Best Cheap Auto Insurance in Fort Lauderdale, Florida (2024)

Even the cheapest car insurance rates in Fort Lauderdale tend to be more expensive than other major cities throughout Florida.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 6+ years writing about insurance, travel, and personal finances

  • Contributor to brands like Credible

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated March 1, 2024 at 11:00 AM PST

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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 $474 a month for full coverage and $431 a month for liability only. Even though car insurance rates in Fort Lauderdale are expensive compared to many other Florida cities, you can still find affordable coverage for your needs.

Quick Facts
  • Fort Lauderdale car insurance rates are 6% more expensive than statewide rates.

  • Broward County, where Fort Lauderdale is located, reported more crashes in 2022 than most Florida counties, which can lead to higher auto insurance rates.[2]

  • Florida’s minimum auto insurance requirements are comparatively much lower than other states’ requirements.

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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.

Best temporary car insurance: Hugo

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
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
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.
$89/mo

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

Can’t get anyone to help me with my issues.

Melissa - October 24, 2023
Verified

Excellent price.

Ingrid - October 11, 2023
Verified

They have been honest.

Jason - September 24, 2023
Verified
Read our Hugo review

Best insurance for senior drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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++
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.
$92/mo

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 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 A.M. Best financial strength rating

  • Multiple discounts for senior drivers in Florida

Cons
  • Low customer service ratings on Trustpilot

  • Gap insurance not available

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurance for drivers with tickets, accidents, and DUIS: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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++
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.
$94/mo

Accidents — 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, you’ll be pleased to see that 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

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

Cheapest liability-only car insurance in Fort Lauderdale

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

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Mile Auto154
Safeco159
Travelers164
Mercury171
Liberty Mutual183
Direct Auto186
Progressive210
Infinity225
Dairyland250
AssuranceAmerica269
Bristol West324
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Fort Lauderdale

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. However, the majority of companies offer full-coverage policies that include liability, collision, and comprehensive coverages.

Drivers who want reimbursement for flood or weather damage to their cars may want to choose a full-coverage policy. Michael DeLong, research and advocacy associate at the Consumer Federation of America, notes that unusual weather events can happen at any time, especially because of shifting patterns due to climate change.

“Comprehensive auto insurance policies cover weather damage to your car,” DeLong says. “If you are concerned about that, you should get a permanent comprehensive policy.”

Here are the cheapest car insurance companies for full-coverage policies in Fort Lauderdale.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm92
GEICO94
Allstate160
Travelers194
Mercury202
Mile Auto216
Safeco218
Infinity253
Liberty Mutual277
Direct Auto288
Progressive299
National General362
AssuranceAmerica363
Dairyland443
Bristol West463
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Florida

Florida is unique in that it’s an at-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]

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Personal injury protection (PIP)

    $10,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/9ffcc07fc9/damage-from-aircraft.svg

    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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    This 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.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Glass coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    This 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.

Learn More: How Much Car Insurance Do You Need?

Learn More: How Much Car Insurance Do You Need?

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.

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Cheapest car insurance for drivers with a speeding ticket

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]

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 are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm105
GEICO109
Allstate186
Travelers229
Mercury272
Safeco275
Mile Auto294
Infinity312
Liberty Mutual349
Direct Auto350
Progressive363
National General423
AssuranceAmerica459
Dairyland533
Bristol West548
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

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. If you’re involved in an at-fault accident or have one on your driving record, check out the cheapest car insurance companies in Fort Lauderdale for your situation below.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm113
GEICO118
Allstate200
Travelers245
Mercury291
Safeco300
Infinity314
Mile Auto318
Liberty Mutual374
Direct Auto377
Progressive391
National General460
AssuranceAmerica481
Dairyland566
Bristol West576
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

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 below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm139
GEICO142
Allstate242
Travelers293
Mercury310
Mile Auto326
Safeco329
Infinity382
Liberty Mutual418
Direct Auto435
Progressive451
National General547
AssuranceAmerica548
Dairyland669
Bristol West699
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

People age 65 and older make up 18% of Fort Lauderdale’s population, and many may notice that their auto rates have increased around the age of 75.[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]

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

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm55
GEICO60
Allstate106
Travelers126
Mercury146
Mile Auto147
Progressive156
Safeco167
Direct Auto185
Liberty Mutual185
AssuranceAmerica229
National General273
Dairyland312
Bristol West315
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

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] But 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 are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
GEICO137
State Farm146
Allstate261
Travelers325
Mercury347
Safeco363
Mile Auto384
Liberty Mutual436
Infinity441
Direct Auto489
Progressive497
AssuranceAmerica642
National General643
Dairyland663
Bristol West712
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Shop for Cheap Auto Insurance in Fort Lauderdale

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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 scores in determining your premiums. However, 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 tend to provide drivers who have excellent or good credit scores with lower rates and give higher rates to those with poor credit scores.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Fort Lauderdale?

The average cost of car insurance in Fort Lauderdale is $474 a month for full-coverage policies, which is 6% higher than the state average and 87% higher than nationwide averages.

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. However, some cities may only be slightly cheaper and still fall above the Florida state average of $445 per month for a full-coverage policy.

Here’s how Fort Lauderdale’s average full-coverage rates compare to the rest of the state.

CityAverage Monthly QuoteCompared to Fort Lauderdale
Fort Myers$382-19%
Hollywood$459-3%
Jacksonville$457-4%
Kissimmee$457-3%
Lakeland$446-6%
Miami$5097%
Ocala$388-18%
Orlando$4750%
Pompano Beach$466-2%
St. Petersburg$447-6%
Tampa$55717%
West Palm Beach$52711%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Fort Lauderdale car insurance FAQs

Learn more about Florida’s average car insurance costs and how they compare to Fort Lauderdale’s. Here are the answers to common questions about Fort Lauderdale car insurance.

  • How much is car insurance in Fort Lauderdale?

    The average cost of car insurance in Fort Lauderdale is $474 a month for full coverage and $431 a month for liability only.

  • What are the best car insurance companies in Fort Lauderdale?

    Some of the best car insurance companies in Fort Lauderdale include State Farm and GEICO. These two companies have high Insurify Quality Scores, above-average J.D. Power customer satisfaction ratings in Florida, and strong A.M. Best financial strength ratings.[10] The best auto insurer in the city for you will depend on your unique situation, coverage needs, and driving history, which is why you should always compare quotes from multiple insurers.

  • How much is car insurance per month in Florida?

    Car insurance in Florida costs an average of $445 a month for full-coverage policies, according to Insurify data. In comparison, Fort Lauderdale’s average cost for full coverage is $474 a month.

  • Do you need 100/300 auto insurance in Florida?

    No. Florida only requires $10,000 per accident in personal injury protection and $10,000 per accident in property damage liability.[3] These minimums are extremely low compared to other states and don’t include bodily injury liability coverage, so you may benefit from higher limits for more protection on the road.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. City of Fort Lauderdale. "Climate and Weather in Fort Lauderdale." Accessed June 28, 2023
  2. Florida Department of Highway Safety and Motor Vehicles. "Crash Dashboard." Accessed June 28, 2023
  3. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements." Accessed June 28, 2023
  4. III. "Do auto insurance premiums go up after a claim?." Accessed June 28, 2023
  5. NHTSA. "Speeding and Aggressive Driving Prevention." Accessed June 28, 2023
  6. U.S. Census Brueau. "Quick Facts: Fort Lauderdale city, Florida." Accessed June 28, 2023
  7. III. "Senior driving safety and insurance tips." Accessed June 28, 2023
  8. III. "What determines the price of an auto insurance policy?." Accessed June 28, 2023
  9. The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.." Accessed June 28, 2023
  10. J.D. Power. "2023 U.S. Auto Insurance Study." Accessed June 28, 2023
Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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