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Cheap Auto Insurance Quotes in Fort Lauderdale, FL (May 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Quick Facts
- The average cost of car insurance in Fort Lauderdale is $318 per month, or $3816 annually.
- Car insurance in Fort Lauderdale is $71 more than the average cost of car insurance in Florida.
- The cheapest car insurance provider in Fort Lauderdale on average is AssuranceAmericaEconomy, but you should always compare quotes to find your best personal rate.
Car Insurance in Fort Lauderdale, FL
The average cost of Florida car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Fort Lauderdale, FL to find you the cheapest quotes in the area.
Quotes by Top Companies
Progressive$129
State Farm$227
Direct Auto$245
Liberty Mutual$251
Travelers$281
Cheapest Car Insurance in Fort Lauderdale, FL
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Fort Lauderdale | Quotes |
|---|---|
| Progressive | $129 /mo |
| State Farm | $227 /mo |
| Direct Auto | $245 /mo |
| Liberty Mutual | $251 /mo |
| Travelers | $281 /mo |
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Average Car Insurance Cost
| Florida Cities | |
|---|---|
| Jacksonville | $210/mo |
| Miami | $455/mo |
| Tampa | $482/mo |
| Orlando | $234/mo |
| Fort Lauderdale | $327/mo |
| Florida | $342/mo |
Jacksonville$210
Orlando$234
Fort Lauderdale$327
Average for FL$342
Miami$455
Tampa$482
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in FL
All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:
- $10,000 no-fault or personal injury protection (PIP) insurance
Personal injury protection coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Florida state is $10,000. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law. Note that while PIP is required in Florida, bodily injury liability is not required by Florida law unless the person has been involved in an at-fault accident or committed certain violations, such as a DUI.
- $10,000 property damage liability (PDL) insurance
The state minimum amount of property damage liability coverag required in the state of Florida is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident, up to the declared coverage limit.
Find local Fort Lauderdale agents
TCC Associates Insurance
2691 East Oakland Park Blvd,
Fort Lauderdale, FL 33306Pallant Insurance Agency, Inc.
1800 Ne 26Th St,
Fort Lauderdale, FL 33305-1415The Fairway Insurance Group, LLC
5461 North Federal Highway,
Fort Lauderdale, FL 33308Florida Statewide Insurance Inc
2755 East Oakland Park Blvd Ste 101,
Fort Lauderdale, FL 33306Cypress Insurance Group, Inc.
800 Corporate Drive,
Fort Lauderdale, FL 33334Jennar Consultants LLC
6750 N Andrews Ave Ste 200,
Fort Lauderdale, FL 33309Cothrom, LLC
440 N Andrews Ave,
Fort Lauderdale, FL 33301Brown & Brown of Florida, Inc.
1201 W Cypress Creek Rd Ste 130,
Fort Lauderdale, FL 33309-2300Atlass Special Risks
1300 SE 17 Street Ste 220,
Fort Lauderdale, FL 33316Professional Risk Specialty Group - A Division of Brown & Brown of Florida, Inc.
1201 W Cypress Creek Rd Ste 130,
Fort Lauderdale, FL 33309
FAQs - Fort Lauderdale, FL Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Fort Lauderdale Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Fort Lauderdale, Florida below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Fort Lauderdale drivers measure up to their fellow motorists across Florida in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Fort Lauderdale
#111
City with the Most Speeding Tickets Rank in Florida
#162
City with the Most Moving Violations Rank in Florida
#107
City with the Most DUIs Rank in Florida
#28
City with the Most Suspended Licenses in Florida
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Fort Lauderdale drivers rank 113 in the number of car accidents per driver across all cities in Florida.
- Rank within state: #113
- Percent of drivers in Fort Lauderdale with an accident: 8.61%
- Drivers in Fort Lauderdale, FL with an accident in their driving history pay on average 27.57% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Fort Lauderdale drivers rank 111 in the number of speeding infractions per driver.
- Rank within state: #111
- Percent of drivers in Fort Lauderdale with a speeding ticket: 6.21%
- Drivers in Fort Lauderdale, FL with a speeding ticket in their driving history pay on average 25.91% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Fort Lauderdale drivers rank 107 in the number of DUI’s per driver across all cities in Florida.
- Rank within state: #107
- Percent of drivers in Fort Lauderdale with a DUI: 0.6%
- Drivers in Fort Lauderdale, FL with a DUI in their driving history pay on average 22.92% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Fort Lauderdale is the Honda Accord.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Florida, Fort Lauderdale drivers rank 66 in rude driving infractions.
- Rank within state: #66
- Percent of drivers in Fort Lauderdale with a reckless driving violation: 1.74%
- Drivers in Fort Lauderdale, FL with a reckless driving violation in their driving history pay on average 13.62% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Fort Lauderdale drivers rank 19 in clean driving records across all cities in Florida.
- Rank within state: #19
- Percent of drivers in Fort Lauderdale with clean record: 85.46%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Fort Lauderdale drivers rank 59 in failure to yield violations per driver across all cities in Florida.
- Rank within state: #59
- Percent of drivers in Fort Lauderdale with a failure to yield violation: 0.35%
- Drivers in Fort Lauderdale, FL with a failure to yield violation in their driving history pay on average 2200% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Florida, Fort Lauderdale drivers rank 61 in the number of reckless driving offenses per driver.
- Rank within state: #61
- Percent of drivers in Fort Lauderdale with a reckless driving offense: 0.07%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Fort Lauderdale drivers rank 31 in hybrid and electric vehicle ownership across all cities in Florida.
- Rank within state: #31
- Percent of drivers in Fort Lauderdale with a hybrid/electric vehicle: 1.66%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others
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