Car Insurance in Boca Raton, FL [The Complete Guide]
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UPDATED: Feb 25, 2020
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|BOCA RATON CITY STATISTICS||DETAILS|
|City Density||3,610 people per square mile|
|Average Cost of Car Insurance in Boca Raton||$4,581.66|
|Cheapest Car Insurance Company||USAA + State Farm|
|Road Conditions||Poor Share: 8%
Mediocre Share: 48%
Fair Share: 4%
Good Share: 40%
Vehicle Operating Costs (VOC): $427
If you’re anything like the average American, you have a to-do list that is a mile long. Adding one more tedious and boring task to that list that could potentially take hours to complete is not something anyone wants to do.
Finding car insurance in Boca Raton, Florida, can seem daunting, not just because it’s time-consuming, but also because many drivers aren’t exactly sure how to find the best policy with the perfect price tag.
Does this sound like the boat (or car) you’re in? if so, you’ve come to the right place.
We will admit it — car insurance isn’t the most exciting subject, but it’s extremely important to know all about your coverage, why you have it, and how you can save money when you purchase your policy.
But you might be scratching your head and asking yourself this question: where do I start?
Start here in this complete guide to car insurance in Boca Raton. In this guide, we’ve compiled extensive research, data, statistics, and more from reliable and trusted sources like the National Highway Traffic Safety Administration, the Insurance Institute for Highway Safety, Nolo, DataUSA, and more.
If you ever wondered how Boca Raton compared to finding car insurance in Florida or against other metros in Florida like Hollywood, Fort Lauderdale, Gainesville, Tallahassee, Jacksonville, Miami Beach, we’ve got you covered.
From car insurance laws to rules and risks of the Florida roads, we’ve got it all, so don’t go anywhere. Are you ready to save big on your car insurance policy right now? Enter your ZIP code in our free comparison tool above to get started.
Keep reading for exclusive information about car insurance laws and discounts below.
The Cost of Car Insurance in Boca Raton
Many drivers believe that the cost of their car insurance policy is the most important factor when considering different car insurance providers. In other words, statistically, if a driver can’t afford the extra coverage or the rate is extraordinarily high, they will simply move on to another company until they find the perfect rate.
How much does car insurance actually cost?
The cost of car insurance depends on several different factors including driving record, credit history, age, gender, place of residency, weather patterns, and even your marital status.
Stick around as we go through each of these important factors in the following section.
Does gender and age affect my car insurance in Boca Raton?
How can age and gender affect your car insurance rate?
The first thing a car insurance provider might ask you for is your age. Let’s see what the data says about Boca Raton.
DataUSA says that the median age in Boca Raton is 47.3. Drivers don’t need to be concerned about high rates based on the median age because it is well above the “inexperienced driver” age of 21.
Usually, teenage drivers are charged the highest car insurance rates overall; this is likely attributed to their lack of experience behind the wheel. On the other hand, drivers over the age of 60 usually have the lowest car insurance rates across the board.
Check out this table below.
|Average Annual Rate||$3,928.70||$3,593.54||$11,844.63||$4,472.28||$3,593.54|
As you can see, 17-year-old drivers pay an average of just over $11,000 per year for car insurance in Boca Raton. There is a significant gap between what insurers charge teen drivers when contrasted with the rest of the driving population.
Don’t be discouraged by these higher rates — the older you get, the less you’ll pay for car insurance if you are able to keep a clean record.
Let’s take a closer look at how your gender can affect your rate.
In Boca Raton, male drivers are charged approximately $5,959.79 in annual rates, while female drivers pay approximately $5,646.44 per year in policy premiums. This means that male drivers pay out around $313 more annually for coverage than female motorists do.
Now, let’s put all the stats together. The table below indicates how both age and gender together, along with the driver’s marital status, affect average auto insurance rates in Boca Raton.
|Married 60-year-old female||$3,560.27|
|Married 60-year-old male||$3,626.81|
|Married 35-year-old male||$3,880.21|
|Married 35-year-old female||$3,977.20|
|Single 25-year-old female||$4,327.16|
|Single 25-year-old male||$4,617.39|
|Single 17-year-old female||$10,721.13|
|Single 17-year-old male||$12,968.14|
Generally, married, 60-year-old women pay the cheapest rates for car insurance while single, 17-year-old males pay the highest rates for car insurance.
Married couples are often seen as more responsible by car insurance companies; statistically, they are safer drivers and less likely to cause or be involved in car accidents.
There are many more factors that go into deciding a car insurance rate. We will talk about those up next, so don’t go anywhere.
What are the cheapest ZIP codes in Boca Raton?
Did you know that your place of residence can also affect your car insurance rate? The cost of your auto insurance coverage in Boca Raton could vary based on components like high crime or natural disasters in your area.
The table below shows the cheapest ZIP codes in Boca Raton for car insurance. Navigate the table and find out how much Florida insurers are charging consumers where you live.
|ZIP Code||Average Annual Rate|
As you may have noticed, there’s about an $80 difference from the cheapest rate in the table to the lowest. Although it’s possible that one ZIP code might be more prone to natural disasters, it is likely that the ZIP codes with the higher rates have more crime or have car accidents happen more often.
What’s the best car insurance company in Boca Raton?
While it’s good to know which factors can affect your car insurance rate, it’s even better to know that not all car insurance companies measure these factors the same way. Are you confused?
Company A might feel that your driving record should influence your rate more than your age while Company B thinks that your credit history should influence your rate more than your driving record. In other words, not all car insurance companies believe that the same factors hold the same amount of weight when determining your car insurance rate.
This is pretty important information, right?
We’ve only scratched the service when it comes to discussing the factors that can affect your car insurance rate. To save you time and trouble, our researchers gathered the data with more of these important factors, including the cheapest rates by company, rates based on your commute, rates based on your coverage level — and so much more.
Are you ready?
Check out these factors below.
Cheapest Car Insurance Rates by Company
The table below shows the car insurance companies that charge the cheapest coverage rates in Boca Raton.
|Group||Married 35-year-old female||Married 35-year-old male||Married 60-year-old female||Married 60-year-old male||Single 17-year-old female||Single 17-year-old male||Single 25-year-old female||Single 25-year-old male||Average|
Notice that USAA has the cheapest average annual rate while Allstate has the highest average rate. However, take a look at the rates for single, 25-year-old females. Allstate has a cheaper rate than Progressive does for this specific category.
When you’re looking at average rates, make sure you check out the average rates for your specific demographic, not just the average annual rate across the board.
Best Car Insurance for Commute Rates
How far you drive every day can also affect your rate.
According to the Federal Highway Administration’s 2014 Licensed Drivers By State report, Floridians drove an average of 14,465 miles in the state that year. The table below indicates the average annual premiums Boca Raton insurers charge based on consumers’ commute rates.
|Group||10 miles commute. 6000 annual mileage.||25 miles commute. 12000 annual mileage.||Average|
It’s interesting to see that while some companies charge much more per year if you drive more miles, other companies leave the rate alone — even if you drive more.
If you know that you drive more than the average person, it might be a good idea to look into a rate with Nationwide.
Best Car Insurance for Coverage Level Rates
Another factor that can affect your rate in a more positive way is your coverage level. If you have more car insurance coverage than what is required by the state of Florida, your provider will likely give you a break on your rate.
Check out this table below to see what we’re talking about.
For a couple of thousand dollars more per year ($45-$60 more per month), you can go from having minimum liability insurance to comprehensive coverage.
Higher levels of coverage may come at a heftier price, but if you can afford the extra coverage now, you could save yourself literally hundreds of thousands of dollars in the long run.
Best Car Insurance for Credit History Rates
How can your credit score determine your car insurance rate?
Your credit score can be for much more than just determining your interest rates and mortgage loan approvals; it can also have a huge impact on how much you pay for car insurance every year.
Check out the table below.
As you probably guessed, poor credit history can cost you thousands of dollars in annual car insurance policy fees.
If you have poor credit, you might be seen as irresponsible to many car insurance companies out there. However, on the other hand, if you have good credit, you’ll most likely save money on your car insurance policy.
Best Car Insurance for Driving Record Rates
The most significant factor to affect your car insurance rate is most likely going to be your driving record. Take a look at the table below.
|Group||Clean record||With 1 accident||With 1 DUI||With 1 speeding violation||Average|
Being convicted of just one DUI can cause your rate to increase by at least three to four thousand dollars.
One speeding ticket can increase your rate by at least $1,500 or more. If you know you have a poor driving record, it might be smart to choose a company like State Farm, as their rates aren’t astronomically high.
What are some car insurance factors in Boca Raton?
City statistics like median household income, prosperity rates, homeownership and more can also affect the average car insurance rate in Boca Raton.
In this next section, we will cover these factors and many others that can influence your car insurance rate, so don’t go away.
Boca Raton Metro Report
Let’s take a look at the growth and prosperity of Boca Raton in the Brookings Metro Report.
- Productivity: + 1.6 percent (22nd of 100)
- Standard of Living: + 2.5 percent (15th of 100)
- Average Annual Wage: + 1.4 percent (24th of 100)
- Jobs: + 1.7 percent (36th of 100)
- Gross Metropolitan Product (GMP): + 3.4 percent (22nd of 100)
- Jobs at Young Firms: + 2.6 percent (62nd of 100)
From 2016 to 2017, the city of Boca Raton saw improvement in both areas of growth and prosperity.
Median Household Income in Boca Raton
Have you ever wondered how much of your annual salary is eaten up by car insurance costs?
According to DataUSA, households in Boca Raton have a median annual income of $76,218, which is more than the median annual income of $61,937 across the entire United States. This is in comparison to a median income of $72,970 in 2016, which represents a 4.45 percent annual growth.
What does this mean in practical terms for car insurance rates?
The average cost of auto insurance in Boca Raton is $4,581.66. This means that approximately 6 percent of the average worker’s income is going straight to car insurance premiums.
This may seem a little high for the area, but it’s actually lower than average.
In the neighboring area of Miami-Fort Lauderdale-West Palm Beach, the average resident earns a median household income of $51,758. The average yearly cost of car insurance in Miami is $5,784.68, which means that residents are paying out around 11.2 percent of their income in premiums.
Obviously, not every driver will pay this rate or have this income, so it’s good to shop around for rates that fit your budget as well as your family’s needs.
Would you like to know exactly how much of your income is being spent on car insurance? Use our free calculator tool below to find out.
Homeownership in Boca Raton
Being a homeowner is another factor that could affect your car insurance rate in a positive way. Car insurance companies believe that homeowners are more responsible with their money, pay their bills on time, and they are less likely to be dangerous drivers.
DataUSA says that in 2017, 70.6 percent of the housing units in Boca Raton were occupied by their owner. This percentage grew from the previous year’s rate of 69 percent.
This percentage of owner-occupation is higher than the national average of 63.9 percent.
In 2017, the median property value in Boca Raton grew to $401,000 from the previous year’s value of $381,600.
Education in Boca Raton
Boca Raton has several universities and colleges. In this section, we will cover some of the important statistics about secondary education in Boca Raton.
In 2017, universities in Boca Raton awarded 9,072 degrees. The student population of Boca Raton is skewed toward women, with 15,850 male students and 19,812 female students.
Based on the 2017 stats acquired by DataUSA, the largest universities in Boca Raton in terms of degrees conferred were Florida Atlantic University, Lynn University, and Everglades University.
The number of graduates, as well as the percentage of total degrees the largest Boca Raton educational institutions conferred in 2017, are as follows:
- Florida Atlantic University: Graduates: 7,792. Degrees Conferred: 85.9 percent.
- Lynn University: Graduates: 865. Degrees Conferred: 9.53 percent.
- Everglades University: Graduates: 358. Degrees Conferred: 3.95 percent
Currently, the most popular majors in Boca Raton by concentration and percentage of degrees awarded are:
- General Business Administration and Management: (Degrees awarded: 832 and percentage of degrees awarded: 9.17 percent)
- General Interdisciplinary Studies: (Degrees awarded: 459 and percentage of degrees awarded: 5.06 percent)
- General Biological Sciences: (Degrees awarded: 447 and percentage of degrees awarded: 4.93 percent)
General psychology was also another popular major studied in 2016 in Boca Raton.
The median tuition costs in Boca Raton are $25,730 for private four-year colleges, and $2,522 and $14,374 respectively, for public four-year colleges for in-state students and out-of-state students.
Wage by Race and Ethnicity for Common Jobs in Boca Raton
How do race and ethnicity determine the wage rate in Boca Raton?
The table below reveals the disparities in wages based on race and ethnicity in the five most common job roles in Boca Raton by the number of full-time workers.
|ETHNICITY||MISCELLANEOUS MANAGERS||PERCENTAGE OF INCOME GOING TO CAR INSURANCE||ELEMENTARY AND MIDDLE SCHOOL TEACHERS||PERCENTAGE OF INCOME GOING TO CAR INSURANCE||RETAIL SALESPERSONS||PERCENTAGE OF INCOME GOING TO CAR INSURANCE||CUSTOMER SERVICE REPRESENTATIVES||PERCENTAGE OF INCOME GOING TO CAR INSURANCE||CASHIERS||PERCENTAGE OF INCOME GOING TO CAR INSURANCE|
|Native Hawaiian and other Pacific Islander||$69,397||6.60%||$33,520||13.70%||$6,870||66.70%||$23,902||19.20%||$13,557||33.80%|
|Two or more races||$68,409||6.70%||$39,183||12%||$19,616||23.40%||$24,232||18.90%||$11,921||38.40%|
In 2017, the highest paid race/ethnicity of Florida workers was Asian. These workers were paid 1.08 times more than Alaska Native workers, who made the second-highest salary of any race/ethnicity.
Wage by Gender for Common Jobs in Boca Raton
How does gender affect the pay gap in Boca Raton?
DataUSA says that in 2017, full-time male employees in Florida made 1.34 times more than female employees.
- Boca Raton Female Average Salary — $44,078
- Boca Raton Male Average Salary — $58,931
That’s more than a $14,000 wage gap between genders. Even if male and female employees hold the exact same job title, the statistics reveal that male workers will still bring home a higher personal income.
The average annual cost of car insurance in Boca Raton is $4,581.66.
This means that while women are paying out approximately 11 percent of their annual income to cover the cost of car insurance premiums, men are paying out just under 8 percent of their total yearly earnings for coverage.
Poverty by Age and Gender in Boca Raton
Let’s take a look at key trends about poverty by age and gender in Boca Raton.
About 8 percent of the population for whom poverty status is determined in Boca Raton (7.65k out of 90.9k people) live below the poverty line, a number that is lower than the national average of 13.1 percent.
The largest demographic living in poverty are females 18-24, followed by males 18-24 and then males 25-34.
Poverty by Race and Ethnicity in Boca Raton
The most common racial or ethnic group living below the poverty line in Boca Raton is white, followed by Hispanic and Other.
The Census Bureau uses a set of money income thresholds that vary by family size and composition to determine who classifies as impoverished. If a family’s total income is less than the family’s threshold than that family and every individual in it is considered to be living in poverty.
Employment by Occupations in Boca Raton
From 2016 to 2017, employment in Boca Raton grew at a rate of 2.93 percent, from 44.6k employees to 45.9k employees. The most common job groups, by the number of people living in Boca Raton, are:
- Sales and Related Occupations (7,788 people)
- Management Occupations (7,744 people)
- Office and Administrative Support Occupations (4,950 people)
The highest paid jobs held by residents of Boca Raton, by median earnings, are Architecture and Engineering Occupations ($102,672), Legal Occupations ($84,506), and Management Occupations ($83,844).
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Driving in Boca Raton
Whether you’re just visiting Boca Raton on spring break or you’ve lived in the city your whole life, it’s imperative to know the fastest driving routes so that you can save time and money.
Buckle up as we start a new section below about driving routes in Boca Raton.
What are major roads in Boca Raton?
Jump on this bandwagon as we discuss major highway, back roads, road conditions, popular road trip sites and everything in between up next. Are you ready?
Let’s get started.
Florida has 12 active routes running through the state, comprising a total of 1,497.58 miles of roadway. These active interstates include:
Interstate 95 is one of the primary roadways running through the Boca Raton area. I-95 is the main highway along the state’s Atlantic Coast, commencing at the U.S. 1 partial interchange south of Miami, running through Jacksonville, and down near Becker. A1A also runs along the Atlantic Coast through Boca Raton.
Florida’s Turnpike is one of the primary toll roads running through the state which goes through Boca Raton and is under the jurisdiction of Florida’s Turnpike Enterprise. The Florida Turnpike extends 483 miles in total.
Florida has more miles of toll road than any other state in the country, extending 700 miles throughout The Sunshine State.
Florida’s toll pass is aptly named the SunPass and is an electronic transponder which drivers can affix to their windshield to pass through the E-Pass, SunPass, and O-Pass toll lanes.
You can choose between the SunPass Portable and SunPass Mini when purchasing your toll pass.
The pass costs $19.99 plus tax. You can also purchase it online if you prefer. The SunPass Mini costs $4.99 for online purchases or you can pick up one at any of the locations previously mentioned.
Drivers must register their SunPass Portable or SunPass Mini with a starting balance of at least $10. To register, you can:
Visit Florida’s SunPass page for more information.
Popular Road Trips/Sites
Boca Raton is a beautiful city only miles away from the beach. It’s a great place to do some site-seeing, or drive up and down the coastline in a convertible.
Are you looking for a few fun things to do this weekend? Maybe you’re from out of town and you just want to get a lay of the land. Don’t go away, because we want to tell you about some of the best things to do and see in the gorgeous beach town of Boca Raton.
The following information is brought to you by Trip Advisor:
- Gumbo Limbo Nature Center: This 20-acre coastal preserve is surrounded by a rare remnant of tropical hardwood hammock, located on a barrier island in Boca Raton. Take a stroll through the butterfly garden or walk the Ashley Trail and relax in the authentic Chiki overlooking the Intracoastal. A variety of native fish and other marine animals reside in marine aquariums. Visit the Sea Turtle Rehabilitation Facility to learn about our sea turtle patients. Indoor displays feature wildlife indigenous to South Florida and a series of stained glass windows depicting the coastal island as it may have appeared in the 1500s.
- Sugar Sand Park: Sugar Sand Park features the Community Center, which houses the Children’s Science Explorium and the Willow Theatre; and the Field House, which features an indoor gymnasium. The Science Playground is strong and safe, with a soft, impact-attenuating ground surface. This surface is also the key to the wayfinding feature, allowing parents and children to pinpoint their exact location within the playground through identifying markings. The inclusive playground features new swings, slides.
- BikeCrUz: Grab your friends, grab a seat, have some fun with the hottest social experience in South Florida! So what is a BikeCrUz? It’s a pedal-powered, interactive social experience. It’s a pub-crawl on wheels. It’s a birthday party with pedal power. It’s a mobile company meeting, a rolling tourist stop, and the center of attention in the hottest spots in South Florida.
- Boca Black Box: Boca Black Box is a Center for the Arts, that offers a variety of entertainment from comedy, theater, concerts, musicals and more.
- Boca Raton Airboat Rides: Airboat rides in Boca Raton Florida specializes in Private and semi-private airboat tours in the Florida everglades leaving from Boca Raton Florida. Everglades airboat tours are the best way to see the famous river of grass on a private airboat tour in Florida. Encounter the famous American Alligator, Numerous reptiles, birds and some of our seven species of turtles all in the Everglades on your tour. We also service the surrounding areas for the best Everglades tours, Fort Lauderdale Everglades Tours, Delray beach Everglades tours and Parkland Florida Everglades tours.
- Osprey Point Golf Course: Osprey Point is a 27 hole facility with the three courses very similar and equally challenging. Arrive early and warm-up on the award-winning practice range that includes a large putting green, a chipping green with a large sand trap to hone your sand play, and a 20 station driving range with all grass (no mats) for realistic practice. Instruction is available on site through Don Laws Golf instructional (schedule in advance). Finish the day at The Nest, a recently opened restaurant and bar, conveniently located close to the well-stocked Pro Shop.
Let’s take a look at the road conditions from the Trip Urban Road Report in the table below.
As you can see, the vehicle operating costs in Boca Raton are about $427 per year.
Does your city use speeding or red-light cameras?
In Palm Beach County, Boynton Beach is the only city that currently uses red-light cameras, and that’s after the city shut them down in early 2017 and then re-started the program in late 2017. They are located at:
- Southbound on Northwest Eighth Street at West Boynton Beach Boulevard.
- Eastbound on Boynton Beach Boulevard at North Seacrest Boulevard.
- North- or southbound on South Federal Highway at Southeast 23rd Avenue.
- East- or westbound on East Gateway Boulevard and north- or southbound on North Congress Avenue.
- Eastbound on West Boynton Beach Boulevard/Northwest Second Avenue and northbound on North Congress Avenue.
- East- or westbound on West Woolbright Road and north- or southbound on South Congress Avenue.
- Eastbound on West Woolbright Road at Southwest Eighth Street/Corporate Drive.
Unfortunately, neither the Florida Department of Transportation nor the Department of Highway Safety offers a single, up-to-date way to determine all camera locations; that’s because every city holds a different private contract and is responsible for its own program.
To determine if your local area or most-traveled routes are using red-light cams, check out this map of user-generated data, but keep in mind that it may not be completely up-to-date and accurate. For the most accurate information, you’ll need to look at each city’s website. Boynton Beach, for instance, posts red-light camera locations, the fine schedule, and the citation process on their website.
What type of vehicles are in Boca Raton?
Have you ever wondered what types of vehicles drive around Boca Raton? Usually, every city is a little bit different when it comes to vehicle trends. Keep reading to find Boca Raton’s driving trends, up next.
Most Popular Vehicles Owned
According to Your Mechanic, the most popular vehicle owned in the surrounding area of Boca Raton is the Lexus ES 530.
As you can see from the video above, the Lexus ES 350 is a mid-size luxury sedan.
According to the National Highway Traffic Safety Administration, the 2020 Lexus ES 350 received a five-star safety rating. It gets 22 miles per gallon in the city and 33 miles per gallon on the highway.
How Many Cars Per Household
Most households in Boca Raton own two cars, some own only one.
Households Without a Car
While many households in Boca Raton own at least two cars, there are still some households that don’t own a vehicle at all.
Take a look at the table below.
As you can see, the number of households without a car decreased from 8.8 percent in 2015 to 8.2 percent in 2016. The number of vehicles per household also increased from 2015 to 2016 from 1.45 to 1.49.
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Speed Traps in Boca Raton
Have you ever been driving down the highway, just minding your own business while following the speed of traffic? Then a couple of seconds later you see blue and red lights flashing behind you, signaling for you to pull over.
Before you know it, you’re being written a speeding ticket — and you’ve just been a victim of a speed trap.
Boca Raton is ranked number nine on the list of The 10 Worst Florida Speed Trap Cities. If you’re paranoid about being caught by a speed trap, follow the posted speed limit at all times, even if the flow of traffic is traveling faster than the maximum limit posted.
Vehicle Theft in Boca Raton
How safe is your vehicle from theft in the city of Boca Raton? According to Neighborhood Scout, there were 197 reported vehicle thefts in Boca Raton in 2019.
The safest neighborhoods in Boca Raton, per Neighborhood Scout, are as follows:
- Kimberly Blvd / Ocean Mist Dr
- Mission Bay
- Shorewind Dr / Maypan Dr
- Lakeside Blvd / Boca West Dr
- Woodchuck Ln / Woodchuck Dr
- Ataman St / Alfresco St
- Jog Rd / Champion Blvd
- Arcadia Ct
- Boca Pointe
- Mustang St / Caldera Ave
Neighborhood Scout also revealed that your chances of becoming a victim of violent crime are approximately 2.19 per 1,000 residents. This is much lower than the statewide figure, which puts residents at a 3.85 per 1,000 chance of being a victim of violent crime.
Boca Raton is only safer than 18 percent of cities across the country. The city ranks number 18 in Neighborhood Scout’s crime index, with 100 being the absolute safest.
The table below illustrates the incidents of violent crime in Boca Raton in 2019 alone.
|BOCA RATON VIOLENT CRIMES 2019||MURDER||RAPE||ROBBERY||ASSAULT|
|Rate per 1,000||0.02||0.31||0.84||1.02|
There were only two murders reported in 2019.
Below are Boca Raton’s annual number of crimes for the year 2019.
|Boca Raton Annual Crimes||VIOLENT||PROPERTY||TOTAL|
|Number of Crimes||217||2,496||2,713|
(per 1,000 residents)
In 2019, there were 2,713 reported crimes in the city of Boca Raton.
How is traffic in Boca Raton?
Now that we’ve talked about car insurance factors, crime statistics, and road conditions, it’s time to tackle traffic conditions, Boca Raton’s busiest highways, and more.
Keep reading for exclusive traffic stats up next.
Traffic Congestion in Boca Raton
Do you feel like you are stuck in traffic all of the time?
Thankfully, Boca Raton did not make it onto any traffic report websites like Inrix, TomTom, or Numbeo. But just because Boca Raton isn’t on any of these lists doesn’t mean you’ll never sit in traffic.
Since Boca Raton is part of Palm Beach County, along with cities like Jupiter, Delray Beach, West Palm Beach, and Belle Glade, some traffic from these areas could affect commuters.
Boca Raton drivers don’t sit in traffic for long periods of time, but how much time do they spend during their daily commute?
DataUSA says that by using averages, employees in Boca Raton have a shorter commute time (19.2 minutes) than the normal U.S. worker (25.1 minutes). Additionally, 1.25 percent of the workforce in Boca Raton have “super commutes” in excess of 90 minutes.
In 2017, the most common method of travel for workers in Boca Raton was to drive alone (77.4 percent), followed by those who worked from home (10.6 percent) and those who carpooled (5.89 percent).
According to the Federal Highway Administration, two of the busiest highways near Boca Raton are I-95 and Florida State Road 826. These routes are considered to be heavily congested.
FDOT defines heavy traffic congestion as follows:
- Urban Areas — Traffic is bumper to bumper or moving at a stop and go pace
- Rural Areas — It is difficult to change lanes due to the congestion
How safe are Boca Raton streets and roads?
We’ve talked about the crime rates in Boca Raton, but are you aware of traffic fatality rates in the city?
Many factors can play a role in a fatal car accident, but if we know about those factors, we are more likely to avoid them in the future. The National Highway Traffic Safety Administration’s (NHTSA) 2018 study reported the safety conditions and fatal crashes in Palm Beach County that year.
To begin, let’s take a look at the total fatal crashes in Palm Beach County as of 2018.
In 2018, there were 182 fatal crashes in Palm Beach County.
Take a look at the fatalities in Palm Beach County crashes in 2018 involving alcohol-impaired drivers with BAC levels of .08 above.
From 2014-2018, there were 223 fatal crashes resulting from alcohol-impaired drivers.
Here are the total single-vehicle fatality crashes in Palm Beach County for 2018.
As you can see, there were 104 single-vehicle fatal crashes in 2018 in Palm Beach County.
The table below reveals fatalities in 2018 crashes involving speeding, roadway departures, and intersections (or intersection related) in Palm Beach County alone.
|2015||2016||2017||2018||Fatalities Per 100,000 Population|
|Involving Roadway Departures||41||61||56||42||58||2.93||4.28||3.86||2.86||3.9|
In 2018, there were 30 fatal crashes involving speeding, 58 crashes involving roadway departures, and 75 fatal crashes involving intersections.
The table below illustrates the total fatalities in Palm Beach County in 2018 by person-type.
|2015||2016||2017||2018||Fatalities Per 100,000 Population|
In 2018, there were 69 passenger occupant fatalities, 40 pedestrian fatalities, and six pedal cyclist fatalities.
Check out the table below, indicating the NHTSA’s data regarding highways in the state of Florida with the most fatal crashes. Note how fatalities in your state vary based on the road type involved in the collision.
|FLORIDA ROAD TYPE||FATAL CRASHES|
|Freeway and Expressway||98|
|Total Fatal Crashes||2,915|
As you may have noticed, most of these fatal crashes occurred on roads categorized as “other” and “arterial.” An arterial road is just a high-capacity urban road. Depending on how much traffic is filtering through a specific area, the road could be categorized as a highway or a minor arterial road.
Besides road type fatalities, it is also important to be aware of the high incidence of railroad and highway crashes as they contribute to road dangers in Boca Raton.
The U.S. Department of Transportation accumulated data indicating the fatalities and injuries in Boca Raton due to highway and railroad crashes in recent years, as listed in the table below.
|Highway||Highway User Type||Rail Equipment Type||Non-suicide Fatality||Non-suicide Injury||Latitude||Longitude||GeoLocation|
|N. W. 20th Street||Automobile||Freight Train||0||0||26.362156||-80.086693||Florida
|Palmetto Park Road||Pedestrian||Freight Train||1||0||26.350201||-80.088402||Florida
|Palmetto Park Road||Automobile||C||1||0||26.3507427||-80.1205102||Florida
|Glades Road||Pedestrian||Freight Train||0||0||26.365192||-80.086136||Florida
|Camino Real||Pedestrian||Freight Train||0||0||26.345495||-80.089249||Florida
The only two railroad crashes occurred on Palmetto Park Road.
Allstate America’s Best Drivers Report
Have you ever wondered how drivers in your city compare to other drivers across the country?
According to data collected from Allstate’s Best Drivers in America Report, Hollywood (a city near Boca Raton) is the 91st-safest city to drive in the country as of 2018.
In Hollywood, Florida, the likelihood of a claim being made as compared to the national average is 23.4 percent. Residents of Hollywood typically have 9.2 average years between claims.
Nine years is a long time to go without having a car accident, so this is good news for the city of Hollywood.
Regarding how hard drivers brake every 1,000 miles, whether due to a sudden slowdown in traffic or an obstacle in the roadway, Hollywood’s hard-braking events per 1,000 miles is 30.3.
What ridesharing services are available in Boca Raton? Check out this list below from RideGuru:
- Blacklane: When you order a Blacklane car, a luxury vehicle with seating for one to five people will pick you up.
- Curb: Hail and pay for a traditional Taxi through the Curb app. Curb offers Taxi drivers a way to get more business during slower times. Curb was formerly known as TaxiMagic.
E-star® Repair Shops
Are you in need of some vehicle repair work? Do you wish you knew of a trusted mechanic in the area? Not to worry; an E-star® repair shop could be just around the corner.
E-star® is an Esurance-sponsored program that helps drivers find the best repair shops in their area. Check out the top 10 repair shops in Boca Raton, according to E-star®.
|Shop Name||Address||Contact Info|
|Briceno Auto Body||1394 NW 65 Way|
Plantation FL 33313
P: (954) 894-7776
|Carstar European Paint & Body III||2645 Nw 1st Ave|
Boca Raton FL 33432
P: (561) 347-1855
|Carstar TCA - Sunrise||10301 NW 50 St|
Sunrise FL 33351
|P: (954) 748-9902
F: (954) 748-6994
|Coconut Creek Automotive LLC DBA King Co||4950 N State Road 7|
Coconut Creek FL 33073
P: (954) 283-4444
F: (954) 283-4449
|European Paint & Body II||1694 Donna Rd|
West Palm Beach FL 33409
P: (561) 687-8088
F: (561) 687-7311
|European Paint & Body, Inc||335 Sw 15th Ave|
Pompano Beach FL 33073
P: (954) 783-2434
F: (954) 783-0586
|Fender Mender Auto Body||1165 Nw 55th St|
Fort Lauderdale FL 33309
P: (954) 772-0313
F: (954) 772-6806
|Gonz Collision Center CF||1401 N Dixie Hwy|
Lake Worth FL 33460
P: (561) 588-1401
F: (561) 585-3834
|Lee's Car Care||714 Nw 8th Ave|
Fort Lauderdale FL 33311
P: (954) 463-4835
F: (954) 463-6477
|Palm Beach Toyota||2835 Ranch House Rd|
West Palm Beach FL 33406
P: (561) 242-4460
F: (561) 242-4485
As you can see from this list above, there’s only one shop located in Boca Raton. The rest of the shops listed are located within a 50-mile radius of Boca Raton.
What is the weather like in Boca Raton?
The table below indicates U.S. Climate Data’s stats for typical temperatures in the city.
|BOCA RATON, FLORIDA WEATHER||DETAILS|
|Annual High Temperature||83 F|
|Annual Low Temperature||69 F|
|Average Annual Precipitation (Rainfall)||64.35 inches|
As you can see from the table above, there’s about a 24-degree difference from the lowest temperature to the highest temperature in Boca Raton.
But speaking of the weather, what kinds of natural disasters does Boca Raton face? If your city is more prone to natural disasters than the average U.S. city, you could wind up paying more than the average rate for car insurance.
According to City-Data, Palm Beach County has experienced 24 total natural disasters, which is significantly higher than the nationwide average of 13.
A total of 15 natural disasters in Palm Beach County were declared by the president as major disasters, while the remaining eight were declared to be emergencies.
The causes of these natural disasters were as follows:
- Hurricanes: 15
- Tropical Storms: 4
- Fires: 3
- Flood: 1
- Freeze: 1
- Storm: 1
- Other: 1
Note that some natural disasters may fall into more than one category noted above.
As you can see, the city of Boca Raton has suffered through many hurricanes. But how do we protect our vehicles from natural disasters?
Comprehensive car insurance policies cover the costs of repairs when your vehicle has been damaged during the event of a natural disaster. If your vehicle needs to be totaled because of a natural disaster, it will be fully replaced by your insurance company.
Watch this video below to learn about comprehensive coverage.
If you can spare the extra $40-$50 a month, having a comprehensive car insurance policy could save you thousands of dollars later on down the road.
Is public transit available in Boca Raton?
Tri-Rail is the regional commuter rail system, with 18 stations that span from Mangonia Park in Palm Beach County to the Miami Airport in Miami-Dade County. Tri-Rail stops in Boca Raton at the Yamato Road Tri-Rail Station.
Free shuttles at the Yamato Road Tri-Rail Station provide connections to popular destinations and large employers throughout Boca Raton, including the Park at Broken Sound, Town Center at Boca Raton, Florida Atlantic University, Lynn University, and more.
These free shuttles are as follows:
- The Park at Broken Sound (TPABS): Park of Commerce Blvd., Broken Sound Pkwy.
- Boca Center (BR-1): Town Center Mall, Lynn University, Boca Center
- Boca Raton Innovation Campus (TREX)
- Palm Tran Route 94: Florida Atlantic University, Palm Beach State College
Palm Tran is Palm Beach County’s bus system and provides bus connections to destinations all throughout Boca Raton. The specific Palm Tran routes that serve Boca Raton are as follows:
- Route 1 (Limited Stop): “The Bolt”: Downtown West Palm Beach to Boca Raton via US-1
- Route 1: Palm Beach Gardens to Boca Raton via US-1
- Route 2: Palm Beach Gardens to Boca Raton via Congress
- Route 3: Palm Beach Gardens to Boca Raton via Military Trail
- Route 91: Boca Raton Crosstown via Glades
- Route 92: Boca Raton Crosstown via Palmetto Park Road
- Route 94: FAU-Boca Raton Tri-Rail Shuttle
Route and schedule information for these routes and more can be found at Palm Tran’s Maps and Schedules page.
In addition to their traditional bus service, Palm Tran also offers Palm Tran Connection, a shared ride, door to door, paratransit service that provides transportation for eligible residents and visitors in Palm Beach County.
Broward County Transit (BCT) is Broward County’s bus system and provides a connection from Eastern Broward County into Downtown Boca Raton. This specific BCT route is Route 10: Broward Central Terminal to Minzer Park via U.S.-1.
Are other Alternate Transportation options available in Boca Raton?
As of right now, there aren’t any electric scooters in Boca Raton. However, there are over 1,500 Lime e-scooters in Miami, Fort Lauderdale, and Tampa, as well as about 500 bikes in Orlando.
To find more about electric scooters, watch the video below.
Is parking easy in Boca Raton?
A variety of parking options are available in Downtown Boca.
- Free Parking: Free on-street parking can be found throughout the downtown district and at City lots. In addition, Royal Palm Place offers free parking on their property and Mizner Park offers free parking in their four garages for visitors and patrons.
- Metered Parking: The metered parking areas are needed to effectively manage the availability of public parking within select areas by increasing parking turnover. Current metered parking is located along Plaza Real in Mizner Park, in the City lot at the corner of Federal Highway and NE 2nd Street, and between South Federal Highway, SE 1st Street, SE 1st Ave, and East Royal Palm Road.Please Note: Additional metered spaces are scheduled for downtown, along with a new mobile app, in early 2020.
- Event Parking: For special events at the Mizner Park Amphitheater, Mizner Park Cultural Center, Sanborn Square and elsewhere downtown, parking at the City lots listed below is free, ample, and highly recommended:
- City Hall — 201 W. Palmetto Park Road
- Downtown Library — 400 NW 2nd Avenue
- Building Administration — 200 NW 2nd Avenue
Do you have an electric car?
According to ChargeHub, the city of Boca Raton has 164 public charging station ports (Level Two and Level Three) within 15km. About 85 percent of the ports are level two charging ports and 35 percent of the ports offer free charges for your electric car.
The two main charging networks in operation are SemaConnect and Tesla.
How is the air quality in Boca Raton?
When cars were first invented, they emitted many harsh fumes into the air causing the air to be severely unhealthy. Now, we’ve come quite a long way since the first car was invented; we don’t need to worry as much about vehicle air pollution.
The following table indicates the air quality in Palm Beach County, based on the Environmental Protection Agency’s reports from 2017, 2018, and 2019.
|PALM BEACH COUNTY AIR QUALITY INDEX||2017||2018||2019|
|Days with AQI||355||365||265|
|Days Unhealthy for Sensitive Groups||2||0||0|
|Days Very Unhealthy||0||0||0|
The data above shows that there have been zero unhealthy days over the past three years. This means that the air quality is excellent in Boca Raton and the surrounding areas.
If you are or have served in the military, you will most likely be able to qualify for a special military car insurance discount. In this next section, we will go over veteran statistics, military bases in Florida, military discounts, and much more.
First, let’s talk about veterans by service period in Boca Raton.
Boca Raton has a large population of military personnel who served in Vietnam, 1.94 times greater than any other conflict. Over 1,500 veterans served in the Vietnam War, 785 veterans served in the Korean War, and 749 veterans served in the Gulf War.
Let’s take a closer look at military bases in Boca Raton.
Florida has 21 military bases total, with several in the region surrounding Boca Raton. Some of the closest military bases are as follows:
- Homestead Air Reserve Base in Miami
- District 7 Coast Guard Base in Miami
- ISC Miami Coast Guard Base in Miami Beach
- Autec Complex Navy Base in West Palm Beach
As a special thank you for your service in the military, car insurance companies often like to give veterans and current military members a discounted rate on their policy.
The table below shows the top known providers currently offering military discounts that you may want to look into further if you previously served or currently serve in the military.
|INSURER||PERCENTAGE SAVED WITH DISCOUNT|
|Geico (may be active or retired)||15%|
|Liberty Mutual (must be active duty)||4%|
|MetLife||15% (could vary based on years of service)|
|Safeco (may be active or retired)||N/A|
|USAA (policyholder, spouse, or parents must be active or retired military to secure policy)||N/A|
In addition, USAA also offers discounts for military garages to hold vehicles on base.
Not every company openly releases the total percentage insureds can save with a military discount, which is why some of the carriers listed above are marked “N/A” in the percentage category. To get a direct quote for you and your family, just call the company directly to speak with an agent.
Both in the state of Florida and around the country, USAA is reserved exclusively for service members (both active or retired) and their families.
The table below reveals USAA’s rates compared to its competition in the insurance market and the state average.
|GROUP||ANNUAL PREMIUM||COMPARED TO STATE AVERAGE (+/-)||COMPARED TO STATE AVERAGE (%)|
As you can see, USAA is usually going to have the cheapest rates for military members.
Unique City Laws
Before we let you go, take a look at these unique city laws in Boca Raton.
What does the city of Boca Raton say about hands-free driving?
According to Boca News Now, the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), with its division of the Florida Highway Patrol (FHP), advises all motorists can be stopped and cited for not operating a motor vehicle in a hands-free manner in a designated school crossing, school zone or active work zone area.
Motorists can also be stopped and cited for using wireless communications devices while driving.
To sell out of a food truck, you will need a general business license, a DBA and a sellers permit. You’ll also need an EIN and a Florida Sales Tax ID if you have employees that work for you. After you have obtained a license, you may call Business Name USA to set up an appointment for health inspection.
What are Boca Raton’s laws concerning tiny houses?
According to Nolo, whether Florida law allows a tiny house in your backyard depends on several factors, including
- what the primary use of the tiny house is
- local policies and regulations of tiny houses, and
- the building and safety standards that will apply to the construction of your tiny house.
This answer provides basic information to help start your research. To fully understand how zoning regulations and building codes will impact your tiny house plans, you need to carefully review the applicable zoning ordinance, talk to the staff at your local planning department, and maybe talk to a Florida land use attorney.
Different uses of land will be subject to different rules. A dwelling, for example, (even a small one) will be subject to different regulations than a greenhouse. For this reason, it may help you to identify what you plan to use your tiny house for.
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Boca Raton Car Insurance FAQs
To conclude our complete guide on car insurance in Boca Raton, here’s a short FAQ section in case you missed anything above.
What car insurance is required in Boca Raton?
According to Nolo, to register and drive a four-wheeled vehicle in Florida, vehicle owners must carry:
- $10,000 in personal injury protection (PIP) benefits, and
- $10,000 in property damage liability (PDL) benefits (which kick in if you damage someone else’s vehicle or other property in an accident).
Unlike almost every other state, Florida does not require drivers to carry liability coverage for bodily injury suffered by other drivers, passengers, pedestrians, and bicyclists in an accident caused by the policyholder.
What do I do if I get into a car accident in Boca Raton?
Florida is one of around a dozen states that follow some version of a “no-fault” car insurance system. That means, after a car accident, your own insurance coverage (in Florida, it’s called “personal injury protection” or “PIP” coverage) pays the medical bills and other financial losses of anyone covered under the policy (up to policy limits), regardless of who caused the accident.
No-fault/PIP claims have limits when it comes to the kinds of losses that are covered, though.
Can I get insurance if I’ve been refused coverage for being a high-risk driver?
If you are unable to secure coverage via the voluntary insurance market due to a history of driving violations or accidents, you may be eligible for high-risk coverage through the Florida Automobile Joint Underwriting Association. Visit their home page to learn more.
What is the cost of living like in Boca Raton?
According to a study by Sterling’s Best Places, the cost of living in Boca Raton is 121. A figure below 100 indicates that a city is cheaper than the U.S. average, while a number exceeding 100 reveals that the city is more expensive.
The median home price in Boca Raton is $341,500.
How far is Boca Raton from Disney World?
If you take Florida’s Turnpike, Walt Disney World is 188.9 miles (2 hours and 43 minutes) away from the city of Boca Raton.
Did we answer all of your questions about car insurance in Boca Raton?
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