$1,133
Stuart	$963	$813
Jensen Beach	$2,246	$1,897
Sewall's Point	$1,145	$967
Ocean Breeze Park	$1,318	$1,114
Port Salerno	$1,852	$1,564

---

Palm City, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Palm City, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$7,534
20 Years	$2,983
30 Years	$2,298
40 Years	$2,211
50 Years	$2,047
60 Years	$2,076
70 Years	$2,416

---

Palm City, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Palm City, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$4,040	$604
3 Vehicles	$6,060	$906
4 Vehicles	$8,081	$1,207

---

Palm City, FL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Palm City, FL.

Location	Average Insurance Cost	Post DUI Insurance Rate
Palm City	$2,322	$3,634
North River Shores	$2,175	$3,404
Rio	$2,180	$3,412
Stuart	$1,378	$2,157
Jensen Beach	$2,181	$3,413
Sewall's Point	$2,784	$4,357
Ocean Breeze Park	$1,982	$3,102
Port Salerno	$2,185	$3,420

---

Palm City, FL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$1,992
Excellent (740-799)	$2,274
Good (670-739)	$2,420
Average (580-669)	$3,157
Poor (300-579)	$3,787

---

Palm City, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$102	$2,424
Driver's Failure In Showing Documents	+$225	$2,547
Driving With An Expired Registration	+$239	$2,561
Driving At A Considerably Slow Pace	+$504	$2,826
Using A Cellphone While Driving	+$532	$2,854
Running A Red Light	+$541	$2,863
Speeding	+$569	$2,891
Driving A Vehicle Without The Required Permission	+$722	$3,044
Driving With An Expired/Suspended License	+$1,565	$3,887

Palm City, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$2,229
Active Disabling Device	$2,229
Tracking Device	$2,183
Passive Disabling Device	$2,159

---

Latest Auto Insurance Reviews in Palm City, FL | Back to Top