120+ more*Quotes generated for Insurify users in and around Fort Lauderdale, Florida within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fort Lauderdale, Florida within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Fort Lauderdale drivers pay an average of $165 per month for liability coverage and $256 for full coverage, Insurify data shows. That’s well above the Florida state average of $136 per month for liability coverage and $234 per month for full coverage.
By comparison, in nearby Miami, drivers pay even more, at $175 monthly for liability coverage and $282 monthly for full coverage. Meanwhile, just south of Fort Lauderdale, Pompano Beach has comparable average rates of $166 per month for minimum coverage and $252 monthly for full coverage.
Fort Lauderdale’s dense coastal population and risk of hurricanes help explain why rates here top the state average. More than 190,000 residents live in the city’s 35 square miles of low-lying coastline, which experienced direct hits from Hurricane Wilma in 2005 and Hurricane Irma in 2017.[1] [2]
Minimum coverage starts as low as $86/mo.
Progressive offers the cheapest liability car insurance in Fort Lauderdale, at $86 per month, while State Farm has the lowest full-coverage rates, at $149 per month.
Because Florida is a no-fault state, it requires drivers to buy just $10,000 in personal injury protection (PIP) and $10,000 in property damage liability. The state doesn’t require drivers to buy bodily injury liability coverage, since each driver’s PIP pays for their own injuries.
About 37% of Fort Lauderdale drivers finance or lease their vehicles, according to Insurify data. Those drivers’ lenders likely require full coverage with a specific deductible.
The following table shows the cheapest liability-only and full-coverage rates from top insurers for Fort Lauderdale drivers.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Progressive | $86 | $160 |
| State Farm | $92 | $149 |
| Mile Auto | $93 | $174 |
| Clearcover | $95 | $233 |
| GEICO | $105 | $211 |
| Dairyland | $111 | $356 |
| Embark | $118 | $284 |
| Infinity | $120 | $258 |
| Mercury | $133 | $205 |
| Direct Auto | $135 | $232 |
| GAINSCO | $136 | $319 |
| The General | $143 | $273 |
| Bristol West | $155 | $246 |
| Allstate | $159 | $258 |
| AssuranceAmerica | $161 | $293 |
| National General | $163 | $218 |
| Root | $167 | $307 |
| Travelers | $190 | $307 |
| Mendota | $251 | $394 |
| First Acceptance | $258 | $380 |
| Liberty Mutual | $261 | $339 |
While Fort Lauderdale’s average rates exceed the state average, it’s far from the most expensive city for car insurance in Florida.
Miami has the highest average car insurance rates among major Florida cities, at $229 per month. But rates are highest in Miami’s suburb, Hialeah, where the overall monthly average is $230 per month.
Fort Lauderdale’s location on Florida’s Atlantic coast puts vehicles at higher risk for storm and flood damage. The city also has a high rate of vehicle-related crime. In 2025, city police logged more than 2,500 cases of theft from vehicles and motor vehicle thefts.[3] Both factors contribute to the city’s higher-than-average car insurance premiums.
Here’s how Fort Lauderdale car insurance rates compare to other Florida cities.
City | Average Monthly Quote |
|---|---|
| Apopka | $187 |
| Cape Coral | $163 |
| Clearwater | $172 |
| Davenport | $183 |
| Daytona Beach | $173 |
| Fort Lauderdale | $211 |
| Fort Myers | $172 |
| Gainesville | $152 |
| Jacksonville | $180 |
| Jupiter | $159 |
| Lakeland | $171 |
| Melbourne | $157 |
| Miami | $229 |
| Naples | $160 |
| Ocala | $163 |
| Orlando | $200 |
| Palm Bay | $163 |
| Panama City | $147 |
| Pensacola | $158 |
| Pompano Beach | $209 |
| Riverview | $210 |
| Saint Petersburg | $181 |
| Sarasota | $151 |
| Spring Hill | $191 |
| Tallahassee | $161 |
| Tampa | $231 |
| West Palm Beach | $213 |
| Winter Haven | $175 |
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When you drive in Fort Lauderdale, you need to be aware of the local road conditions and weather hazards that can affect your travels and your vehicle. Sitting between the Atlantic Ocean and the Everglades, the city faces flood risks due to the area’s many canals and low coastal elevation.
Many residents live in or near a Special Flood Hazard Area, according to the City of Fort Lauderdale.[4] If you live near a hazard area, you might consider getting comprehensive coverage, which can pay for water damage to your vehicle, as well as homeowners insurance or renters insurance for your personal belongings.
The amount of time Fort Lauderdale drivers spend in traffic also affects the area’s car insurance costs. Congestion is heavy along Interstate 95, especially near the I-595 interchange. At certain times of year, tourists and cruise passengers coming through Port Everglades bring even more traffic to the roads. Fort Lauderdale commuters spend about 26 minutes getting to work, according to U.S. Census Bureau data.
Local drivers also face a higher-than-average vehicle theft rate. Broward County recorded 2,195 vehicle thefts in the first half of 2025, the second highest of any Florida county behind Miami-Dade, according to Insurify data.
Fort Lauderdale drivers also must account for uninsured drivers. About 21% of Florida drivers are uninsured, so adding uninsured motorist coverage to your insurance policy may make sense.
Your driving record and overall driving history are among the biggest factors affecting what you pay for auto insurance in Fort Lauderdale. Insurify data shows that 2.7% of Fort Lauderdale drivers have a speeding ticket, 4% have an at-fault accident, and 0.6% have a driving under the influence (DUI) conviction.
Florida is a no-fault state, which means your PIP coverage pays for 80% of your medical expenses after a crash. But insurers could label drivers who cause accidents in Florida as high risk and raise their rates.
The table below compares the average auto insurance quotes Fort Lauderdale drivers receive based on their driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $211 |
| Speeding ticket | $246 |
| At-fault accident | $269 |
| DUI | $277 |
Car insurance rates in Fort Lauderdale vary significantly by age groups. In Florida, teen drivers can get a learner’s permit at 15 and a restricted license at 16. Teen drivers in Fort Lauderdale pay an average of $436 per month for full coverage and $281 monthly for liability-only coverage.
About 20% of Fort Lauderdale’s population is aged 65 or older, according to U.S. Census Bureau data. Senior drivers pay $231 per month, on average, for full-coverage auto insurance and $149 per month for minimum coverage.
Compare the cheapest rates for Fort Lauderdale drivers by age below.
Age | Average Monthly Quote |
|---|---|
| Teens | $333 |
| 20s | $236 |
| 30s | $209 |
| 40s | $201 |
| 50s | $185 |
| 60s | $172 |
| 70+ | $181 |
*Quotes generated for Insurify users in and around Fort Lauderdale, Florida within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fort Lauderdale, Florida within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Below are answers to common questions about finding affordable car insurance that Fort Lauderdale drivers ask, including average costs and ways to save.
The overall average car insurance quote in Fort Lauderdale is $211 per month, compared to the Florida statewide average of $185 per month.
Progressive offers the cheapest liability car insurance in Fort Lauderdale, at $86 per month. For full coverage, State Farm has the most affordable car insurance in Fort Lauderdale, at $149 per month.
Progressive is generally cheaper than GEICO in Fort Lauderdale. A Progressive liability insurance policy averages $79 per month, while GEICO’s average cost is $91 per month. Talk to your agent to find out about other auto insurance products and insurance discounts you may qualify for to reduce your premiums.
Hurricane exposure, a 20.6% uninsured driver rate, and heavy traffic in cities like Fort Lauderdale and Miami are a few reasons why Florida’s overall average car insurance rate of $185 per month is above the national average of $142 per month.
No. Florida doesn’t require boat owners to buy boat insurance. But if you finance your boat, your lender might require it. Many marinas also require proof of liability insurance before you can dock your boat.
Factors like good credit, choice of coverage options, and state insurance requirements affect car insurance rates everywhere. In Fort Lauderdale, the city’s exposure to weather damage and comparatively high rate of vehicle crimes also affect car insurance rates in the area.
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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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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