Car Insurance in Boca Raton
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Car Insurance in Boca Raton, FL
Known for its sandy white beaches and stunning nature preserves, Boca Raton is located just 45 miles north of Miami. However, its relatively small size of just 100,000 residents makes it perfect for families or retirees seeking to be close to the action but far enough away to enjoy peace and tranquility.
Driving in Boca Raton isn't easy despite the city's small size. Residents note that the high level of tourism and lack of public transit options make traffic congestion a problem nearly any time of day. State driving laws apply, so residents can make a right turn on red and U-turns at many intersections.
Florida law requires Boca Raton residents to carry minimum insurance coverage of $10,000 in property damage liability and $10,000 in personal injury protection. However, you may need additional coverage if you have an auto loan or lease.
You can minimize your car insurance cost in Boca Raton by comparing quotes from several insurance companies. EverQuote offers a streamlined service to make the process easier. To get started, set up a profile.
How much is car insurance in Boca Raton, FL?
The overall expense of car insurance in Boca Raton largely depends on the coverage options you're interested in. To provide a general idea of what you might pay, below are the average costs for the three most popular types of coverage in the city:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Boca Raton?
Evaluating and comparing the insurance costs for each possible car make, model, and year within the city can be a complex task. Nevertheless, if you're interested in identifying which recent models generally offer more cost-effective insurance, take a look at these top 10 most budget-friendly car makes and models in Boca Raton:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $242 |
| 2 | Honda Cr-V | $249 |
| 3 | Honda Odyssey | $259 |
| 4 | Ford F-150 | $262 |
| 5 | Toyota Rav4 | $267 |
| 6 | Toyota Corolla | $269 |
| 7 | Toyota Tacoma | $271 |
| 8 | Kia Sol | $275 |
| 9 | Chevrolet Silverado | $276 |
| 10 | Toyota Tundra | $278 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Your driving history plays a critical role in determining your car insurance premiums. Various driving incidents, including minor collisions, major accidents, speeding tickets, DUIs, or hit-and-run occurrences, can affect your insurance rates in the city. Here's a view of how common claims and violations can change your rates in Boca Raton, listed from the least impactful to the most impactful:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| No Claims or Violations | $267 | - |
| Not at-fault Accident | $290 | +9% |
| Driving with expired registration | $318 | +19% |
| Speeding Ticket | $350 | +31% |
| DUI | $385 | +44% |
| Driving with a suspended license | $399 | +49% |
| At-fault Accident | $406 | +52% |
| Hit and Run | $422 | +58% |
What car insurance discounts can I get in Boca Raton?
In Boca Raton, there are numerous discounts available to help reduce the cost of your insurance. These include bundling policies, paying your entire premium upfront, switching to paperless billing, and securing renewal discounts, among others. Below, you will find a list of these discounts ranked from the greatest to the least in terms of savings potential, offering you a clear view of the opportunities to lower your expenses:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $238 | +$29 |
| Paid in Full | $242 | +$25 |
| Low Mileage | $254 | +$13 |
| Multi-Policy Renters | $256 | +$11 |
| Renewal discount | $260 | +$7 |
| Paperless | $263 | +$4 |
| Electronic Funds Transfer | $263 | +$4 |
| None | $267 | - |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.