Auto Insurance in Palm Bay (32909)
Florida · Below Average · 27th percentile statewide
Carrier Rates in 32909
6-month premiums from SERFF rate filings. Standard driver profile.
How 32909 Compares
Palm Bay (32909) is below average for auto insurance in Florida, ranking in the 27th percentile.
The cheapest carrier is USAA at $460/6mo — 44% less than the most expensive (State Farm at $815).
The median premium of $573 is 13% below the Florida statewide median of $658.
Frequently Asked Questions
How much is auto insurance in Palm Bay (32909)?
The median 6-month premium in Palm Bay (32909) is $573 across 5 carriers. Premiums range from $460 to $815, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 32909?
USAA offers the lowest rate in 32909 at $460/6mo. That's 44% less than the most expensive option (State Farm at $815/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 32909?
Auto insurance rates in Palm Bay (32909) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Palm Bay ranks in the 27th percentile statewide, meaning it's below average compared to other Florida ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in Florida
Want full rate data for 32909?
Access ZIP-level rate data across all 5 carriers, 397 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.