Most Palm Beach County cities on this site either match or beat the Florida average on car insurance. Greenacres beats it on both ends.

This inland suburb of about 45,200, wedged between West Palm Beach and Wellington just west of I-95, doesn't have a standout rating factor pushing its premiums up. What it has instead is a theft rate well below the national number and a driver pool that files fewer claims than the coastal cities around it.

Greenacres Auto Insurance at a Glance

  • Full coverage average: about $220/month ($2,640/yr)
  • Minimum liability average: about $130/month ($1,560/yr)
  • Florida statewide average: $236/month full coverage, $139/month minimum
  • Required: $10,000 PIP + $10,000 property damage liability
  • Population: roughly 45,200, in Palm Beach County
  • Vehicle theft rate: about 122.8 per 100,000, versus a national average of 284
  • ZIP codes: 33413, 33467

A Rate That Undercuts the State on Both Ends

Full coverage in Greenacres averages about $220 a month, close to $2,640 a year — below Florida's statewide full-coverage average of $236 a month ($2,832 a year). Minimum liability comes in around $130 a month, roughly $1,560 a year, also under the state's $139-a-month floor.

That state minimum still buys only $10,000 of personal injury protection and $10,000 of property damage liability, the same thin floor every Florida driver gets. PIP pays 80% of medical bills and 60% of lost wages after a crash regardless of fault, and a serious injury claim can burn through that cap in a single visit.

The Biggest Factor: A Theft Rate Under Half the National Average

Comprehensive and collision coverage — the two pieces that separate a full-coverage policy from bare-minimum liability — price directly off vehicle theft exposure. Greenacres logs about 122.8 motor vehicle thefts per 100,000 residents, compared with a national average near 284.

That's well under half the national rate, and it lands almost entirely on the comprehensive side of a bill. In cities where theft runs above the national number, that gap alone can add well over a hundred dollars a year to full coverage — Greenacres drivers largely skip that penalty.

A Steady, Owner-Occupied Driver Pool

Greenacres carries a median household income of about $70,491 and a homeownership rate near 66.5%, with median property values around $291,000. That's not a wealthy market by Palm Beach County standards, but it's a stable one, and stability shows up in fewer at-fault liability claims than the county's busier, more transient corridors.

Liability pricing tracks accident frequency and claim severity across the surrounding rating territory more than it tracks income directly, and on that measure Greenacres lands favorably compared to its coastal neighbors.

Greenacres vs. Its Neighbors

West Palm Beach, which Greenacres borders to the east, prices by ZIP code, with premiums swinging widely between waterfront addresses and inland neighborhoods. Wellington, to the west, deals with a seasonal traffic surge every winter from the Equestrian Festival and carries a much higher median income.

Greenacres sits geographically between the two without inheriting either one's rating quirk — no ZIP-code income cliff, no seasonal horse-trailer traffic — just a lower theft number and a steadier claims history.

Lowering Your Greenacres Premium

Even starting from a below-average number, shop multiple carriers every renewal. Palm Beach County pricing still spreads by hundreds of dollars a year for an identical driver profile, low theft rate or not.

If you commute on Jog Road, Lake Worth Road, or Haverhill Road, ask about low-mileage or telematics discounts. And keep uninsured motorist coverage current — Florida's statewide uninsured-driver rate sits near 20.6%, and that risk doesn't care how low your local theft number is.