120+ more*Quotes generated for Insurify users in and around Pompano Beach, Florida within the last 10 days. Last updated on August 6, 2026. 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 August 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Pompano Beach drivers pay higher insurance premiums than the state average in Florida. Liability-only insurance costs about $182 per month, and full-coverage policies average $265 per month.
Pompano Beach is on the coast of the Atlantic Ocean, just north of Fort Lauderdale and Miami. Thanks to its location, it’s at significant risk for storms and flooding. In 2017, for example, Hurricane Irma caused about $3.5 million in damage to private property.
In addition to storm surges and flooding, tornadoes pose a risk to Pompano Beach, which has experienced 16 tornadoes since 2020.
Auto insurance rates in Pompano Beach are also higher because the city is located in Broward County, the 37th-worst county in the nation for car thefts, according to Insurify data.
By contrast, Naples, located in neighboring Collier County, has a much lower vehicle theft rate. This is reflected in the city’s lower car insurance premiums, averaging $120 per month for liability-only insurance.
On average, Pompano Beach drivers pay $182 per month for liability coverage — higher than the statewide average for liability insurance coverage.
In Florida, drivers have to maintain car insurance policies that satisfy the state’s minimum requirements of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability coverage.[1]
The cheapest coverage is available through State Farm, at an average of $95 per month.
The table below shows the cheapest rates for state-minimum liability coverage in Pompano Beach.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $95 |
| Clearcover | $102 |
| Mile Auto | $104 |
| Progressive | $104 |
| GEICO | $107 |
| Embark | $125 |
| Dairyland | $133 |
| GAINSCO | $142 |
| Direct Auto | $143 |
| Mercury | $147 |
| The General | $151 |
| Bristol West | $162 |
| Allstate | $166 |
| AssuranceAmerica | $166 |
| National General | $174 |
| Insurify Car | $180 |
| Root | $194 |
| Travelers | $197 |
| Hugo | $241 |
| Mendota | $267 |
| First Acceptance | $268 |
| Liberty Mutual | $274 |
Pay your first week’s premium and get immediate proof of insurance
Full-coverage policies in Pompano Beach cost an average of $265 per month and include liability, collision, and comprehensive coverage.
Drivers in Pompano Beach pay more for full coverage than the Florida average and more than in cities like Cape Coral, where rates average $206 per month. Miami drivers pay even more, averaging $295 per month for full coverage.
Although full-coverage policies are much more expensive than liability-only insurance, the right coverage can be well worth the investment. Pompano Beach is at risk of storm surges, flooding, and car theft — all of which full coverage protects against.
Check out the table below to see which insurers offer the cheapest full-coverage rates in Pompano Beach.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $153 |
| Progressive | $170 |
| Mile Auto | $194 |
| Mercury | $216 |
| GEICO | $223 |
| National General | $225 |
| Direct Auto | $238 |
| Bristol West | $251 |
| Clearcover | $251 |
| Allstate | $266 |
| The General | $291 |
| AssuranceAmerica | $300 |
| Embark | $306 |
| Travelers | $316 |
| GAINSCO | $338 |
| Root | $343 |
| Liberty Mutual | $355 |
| Dairyland | $382 |
| First Acceptance | $392 |
| Mendota | $416 |
Pompano Beach has higher-than-average car insurance rates. Costs in nearby cities show how premiums can vary based on certain risk factors.
For example, Jupiter, located about an hour north, has significantly cheaper rates. Drivers in Jupiter pay an average of $167 per month for coverage, partly due to the city’s lower property crime rate.
By contrast, Miami, about 45 minutes south of Pompano Beach, has higher insurance rates than Pompano Beach due to its much higher population density and crime rate. On average, Miami drivers pay $242 per month for coverage.
Below are average monthly car insurance rates across various cities in Florida.
City | Average Monthly Quote |
|---|---|
| Apopka | $190 |
| Boca Raton | $215 |
| Cape Coral | $169 |
| Clearwater | $175 |
| Coral Springs | $186 |
| Davenport | $189 |
| Daytona Beach | $175 |
| Fort Lauderdale | $218 |
| Fort Myers | $180 |
| Gainesville | $157 |
| Hialeah | $240 |
| Jacksonville | $187 |
| Jupiter | $167 |
| Lakeland | $177 |
| Melbourne | $161 |
| Miami | $242 |
| Miami Gardens | $268 |
| Naples | $164 |
| Ocala | $170 |
| Orlando | $208 |
| Palm Bay | $166 |
| Panama City | $150 |
| Pensacola | $164 |
| Pompano Beach | $224 |
| Port St. Lucie | $175 |
| Riverview | $215 |
| Sarasota | $158 |
| Spring Hill | $198 |
| St. Petersburg | $186 |
| Tallahassee | $169 |
| Tampa | $241 |
| Venice | $134 |
| West Palm Beach | $224 |
| Winter Haven | $179 |
City | Average Monthly Quote |
|---|---|
| Venice | $134 |
| Milton | $142 |
| The Villages | $143 |
| Saint Augustine | $149 |
| North Port | $150 |
| Panama City | $150 |
| Punta Gorda | $150 |
| Vero Beach | $150 |
| Port Orange | $153 |
| Eustis | $155 |
| Gainesville | $157 |
| Sarasota | $158 |
| Melbourne | $161 |
| Palm Coast | $161 |
| Cocoa | $164 |
| Naples | $164 |
| Pensacola | $164 |
| Palm Bay | $166 |
| Jupiter | $167 |
| Cape Coral | $169 |
| Tallahassee | $169 |
| Ocala | $170 |
| Largo | $172 |
| Bradenton | $175 |
| Clearwater | $175 |
| Daytona Beach | $175 |
| Port Saint Lucie | $175 |
| Lakeland | $177 |
| Winter Springs | $177 |
| Saint Cloud | $178 |
| Clermont | $179 |
| Winter Haven | $179 |
| Fort Myers | $180 |
| Sanford | $180 |
| Pinellas Park | $183 |
| Oviedo | $185 |
| Plant City | $185 |
| Coral Springs | $186 |
| Orange Park | $186 |
| Saint Petersburg | $186 |
| Jacksonville | $187 |
| Palm Harbor | $188 |
| Davenport | $189 |
| Apopka | $190 |
| Altamonte Springs | $192 |
| Deltona | $196 |
| Palm Beach Gardens | $197 |
| Spring Hill | $198 |
| Kissimmee | $199 |
| New Port Richey | $204 |
| Wesley Chapel | $206 |
| Orlando | $208 |
| Wellington | $212 |
| Boca Raton | $215 |
| Brandon | $215 |
| Riverview | $215 |
| Fort Lauderdale | $218 |
| Hollywood | $220 |
| North Miami Beach | $220 |
| Holiday | $223 |
| West Palm Beach | $224 |
| Homestead | $227 |
| Miami Beach | $227 |
| Deerfield Beach | $233 |
| Delray Beach | $239 |
| Lake Worth | $239 |
| Hialeah | $240 |
| Tampa | $241 |
| Miami | $242 |
| Boynton Beach | $255 |
| Miami Gardens | $268 |
Pompano Beach drivers pay higher car insurance premiums than the state average for several reasons, including the city’s high population density. While Florida has 400 people per square mile, Pompano Beach has more than 4,600.
The city also has a much higher property crime rate than the rest of the state. Residents have a 1 in 47 chance of becoming a victim of property crime.
Also, Pompano Beach is located in Broward County, which ranked No. 37 nationwide for vehicle theft in the first half of 2025, according to Insurify data.
At the state level, because Florida has one of the nation’s highest uninsured motorist rates, adding uninsured/underinsured motorist coverage to your policy can also increase your premiums.
Keep in mind that you can find competitive rates by shopping around and asking about potential car insurance discounts.
*Quotes generated for Insurify users in and around Pompano Beach, Florida within the last 10 days. Last updated on August 6, 2026. 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 August 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
After a speeding ticket, at-fault accident, or driving under the influence (DUI) conviction in Pompano Beach, your car insurance rates will likely increase.
These are the companies with the cheapest insurance quotes by driving record in Pompano Beach:
Cheapest car insurance for Pompano Beach drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Pompano Beach: State Farm
Cheapest car insurance for Pompano Beach drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Pompano Beach: State Farm
In Pompano Beach, about 2.6% of drivers have a speeding ticket on their record, and about 3.7% have an at-fault accident on their driving histories, according to Insurify data.
While the city is known for strict DUI enforcement, Insurify data shows that just 0.4% of drivers in Pompano Beach have a DUI on their record. Broward County has a DUI task force, and it enforces the state’s DUI laws with special checkpoints to catch people driving under the influence.[2]
Your driving record affects your car insurance premium. The table below shows average monthly quotes by driving record in Pompano Beach.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $224 |
| Speeding ticket | $261 |
| At-fault accident | $284 |
| DUI | $292 |
Pompano Beach is part of Broward County, which receives 12 million visitors per year. As a tourist destination, it experiences high congestion during its peak season from December through April. More cars on the road increase the risk of accidents.
More than 32% of the buildings in the City of Pompano Beach are in Special Flood Hazard Areas, according to the Federal Emergency Management Agency (FEMA). Even so, the city of Pompano Beach says the entire city is potentially a flood zone.[3]
Pompano Beach has several flood-prone neighborhoods, such as those east of state Road A1A. During heavy rainfall and high tide, the likelihood of flooding increases. Low-lying roads near the coast are especially vulnerable, including those near Pompano Canal and Cypress Creek Canal.
The city website advises against driving around road barricades or through flooded roadways, stating that only 1 foot of water will float many vehicles.
On average, drivers in Pompano Beach spend 27 minutes commuting to work — similar to the state average of 28 minutes. That time may increase as the city kicks off a new construction project at Southeast 6th Terrace and Southeast 11th Avenue Bridge.
While construction is underway, expect detours, road closures, and heavier-than-usual traffic.
Traffic backups are common on the Brightline rail line, increasing the risk of accidents. The crossings at Copans Road and between Atlantic Boulevard and Northwest 6th Street in Pompano Beach — key access points for Interstate 95 — are among the most dangerous for collisions in South Florida.
With heavy traffic and tourist season, you can reduce your accident risk by leaving more space between vehicles and giving yourself extra time to reach your destination.
About 19% of Pompano Beach’s population is younger than age 18. Liability insurance for teens in Pompano Beach costs $306 per month.
Teens typically pay higher insurance rates due to their increased risk of serious accidents, and recent data reflects that. In 2024 alone, 42,204 crashes in Florida involved a teen driver, according to Florida Department of Highway Safety data.
Florida teens must complete an approved driver education course before they can take the exam to obtain a learner’s permit. In Broward County, driver education courses are available through 11 public schools.
Check out the following table to see insurers with the lowest rates for teen drivers in Pompano Beach.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Clearcover | $160 |
| Progressive | $175 |
| State Farm | $177 |
| GEICO | $186 |
| Mile Auto | $206 |
| Embark | $210 |
| Dairyland | $222 |
| GAINSCO | $240 |
| Mercury | $258 |
| The General | $262 |
| Direct Auto | $268 |
| Bristol West | $275 |
| Root | $279 |
| Insurify Car | $303 |
| Allstate | $314 |
| AssuranceAmerica | $332 |
| National General | $334 |
| Travelers | $393 |
| Hugo | $405 |
| Mendota | $449 |
| First Acceptance | $451 |
| Liberty Mutual | $460 |
Check quotes from 120+ top insurance companies
About 19% of the population in Pompano Beach is aged 65 or older, according to the U.S. Census Bureau. Seniors in Pompano Beach typically pay lower rates than other drivers due to their years of driving experience.
Florida offers a list of approved mature driver courses for drivers aged 55 and older. Upon successful completion, drivers can request a discount from their insurer.
In Pompano Beach, State Farm has the cheapest liability insurance for seniors. Drivers in their 60s insured through the company pay an average of $76 per month for coverage.
The table below lists the cheapest car insurance rates for senior drivers in Pompano Beach.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $76 |
| Mile Auto | $83 |
| GEICO | $87 |
| Clearcover | $92 |
| Progressive | $94 |
| Embark | $112 |
| Dairyland | $115 |
| Mercury | $119 |
| Direct Auto | $120 |
| GAINSCO | $124 |
| The General | $131 |
| AssuranceAmerica | $133 |
| Allstate | $138 |
| Bristol West | $138 |
| National General | $140 |
| Travelers | $161 |
| Insurify Car | $162 |
| Root | $182 |
| Hugo | $217 |
| Liberty Mutual | $233 |
| Mendota | $240 |
| First Acceptance | $241 |
For more information on finding the best insurance in Pompano Beach, see the answers to frequently asked questions below.
Drivers in Pompano Beach pay an average of $224 per month for car insurance. The cost of your coverage depends on the coverage options you choose and the deductibles selected.
In Pompano Beach, State Farm has some of the city’s lowest rates. Policyholders pay an average of $95 per month for liability insurance. Shop around and request free quotes from several companies to find the best rates for the type of insurance and coverage you need.
In Pompano Beach, your car insurance rate can vary based on your ZIP code. Since Pompano Beach is on the coast, it’s at high risk of storm surges and flooding. Beyond location, your age, gender, driving record, credit history, and the car you drive are among the factors affecting your insurance costs.
The average cost of car insurance in Florida is $188 per month. You could save money by bundling car insurance and homeowners insurance, or bundling your car policy with another insurance product, such as renters insurance, life insurance, or business insurance.
Talk to your insurance agent about your insurance needs to learn about potential discounts that could reduce your costs.
If you plan to bring a recreational vehicle (RV) to one of Pompano Beach’s campgrounds, such as Encore Highland Woods RV Resort or Highland Pines Campground, you may need insurance, depending on your vehicle and its use.
If you drive your RV on public roads, you’ll need car insurance that meets the state’s requirements. If the RV is towable, you can skip insurance for the RV, but you’ll need coverage for your truck. For your peace of mind, you may also want to consider insurance options that protect the RV and your personal property.
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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9+ years in personal finance writing
Certified Financial Counselor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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.
