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Updated
Coral Springs drivers pay an average of $129 per month for liability-only car insurance and $236 for full coverage, according to Insurify data. That’s less than in nearby Fort Lauderdale, at $181 per month for liability coverage and $252 for full coverage, but more than in Jupiter to the north, where car insurance averages $120 per month for liability coverage and $205 for full coverage.
Coral Springs has a population density of roughly 5,900 people per square mile.[1] That’s far above Florida’s statewide average of 401 people per square mile. Increasing tourist traffic and prolonged traffic congestion in Coral Springs increase the likelihood of accidents and claims.
Coral Springs drivers pay less for liability insurance than the Florida state average of $139 per month. State Farm has the cheapest liability-only rates, at $78 per month, on average.
State Farm has the cheapest full-coverage car insurance rates in Coral Springs, averaging $127 per month. Coral Springs drivers pay more for full coverage than the state average of $236 per month, according to Insurify data.
Florida car insurance laws require a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL).[2] Unlike most other states, Florida’s car insurance requirements don’t require drivers to buy bodily injury liability coverage.
Because Coral Springs experiences hurricanes, severe storms, and floods, it’s a good idea to consider a full-coverage car insurance policy, which includes comprehensive coverage, to protect your vehicle.
The table below shows liability-only and full-coverage quotes from several insurance companies in Coral Springs.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $78 | $126 |
| Progressive | $79 | $140 |
| Clearcover | $83 | $206 |
| Mile Auto | $84 | $157 |
| GEICO | $89 | $183 |
| Embark | $101 | $251 |
| Dairyland | $104 | $311 |
| Direct Auto | $116 | $197 |
| GAINSCO | $116 | $278 |
| Mercury | $118 | $176 |
| The General | $124 | $237 |
| Bristol West | $132 | $207 |
| Allstate | $136 | $218 |
| AssuranceAmerica | $136 | $248 |
| National General | $141 | $185 |
| Root | $154 | $278 |
| Travelers | $160 | $260 |
| Mendota | $217 | $343 |
| First Acceptance | $222 | $325 |
| Liberty Mutual | $223 | $291 |
Pay your first week’s premium and get immediate proof of coverage
Coral Springs drivers typically pay less for car insurance than drivers in larger metro areas like Fort Lauderdale, Miami, and Orlando but more than drivers in inland communities like Eustis and Clermont.
Miami Gardens is among Florida’s most expensive cities for auto insurance, with an average rate of $317 per month for full-coverage policies.
Vehicle theft rates across different areas contribute to those differences. For example, Broward County, where Coral Springs is, recorded 2,195 stolen vehicles in the first half of 2025, compared with 3,295 stolen vehicles in Miami-Dade County, according to data from the National Insurance Crime Bureau.
Lower vehicle theft risk in Coral Springs helps keep rates cheaper than in larger metro areas.
The following table shows average monthly car insurance premiums across Florida cities.
City | Average Monthly Quote |
|---|---|
| Apopka | $187 |
| Cape Coral | $168 |
| Clearwater | $174 |
| Coral Springs | $183 |
| Davenport | $187 |
| Daytona Beach | $175 |
| Fort Lauderdale | $217 |
| Fort Myers | $178 |
| Gainesville | $156 |
| Jacksonville | $186 |
| Jupiter | $163 |
| Lakeland | $175 |
| Melbourne | $160 |
| Miami | $238 |
| Miami Gardens | $265 |
| Naples | $161 |
| Ocala | $169 |
| Orlando | $207 |
| Palm Bay | $169 |
| Panama City | $146 |
| Pensacola | $159 |
| Pompano Beach | $221 |
| Riverview | $217 |
| St. Petersburg | $184 |
| Sarasota | $157 |
| Spring Hill | $197 |
| Tallahassee | $166 |
| Tampa | $239 |
| Venice | $132 |
| West Palm Beach | $223 |
| Winter Haven | $180 |
Coral Springs drivers have to deal with some challenging road conditions, from South Florida’s seasonal storms to busy commuting corridors. Here are some tips for staying safe on the road:
Watch for flash floods during hurricane season. Florida’s hurricane season runs from June through November, and heavy rainfall in Broward County can leave roads underwater and impassable with little warning. Never drive through standing water, even if it looks shallow.
Expect congestion on the Sawgrass Expressway and University Drive. Morning and evening rush-hour traffic on the Sawgrass Expressway and the Florida Turnpike is a daily reality for Coral Springs commuters. Build extra time into your drive during peak hours, especially if you’re heading toward Fort Lauderdale or Miami.
Consider uninsured motorist coverage. Roughly 20% of Florida drivers are uninsured, and nearly 25% of crashes in the state involve a hit-and-run. State-minimum coverage won’t protect you in either scenario.
Remove key fobs from your vehicle. Auto thefts rose 57% from 2023 to 2024, and the Coral Springs Police Department attributes many of those thefts to key fobs left inside vehicles. Parking in a garage when possible adds another layer of protection.
Your driving history is one of the biggest factors affecting the cost of car insurance in Coral Springs. Roughly 4.2% of Coral Springs drivers have an at-fault accident on their record, 2.8% have a speeding ticket, and 0.7% have a driving under the influence (DUI) conviction, according to Insurify data.
Florida is a no-fault state, meaning your own car insurance pays your medical bills regardless of who caused the crash. Even so, an at-fault accident or DUI can trigger a rate increase and label you as a high-risk driver.
If you get a DUI in Florida, you face fines between $500 and $1,000 for a first offense, vehicle impoundment, license suspension, and even imprisonment. You may also have to file an SR-22 to reinstate your driver’s license.
The table below shows how your driving record affects average monthly car insurance quotes in Coral Springs.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $183 |
| Speeding ticket | $213 |
| At-fault accident | $233 |
| DUI | $239 |
Age is another factor insurance companies use to set rates. Seniors, who represent 13% of the city’s population, have the lowest average rates in Coral Springs, while teen drivers pay the most.
Florida’s graduated driver licensing (GDL) laws allow teens to get permits at age 15 after passing a knowledge exam. To get a full license, they must be at least 16 years old, have a learner’s license for at least 12 months, pass a driving skills test, and have 50 hours of supervised driving experience, with at least 10 hours of night driving.
The table below shows the cheapest liability-only rates for Coral Springs drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $308 |
| 20s | $140 |
| 30s | $125 |
| 40s | $191 |
| 50s | $112 |
| 60s | $165 |
| 70+ | $109 |
*Quotes generated for Insurify users in and around Coral Springs, Florida within the last 10 days. Last updated on July 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Coral Springs, Florida within the last 10 days. Last updated on July 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
See answers below to common questions from Coral Springs drivers looking for an affordable insurance policy.
State Farm has the cheapest liability-only rates, with policyholders paying a monthly premium of $78, on average. Progressive and Clearcover also have low rates. The average cost of car insurance varies by company and driver profile, so comparing quotes is the best way to find cheap car insurance.
Start by comparing car insurance premiums from several insurance companies. Make sure each quote includes the same coverage options, and factor in customer service claims satisfaction, available discounts, and price.
Insurance rates reflect local risk. Coral Springs is in Broward County, just outside of Fort Lauderdale. The motor vehicle theft rate in Broward County is lower than in big metro areas like Miami-Dade, which contributes to lower rates. But the area’s higher traffic density means it’s typically more expensive to insure a vehicle in Coral Springs than in smaller towns like Jupiter or Eustis.
Maintaining a good credit profile, clean driving record, bundling your auto and home insurance policies, and choosing a higher deductible can help you qualify for the best rates. Also, ask your insurance company about discounts for installing an anti-theft device.
State Farm offers the most affordable auto insurance rates for Florida drivers with clean records, at $80 per month for liability-only coverage. Rates vary by vehicle type and driver profile, so it’s important to compare quotes from multiple insurers to find the cheapest car insurance companies.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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