Cheapest Auto Insurance in Fort Lauderdale, Florida (2026)

Located on Florida’s eastern coast, Fort Lauderdale is prone to severe weather events like hurricanes, tropical storms, flooding, and heavy rainfalls.^[1] This increased risk of property damage can lead to increased car insurance rates.

The average rate of car insurance in Fort Lauderdale is $222 per month for full coverage and $186 per month for liability-only coverage. This is much higher than the national averages of $99 for liability coverage and $173 for full coverage.

Even though car insurance rates in Fort Lauderdale are expensive, you can still compare quotes to find affordable coverage for your needs.

3 of the cheapest car insurance companies in Fort Lauderdale 

Finding the right auto insurance company in Fort Lauderdale for your needs isn’t as simple as finding the cheapest policy. Depending on your budget, driving habits, and coverage needs, the right insurer for you might be one that offers significantly more value for a slightly higher cost than the lowest-priced offer.

Compare how the three following insurers provide coverage ideal for different drivers in Fort Lauderdale.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
Hugo	6.3	N/A	$202	Temporary coverage
State Farm	9.3	$116	$106	Senior drivers
GEICO	9.2	$179	$158	Drivers with incidents

Disclaimer: Table data sourced from real-time Fort Lauderdale car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Lauderdale may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for temporary coverage: Hugo

Temporary Coverage

Compare Quotes

User Reviews	4.5 65 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	6.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$202/mo

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Driver Reviews

4.5

Best choice in Fort Lauderdale, FLBased on 197 verified driver reviews and ratings

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

Best in Fort Lauderdale for

Micropayments

No down payments

Fast coverage

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

Best in Fort Lauderdale for

Micropayments

No down payments

Fast coverage

Showing recent national reviews - See all 65 Hugo reviews

Quincy

Verified Purchase

Great news

Reviewed in Pennsylvania on March 18, 2026

I like it, and it’s much easier to use the app to add cars than talking on the phone and waiting for your card to come in the mail.

Angela

Verified Purchase

Affordable

Reviewed in Texas on February 2, 2026

Love that you can pay it freely by the day, week, or month.

Theola

Verified Purchase

Awesome and Affordable

Reviewed in Illinois on February 1, 2026

Awesome price with coverage.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Hugo is a tech-forward insurer offering limited insurance products across multiple states, including Florida. Fort Lauderdale drivers can take advantage of its low liability-only policies, though drivers who want the insurer’s Flex plan are out of luck, as it isn’t available in Florida. The ability to turn coverage on and off online and buy coverage for as little as three days is convenient and streamlined. As a bare-minimum insurer, Hugo can check all your boxes.

Pros

• Offers temporary car insurance to infrequent drivers

• Flexible payment options

Cons

• Limited customized coverage options

• Flex plan not available in Florida

Best insurer for senior drivers: State Farm

Senior Drivers

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User Reviews	4.0 7,246 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$131/mo

Show Details

Driver Reviews

4.0

Best choice in Fort Lauderdale, FLBased on 16,176 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Fort Lauderdale for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Fort Lauderdale for

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Florida reviews for Fort Lauderdale drivers - See all 7,246 State Farm reviews

Susan

Verified Review

It's been great

Reviewed in Florida on March 17, 2026

They're great, but a little expensive.

Nancy

Verified Review

Excellent

Reviewed in Florida on March 16, 2026

Excellent customer service.

Nannette

Verified Review

Review

Reviewed in Florida on March 13, 2026

Last year was okay, but I have not received my bill for this year. If it keeps going up, I will have to find another insurer. I am a senior on Social Security.

Sandrs

Verified Review

Five Star Insurance Agency

Reviewed in Florida on March 11, 2026

Noelle is five-star excellent in every way and totally represents State Farm.

Sally

Verified Review

Frustrated with Insurance Companies

Reviewed in Florida on March 9, 2026

Car insurance, so far, is fine with State Farm. It's the homeowners policies I'm frustrated about. State Farm is higher priced and after about 40 years of paying them, when I needed help for the first time, they paid and then dropped me. Not okay!

Gary

Verified Review

Good customer service

Reviewed in Florida on March 8, 2026

Raised my rates without explaining why.

John

Verified Review

Price

Reviewed in Florida on March 7, 2026

You need to search the internet every 6 months as every auto insurer is raising prices differently.

Tajmahl

Verified Review

Rip-off

Reviewed in Florida on March 4, 2026

Not great, but better than $300 a month.

Rosemary

Verified Review

Too Expensive

Reviewed in Florida on March 1, 2026

Very expensive. I've been with State Farm for over 40 years with no claims, and they are still raising rates on me.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Whether you’re a seasoned professional, enjoying retirement, or taking advantage of your winter home in South Florida, senior drivers in Fort Lauderdale should consider State Farm. With some of the lowest average rates available for senior drivers, State Farm is a great option for full-coverage policy needs. It rewards safe drivers with discounts, allowing senior drivers to save more thanks to their years of driving experience.

Pros

• Strong AM Best financial strength rating

• Multiple discounts for senior drivers in Florida

Cons

• Low customer service ratings on Trustpilot

• Gap insurance not available

Best insurer for drivers with incidents: GEICO

Drivers With Incidents

Compare Quotes

User Reviews	3.9 7,480 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$204/mo

Show Details

Driver Reviews

3.9

A solid option in Fort Lauderdale, FLBased on 16,435 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Fort Lauderdale for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Fort Lauderdale for

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 Florida reviews for Fort Lauderdale drivers - See all 7,480 GEICO reviews

Patricia

Verified Purchase

I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.

Reviewed in Florida on March 12, 2026

I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.

John

Verified Review

GEICO, Best Insurance

Reviewed in Florida on March 9, 2026

Cheapest in Florida hands down. I’ve tried to get coverage from other carriers and they can’t beat it.

Gerald

Verified Review

Auto Tesla

Reviewed in Florida on March 9, 2026

Great service.

Harley

Verified Review

Too expensive

Reviewed in Florida on March 9, 2026

I have not had any issues with Progressive. They are definitely cheaper than GEICO.

Andrzej

Verified Review

Lack of contact with agent is a big minus.

Reviewed in Florida on March 8, 2026

I am using the GEICO app and constantly getting messages asking me to install this app. Lately, they asked me to pay $7 (and some change) for something I don’t understand. It's impossible to find a phone agent to ask for an explanation.

Zaqueo

Verified Review

Happy

Reviewed in Florida on March 8, 2026

They have good prices and good customer service.

Mary

Verified Review

No contact with a human to answer questions.

Reviewed in Florida on March 8, 2026

I have attempted to reduce my costs because I don’t drive more than 50 miles a week. No one responds.

Roger

Verified Review

Raising rates for no reason other than greed

Reviewed in Florida on March 5, 2026

Rates just kept going up and up for no reason. Just corporate greed. Progressive is even worse. Dropping Progressive currently. Found insurance for $60 a month less with a lesser-known company.

John

Verified Review

Discounts for Auto Insurance

Reviewed in Florida on March 4, 2026

All was good until my policy lapsed for two or three days because I was in the hospital. Then, all of a sudden, my insurance jumped forty dollars a month, and it has remained there for some time. I feel like I am not getting the discounts that I should be receiving. I have had no tickets or accidents in over five years, yet I'm still paying a very high price for the cheapest insurance I could get. I shop all the time for insurance because I feel that Geico is not offering me the best deal.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Driving incidents — including at-fault accidents and speeding tickets — happen. If you’re a Fort Lauderdale driver with an accident, ticket, or even a DUI on your record, GEICO offers some of the lowest average rates available in the city. The DriveEasy app can provide an opportunity to lower these rates by showing how responsible of a driver you are despite past driving mistakes. Although GEICO states that a claim won’t necessarily increase premiums, your prior history will likely incur a rate increase for new claims.

Pros

• Offers FR-44 filings

• Lower average rates than competitors

Cons

• DriveEasy app could increase premiums based on risky driving habits

• Accident forgiveness only applies to first accidents

How to get the cheapest car insurance in Fort Lauderdale

Whether you’re at an age when rates are higher or have a few incidents on your record, you can lower your car insurance premiums in multiple ways. Here’s how to get affordable car insurance for your situation in Fort Lauderdale:

• Raise your deductible. By offering to pay more out of pocket during a claim, your insurer has less financial responsibility and may lower your premium. Just be sure you have enough tucked away to pay the up-front deductible.

• Ask about discounts. Most insurers offer discounts to drivers of all backgrounds, including those who maintain clean driving records, complete driver education courses, or have certain safety features on their vehicles. Contact a car insurance agent to see what common discounts you’ll likely qualify for.

• Bundle your policies. Some insurers offer lower rates to policyholders who buy multiple policies, like renters or home insurance, with your auto insurance.

• Shop and compare. One of the best ways to find cheap car insurance is to get at least three quotes from different insurers for the same coverage level and compare them to find the lowest rate.

Find Cheap Coverage in Fort Lauderdale

Liability rates start at $121 per month

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4.7 out of 5 based on 12,752 reviews

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Cheapest liability-only car insurance in Fort Lauderdale: State Farm

No matter how often you drive, you need to buy the state’s minimum insurance limits, which insurers refer to as liability-only policies. These policies cover expenses for injuries and damages you cause to another person or property.

Because liability-only policies provide fewer coverages compared to other policy types, they’re typically cheaper and best for drivers who want absolute minimum coverages. The average rate for liability coverage in Fort Lauderdale is $186 per month.

The table below shows the cheapest auto insurers in Fort Lauderdale for liability-only coverage.

The below rates in Fort Lauderdale, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$121
Mile Auto	$147
Progressive	$160
GAINSCO	$164
Direct Auto	$177
Mercury	$180
GEICO	$182
The General	$196
Bristol West	$201
Infinity	$202
National General	$207
AssuranceAmerica	$209
Allstate	$211
Travelers	$251
Root	$258
Liberty Mutual	$371

Disclaimer: Table data sourced from real-time Fort Lauderdale car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Lauderdale may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Fort Lauderdale: State Farm

While liability-only coverage protects the damages that an at-fault driver causes, some Fort Lauderdale drivers may want additional coverage that pays for damage to their vehicles.

Full-coverage policies aren’t exactly the same from insurer to insurer. But the majority of companies offer full-coverage policies that include liability, collision, and comprehensive coverages. Full-coverage policies are more expensive than liability-only policies because of these extra coverages. The average rate for full coverage in Fort Lauderdale is $222 per month.

Drivers who want reimbursement for flood or weather damage to their cars may want to choose a full-coverage policy. Here are the cheapest car insurance companies for full-coverage policies in Fort Lauderdale.

The below rates in Fort Lauderdale, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$131
Mile Auto	$192
GEICO	$204
Progressive	$209
Mercury	$218
Allstate	$230
Direct Auto	$240
National General	$241
Travelers	$273
Bristol West	$275
The General	$292
Infinity	$297
GAINSCO	$307
AssuranceAmerica	$333
Root	$336
Liberty Mutual	$372

Disclaimer: Table data sourced from real-time Fort Lauderdale car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Lauderdale may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Florida

Florida is unique in that it’s a no-fault state, so all Fort Lauderdale drivers have to carry personal injury protection (PIP) insurance. PIP coverage pays for damages and injuries to the policyholder no matter who was at fault for the accident.

Along with a minimum PIP limit, drivers must also hold a minimum limit of property damage liability insurance. Florida’s minimum car insurance requirements are as follows:^[3]

• 

  Personal injury protection (PIP)

  $10,000 per accident

• 

  Property damage liability

  $10,000 per accident

Because Florida’s minimum insurance requirements are so limited compared to other state requirements, it’s probably not enough to cover the full extent of your damages and injuries after an accident. Fort Lauderdale drivers should consider adding these optional coverages to their policies for more protection:

• 

  Comprehensive coverage

  Comprehensive insurance covers damages from non-accident events, like weather events, falling objects, flooding, and theft. Insurify recommends Fort Lauderdale drivers add this to their policies since they live in a coastal region prone to severe weather.

• 

  Collision coverage

  Collision insurance applies when you damage your vehicle in a collision, either with another car or a stationary object, even if you’re at fault.

• 

  Glass coverage

  This pays for repairs or replacements of your windshield, rear and side windows, and sunroofs.

• 

  Gap coverage

  Gap insurance pays the remaining balance between your auto loan and the actual value of your car after a total loss.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage pays for the expenses resulting from an at-fault accident by a driver who’s not insured or doesn’t have the level of insurance needed to cover your damages or injuries.

Cheapest car insurance for drivers with an incident

While most drivers understand that at-fault accidents will raise their premium, some don’t realize that other incidents, including moving violations, can also affect how much you pay for car insurance in Fort Lauderdale. These incidents include speeding tickets and driving under the influence.

These marks on your driving record make you a high-risk driver, and insurance companies offset their risk by increasing your rates.^[4] Furthermore, a DUI conviction can result in an FR-44 insurance requirement, which will almost certainly mean higher rates.

Shop for Auto Insurance in Fort Lauderdale

Monthly rates start at $145 for drivers with an incident

Enter your ZIP codeSee My Quotes

Excellent

4.7 out of 5 based on 12,752 reviews

Secure. Free. Easy-to-use.

Cheapest car insurance for drivers with a speeding ticket: State Farm

Fort Lauderdale drivers may wonder why a speeding ticket can increase their rates if no damage is done and no claim is filed. Because speed is a contributing factor in many fatal car crashes, insurance companies consider a speeding ticket proof of risky driving behaviors.^[5]

Drivers with a ticket in Fort Lauderdale pay an average of $216 per month for liability coverage. But even though your rates may increase after a speeding ticket, you can start your search for affordable car insurance with the following companies.

The below rates in Fort Lauderdale, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$121	$148
Mile Auto	$147	$173
Progressive	$160	$186
GAINSCO	$164	$188
Direct Auto	$177	$213
Mercury	$180	$243
GEICO	$182	$229
The General	$196	$253
Bristol West	$201	$244
Infinity	$202	$248
National General	$207	$248
AssuranceAmerica	$209	$256
Allstate	$211	$265
Travelers	$251	$314
Root	$258	$332
Liberty Mutual	$371	$455

Disclaimer: Table data sourced from real-time Fort Lauderdale car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Lauderdale may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Of the approximately 393,000 crashes that occurred in Florida in 2022, about 9% happened in Broward County, where Fort Lauderdale is located. Only Miami-Dade County had more reported crashes on its roadways.^[2]

At-fault accidents happen, even when you’re driving as responsibly as possible, and most result in an insurance increase. Fort Lauderdale drivers with an accident pay $235 per month for liability coverage, on average.

Here you can check out the cheapest car insurance companies in Fort Lauderdale for drivers with an accident on their record.

The below rates in Fort Lauderdale, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$121	$156
Mile Auto	$147	$194
Progressive	$160	$202
GAINSCO	$164	$205
Direct Auto	$177	$236
Mercury	$180	$266
GEICO	$182	$231
The General	$196	$264
Bristol West	$201	$258
Infinity	$202	$255
National General	$207	$269
AssuranceAmerica	$209	$271
Allstate	$211	$276
Travelers	$251	$330
Root	$258	$337
Liberty Mutual	$371	$482

Disclaimer: Table data sourced from real-time Fort Lauderdale car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Lauderdale may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

A DUI can affect your car insurance rates more than other incidents, depending on the severity. Having a DUI on your record can also potentially cause your insurance company to not renew your policy at the end of the policy’s term.^[4]

If this is the case, start your search for cheap car insurance after a DUI with the companies below. If you can’t find an insurer willing to provide coverage, you can also apply for Florida’s assigned risk marketplace. The average monthly rate for Fort Lauderdale drivers with a DUI on their record is $264 for liability coverage, but you can find more rates from top insurers in the table below.

The below rates in Fort Lauderdale, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
State Farm	$121	$176
Mile Auto	$147	$214
Progressive	$160	$227
GAINSCO	$164	$238
Direct Auto	$177	$257
Mercury	$180	$272
GEICO	$182	$261
The General	$196	$285
Bristol West	$201	$292
Infinity	$202	$293
National General	$207	$301
AssuranceAmerica	$209	$304
Allstate	$211	$307
Travelers	$251	$365
Root	$258	$376
Liberty Mutual	$371	$539

Disclaimer: Table data sourced from real-time Fort Lauderdale car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Lauderdale may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

People age 65 and older make up 18% of Fort Lauderdale’s population, and many may notice that their auto rates have increased around age 70.^[6] Monthly car insurance rates tend to decrease for drivers around age 35 then increase in a driver’s 70s due to health issues that can increase the likelihood of an accident.^[7]

Senior drivers in Fort Lauderdale pay an average of $167 per month for liability coverage.

Here are the cheapest car insurance companies for senior drivers in Fort Lauderdale.

The below rates in Fort Lauderdale, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$97	$105
Mile Auto	$118	$154
GAINSCO	$142	$266
Progressive	$144	$188
Direct Auto	$146	$198
Mercury	$147	$178
GEICO	$148	$166
Infinity	$151	$222
National General	$166	$194
AssuranceAmerica	$167	$266
The General	$168	$251
Bristol West	$171	$234
Allstate	$175	$191
Travelers	$205	$223
Root	$220	$287
Liberty Mutual	$316	$317

Disclaimer: Table data sourced from real-time Fort Lauderdale car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Lauderdale may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Teen drivers have a higher rate of fatal crashes than older adults, which is why they often have some of the highest car insurance rates, despite clean driving records.^[8] In Fort Lauderdale, teens pay an average of $322 per month for liability coverage.

Fortunately, teens and young drivers can lower these high premiums. Along with keeping a clean record, teens or parents can ask their insurer about discounts for good grades or for the completion of specific driving courses.

The table below shows the cheapest Fort Lauderdale auto insurance for teens.

The below rates in Fort Lauderdale, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$230	$249
Progressive	$277	$361
GAINSCO	$292	$547
Mile Auto	$296	$387
GEICO	$318	$356
Mercury	$326	$395
Direct Auto	$333	$451
The General	$335	$499
Bristol West	$350	$479
Infinity	$368	$541
Allstate	$409	$446
National General	$411	$478
AssuranceAmerica	$425	$677
Root	$434	$566
Travelers	$511	$556
Liberty Mutual	$638	$640

Disclaimer: Table data sourced from real-time Fort Lauderdale car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Lauderdale may vary based on the policy buyer's unique driver profile.

Fort Lauderdale car insurance quotes by credit tier

Even though it doesn’t have an effect on your driving habits, Florida allows insurers to use your credit history in determining your premiums. But it can’t be the only factor insurance companies consider during the underwriting process.^[9] 

While they’re not the only influence on your rate, insurers generally provide drivers who have excellent or good credit scores with lower rates and give higher rates to drivers with poor credit scores.

Is car insurance more expensive in Fort Lauderdale?

The average cost of car insurance in Fort Lauderdale is $222 per month for full-coverage policies, which is higher than the state average of $204 and the nationwide average of $173.

Car insurance rates vary by city and ZIP code, so cities with lower populations, like Ocala, tend to be cheaper, and areas of similar congestion, such as Miami, are very close in average rate prices.^[8]

More cities in Florida

Compared to other major Florida cities, auto insurance in Fort Lauderdale is often more expensive, on average. But some cities may only be slightly cheaper and still fall above the Florida state average of $204 per month for a full-coverage policy.

Here’s how average rates compare in some other Florida cities.

City	Full Coverage	Liability Only
Cape Coral	$196	$156
Clearwater	$200	$164
Jacksonville	$206	$163
Miami	$260	$204
Ocala	$189	$163
Orlando	$229	$182
Pensacola	$192	$138
Tallahassee	$188	$142
Tampa	$262	$205
Winter Haven	$218	$160

Disclaimer: Table data is based on real-time Fort Lauderdale quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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