Car Insurance in Boca Raton, Florida
Estimated full coverage in Boca Raton runs about $2,300 a year ($192/month) — ▲ +2% versus the Florida average, ranking 25th most expensive of the 39 Florida cities we cover.
Why car insurance in Boca Raton costs more than the Florida average
Insurers price by territory, and Boca Raton's numbers explain most of the gap. With 102,238 residents on 29.2 square miles, the city's density (3,504 people per square mile) is 4.1 times the density where the typical Florida resident lives (847). The average commute is 21.2 minutes (Florida: 28.0), and 64% of workers drive alone. Together these put our location factor at 1.02× the state baseline for liability and collision.
| Factor | Boca Raton | Florida ref. | Why it matters |
|---|---|---|---|
| Population density | 3,504 / sq mi | 847 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 21.2 min | 28.0 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 4.3% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 63.9% | — | Share of workers commuting by car. |
| Public transit to work | 0.6% | — | Transit use lowers how much residents drive. |
| Work from home | 23.5% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 5.3% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 87.2 | 86.2 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Boca Raton
Rates can change from one ZIP code to the next. Across 5 Boca Raton ZIP codes, our full-coverage estimate ranges from $2,275 in 33431 to $2,345 in 33432. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 33496 | 26,579 | 2,519 | 24.0 min | 2.5% | $2,310 | 0% |
| 33431 | 24,608 | 2,953 | 21.0 min | 3.8% | $2,275 | −1% |
| 33486 | 23,232 | 4,342 | 21.2 min | 7.2% | $2,325 | +1% |
| 33432 | 21,834 | 4,708 | 22.0 min | 4.7% | $2,345 | +2% |
| 33487 | 20,717 | 3,089 | 21.4 min | 3.7% | $2,285 | −1% |
Minimum car insurance in Boca Raton
Boca Raton drivers follow Florida's rules: at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability. Florida is no-fault. We estimate state-minimum coverage in Boca Raton at $1,095 a year, and $1,590 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Not for most drivers | — | Injuries you cause to other people |
| Property damage liability | Yes | $10,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | $10,000 Personal injury protection of $10,000 is required; it pays 80% of reasonable medical costs regardless of fault. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Policies with bodily injury liability must include uninsured motorist coverage unless the named insured rejects it in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Florida's uninsured motorist coverage also applies when the at-fault driver's limits are too low. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Bodily injury liability is not required to register a vehicle; drivers involved in certain crashes or convictions must show 10/20/10 bodily injury coverage, and DUI offenders need 100/300/50.
Risk factors that shape Boca Raton premiums
Accidents
Florida recorded 3,138 traffic deaths, or 1.26 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Palm Beach County as relatively low for hail, relatively high for inland flooding and relatively high for strong wind, and very high for hurricanes.
Traffic & commuting
4.3% of Boca Raton commuters spend an hour or more getting to work, and there are 1.66 vehicles per household. 23.5% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 43.9 | Comprehensive (car); roof claims (home) | |
| Tornado | 93.8 | Comprehensive; dwelling | |
| Hurricane | 99.9 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 98.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 93.4 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 93.2 | Comprehensive; dwelling | |
| Winter weather | 0.0 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Boca Raton by driver profile
A clean-record driver in their 50s pays the least in our Boca Raton model (about $2,115 for full coverage); an 18-year-old on their own policy pays about $6,320, and a DUI pushes a 30-something to $4,250.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $3,010 | $4,365 | $6,320 | $527 |
| Young adult (22) | $1,750 | $2,540 | $3,675 | $306 |
| Adult in their 30s | $1,095 | $1,590 | $2,300 | $192 |
| Adult in their 50s | $1,005 | $1,460 | $2,115 | $176 |
| Senior (72) | $1,225 | $1,780 | $2,575 | $215 |
| 30s, one at-fault accident | $1,590 | $2,300 | $3,330 | $278 |
| 30s, DUI on record | $2,025 | $2,940 | $4,250 | $354 |
Minimum vs. standard vs. full coverage in Boca Raton
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $1,095 | $91 | $900–$1,290 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,590 | $132 | $1,300–$1,875 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,300 | $192 | $1,885–$2,710 |
Estimate your premium in Boca Raton
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Cheap car insurance in Boca Raton: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Boca Raton's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $100 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $165 | You're among the 23.5% of Boca Raton workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $390 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $710 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $505 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Boca Raton
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 9 offices listed below.
- Check complaint records with the Florida Office of Insurance Regulation (complaint information) before you buy.
- Mention your ZIP code accurately — within Boca Raton, our estimates differ by up to $70 a year between neighborhoods.
Car insurance agents near Boca Raton, FL
We found 9 insurance offices within about 4 miles of central Boca Raton, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
-
John Santoro - State Farm
123 NW 13th Street, Suite #305A, Boca Raton, FL 33432 -
Hugo Nunez - State Farm
399 West Palmetto Park Road, Suite 108, Boca Raton, FL 33432 -
Jessica Hartline - Allstate
2884 N Federal Hwy, Boca Raton, FL 33431 -
Bill Anderson - Allstate
4720 NW 2nd Ave, Ste D107, Boca Raton, FL 33431 -
Howard Greenberg - Allstate
941 Clint Moore Rd, Boca Raton, FL 33487 -
Rick Sanchez - State Farm
21073 Powerline Road, Suite 32, Boca Raton, FL 33433 -
Christopher McHugh - Allstate
6063 SW 18th St, Ste 107, Boca Raton, FL 33433 -
NCCI Holdings Inc
901 Peninsula Corp Circle, Boca Raton, FL 33487 -
Robert Reid II - Allstate
7025 Beracasa Way, Ste 204, Boca Raton, FL 33433
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Boca Raton
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,770 | −23% |
| Subaru Outback | Wagon | $1,720 | −25% |
| Tesla Model 3 | Midsize car | $2,355 | +2% |
| Subaru Forester | Small SUV | $1,670 | −27% |
| Honda Civic | Compact car | $2,665 | +16% |
| Toyota Corolla | Compact car | $2,520 | +10% |
| Jeep Wrangler | Midsize SUV | $2,125 | −8% |
| Mazda CX-5 | Small SUV | $1,980 | −14% |
| MINI Cooper | Subcompact car | $1,770 | −23% |
| Tesla Model Y | Midsize SUV | $2,115 | −8% |
Car insurance in nearby Florida cities
- Pompano Beach $2,470/yr · 9 mi
- Boynton Beach $2,460/yr · 11 mi
- Coral Springs $2,565/yr · 12 mi
- Fort Lauderdale $2,465/yr · 16 mi
- Davie $2,450/yr · 23 mi
- West Palm Beach $2,295/yr · 24 mi
- Hollywood $2,550/yr · 24 mi
- Miramar $2,565/yr · 28 mi
- Pembroke Pines $2,560/yr · 29 mi
- Miami Gardens $2,625/yr · 31 mi
- Hialeah $2,635/yr · 39 mi
- Miami $2,625/yr · 42 mi
All Florida cities and state rules · Homeowners insurance in Boca Raton
Frequently asked questions
How much is car insurance in Boca Raton, FL?
We estimate full coverage in Boca Raton at about $2,300 a year ($192 a month) for a driver in their 30s with a clean record, and about $1,095 for Florida's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Boca Raton more expensive than the Florida average?
Our Boca Raton estimate is 2% higher than the statewide figure. The model reflects a population density of 3,504 people per square mile (the typical Florida resident lives at about 847) and an average commute of 21.2 minutes versus 28.0 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Boca Raton?
Drivers in Boca Raton follow Florida law: at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability.
Which ZIP code in Boca Raton has the cheapest car insurance?
Among Boca Raton's 5 ZIP codes, 33431 has the lowest estimate (about $2,275 a year for full coverage) and 33432 the highest (about $2,345), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Boca Raton?
An 18-year-old with their own full-coverage policy would pay around $6,320 a year in Boca Raton by our estimate ($3,010 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Boca Raton?
Yes. FEMA's National Risk Index rates Palm Beach County for hurricane (very high), inland (river) flooding (relatively high), and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Boca Raton?
We list 9 insurance offices in and around Boca Raton, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Florida Statutes 627.733 (required PIP security)
- Florida Statutes 324.022 (property damage liability $10,000)
- Florida Statutes 627.737 (tort exemption and threshold)
- Florida Statutes 324.023 (DUI 100/300/50 financial responsibility)
- FLHSMV: Florida Insurance Requirements
- FLHSMV: Financial responsibility procedures manual (SR-22/FR-44)
- Florida Department of Financial Services: Get Insurance Help
- Florida Statutes 627.727 (uninsured motorist coverage)
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Boca Raton and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places