Cheapest Auto Insurance in Pompano Beach, Florida (2026)

The overall average monthly cost of auto insurance in Pompano Beach is $208, much higher than the state average of $176 and the national average of $140, according to Insurify data.

Florida’s high risk for severe weather events — including hurricanes, tornadoes, and flooding — contributes to its elevated insurance costs. As a popular tourist destination, Pompano Beach also has busy roads, which increases the risk of accidents and car insurance claims.

Here’s what you should know about comparing car insurance quotes and finding affordable coverage in Pompano Beach.

3 of the cheapest car insurance companies in Pompano Beach

If you’re looking for the cheapest car insurance policy in Pompano Beach, it’s a good idea to compare multiple insurance companies.

The cost of insurance can vary among insurers and also depends on a variety of personal factors including your age, gender, location, crime rate, driving history, and the type and amount of insurance you want. The best coverage and insurance company for you will depend on your individual needs, budget, and situation.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best for
State Farm	9.3	$144	$103	Affordable rates
GEICO	9.2	$203	$117	Discounts
Hugo	6.3	N/A	$251	Pay-as-you-go coverage

Disclaimer: Table data sourced from real-time Pompano Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pompano Beach may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses 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 55,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for affordable rates: State Farm

Affordable Rates

Compare Quotes

User Reviews	4.0 7,345 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
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.	$122/mo
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.	$171/mo

Details

Driver Reviews

4.0

Best choiceBased on 16,800 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.9	2.9
Policy transparency	3.8	3.1
Value	3.7	2.9

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

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Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Florida reviews for Pompano Beach driversSee all 7,345 State Farm reviews

Edward

Verified Review

State Farm

Reviewed in Florida on April 6, 2026

Their rates are climbing way too rapidly. They are going to price me out of doing business with them.

James

Verified Review

State Farm

Reviewed in Florida on April 4, 2026

Even with high deductibles, it is still pricey.

Eugene

Verified Review

State Farm is a Great Company to Deal With

Reviewed in Florida on April 2, 2026

I have been dealing with State Farm for over 50 years and will continue with them.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

650

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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++

Why we picked this company

State Farm is the largest auto insurance company in the U.S. by market share and has been in the insurance industry for more than 100 years. In addition to a variety of insurance products — including home insurance, life insurance, health insurance, and business insurance — it also offers banking and investment products.

If you’re looking for a company with great service, J.D. Power rated State Farm fifth for overall customer satisfaction and first in providing a satisfying insurance-shopping experience.

Pros

• Some of the most affordable auto insurance premiums for liability and full coverage in Pompano Beach

• Wide selection of available coverages

Cons

• Gap insurance not available

• Not as many discounts as some competitors

Best insurer for discounts: GEICO

Discounts

Compare Quotes

User Reviews	3.9 7,581 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
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.	$139/mo
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.	$240/mo

Details

Driver Reviews

3.9

A solid optionBased on 17,081 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.8	2.9

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

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Best For

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 Florida reviews for Pompano Beach driversSee all 7,581 GEICO reviews

Julie

Verified Review

Goodbye Geico!

Reviewed in Florida on April 7, 2026

Not sure why I had to pay so much (around $135/month) for the minimum coverage (PIP). That is why I shopped around and finally switched to Progressive, which is slightly cheaper.

Mary

Verified Review

Excellent

Reviewed in Florida on April 6, 2026

I've been with this insurance company for more than 8 years.

Scott

Verified Review

Horrible experience with getting a quote

Reviewed in Florida on April 6, 2026

I spent two days trying to get a quote and was quoted three different rates. I was also incorrectly told that I had an accident on my record.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

629

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

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++

Why we picked this company

GEICO is the second-largest insurance company in the country by market share and is a wholly owned subsidiary of Berkshire Hathaway. In addition to car insurance, GEICO offers homeowners, renters, life, business, and travel insurance. 

The company also offers a variety of car insurance discounts, including multi-policy, defensive driving, good student, military, and new-car discounts.

Pros

• Above-average J.D. Power customer satisfaction rating in Florida

• AM Best financial strength rating of A++ (Superior)

Cons

• Rideshare insurance not available

• Gap insurance coverage not available

Best insurer for pay-as-you-go coverage: Hugo

Pay-As-You-Go Coverage

Compare Quotes

User Reviews	4.6 67 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	6.3 /10
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.	$251/mo

Details

Driver Reviews

4.6

Best choiceBased on 205 verified driver reviews and ratings

	Hugo's score	Industry average
Coverage options	3.6	3.2
Customer service	3.1	3.6
Discounts	3.7	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

---

Best For

Micropayments

No down payments

Fast coverage

Showing recent national reviewsSee all 67 Hugo reviews

Donita

Verified Purchase

Excellent

Reviewed in Illinois on April 2, 2026

They are convenient for most of your needs! They have great prices for what you're looking for.

Shelbi

Verified Purchase

Hugo Helps in a Flash

Reviewed in Illinois on March 21, 2026

I like that Hugo offers short-term plans. However, I wish they offered full coverage for vehicles.

Quincy

Verified Purchase

Great news

Reviewed in Pennsylvania on March 18, 2026

I like it, and it’s much easier to use the app to add cars than talking on the phone and waiting for your card to come in the mail.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

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

Why we picked this company

Hugo is a newer insurance company, founded in 2021. Hugo gives you the opportunity to pay for insurance only when you need it.

With Hugo micropayments, you can buy as little as three days of insurance at a time. Hugo gives customers who don’t drive every day and are working with a small budget the opportunity to pay as they go.

The company doesn’t charge up-front fees or a down payment to get coverage. While Hugo is currently available in only 13 states, it’s available in Florida. But it may not be for everyone — people with leased or financed cars won’t be able to use Hugo’s option to turn coverage off and on.

Pros

• Budget-friendly with micropayment options

• No down payment or up-front fees

Cons

• Available in only 13 states

• Limited insurance options

How to get the cheapest car insurance in Pompano Beach

How much you pay for car insurance in Pompano Beach depends on several factors, including your age, gender, ZIP code, the car you drive, your driving history, and the type of auto insurance coverage you need.^[1]

If you want to save money on the best insurance coverage, consider the following tips:

• Keep a clean driving record. A clean record with no tickets, accidents, or other incidents can help keep your premiums low.

• Increase your deductible. Increasing your collision or comprehensive deductible can help lower your rates. But make sure you can afford your deductible if you need to file a claim.

• Drive a safe car. In some cases, driving a car with high-quality safety equipment can help you qualify for discounts on your insurance premiums.

• Compare insurance companies. Taking time to get quotes from several insurance companies can help you find the lowest prices and best company for your unique needs.

Find Cheap Car Insurance in Pompano Beach

Liability-only rates start at $113 per month

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Cheapest liability-only car insurance in Pompano Beach: Progressive

Most states require drivers to have liability-only coverage. Liability-only coverage typically includes bodily injury liability coverage and property damage liability.

Bodily injury insurance covers the injuries of someone else if you hurt them in an at-fault auto accident. Property damage insurance pays for damages that you cause to another person’s car or property, such as a fence or signpost.

Liability-only car insurance in Pompano Beach, Florida, costs an average of $175 per month. The table below outlines some average monthly quotes for liability-only car insurance.

The below rates in Pompano Beach, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
Progressive	$113
Mile Auto	$122
State Farm	$122
Clearcover	$126
GEICO	$139
Dairyland	$144
Embark	$156
Infinity	$158
Mercury	$175
Direct Auto	$176
GAINSCO	$179
The General	$189
Bristol West	$203
Root	$212
Allstate	$213
AssuranceAmerica	$218
National General	$218
Travelers	$253
Mendota	$329
First Acceptance	$345
Liberty Mutual	$345
Liberty Mutual	$345

Disclaimer: Table data sourced from real-time Pompano Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pompano Beach may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Pompano Beach: State Farm

If you want to ensure you and your vehicle are covered if you cause an accident, you can purchase additional car insurance. Full-coverage insurance includes liability, comprehensive, and collision insurance. Unlike liability-only insurance, full-coverage insurance covers damage to your vehicle and any injuries you suffer.

Full-coverage car insurance in Pompano Beach costs $241 per month, on average. The following table highlights the cheapest average monthly quotes for full-coverage car insurance.

The below rates in Pompano Beach, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$171
Progressive	$191
Mile Auto	$197
Mercury	$234
GEICO	$240
National General	$252
Clearcover	$261
Direct Auto	$265
Bristol West	$284
Allstate	$297
Infinity	$298
The General	$311
Embark	$339
Root	$341
AssuranceAmerica	$342
Travelers	$353
GAINSCO	$365
Liberty Mutual	$390
Liberty Mutual	$390
Dairyland	$405
First Acceptance	$441
Mendota	$449

Disclaimer: Table data sourced from real-time Pompano Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pompano Beach may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Florida

Before you can register your vehicle in the state of Florida, you must show proof of personal injury protection (PIP) and property damage liability (PDL) insurance. PIP insurance will cover 80% of medical expenses that result from a covered injury, up to $10,000.^[2]

Florida is one of 12 no-fault states, which means you’ll use your own insurance to cover you and your passengers, regardless of who caused a car accident.^[3] PDL insurance covers the cost of damages to another driver’s vehicle or property if you cause an accident.

You must have the minimum coverage outlined below — even if you aren’t driving your vehicle — and you must surrender your license plate before canceling your insurance coverage.^[2]

Coverage	Minimum Requirements
Personal injury protection	$10,000
Property damage liability	$10,000

You can also purchase additional coverage for more financial protection, such as:

Comprehensive coverage

Comprehensive insurance provides coverage for theft and damage to your vehicle that isn’t caused by an accident, such as vandalism, fire, hail, or flood.



Collision coverage

Collision insurance covers you if you cause a collision with a car or another object, such as a tree or sign post.



Uninsured/underinsured motorist coverage

Uninsured/underinsured motorist coverage protects you if you’re in an accident with a driver who doesn’t have insurance. Underinsured motorist insurance covers you if the other driver doesn’t have enough insurance to pay for the accident.

Cheapest car insurance for drivers with an incident

Maintaining a clean driving record can help keep your insurance premiums low. Having incidents such as speeding tickets, driving under the influence, at-fault accidents, and other moving violations can cause your insurance to increase because insurance companies see you as a higher risk.^[4]

The table below shows how different driving incidents can affect your monthly car insurance rates.

The below rates in Pompano Beach, FL, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
Progressive	$113	$132	$144	$150
Mile Auto	$122	$144	$162	$169
State Farm	$122	$150	$159	$169
Clearcover	$126	$156	$178	$174
Dairyland	$144	$173	$187	$199
GEICO	$139	$176	$179	$190
Embark	$156	$182	$199	$207
Infinity	$158	$194	$205	$218
GAINSCO	$179	$206	$225	$247
Direct Auto	$176	$214	$236	$243
Mercury	$175	$235	$258	$255
The General	$189	$245	$256	$252
Bristol West	$203	$248	$263	$281
Allstate	$213	$268	$281	$294
AssuranceAmerica	$218	$268	$284	$301
Root	$212	$273	$279	$295
Travelers	$253	$318	$335	$350
Mendota	$329	$384	$420	$436
First Acceptance	$345	$403	$440	$457
Liberty Mutual	$345	$425	$450	$477
Liberty Mutual	$345	$425	$450	$477

Disclaimer: Table data sourced from real-time Pompano Beach car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pompano Beach may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Your age also affects your cost of car insurance. Teen drivers pay the most expensive insurance premiums because they lack years of experience and pose the highest level of risk, with a crash rate almost four times as high as drivers 20 and older.^[5]

Car insurance rates typically decrease around age 35 but increase again around age 70 as senior drivers’ cognitive and visual abilities often begin to decline.^[6] 

The following table shows average monthly quotes for Pompano Beach drivers of different ages.

Age	Average Monthly Quote
Teens	$553
20s	$411
30s	$358
40s	$345
50s	$321
60s	$297
70s	$309

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Pompano Beach car insurance quotes by credit tier

In Florida, insurance companies can use your credit history as one of the factors in determining monthly premiums. Insurance companies use credit-based insurance scores to help predict the likelihood that you’ll file a claim. Industry data shows that people with excellent or good credit are less likely to file a claim than people with poor credit. 

The table below provides average monthly insurance quotes for drivers in different credit tiers.

Pompano Beach car insurance FAQs