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.
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.
Save up to $717 by comparing quotes from the top 100+ insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
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.
Shop for Cheap Auto Insurance in Fort Lauderdale
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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.
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
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.
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.
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: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
154
Safeco
159
Travelers
164
Mercury
171
Liberty Mutual
183
Direct Auto
186
Progressive
210
Infinity
225
Dairyland
250
AssuranceAmerica
269
Bristol West
324
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: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
92
GEICO
94
Allstate
160
Travelers
194
Mercury
202
Mile Auto
216
Safeco
218
Infinity
253
Liberty Mutual
277
Direct Auto
288
Progressive
299
National General
362
AssuranceAmerica
363
Dairyland
443
Bristol West
463
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.
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]
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
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.
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.
Glass coverage
This pays for repairs or replacements of your windshield, rear and side windows, and sunroofs.
Gap coverage
This pays the remaining balance between your auto loan and the actual value of your car after a total loss.
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.
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 Cheap Auto Insurance in Fort Lauderdale
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
105
GEICO
109
Allstate
186
Travelers
230
Mercury
274
Safeco
280
Mile Auto
289
Infinity
306
Direct Auto
348
Liberty Mutual
349
Progressive
363
National General
423
AssuranceAmerica
457
Dairyland
534
Bristol West
548
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: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
114
GEICO
118
Allstate
200
Travelers
246
Mercury
292
Safeco
301
Infinity
307
Mile Auto
313
Liberty Mutual
374
Direct Auto
375
Progressive
391
National General
461
AssuranceAmerica
480
Dairyland
567
Bristol West
578
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: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
139
GEICO
142
Allstate
242
Travelers
293
Mercury
313
Mile Auto
326
Safeco
329
Infinity
382
Liberty Mutual
419
Direct Auto
435
Progressive
452
National General
547
AssuranceAmerica
549
Dairyland
669
Bristol West
700
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: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
55
GEICO
60
Allstate
106
Travelers
126
Mile Auto
144
Mercury
146
Progressive
158
Safeco
168
Direct Auto
186
Liberty Mutual
186
AssuranceAmerica
230
National General
274
Dairyland
313
Bristol West
316
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: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
GEICO
137
State Farm
146
Allstate
261
Travelers
326
Mercury
348
Safeco
364
Mile Auto
388
Infinity
395
Liberty Mutual
435
Direct Auto
491
Progressive
497
National General
646
AssuranceAmerica
649
Dairyland
665
Bristol West
713
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
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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.
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.
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.
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.