120+ more){kind=small}
Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
Timothy has covered the insurance market for 15 years. He‘s also the editorial director of a niche travel magazine.
){kind=small}
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
){kind=small}
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
Deerfield Beach car insurance averages $192 per month for liability-only coverage and $266 per month for full coverage.
Deerfield Beach is among the most expensive cities for auto insurance in Florida. Rates are higher than in nearby Fort Lauderdale and Boca Raton. Miami Gardens, meanwhile, has the state’s highest average monthly rate, at $267.
Deerfield Beach drivers face multiple risks that lead to higher rates. These include traffic congestion on I-95, heightened flood risks, and an average commute of nearly 30 minutes.[1] [2] The city’s high population density and strong tourism industry also increase the number of drivers on the road.[3]
For cheap liability car insurance, Deerfield Beach drivers can get quotes from State Farm, with an average premium of $99 per month. Clearcover comes in as the second-cheapest insurer, averaging $108 per month. Both insurers’ rates are well below the city’s average liability insurance cost.
The cheapest car insurance in Deerfield Beach is a liability-only policy that meets Florida’s minimum car insurance requirements:[4]
$10,000 in personal injury protection (PIP)
$10,000 in property damage liability (PDL)
Florida doesn’t require bodily injury liability (BIL) coverage. The table below shows the cheapest liability-only auto insurance rates in Deerfield Beach.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $99 |
| Clearcover | $108 |
| GEICO | $113 |
| Progressive | $113 |
| Mile Auto | $118 |
| Embark | $132 |
| Direct Auto | $149 |
| GAINSCO | $149 |
| Dairyland | $150 |
| Allstate | $151 |
| Mercury | $159 |
| The General | $159 |
| AssuranceAmerica | $165 |
| Bristol West | $168 |
| Insurify Car | $174 |
| National General | $185 |
| Travelers | $204 |
| Root | $210 |
| Hugo | $248 |
| First Acceptance | $261 |
| Liberty Mutual | $280 |
| Mendota | $281 |
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For cheap full-coverage car insurance, Deerfield Beach drivers can get quotes from State Farm, with an average monthly rate of $155.
Parts of Deerfield Beach are prone to flooding during hurricanes. Additionally, I-95 is Broward County’s busiest highway corridor and has recorded the county’s highest number of fatal crashes in recent years, contributing to the area’s overall driving risk.[5]
A full-coverage policy with collision and comprehensive coverage may make sense for many Deerfield Beach drivers. Adding roadside assistance can provide even more protection.
The table below shows the cheapest full-coverage car insurance rates in Deerfield Beach.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $155 |
| Progressive | $176 |
| Allstate | $216 |
| Mile Auto | $216 |
| Mercury | $227 |
| GEICO | $233 |
| National General | $233 |
| Direct Auto | $240 |
| Bristol West | $253 |
| Clearcover | $265 |
| AssuranceAmerica | $294 |
| The General | $305 |
| Embark | $317 |
| Travelers | $321 |
| GAINSCO | $342 |
| Liberty Mutual | $365 |
| Root | $366 |
| Dairyland | $388 |
| First Acceptance | $388 |
| Mendota | $431 |
Many of the cities in Florida with the most expensive car insurance surround Deerfield Beach, including Miami, Miami Gardens, Hialeah, and Boynton Beach. Deerfield Beach isn’t much cheaper.
Deerfield Beach has a higher population density than major Florida cities like Tampa and Orlando. That means more drivers on the road per square mile, increasing the risk of collisions and driving up insurance rates.
The cities in Florida with the cheapest car insurance tend to be in the Panhandle and along the Gulf Coast, including Venice, Milton, and Panama City.
The table below breaks down average monthly car insurance quotes across Florida.
City | Average Monthly Quote |
|---|---|
| Apopka | $188 |
| Boca Raton | $216 |
| Boynton Beach | $255 |
| Cape Coral | $170 |
| Clearwater | $175 |
| Davenport | $188 |
| Daytona Beach | $176 |
| Deerfield Beach | $229 |
| Deltona | $198 |
| Fort Lauderdale | $221 |
| Fort Myers | $180 |
| Gainesville | $157 |
| Hialeah | $242 |
| Jacksonville | $187 |
| Jupiter | $165 |
| Lakeland | $176 |
| Largo | $174 |
| Melbourne | $163 |
| Miami | $242 |
| Miami-Gardens | $267 |
| Milton | $152 |
| Naples | $164 |
| Ocala | $170 |
| Orlando | $208 |
| Palm Bay | $166 |
| Palm Beach Gardens | $202 |
| Panama City | $151 |
| Pensacola | $165 |
| Pompano Beach | $224 |
| Port Orange | $151 |
| Riverview | $216 |
| Saint Petersburg | $187 |
| Sanford | $180 |
| Sarasota | $160 |
| Spring Hill | $198 |
| Tallahassee | $171 |
| Tampa | $238 |
| Venice | $135 |
| West Palm Beach | $224 |
| Winter Haven | $180 |
Deerfield Beach car insurance is among the most expensive in Florida for several reasons:
High risk of fatal collisions: The average crash death rate in Broward County is 63.9 deaths per 100,000 people, according to the Broward Metropolitan Planning Organization’s State of the System report. By comparison, the Insurance Institute for Highway Safety reports a U.S. average of only 11.5 deaths per 100,000 people.[6] I-95 is the deadliest road corridor in the county.
Reckless driving: In 2024, the Deerfield Beach City Commission reviewed data from the Broward Sheriff’s Office. The analysis found that nearly 43% of crashes involved reckless driving. Distracted driving and speeding were also top concerns.
Flood risks: Many parts of Deerfield Beach are in Special Flood Hazard Areas, where hurricanes and heavy rainfall can increase the risk of vehicle flood damage.
Vehicle theft rate: Broward County ranks 37th nationally in motor vehicle theft volume, according to Insurify data. As one of Florida’s most populous counties, Broward County has a large number of vehicles. This may contribute to a higher vehicle theft rate.
*Quotes generated for Insurify users in and around Deerfield Beach, Florida within the last 10 days. Last updated on October 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Deerfield Beach, Florida within the last 10 days. Last updated on October 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
You’ll likely find cheap Deerfield Beach car insurance if you have a clean driving record. Speeding tickets, at-fault accidents, and driving under the influence (DUI) convictions typically lead to higher rates.
Here are the cheapest insurers in Deerfield Beach for different driving records.
Cheapest car insurance for Deerfield Beach drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Deerfield Beach: State Farm
Cheapest car insurance for Deerfield Beach drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Deerfield Beach: State Farm
Roughly 3% of Deerfield Beach drivers have a speeding ticket, and 4.19% have an at-fault accident, according to Insurify data. Both percentages are similar to the Florida state average.
Fewer than 1% of Deerfield Beach drivers have a DUI. By comparison, about 2.80% of Riverview drivers have DUIs. That’s roughly five times the share in Deerfield Beach.
The table below shows average monthly car insurance quotes in Deerfield Beach by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $229 |
| Speeding ticket | $265 |
| At-fault accident | $289 |
| DUI | $294 |
Here’s what to know about driving in Deerfield Beach:
SW 10th Street Connector Project: Construction work on the SW 10th Street Connector Project is expected to continue through 2032.[7] The project aims to ease congestion by separating regional highway traffic from local Deerfield Beach traffic. Drivers can expect periodic traffic delays and lane shifts while work is underway.
Tourist season: Deerfield Beach sees an influx of tourists from mid-December to April. This adds even more traffic to an already congested, densely populated city.
Heavy rain and street flooding: Heavy rainstorms, tropical storms, and hurricanes can cause street flooding in Deerfield Beach.
RedSpeed cameras: Deerfield Beach uses RedSpeed cameras to monitor speed, particularly in school zones. Always follow the posted speed limit and slow down for school zones.
Traffic congestion on I-95 and other major roads can lead to frequent collisions in Broward County. This is a core reason car insurance is so expensive in Deerfield Beach and surrounding cities.
Other traffic factors affecting high car insurance rates in Deerfield Beach include:
Increased tourism traffic in the winter
An average commute time of nearly 30 minutes
The city uses RedSpeed cameras to enforce speed limits in school zones
The cheapest car insurance for teen drivers in Deerfield Beach is State Farm, at an average of $182 per month for liability-only coverage.
In 2023, Broward County recorded a rate of 48.5 crashes per 1,000 drivers ages 15–19. This was slightly lower than the Florida average of 50.8, according to data from FL Health CHARTS.
The table below shows the cheapest liability-only rates for teenage drivers in Deerfield Beach.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Clearcover | $166 |
| State Farm | $182 |
| Progressive | $186 |
| GEICO | $194 |
| Embark | $218 |
| Mile Auto | $231 |
| Dairyland | $245 |
| GAINSCO | $247 |
| Allstate | $249 |
| The General | $272 |
| Mercury | $274 |
| Direct Auto | $276 |
| Bristol West | $281 |
| Insurify Car | $287 |
| Root | $298 |
| AssuranceAmerica | $324 |
| National General | $348 |
| Travelers | $402 |
| Hugo | $409 |
| First Acceptance | $431 |
| Mendota | $464 |
| Liberty Mutual | $464 |
Check quotes from 120+ top insurance companies
Deerfield Beach has a high proportion of residents ages 65 or older (23.3%). This is notably higher than the U.S. average of 16.8%, according to the U.S. Census Bureau.
State Farm has the cheapest car insurance for senior drivers in Deerfield Beach, at an average of $79 per month for a liability-only policy.
The table below shows the cheapest liability-only rates for drivers in their 60s in Deerfield Beach.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $79 |
| GEICO | $92 |
| Mile Auto | $94 |
| Clearcover | $97 |
| Progressive | $102 |
| Embark | $119 |
| Direct Auto | $124 |
| Mercury | $128 |
| Dairyland | $130 |
| GAINSCO | $130 |
| AssuranceAmerica | $132 |
| Allstate | $136 |
| The General | $138 |
| Bristol West | $143 |
| National General | $149 |
| Insurify Car | $156 |
| Travelers | $167 |
| Root | $197 |
| Hugo | $223 |
| First Acceptance | $235 |
| Liberty Mutual | $237 |
| Mendota | $253 |
Find answers to your questions about car insurance in Deerfield Beach.
The average monthly cost of car insurance in Deerfield Beach is $192 for liability-only coverage and $266 for full coverage. To find cheaper car insurance in Deerfield Beach, try bundling your home and auto insurance or renters insurance, or choosing a higher deductible.
State Farm offers the cheapest coverage for Deerfield Beach drivers. On average, a liability-only policy costs $99 per month. State Farm typically offers low full-coverage rates in Deerfield Beach, Florida, averaging $155 monthly.
The cheapest car insurance for senior drivers in Deerfield Beach, Florida, is State Farm, with an average monthly rate of $79.
To get the best car insurance quotes in Deerfield Beach, compare rates from multiple insurers using a car insurance comparison site. Or you can get a quote from a Florida-based, independent agent. Licensed agents can help you find the most affordable car insurance products in Deerfield Beach from a pool of insurers.
The minimum auto insurance coverage required in Florida is $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). Florida doesn’t require drivers to carry bodily injury liability coverage.
Insurify data scientists analyzed more than 250 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:
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Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
Timothy has covered the insurance market for 15 years. He‘s also the editorial director of a niche travel magazine.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
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.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
