Cheapest Auto Insurance in Fort Lauderdale, Florida (2024)

State Farm offers the cheapest car insurance in Fort Lauderdale, with minimum-coverage policies as low as $87 per month.

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 June 13, 2024

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Cheapest recent rates near Fort Lauderdale, Florida

Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $87/mo for full coverage in Fort Lauderdale and other Florida cities.

*Quotes generated for Insurify users in and around Fort Lauderdale, Florida within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $348 per month for full coverage and $264 per month for liability-only coverage. This is much higher than the national averages of $105 for liability coverage and $215 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.

Quick Facts
  • State Farm, GEICO, and Hugo have the cheapest car insurance in Fort Lauderdale.

  • Fort Lauderdale drivers pay a yearly average of $4,180 for full-coverage car insurance.

  • 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]

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 CompanyIQ 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.
Full CoverageLiability OnlyBest For
Hugo3.5$162$77Temporary coverage
State Farm4.6$83$72Senior drivers
GEICO4.4$85$74Drivers with incidents
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.
  • Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for temporary coverage: 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.
3.5
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.
$93/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

Read our Hugo review
Thaddeus - June 3, 2024
Verified

On the Go Insurance

It's flexible, but I would like to speak to a human about issues.

David - May 20, 2024
Verified

Yes

It's the best deal for people like me who rarely go out.

William - May 13, 2024
Verified

Average

The service is average.

Best insurer 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.
4.6
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.
$100/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 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

Read our State Farm review
Laudita - June 13, 2024
Verified

No Consideration at All, They Don't Care About the Years Spent With Them

They doubled my insurance premium without any reason. I haven't had an accident in the last 10 years.

Luisa - June 13, 2024
Verified

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

Daniel - June 13, 2024
Verified

Excellent

I have no complaints. It has been very good.

Best insurer for drivers with incidents: 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.
4.4
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.
$102/mo

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

Read our GEICO review
Joyce - June 13, 2024
Verified

Excellent

Use Geico, they will work with you.

Polly - June 13, 2024
Verified

Very Sad

The rates are too high.

Larry - June 12, 2024
Verified

Poor

The insurance is overpriced.

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 $87 per month

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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 $264 per month.

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

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$87
GEICO$88
Hugo$93
Allstate$149
Safeco$158
Mile Auto$159
Mercury$177
Travelers$178
Liberty Mutual$183
Direct Auto$192
Midvale Home & Auto$210
Progressive$219
Infinity$239
Foremost$253
Dairyland$263
GAINSCO$267
AssuranceAmerica$292
Bristol West$328
National General$369
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: 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 $348 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 are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$100
GEICO$102
Hugo$166
Allstate$173
Safeco$199
Travelers$206
Mercury$212
Mile Auto$219
GAINSCO$279
Liberty Mutual$305
Progressive$312
Midvale Home & Auto$317
Infinity$318
Direct Auto$333
Foremost$379
National General$379
AssuranceAmerica$434
Dairyland$464
Bristol West$478
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 recent rates near Fort Lauderdale, Florida

Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $83/mo for full coverage in Fort Lauderdale and other Florida cities.

*Quotes generated for Insurify users in and around Fort Lauderdale, Florida within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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

    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.

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

    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.

  • 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

    Gap insurance 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

    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.

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.

Shop for Auto Insurance in Fort Lauderdale

Monthly rates start at $101 for drivers with an incident

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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 $315 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 are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$87$102
GEICO$88$104
Hugo$93$117
Allstate$149$175
Safeco$158$189
Mile Auto$159$203
Mercury$177$225
Travelers$178$211
Liberty Mutual$183$240
Direct Auto$192$228
Midvale Home & Auto$210$257
Progressive$219$258
Infinity$239$294
Foremost$253$332
Dairyland$263$312
GAINSCO$267$350
AssuranceAmerica$292$352
Bristol West$328$383
National General$369$424
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: 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 $342 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 are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm$87$110
GEICO$88$112
Hugo$93$114
Allstate$149$189
Safeco$158$194
Mile Auto$159$221
Mercury$177$239
Travelers$178$227
Liberty Mutual$183$255
Direct Auto$192$249
Midvale Home & Auto$210$282
Progressive$219$282
Infinity$239$299
Foremost$253$352
Dairyland$263$333
GAINSCO$267$326
AssuranceAmerica$292$371
Bristol West$328$409
National General$369$467
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: 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 $395 for liability coverage, but you can find more rates from top insurers in the table below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm$87$138
GEICO$88$140
Hugo$93$148
Allstate$149$237
Safeco$158$251
Mile Auto$159$228
Mercury$177$253
Travelers$178$283
Liberty Mutual$183$291
Direct Auto$192$306
Midvale Home & Auto$210$334
Progressive$219$349
Infinity$239$380
Foremost$253$403
Dairyland$263$419
GAINSCO$267$425
AssuranceAmerica$292$465
Bristol West$328$522
National General$369$587
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: Hugo

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 $219 per month for liability coverage.

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

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Hugo$67$119
State Farm$68$78
GEICO$70$81
Allstate$120$139
Mile Auto$121$166
Safeco$128$161
Mercury$134$160
Travelers$140$162
Liberty Mutual$146$243
Direct Auto$149$258
Progressive$157$224
Midvale Home & Auto$160$242
Infinity$181$240
Foremost$198$296
Dairyland$211$372
GAINSCO$219$229
AssuranceAmerica$222$330
Bristol West$263$383
National General$296$304
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: GEICO

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 $407 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 are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
GEICO$127$147
State Farm$136$156
Hugo$150$268
Allstate$241$280
Mile Auto$287$396
Travelers$297$344
Mercury$299$358
Safeco$309$389
Liberty Mutual$315$526
Direct Auto$325$564
Midvale Home & Auto$338$510
Progressive$368$524
Dairyland$406$717
Infinity$407$541
Foremost$416$623
GAINSCO$442$462
AssuranceAmerica$504$749
Bristol West$516$752
National General$647$665
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.

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 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.

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 $348 per month for full-coverage policies, which is higher than the state average of $290 and the nationwide average of $215.

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 $290 per month for a full-coverage policy.

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

CityFull CoverageLiability Only
Cape Coral$265$200
Clearwater$279$239
Jacksonville$287$205
Miami$387$283
Ocala$257$179
Orlando$306$222
Pensacola$272$173
Tallahassee$263$166
Tampa$380$316
Winter Haven$301$221
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’s some additional information about Fort Lauderdale car insurance.

  • How much is car insurance in Fort Lauderdale?

    The average cost of car insurance in Fort Lauderdale is $348 per month for full coverage and $264 per month for liability-only coverage.

  • Which company offers the cheapest car insurance in Fort Lauderdale?

    State Farm offers the cheapest coverage in Fort Lauderdale, with rates starting at $87 per month for liability coverage. GEICO and Hugo also offer low rates in the area, at $88 and $93 per month, respectively.

  • 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 AM Best financial strength ratings.

    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 $290 per month for full-coverage policies, according to Insurify data. In comparison, Fort Lauderdale’s average cost for liability coverage is $213 per 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."
  2. Florida Department of Highway Safety and Motor Vehicles. "Crash Dashboard."
  3. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  4. III. "Do auto insurance premiums go up after a claim?."
  5. NHTSA. "Speeding and Aggressive Driving Prevention."
  6. U.S. Census Brueau. "Quick Facts: Fort Lauderdale city, Florida."
  7. III. "Senior driving safety and insurance tips."
  8. III. "What determines the price of an auto insurance policy?."
  9. The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
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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