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Cheap Auto Insurance Quotes in Pompano Beach, FL (January 2022)

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Last Updated: January 2022

Just north of Fort Lauderdale, Pompano Beach is a very popular destination for tourists. The city features luxury resorts and is a paradise for divers who want to explore coral reefs and shipwrecks. Pompano Beach is home to over 100,000 people, and when you consider the additional number of visitors at any given time, it’s no wonder that streets here are busy. Accidents can happen at a moment’s notice, so drivers should carefully consider their level of auto coverage before hitting the road.

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Car Insurance in Pompano Beach, 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 Pompano Beach, FL to find you the cheapest quotes in the area.
$116
$246
$299
$299
$313
ProgressiveLiberty MutualTravelersDirect AutoMercury

Cheapest Car Insurance in Pompano Beach, 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!

Best Car Insurance in Pompano Beach, FL

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Pompano Beach. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

$347
$210
$455
$482
$234
$356
FloridaJacksonvilleMiamiTampaOrlandoPompano Beach
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Pompano Beach, FL Driving Facts

florida

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

Bodily injury liability 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.

  • $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.

Pompano Beach Car Insurance Rates by Driver Age

It will be hard for all but the most affluent teenagers to afford car insurance payments of $702 per month. That’s a big chunk of a rent payment for many Floridians, but the price goes down as driving experience increases. For this reason, twentysomethings see an immediate $300 price cut over the youngest drivers. From then on, the rates hover around the state average of $331. Those in their 60s get the best deal with a price that’s over $375 cheaper than what teen drivers shell out monthly.

Driving History
No Violation$339
Speeding Ticket$424
At-Fault Accident$512
Failure to Stop for Red Light / Stop Sign$365

Pompano Beach Car Insurance Rates by Driving and Accident History

In the Sunshine State, safe driving rewards people in many ways. Drivers enjoy the peace of mind that comes from defensive driving, and insurance companies give them “good driver” and “accident-free” discounts. But the deals disappear if a late morning results in a speeding ticket, which kicks the rate up by over $80. Worst of all, an at-fault accident, including a fender bender, pushes the rate up $170 per month, or over $2,000 per year. It’s not all bad news, because violations and accidents stop affecting costs after three years.

Pompano Beach Car Insurance Rates by Credit Tier

Many Pompano Beach residents are perplexed about how credit affects their driving. But Florida, like most states, allows insurance companies to use credit when setting rates. Typically, people with the best credit pay the least. There’s only a $2 difference between poor and average credit and likewise a $8 difference from good to excellent credit. The biggest savings come from moving from poor to excellent credit, which nets over $60 per month, or $720 per year.

Pompano Beach, FL DMV Information

Completing your DMV tasks is a breeze in Pompano Beach. The city offers three locations to meet residents’ needs. The Driver License Office located in the Pompano Citi Centre shopping mall is a quick alternative to traditional DMV offices, and both the Florida Highway Safety and Motor Vehicles and the Auto Tags of Florida Services are just down the road. Thanks to these locations, residents of Pompano Beach rarely complain about having to visit the DMV.

Public Transportation in Pompano Beach, FL

There’s really no need to own a car if you live in Pompano Beach since the city is exceptionally easy to navigate. The weather is beautiful nearly every day, making biking or walking ideal options. Pompano Beach is served by the Broward County Mass Transit system, with 40 different bus routes that cover 410 square miles. These routes can take you within the city and to neighboring areas, while nearly any destination can be reached via Uber or Lyft.

Find local Pompano Beach agents

A 1 Quality Insurance LLC
2273 SE 10th St, Pompano Beach, FL 33062
Complete Insurance Authority Group, Inc. dba CIAG
126 E Mcnab Rd, Pompano Beach, FL 33060-9240
Coral Financial Group, Inc.
9764 W Sample Rd, Pompano Beach, FL 33065-4004
Myers Insurance
703 S Federal Hwy, Pompano Beach, FL 33062
We Insure, Inc.
720 E McNab Rd, Pompano Beach, FL 33060
Dick Warner Insurance Inc dba Atlantic Insurance Center
1 Northeast 23 Ave Ste1, Pompano Beach, FL 33062-5247
Southgate Insurance Agency of Pompano Beach, Inc.
639 N Federal Hwy, Pompano Beach, FL 33062
Frank H. Furman, Inc.
1314 E Atlantic Blvd, Pompano Beach, FL 33060-6745
Gross Insurance Agency
704 E Atlantic Blvd, Pompano Beach, FL 33060
'America''s Favorite Insurance Services, LLC'
1955 N Federal Hwy Unit 217A, Pompano Beach, FL 33062

Insurify Insights: How Pompano Beach Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Pompano Beach, FL
suspended licenses
#60
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Pompano Beach drivers measure up to their fellow Florida motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Pompano Beach

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. Pompano Beach drivers rank 107 in the number of car accidents per driver across all cities in Florida.

  • Rank within state: #107
  • Percent of drivers in Pompano Beach with an accident: 8.76%
  • Drivers in Pompano Beach, FL with an accident in their driving history paid on average 37.33% more than drivers with a clean record

Speeding in Pompano Beach

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Pompano Beach drivers rank 128 in the number of speeding infractions per driver.

  • Rank within state: #128
  • Percent of drivers in Pompano Beach with a speeding ticket: 5.37%
  • Drivers in Pompano Beach, FL with a speeding ticket in their driving history paid on average 33.33% more than drivers with a clean record

DUI/DWIs in Pompano Beach

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Pompano Beach drivers rank 81 in the number of DUI’s per driver across all cities in Florida.

  • Rank within state: #81
  • Percent of drivers in Pompano Beach with a DUI: 0.76%
  • Drivers in Pompano Beach, FL with a DUI in their driving history paid on average 16% more than drivers with a clean record

Most Popular Vehicle in Pompano Beach

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Pompano Beach is the Honda Accord.

Rude Drivers in Pompano Beach

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, Pompano Beach drivers rank 70 in rude driving infractions.

  • Rank within state: #70
  • Percent of drivers in Pompano Beach with a reckless driving violation: 1.71%
  • Drivers in Pompano Beach, FL with a reckless driving violation in their driving history paid on average 13.33% more than drivers with a clean record.

Safest Drivers in Pompano Beach

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Pompano Beach drivers rank 15 in clean driving records across all cities in Florida.

  • Rank within state: #15
  • Percent of drivers in Pompano Beach with clean record: 85.87%

Failure to Yield the Right of Way in Pompano Beach

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Pompano Beach drivers rank 75 in failure to yield violations per driver across all cities in Florida.

  • Rank within state: #75
  • Percent of drivers in Pompano Beach with a failure to yield violation: 0.22%
  • Drivers in Pompano Beach, FL with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Pompano Beach

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, Pompano Beach drivers rank 42 in the number of reckless driving offenses per driver.

  • Rank within state: #42
  • Percent of drivers in Pompano Beach with a reckless driving offense: 0.14%

Hybrid/Electric Vehicle Ownership in Pompano Beach

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Pompano Beach drivers rank 34 in hybrid and electric vehicle ownership across all cities in Florida.

  • Rank within state: #34
  • Percent of drivers in Pompano Beach with a hybrid/electric vehicle: 1.6%

How to get the best and cheapest car insurance in Pompano Beach, FL

Living in Pompano Beach can sometimes feel like a dream, with constant gorgeous weather and an array of fun activities to enjoy; however, once you get in your car, things tend to change. Many find driving here to be stressful, so it’s advised that you allow yourself plenty of time to reach your destination.

Even if you don’t drive much, it’s smart to make sure you have adequate car insurance coverage in the event of an accident. People in Pompano Beach can save time and money by using Insurify, where you can compare real-time quotes from multiple insurance carriers in a matter of minutes.


FAQs - Pompano Beach, FL Car Insurance

Do I need collision coverage if I drive in Pompano Beach?

Motorists are required to enroll in a range of coverage types to comply with Florida law, but collision coverage isn’t one of them. Many people do opt for this protection to have more peace of mind while on the road.

Motorists are required to enroll in a range of coverage types to comply with Florida law, but collision coverage isn’t one of them. Many people do opt for this protection to have more peace of mind while on the road.

Drivers here tend to pay more than the state average, which is already far higher than the national average for car insurance. Your individual premium will be based on your driving history and even your credit score.

Can I drive in Pompano Beach without insurance?

While you won’t face any jail time for driving without insurance, it’s still not a smart idea. Motorists who are caught without proof of adequate coverage could have their license suspended and be subject to a fine of up to $500.

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.


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