For a 40-year-old driver with a clean record, Boca Raton car insurance averages about $406 a month ($4,866 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 23% above the Florida average of $331 a month. Travelers has the lowest full-coverage average of the four major insurers we compared (Allstate, GEICO, Progressive and Travelers), at about $240 a month.
Boca Raton, at the southern end of Palm Beach County, costs about $32 a month less than West Palm Beach for our benchmark driver, but about $75 a month more than the statewide average on our Florida car insurance rates page.
To compare Boca Raton car insurance quotes by ZIP code, start with the table below. Our data covers nine ZIP codes with a Boca Raton mailing address, from about $393 a month in 33428 to $417 in 33487.
Cost data comes from the auto rates insurers file with state regulators, priced across all nine Boca Raton ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Boca Raton averages $4,866 a year, or about $406 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $1,892 a year ($158 a month), and 50/100/50 liability with comprehensive and collision averages $4,097 ($341 a month).
Travelers has the lowest full-coverage average among the four insurers in our Boca Raton rate data. Among the published 2026 statewide Florida rate studies we reviewed, there is no agreement on the cheapest insurer for full coverage. Of the eight that rank insurers, three name State Farm, three name GEICO and two name Travelers. For liability-only coverage at 15/30/10 limits, Travelers has the lowest average among these four insurers, at about $108 a month, with GEICO close behind at $112.
Full-coverage averages by insurer in Boca Raton
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Travelers | $1,292 | $108 | $2,884 | $240 |
| GEICO | $1,339 | $112 | $4,004 | $334 |
| Allstate | $1,922 | $160 | $5,527 | $461 |
| Progressive | $3,013 | $251 | $7,049 | $587 |
| State Farm (Nov. 2025 rates)* | $1,512 | $126 | $3,268 | $272 |
| United Automobile Insurance* | $2,650 | $221 | $3,690 | $308 |
| Nationwide* | $2,134 | $178 | $4,289 | $357 |
| Mercury Insurance* | $1,470 | $123 | $4,759 | $397 |
| Farmers* | $1,971 | $164 | $6,110 | $509 |
| National General* | $2,249 | $187 | $6,432 | $536 |
| Boca Raton average | $1,892 | $158 | $4,866 | $406 |
This table uses Boca Raton ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the nine Boca Raton ZIP codes we price, full coverage for our driver ranges from about $393 a month in 33428 to $417 in 33487, a gap of $289 a year. 33428, on the west side, is the least expensive in our data, and 33487, in the north, the most expensive. In 33431, full coverage averages about $407 a month, close to the city average.
Lowest-priced Boca Raton ZIP codes
Highest-priced Boca Raton ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Boca Raton’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 33428 | $1,857 | $155 | $4,719 | $393 | -3% |
| 33431 | $1,889 | $157 | $4,885 | $407 | About average |
| 33432 | $1,866 | $156 | $4,797 | $400 | -1% |
| 33433 | $1,882 | $157 | $4,839 | $403 | -1% |
| 33434 | $1,899 | $158 | $4,896 | $408 | About average |
| 33486 | $1,837 | $153 | $4,741 | $395 | -3% |
| 33487 | $1,924 | $160 | $5,008 | $417 | +3% |
| 33496 | $1,932 | $161 | $4,937 | $411 | +1% |
| 33498 | $1,940 | $162 | $4,974 | $415 | +2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $769 a year on average in our Boca Raton data, with the same $500 deductibles. That’s about $64 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the three insurers that are in both sets of rates, in the same Boca Raton ZIP codes, their full-coverage average fell from $6,214 a year nine months earlier to $5,527 in rates as of Aug. 31, 2026, an 11.1% drop. Boca Raton averages dropped 19.4% at Progressive, 3.7% at Allstate and 3.6% at GEICO. Travelers is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Boca Raton average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 10.9%, led by Progressive, which cut its liability-only average 17.3%.
Palm Beach County averages about $416 a month for full coverage, the most expensive of the 66 Florida counties we price. Boca Raton is below that average, and it’s the least expensive of the five Palm Beach County cities with five or more ZIP codes in our data. Delray Beach, to the north, averages about $427 a month, while Deerfield Beach, across the county line to the southwest in Broward County, averages $394.
Insurer choice moves the price more than the ZIP code. Boca Raton’s ZIP codes span about $24 a month, but Travelers averages about $240 and Progressive $587 for the same driver and car.
More Florida cities and towns are in the Florida rates by city table, and you can compare states on our car insurance rates by state page.
Pompano Beach, about eight miles south, averages $393 a month, Coral Springs, about 12 miles southwest, $398 and Fort Lauderdale, about 16 miles south, $386.
Drivers in Boca Raton follow Florida’s rules. Every vehicle registered in Florida must carry at least:
Bodily injury liability isn’t required for most Florida drivers. You need it after certain at-fault injury crashes, at 10/20 with an SR-22 filing for three years, according to the Florida Department of Highway Safety and Motor Vehicles, or after a DUI conviction, at 100/300/50 with an FR-44 filing for at least three years, under Florida Statutes section 324.023. Uninsured motorist coverage comes with any bodily injury liability policy unless you reject it in writing, under section 627.727.
Florida’s no-fault law is still in place. The 2026 bills that would have repealed it, S.B. 522 and H.B. 769, died in committee on March 13, 2026. Our Florida requirements guide covers the no-fault rules and the penalties for letting coverage lapse.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Florida law and the Florida Department of Highway Safety and Motor Vehicles. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Boca Raton averages about $406 a month ($4,866 a year) and liability-only coverage at 15/30/10 limits about $158 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 23% above the Florida average of $331 a month.
Travelers has the lowest full-coverage average in our Boca Raton rate data, at about $240 a month, followed by GEICO at $334 among the four major insurers we compared. For liability-only coverage at 15/30/10 limits, Travelers has the lowest average in our Boca Raton rate data, at about $108 a month. The published 2026 statewide Florida rate studies we reviewed disagree on which insurer is cheapest for full coverage: of the eight that rank insurers, three put State Farm first, three GEICO and two Travelers. Rates vary by driver, so compare quotes for your own car and ZIP code.
For our benchmark driver, full coverage in 33431 averages about $407 a month ($4,885 a year), close to the Boca Raton average of $406. Travelers has the lowest full-coverage average of the four major insurers we compared there, about $234 a month. The ZIP code table on this page lists all nine Boca Raton ZIP codes.
In our data, 33428 has the lowest full-coverage average in Boca Raton, at about $393 a month, and 33487 the highest, at about $417. The ZIP code table on this page lists all nine.
In our Boca Raton data, full coverage (100/300/100 with $500 deductibles) averages about $406 a month and liability-only coverage at 15/30/10 limits about $158, a difference of about $248 a month ($2,974 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Florida law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the three insurers in both sets of rates (Travelers is new over the past nine months), their Boca Raton full-coverage average fell 11.1%, from about $6,214 to $5,527 a year. That’s higher than the Boca Raton average of $4,866 because it leaves out Travelers. Progressive cut its Boca Raton average 19.4%, Allstate 3.7% and GEICO 3.6%. Liability-only coverage at 15/30/10 limits fell 10.9%.
For our benchmark driver, full coverage in Boca Raton averages about $406 a month. Nearby, Pompano Beach averages about $393, Coral Springs about $398 and Fort Lauderdale about $386. Pompano Beach, Coral Springs and Fort Lauderdale are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
