Cheapest Auto Insurance in Pompano Beach, Florida (2024)

With a monthly liability-only rate of $83, State Farm is the cheapest car insurance company in Pompano Beach.

Jessica Martel
Written byJessica Martel
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Updated July 14, 2024

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Cheapest recent rates near Pompano Beach, Florida

Drivers using Insurify have found quotes as cheap as $58/mo for liability only and $77/mo for full coverage in Pompano Beach and other Florida cities.

*Quotes generated for Insurify users in and around Pompano Beach, Florida within the last 10 days. Last updated on July 11, 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Pompano Beach, Florida within the last 10 days. Last updated on July 11, 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average monthly cost of auto insurance in Pompano Beach is $274, much higher than the state average of $234 and the national average of $160, 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.

Quick Facts
  • Liability-only coverage in Pompano Beach costs an average of $238 per month, and full coverage costs $309 per month.

  • Pompano Beach drivers pay an average of $3,712 per year for full-coverage car insurance.

  • State Farm, GEICO, and Hugo offer the cheapest car insurance 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 CompanyIQ 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 CoverageLiability OnlyBest for
State Farm9.3$83$71Affordable rates
GEICO9.0$86$73Discounts
Hugo7.0N/A$77Pay-as-you-go coverage
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 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 28,000 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

Compare personalized, real-time quotes
User Reviews
3.3
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.
$83/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.
$97/mo

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

Read more driver reviews of State Farm
Brenda - July 14, 2024
Verified

Again, Very Easy to Work With

They have been very easy to work with.

Ed - July 14, 2024
Verified

Compare

I have been with State Farm for over forty years and have nothing but good things to say about them. However, the rates keep going up, so the advice is to compare.

John - July 14, 2024
Verified

Good

It wasn't bad for years, but recently the rates have skyrocketed.

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
User Reviews
3.1
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.
9.0/10
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.
$85/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.
$101/mo

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

Read more driver reviews of GEICO
Scott - July 14, 2024
Verified

Harley Davidson for an Old Man

I feel safe with my motorcycle.

Andrew - July 14, 2024
Verified

Policy Cancelled for Illegitimate Reason

I would definitely recommend setting up your policy over the phone with a representative, or in person if possible.

Patricia - July 14, 2024
Verified

Too Expensive!

I had one accident and my monthly rate jumped from $80.00 to $242.00. Not good!

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

Compare personalized, real-time quotes
User Reviews
4.2
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.
7.0/10
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.
$90/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.
$301/mo

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

Read more driver reviews of Hugo
Jennifer - July 13, 2024
Verified

Rate Increase If You Turn Off and On

I can't say much except that I don't like the rate hike because I didn't use it.

Deborah - June 30, 2024
Verified

Excellent

It's a weekly policy and only covers liability.

Makayla - June 24, 2024
Verified

New Insurance

The process was very easy and helpful for me.

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 $83 per month

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Cheapest liability-only car insurance in Pompano Beach: State Farm

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 $238 per month. The table below outlines some average monthly quotes for liability-only car insurance.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$83
GEICO$85
Hugo$90
Mile Auto$144
Allstate$145
Safeco$163
Travelers$172
Mercury$173
Liberty Mutual$179
Direct Auto$185
Midvale Home & Auto$211
Progressive$215
Infinity$222
Foremost$246
Dairyland$256
GAINSCO$259
AssuranceAmerica$287
Bristol West$307
National General$348
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 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 $309 per month, on average. The following table highlights the cheapest average monthly quotes for full-coverage car insurance.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$97
GEICO$101
Allstate$170
Safeco$197
Mile Auto$200
Travelers$201
Mercury$208
GAINSCO$287
Hugo$301
Liberty Mutual$303
Progressive$304
Infinity$309
Midvale Home & Auto$316
Direct Auto$334
National General$362
Foremost$372
Dairyland$451
AssuranceAmerica$455
Bristol West$455
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 Pompano Beach, Florida

Drivers using Insurify have found quotes as cheap as $58/mo for liability only and $77/mo for full coverage in Pompano Beach and other Florida cities.

*Quotes generated for Insurify users in and around Pompano Beach, Florida within the last 10 days. Last updated on July 11, 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Pompano Beach, Florida within the last 10 days. Last updated on July 11, 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 July 11, 2024. Actual quotes 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]

CoverageMinimum Requirements
Personal injury protection $10,000
Property damage liability$10,000

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

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

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm$83$97$106$133
GEICO$85$101$109$136
Hugo$90$113$111$127
Mile Auto$144$181$199$205
Allstate$145$172$185$232
Safeco$163$196$202$261
Travelers$172$206$222$275
Mercury$173$221$236$248
Liberty Mutual$179$234$251$286
Direct Auto$185$220$242$296
Midvale Home & Auto$211$260$287$337
Progressive$215$256$280$344
Infinity$222$275$280$355
Foremost$246$322$344$393
Dairyland$256$305$327$409
GAINSCO$259$339$318$414
AssuranceAmerica$287$347$367$459
Bristol West$307$362$388$491
National General$348$411$449$556
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.

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.

AgeAverage 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.

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.

Pompano Beach car insurance FAQs

If you’re shopping for car insurance coverage in Pompano Beach, Florida, this additional information may help as you research your options.

  • How much is car insurance in Pompano Beach?

    Car insurance in Pompano Beach costs $238 per month for liability coverage and $309 per month for full coverage, according to Insurify data.

  • Which companies have the cheapest car insurance in Pompano Beach?

    State Farm has the cheapest car insurance in Pompano Beach, with a monthly liability-only rate of $83. GEICO and Hugo also offer affordable liability coverage, with respective monthly rates of $85 and $90.

    But the cheapest car insurance company for you will depend on many factors, such as your age, ZIP code, driving record, chosen coverage levels, and type of car you drive.

  • What are the best car insurance companies in Pompano Beach?

    With an AM Best financial strength rating of A++ (Superior), IQ Score of 9.3 out of 5, and competitive rates, State Farm is the best car insurance company in Pompano Beach.

    Other top insurers include GEICO and Hugo.

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. Insurance Information Institute. "How to save money on car insurance."
  2. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  3. Insurance Information Institute. "Background on: No-fault auto insurance."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  5. Insurance Institute for Highway Safety. "Teenagers."
  6. Insurance Institute for Highway Safety. "Older Drivers."
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

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