Cheapest Auto Insurance in Fort Lauderdale, Florida (2024)
State Farm offers the cheapest car insurance in Fort Lauderdale, with minimum-coverage policies as low as $84 per month.
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Written byNick Dauk
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated November 21, 2024
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Table of contents
Located on Florida’s eastern coast, Fort Lauderdale is prone to severe weather events like hurricanes, tropical storms, flooding, and heavy rainfalls.[1] This increased risk of property damage can lead to increased car insurance rates.
The average rate of car insurance in Fort Lauderdale is $310 per month for full coverage and $202 per month for liability-only coverage. This is much higher than the national averages of $104 for liability coverage and $204 for full coverage.
Even though car insurance rates in Fort Lauderdale are expensive, you can still compare quotes to find affordable coverage for your needs.
Quick Facts
State Farm, GEICO, and Mile Auto have the cheapest car insurance in Fort Lauderdale.
Fort Lauderdale drivers pay a yearly average of $3,725 for full-coverage car insurance.
Broward County, where Fort Lauderdale is located, reported more crashes in 2022 than most Florida counties, which can lead to higher auto insurance rates.[2]
3 of the cheapest car insurance companies in Fort Lauderdale
Finding the right auto insurance company in Fort Lauderdale for your needs isn’t as simple as finding the cheapest policy. Depending on your budget, driving habits, and coverage needs, the right insurer for you might be one that offers significantly more value for a slightly higher cost than the lowest-priced offer.
Compare how the three following insurers provide coverage ideal for different drivers in Fort Lauderdale.
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 ▲▼ |
|---|---|---|---|---|
| Hugo | 7.0 | N/A | $340 | Temporary coverage |
| State Farm | 9.3 | $83 | $68 | Senior drivers |
| GEICO | 9.0 | $86 | $69 | Drivers with incidents |
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 temporary coverage: Hugo
| User Reviews | 4.1 |
|---|---|
| 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. | 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. | $340/mo |
4.1
Best choiceBased on 121 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (45)
Javier
November 12, 2024
Verified Purchase
Hugo Insurance is the Best
Hugo was wonderful. We paid for car insurance at a good, low price. It was exactly what we needed to look into. Due to our income, paying for two vehicles for less than $100 is an awesome price. Thank you, Hugo. I recommend others to try it out.
Gabrielle
November 2, 2024
Verified Review
Good
The price is amazing.
Dawn
October 21, 2024
Verified Review
Paying Too Much
It's pretty expensive and they don't really provide much coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy we picked this company
Hugo is a tech-forward insurer offering limited insurance products across multiple states, including Florida. Fort Lauderdale drivers can take advantage of its low liability-only policies, though drivers who want the insurer’s Flex plan are out of luck, as it isn’t available in Florida. The ability to turn coverage on and off online and buy coverage for as little as three days is convenient and streamlined. As a bare-minimum insurer, Hugo can check all your boxes.
Pros
Offers temporary car insurance to infrequent drivers
Flexible payment options
Cons
Limited customized coverage options
Flex plan not available in Florida
Best insurer for senior drivers: State Farm
| 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. | 9.3 /10 |
| 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. | $106/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
Whether you’re a seasoned professional, enjoying retirement, or taking advantage of your winter home in South Florida, senior drivers in Fort Lauderdale should consider State Farm. With some of the lowest average rates available for senior drivers, State Farm is a great option for full-coverage policy needs. It rewards safe drivers with discounts, allowing senior drivers to save more thanks to their years of driving experience.
Pros
Strong AM Best financial strength rating
Multiple discounts for senior drivers in Florida
Cons
Low customer service ratings on Trustpilot
Gap insurance not available
Best insurer for drivers with incidents: GEICO
| User Reviews | 4.0 |
|---|---|
| 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 |
| 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. | $108/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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
Driving incidents — including at-fault accidents and speeding tickets — happen. If you’re a Fort Lauderdale driver with an accident, ticket, or even a DUI on your record, GEICO offers some of the lowest average rates available in the city. The DriveEasy app can provide an opportunity to lower these rates by showing how responsible of a driver you are despite past driving mistakes. Although GEICO states that a claim won’t necessarily increase premiums, your prior history will likely incur a rate increase for new claims.
Pros
Offers FR-44 filings
Lower average rates than competitors
Cons
DriveEasy app could increase premiums based on risky driving habits
Accident forgiveness only applies to first accidents
How to get the cheapest car insurance in Fort Lauderdale
Whether you’re at an age when rates are higher or have a few incidents on your record, you can lower your car insurance premiums in multiple ways. Here’s how to get affordable car insurance for your situation in Fort Lauderdale:
Raise your deductible. By offering to pay more out of pocket during a claim, your insurer has less financial responsibility and may lower your premium. Just be sure you have enough tucked away to pay the up-front deductible.
Ask about discounts. Most insurers offer discounts to drivers of all backgrounds, including those who maintain clean driving records, complete driver education courses, or have certain safety features on their vehicles. Contact a car insurance agent to see what common discounts you’ll likely qualify for.
Bundle your policies. Some insurers offer lower rates to policyholders who buy multiple policies, like renters or home insurance, with your auto insurance.
Shop and compare. One of the best ways to find cheap car insurance is to get at least three quotes from different insurers for the same coverage level and compare them to find the lowest rate.
Find Cheap Coverage in Fort Lauderdale
Liability rates start at $84 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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Cheapest liability-only car insurance in Fort Lauderdale: State Farm
No matter how often you drive, you need to buy the state’s minimum insurance limits, which insurers refer to as liability-only policies. These policies cover expenses for injuries and damages you cause to another person or property.
Because liability-only policies provide fewer coverages compared to other policy types, they’re typically cheaper and best for drivers who want absolute minimum coverages. The average rate for liability coverage in Fort Lauderdale is $202 per month.
The table below shows the cheapest auto insurers in Fort Lauderdale for liability-only coverage.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $84 |
| GEICO | $87 |
| Mile Auto | $144 |
| Allstate | $148 |
| Travelers | $175 |
| Mercury | $193 |
| Direct Auto | $202 |
| Safeco | $224 |
| Progressive | $230 |
| Infinity | $245 |
| Foremost | $262 |
| GAINSCO | $282 |
| Dairyland | $285 |
| Bristol West | $311 |
| National General | $352 |
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 Fort Lauderdale: State Farm
While liability-only coverage protects the damages that an at-fault driver causes, some Fort Lauderdale drivers may want additional coverage that pays for damage to their vehicles.
Full-coverage policies aren’t exactly the same from insurer to insurer. But the majority of companies offer full-coverage policies that include liability, collision, and comprehensive coverages. Full-coverage policies are more expensive than liability-only policies because of these extra coverages. The average rate for full coverage in Fort Lauderdale is $310 per month.
Drivers who want reimbursement for flood or weather damage to their cars may want to choose a full-coverage policy. Here are the cheapest car insurance companies for full-coverage policies in Fort Lauderdale.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $106 |
| GEICO | $108 |
| Allstate | $183 |
| Mile Auto | $185 |
| Travelers | $218 |
| Safeco | $235 |
| Mercury | $241 |
| Progressive | $337 |
| Infinity | $343 |
| National General | $367 |
| GAINSCO | $391 |
| Direct Auto | $392 |
| Foremost | $397 |
| Bristol West | $446 |
| Dairyland | $496 |
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 Fort Lauderdale, Florida
Drivers using Insurify have found quotes as cheap as $46/mo for liability only and $71/mo for full coverage in Fort Lauderdale and other Florida cities.
*Quotes generated for Insurify users in and around Fort Lauderdale, Florida within the last 10 days. Last updated on November 21, 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 November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fort Lauderdale, Florida within the last 10 days. Last updated on November 21, 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 November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
Florida is unique in that it’s an at-fault state, so all Fort Lauderdale drivers have to carry personal injury protection (PIP) insurance. PIP coverage pays for damages and injuries to the policyholder no matter who was at fault for the accident.
Along with a minimum PIP limit, drivers must also hold a minimum limit of property damage liability insurance. Florida’s minimum car insurance requirements are as follows:[3]
Personal injury protection (PIP)
$10,000 per accident
Property damage liability
$10,000 per accident
Because Florida’s minimum insurance requirements are so limited compared to other state requirements, it’s probably not enough to cover the full extent of your damages and injuries after an accident. Fort Lauderdale drivers should consider adding these optional coverages to their policies for more protection:
Comprehensive coverage
Comprehensive insurance covers damages from non-accident events, like weather events, falling objects, flooding, and theft. Insurify recommends Fort Lauderdale drivers add this to their policies since they live in a coastal region prone to severe weather.
Collision coverage
Collision insurance applies when you damage your vehicle in a collision, either with another car or a stationary object, even if you’re at fault.
Glass coverage
This pays for repairs or replacements of your windshield, rear and side windows, and sunroofs.
Gap coverage
Gap insurance pays the remaining balance between your auto loan and the actual value of your car after a total loss.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for the expenses resulting from an at-fault accident by a driver who’s not insured or doesn’t have the level of insurance needed to cover your damages or injuries.
)
Learn More: How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
While most drivers understand that at-fault accidents will raise their premium, some don’t realize that other incidents, including moving violations, can also affect how much you pay for car insurance in Fort Lauderdale. These incidents include speeding tickets and driving under the influence.
These marks on your driving record make you a high-risk driver, and insurance companies offset their risk by increasing your rates.[4] Furthermore, a DUI conviction can result in an FR-44 insurance requirement, which will almost certainly mean higher rates.
Shop for Auto Insurance in Fort Lauderdale
Monthly rates start at $97 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Fort Lauderdale drivers may wonder why a speeding ticket can increase their rates if no damage is done and no claim is filed. Because speed is a contributing factor in many fatal car crashes, insurance companies consider a speeding ticket proof of risky driving behaviors.[5]
Drivers with a ticket in Fort Lauderdale pay an average of $246 per month for liability coverage. But even though your rates may increase after a speeding ticket, you can start your search for affordable car insurance with the following companies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $84 | $100 |
| GEICO | $87 | $105 |
| Mile Auto | $144 | $175 |
| Allstate | $148 | $179 |
| Travelers | $175 | $213 |
| Mercury | $193 | $251 |
| Direct Auto | $202 | $244 |
| Safeco | $224 | $275 |
| Progressive | $230 | $276 |
| Infinity | $245 | $306 |
| Foremost | $262 | $342 |
| GAINSCO | $282 | $368 |
| Dairyland | $285 | $344 |
| Bristol West | $311 | $378 |
| National General | $352 | $427 |
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 car insurance for drivers with an at-fault accident: State Farm
Of the approximately 393,000 crashes that occurred in Florida in 2022, about 9% happened in Broward County, where Fort Lauderdale is located. Only Miami-Dade County had more reported crashes on its roadways.[2]
At-fault accidents happen, even when you’re driving as responsibly as possible, and most result in an insurance increase. Fort Lauderdale drivers with an accident pay $266 per month for liability coverage, on average.
Here you can check out the cheapest car insurance companies in Fort Lauderdale for drivers with an accident on their record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $84 | $108 |
| GEICO | $87 | $113 |
| Mile Auto | $144 | $191 |
| Allstate | $148 | $192 |
| Travelers | $175 | $228 |
| Mercury | $193 | $268 |
| Direct Auto | $202 | $267 |
| Safeco | $224 | $287 |
| Progressive | $230 | $300 |
| Infinity | $245 | $310 |
| Foremost | $262 | $362 |
| GAINSCO | $282 | $349 |
| Dairyland | $285 | $365 |
| Bristol West | $311 | $402 |
| National General | $352 | $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 car insurance for drivers with a DUI: State Farm
A DUI can affect your car insurance rates more than other incidents, depending on the severity. Having a DUI on your record can also potentially cause your insurance company to not renew your policy at the end of the policy’s term.[4]
If this is the case, start your search for cheap car insurance after a DUI with the companies below. If you can’t find an insurer willing to provide coverage, you can also apply for Florida’s assigned risk marketplace. The average monthly rate for Fort Lauderdale drivers with a DUI on their record is $306 for liability coverage, but you can find more rates from top insurers in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $84 | $133 |
| GEICO | $87 | $138 |
| Mile Auto | $144 | $228 |
| Allstate | $148 | $234 |
| Travelers | $175 | $277 |
| Mercury | $193 | $281 |
| Direct Auto | $202 | $320 |
| Safeco | $224 | $328 |
| Progressive | $230 | $364 |
| Infinity | $245 | $388 |
| Foremost | $262 | $415 |
| GAINSCO | $282 | $446 |
| Dairyland | $285 | $451 |
| Bristol West | $311 | $492 |
| National General | $352 | $557 |
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 car insurance for seniors: State Farm
People age 65 and older make up 18% of Fort Lauderdale’s population, and many may notice that their auto rates have increased around age 70.[6] Monthly car insurance rates tend to decrease for drivers around age 35 then increase in a driver’s 70s due to health issues that can increase the likelihood of an accident.[7]
Senior drivers in Fort Lauderdale pay an average of $162 per month for liability coverage.
Here are the cheapest car insurance companies for senior drivers in Fort Lauderdale.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $64 | $81 |
| GEICO | $68 | $85 |
| Mile Auto | $107 | $138 |
| Allstate | $117 | $145 |
| Travelers | $135 | $168 |
| Mercury | $150 | $188 |
| Direct Auto | $155 | $301 |
| Progressive | $164 | $240 |
| Infinity | $185 | $259 |
| Safeco | $189 | $198 |
| Foremost | $206 | $313 |
| Dairyland | $224 | $390 |
| GAINSCO | $233 | $323 |
| Bristol West | $246 | $352 |
| National General | $265 | $276 |
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 car insurance for teens: GEICO
Teen drivers have a higher rate of fatal crashes than older adults, which is why they often have some of the highest car insurance rates, despite clean driving records.[8] In Fort Lauderdale, teens pay an average of $334 per month for liability coverage.
Fortunately, teens and young drivers can lower these high premiums. Along with keeping a clean record, teens or parents can ask their insurer about discounts for good grades or for the completion of specific driving courses.
The table below shows the cheapest Fort Lauderdale auto insurance for teens.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| GEICO | $137 | $170 |
| State Farm | $143 | $180 |
| Allstate | $261 | $322 |
| Mile Auto | $276 | $354 |
| Travelers | $313 | $390 |
| Mercury | $337 | $421 |
| Direct Auto | $365 | $708 |
| Progressive | $399 | $584 |
| Safeco | $427 | $447 |
| Infinity | $435 | $608 |
| Dairyland | $453 | $788 |
| Foremost | $460 | $697 |
| GAINSCO | $481 | $666 |
| Bristol West | $517 | $742 |
| National General | $686 | $715 |
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.
Shop for Cheap Auto Insurance in Fort Lauderdale
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Fort Lauderdale car insurance quotes by credit tier
Even though it doesn’t have an effect on your driving habits, Florida allows insurers to use your credit history in determining your premiums. But it can’t be the only factor insurance companies consider during the underwriting process.[9]
While they’re not the only influence on your rate, insurers generally provide drivers who have excellent or good credit scores with lower rates and give higher rates to drivers with poor credit scores.
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.
Is car insurance more expensive in Fort Lauderdale?
The average cost of car insurance in Fort Lauderdale is $310 per month for full-coverage policies, which is higher than the state average of $248 and the nationwide average of $204.
Car insurance rates vary by city and ZIP code, so cities with lower populations, like Ocala, tend to be cheaper, and areas of similar congestion, such as Miami, are very close in average rate prices.[8]
More cities in Florida
Compared to other major Florida cities, auto insurance in Fort Lauderdale is often more expensive, on average. But some cities may only be slightly cheaper and still fall above the Florida state average of $248 per month for a full-coverage policy.
Here’s how average rates compare in some other Florida cities.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Cape Coral | $233 | $128 |
| Clearwater | $240 | $164 |
| Jacksonville | $247 | $148 |
| Miami | $354 | $217 |
| Ocala | $207 | $132 |
| Orlando | $263 | $167 |
| Pensacola | $230 | $131 |
| Tallahassee | $218 | $136 |
| Tampa | $332 | $232 |
| Winter Haven | $275 | $156 |
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.
Fort Lauderdale car insurance FAQs
Learn more about Florida’s average car insurance costs and how they compare to Fort Lauderdale’s. Here’s some additional information about Fort Lauderdale car insurance.
How much is car insurance in Fort Lauderdale?
The average cost of car insurance in Fort Lauderdale is $310 per month for full coverage and $202 per month for liability-only coverage.
Which company offers the cheapest car insurance in Fort Lauderdale?
State Farm offers the cheapest coverage in Fort Lauderdale, with rates starting at $84 per month for liability coverage. GEICO and Mile Auto also offer low rates in the area, at $87 and $144 per month, respectively.
What are the best car insurance companies in Fort Lauderdale?
Some of the best car insurance companies in Fort Lauderdale include State Farm and GEICO. These two companies have high Insurify Quality Scores, above-average J.D. Power customer satisfaction ratings in Florida, and strong AM Best financial strength ratings.
The best auto insurer in the city for you will depend on your unique situation, coverage needs, and driving history, which is why you should always compare quotes from multiple insurers.
How much is car insurance per month in Florida?
Car insurance in Florida costs an average of $248 per month for full-coverage policies, according to Insurify data. In comparison, Fort Lauderdale’s average cost for liability coverage is $157 per month.
Do you need 100/300 auto insurance in Florida?
No. Florida only requires $10,000 per accident in personal injury protection and $10,000 per accident in property damage liability.[3] These minimums are extremely low compared to other states and don’t include bodily injury liability coverage, so you may benefit from higher limits for more protection on the road.
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
- 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.
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Sources
- City of Fort Lauderdale. "Climate and Weather in Fort Lauderdale."
- Florida Department of Highway Safety and Motor Vehicles. "Crash Dashboard."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- III. "Do auto insurance premiums go up after a claim?."
- NHTSA. "Speeding and Aggressive Driving Prevention."
- U.S. Census Brueau. "Quick Facts: Fort Lauderdale city, Florida."
- III. "Senior driving safety and insurance tips."
- III. "What determines the price of an auto insurance policy?."
- The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
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Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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