Best Auto Insurance Rates in Palm Coast, Florida

Compare Auto Insurance in Palm Coast

Friday, November 9 2018 By Jennifer Cramer

Palm Coast, Florida may seem like your typical Florida coast town, but it is far from typical. In the decade between 2000 and 2010, the population more than doubled, as locals surely know. This makes it one of the fastest growing cities in Florida, as well as one of the fastest growing cities in America. At this rate, Palm Coast residents deserve cheap car insurance.

Average Palm Coast Car Insurance Rates

How much is car insurance in Palm Coast, FL? The average cost of car insurance in Palm Coast is higher than both the state and national average. The average cost of auto insurance in Florida is $1,185.25 per year. The national average price is $889.01.

Prices may vary depending on your policy limits, coverage, driving record, and the number of insurance claims filed in your zip code.

Florida Average Annual Car Insurance Rates

Coverage	Rates
Liability	$857.64
Collision	$282.96
Comprehensive	$116.53
Total Cost Per Year	$1,185.25
Price Per Month	$98.77
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Florida's insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Florida car insurance rates increased from $1,090 in 2011 to $1,140 in 2015, a jump of $94, or 8.68 percent.

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Palm Coast, Florida and save up to 40% on your premium.

Last year, 1,772 people used QuoteWizard to compare car insurance quotes in Palm Coast, FL from multiple companies to get the cheapest rates.

Best Car Insurance Companies in Palm Coast, FL

This is our list of the most common car insurance companies reported by QuoteWizard users in Palm Coast, Florida last year. Of the 1,772 people who requested quotes, only 55 did not have insurance.

Top 10 Vehicles in Palm Coast

This is our list of the most common car makes and models owned by QuoteWizard users in Palm Coast, FL last year when they requested a quote.

Minimum Car Insurance Requirements in Palm Coast, FL

Palm Coast, Florida has a minimum coverage requirement known as the 10/20/10 rule. This means each policy must include at least:

• Individual Bodily Injury Liability (BIL): $10,000.
  This is the most your insurance company will pay for one person injured in a car accident. It applies only to people named on your policy.
• Total Bodily Injury Liability: $20,000.
  This is the most your insurance company will pay in total for everyone injured in a car accident. It applies to you and people not named on your policy.
• Property Damage Liability (PIL): $10,000.
  This is the most your insurance company will pay for property damage caused by a car crash. This includes all physical damage such as vehicle damage and damage to road fixtures. If you hit a telephone pole or road sign, you’re covered.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence your insurance rates.

Weather

Palm Coast, FL enjoys a tropical humid climate and endures dry winters. Residents can expect 225 sunny days and around 108 days with any measurable precipitation. Palm Coast receives an average of 52 inches of rain a year. It never snows in this area.

Road Conditions

TRIP reports that 63% of the Palm Coast area’s major roads have poor or mediocre pavement conditions. These road conditions costs drivers $387 a year in extra vehicle operating costs. These costs are a direct result of driving on rough roads that damage cars and waste gas because of delays due to congestion. They’re also a factor in car accidents.

Traffic Congestion

Traffic data provider Inrix reported that commuters in the Palm Coast-Daytona Beach-Port Orange area were delayed an average of 20 hours annually. These delays cost area commuters a total of $471 per commuter in congestion costs, on average.

Moving Violations

Moving violations such as failure to stop, drunk driving, speeding tickets, and accidents can add points to your driver's license. You could end up with a bad driving record and need to purchase expensive high-risk auto insurance.

Traffic Tickets

The Palm Coast Police Department website allows you to pay traffic citations and tells Palm Coast drivers how to plead not guilty and contest tickets. You can also sign up for driver improvement school.

Palm Coast DUIs

Getting a DUI can cause all kinds of problems, especially increasing your rates. After your rates go up, legal and financial woes can stick around for months. Brevard County Sheriff’s office provides DUI data and updates via its website.  At the end of the day, a DUI can typically cost between $10,000 and $15,000.

SR-22 or FR-44 DUI Insurance

A DUI conviction may require you to obtain an SR-22 or FR-44 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Palm Coast DUI insurance.

Traffic Fatalities

The Flager County Sheriff Department reported 11 fatal car crashes in 2014 that resulted in 12 fatalities. That same year, 1,377crashes caused 1,023 injuries. The peak month for car crashes is July.

Crime Rates

Palm Coast is a relatively safe city, so crime is less common than in Florida as a whole. For example, in Palm Coast, there are 16.85 property crimes committed for every 1,000 people. This is nearly half the rate for all of Florida, which is 34.15 per 1,000 residents. Your odds of being the victim of a property crime in Palm Coast are about 1 in 59, but in all of Florida, the odds are 1 in 29, which is much higher.

Save With Car Insurance Discounts

Discounts are one of the best ways for you to lower your insurance rates. Below are some of the many auto insurance discounts available to Palm Coast drivers. Find out which discounts you may qualify for with your current or multiple insurance companies for by getting a free quote.

1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 15% off your premium
2. Are you married or getting married soon? Some insurers offer a discount to married couples
3. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
4. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
5. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
6. Safe driver. If you have a perfect driving record, with no tickets or accidents, you may qualify for the safe driver or accident-free discount
7. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
8. Get a new car with advanced safety features like electronic stability control or anti-lock brakes. If the car has anti-theft devices or a car alarm system you can save even more
9. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
10. Shop around and compare Palm Coast car insurance rate quotes

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