Cheap Auto Insurance Quotes in Pompano Beach, FL (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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.

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Cheapest Car Insurance in Pompano Beach, FL

Here are the cheapest carriers in Pompano Beach for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Pompano Beach. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Pompano Beach, FL Driving Facts

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.

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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.

Driver's AgeAvg. Monthly Cost
teens$702
20s$401
30s$344
40s$370
50s$365
60s$309
70s$311
80s$363
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$336
Good$343
Average$396
Poor$398

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.

Conclusion: 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Pompano Beach stacks up for the state of Florida:

honda
Honda Accord
Most Popular Car in
Pompano Beach, FL
suspended licenses
#78
Cities with Most
Suspended Licenses Rank

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.