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Erin Gobler is a personal finance writer and journalist who has been writing for Compare.com since 2023. With more than five years of experience personal finance experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more.
Her work has been featured in major publications like Business Insider, Fox Business, and Time.
Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Florida is among the top 10 U.S. states with the most expensive car insurance, and Fort Lauderdale is no exception. In fact, its rates are even higher than the state as a whole. Though the average monthly insurance premium in Fort Lauderdale is $296 per month, policies are available for as low as $80 per month, depending on your coverage limits, driving history, and other factors.
If you live in Fort Lauderdale, you can save on your insurance premiums by knowing the cheapest companies and shopping around for coverage. Keep reading to learn more.
State Farm is the cheapest insurer in Fort Lauderdale, with an average rate of just $80 per month for liability insurance.
Drivers in Fort Lauderdale pay an average of $257 per month for liability coverage and $335 per month for full coverage.
Florida drivers must have property damage liability coverage and personal injury protection, but many drivers choose to purchase more coverage.
Location ▲▼ | Average Monthly Premium: Liability ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
|---|---|---|---|
| Fort Lauderdale | $257 | $335 | $296 |
| Florida | $216 | $300 | $258 |
| National average | $106 | $210 | $158 |
Our research found that the average monthly cost of car insurance in Fort Lauderdale is $296 per month. On the other hand, the state average is $258 per month, and the national average is $158.
While these averages can be a good guidepost as you’re shopping for rates, your quotes will likely look quite different. After all, insurance rates vary based on many different factors, including your driving history, age, and more.
In the next section, we’ll share a list of the cheapest car insurance companies in Fort Lauderdale to help you in your search for your next policy.
Compare personalized quotes from the area’s top insurers.
Regardless of Fort Lauderdale’s average insurance premiums, it’s often possible to find cheaper rates by shopping around and getting quotes from companies that tend to offer more competitive pricing.
In the table below, we’ve highlighted the five companies that offer the cheapest average car insurance policies in Fort Lauderdale, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $86 |
| GEICO | $88 |
| Allstate | $150 |
| Travelers | $179 |
| Safeco | $185 |
State Farm is the cheapest insurer in Fort Lauderdale, with an average monthly premium of just $86 per month — considerably lower than the citywide monthly average of $296.
In the next sections, you can learn more about the cheapest insurers in Fort Lauderdale, including their pros and cons. We’ll also talk about the cheapest insurers for specific demographics, including age and driving history.
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There’s no best car insurance company for everyone — the right fit for you depends on your budget, what you’re looking for in a policy, and your unique insurance profile.
To get you started, we’ve compiled the following list of the best companies based on a combination of average rates in Fort Lauderdale, available discounts, customer ratings and reviews, and available coverages.
Average premium: $86 per month
Compare.com Rating: 4.90 out of 5
Among the cheapest rates in area
Top-rated customer service
Discounts for safe drivers
Fewer discounts than competitors
Gap insurance not available
High number of customer complaints
State Farm is a great option if customer service is your top priority. In addition to having cheap rates, the company also ranks among the top companies in terms of customer satisfaction. State Farm ranks first out of all companies in Florida in the J.D. Power 2024 U.S. Auto Insurance Study, and it ranks in the top five companies in its 2023 U.S. Auto Claims Satisfaction Study.
In addition to its cheap rates and highly rated customer satisfaction, State Farm also offers the opportunity for safe drivers to save more. Its Drive Safe & Save program tracks your driving habits and can help you save up to 30% on your premiums.
Average premium: $88 per month
Compare.com Rating: 4.65 out of 5
Many available discounts
Accident forgiveness available
Among the cheapest rates for young drivers
Gap insurance not available
Poor claims satisfaction ratings
Limited network of local agents
GEICO already has some of the cheapest rates in Fort Lauderdale, and you can save even more by taking advantage of the company’s many discounts. You can save money based on your vehicle equipment, driving habits, personal affiliations, and more.
GEICO also offers some of the cheapest rates for young drivers in the area. And thanks to GEICO’s accident forgiveness coverage, your rate won’t go up after your first at-fault accident.
Average premium: $150 per month
Compare.com Rating: 4.93 out of 5
Multiple usage-based savings programs
Highly rated customer satisfaction
Offers accident forgiveness and diminishing deductibles
Limited gap insurance offerings
Not among the cheapest insurers for full coverage
Poor claims handling, according to CRASH Network study
Allstate stands out by offering two different usage-based savings programs. First, its Drivewise program tracks your driving and gives you a policy credit for every six months of safe driving habits. Though Allstate offers a pay-per-mile program — Milewise — that helps low-mileage drivers save, it’s unfortunately not available in Florida at this time. Luckily, the company offers plenty of other ways to save, including accident forgiveness, diminishing deductibles, and new car replacement.
Comparing personalized quotes is the quickest way to find the right fit.
Your coverage level is one of the most important factors that determines your insurance rates. A liability policy at the state’s minimum limits is the cheapest type of policy you can get in most states. But because Florida doesn’t require bodily injury liability coverage, the cheapest type of liability policy includes only property damage liability coverage.
The table below shows the cheapest liability-only policies in Fort Lauderdale, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $80 |
| GEICO | $83 |
| Hugo | $89 |
| Allstate | $140 |
| Mile Auto | $156 |
State Farm has the cheapest premiums for liability-only coverage in the area, with an average premium of just $80 per month.
Of course, the cheapest company for you may differ based on your individual circumstances. In the next section, you can learn which companies offer the cheapest full coverage.
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There’s no set definition of full-coverage insurance, but it usually refers to a policy that includes collision and comprehensive coverage in addition to state-mandated liability insurance. While full-coverage insurance is more expensive, it’s worth it for most people because it pays to repair or replace your vehicle after an accident or another incident — which liability insurance doesn’t.
Let’s explore the cheapest full-coverage insurers in Fort Lauderdale in the table below, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $92 |
| GEICO | $94 |
| Allstate | $159 |
| Travelers | $192 |
| Mercury | $201 |
We found that State Farm is the cheapest full-coverage insurer in Fort Lauderdale, with an average monthly premium of $92.
But coverage level isn’t the only factor affecting your rates. In the next few sections, you can learn about the cheapest insurance options based on various demographics.
Your age has a major effect on your car insurance rates — young drivers tend to have the highest rates, while older drivers enjoy much lower premiums. You can see this trend in the table below, which breaks down both the average and the cheapest monthly premium for drivers in each age bracket, according to our data.
Age Group ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Teens | $395 | GEICO | $137 |
| 20s | $294 | GEICO | $107 |
| 30s | $255 | State Farm | $89 |
| 40s | $246 | State Farm | $86 |
| 50s | $229 | State Farm | $79 |
| 60s | $214 | State Farm | $72 |
| 70s | $223 | State Farm | $70 |
In the next couple of sections, we’ll break down the cheapest rates for both teens and senior drivers, as well as why their rates trend the way they do.
Teen drivers usually pay the highest insurance premiums of any age group, typically because they have less driving experience than older drivers. They’re also far more likely to engage in high-risk driving habits like night driving, speeding, and distracted driving, according to the Centers for Disease Control and Prevention (CDC).
Teen drivers in Fort Lauderdale pay an average of $395 per month for car insurance. But depending on your situation, you may be able to get a policy for as low as $137 per month from GEICO.
You can generally expect your insurance premiums to decrease as you get older, and you’ll pay some of the cheapest rates possible as a senior. After all, you’ll have decades of driving experience under your belt. But this trend may reverse slightly once you reach your 70s, when the fatal crash rate starts to increase due to age-related impairments.
State Farm offers the cheapest insurance premiums for Fort Lauderdale seniors, according to our research. It has an average premium of just $72 for drivers in their 60s and $70 for drivers in their 70s. Compare that to the city averages of $214 and $223 per month for the same age ranges, respectively.
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When you sign up for a new car insurance policy, your driving history will have a significant effect on your insurance premiums. Insurance rates are based on risk, and if you’ve filed claims or had violations in the past, insurers see you as more likely to do so again in the future.
Drivers with any sort of violation on their records tend to pay more for car insurance. You can see just how impactful those violations are in the table below, which shows the average rates for drivers with clean records compared to those with various driving violations, according to our data.
Driving Record ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Clean record | $257 | State Farm | $92 |
| Speeding ticket | $303 | State Farm | $105 |
| At-fault accident | $326 | State Farm | $113 |
| DUI | $378 | State Farm | $139 |
The amount your insurance premiums will increase varies depending on the type of violations. In the next few sections, we’ll explore some of the most common violations and how they affect your insurance rates.
If you get a speeding ticket, your insurance premiums will probably increase the next time your policy renews. Nationally, rates tend to increase by an average of 27% after one ticket, according to Compare.com data.
Drivers with a speeding ticket pay an average of $303 for car insurance in Fort Lauderdale, but policies are available for as low as $105 with State Farm.
An at-fault accident increases average insurance premiums by 34% nationwide, according to Compare.com data. But while your rates could also go up after an accident when you’re not at fault, that’s not always the case.
State Farm offers the cheapest average rates for Fort Lauderdale drivers with an at-fault accident, with an average monthly premium of $113, compared to the citywide average of $326.
A DUI — short for driving under the influence — is one of the most serious driving violations you can commit, so it’s no surprise it also has the greatest effect on your insurance rates. In fact, drivers with a DUI see their rates rise by an average of 50%, according to Compare.com data. The average Fort Lauderdale driver with a DUI pays a staggering $378 per month for insurance. That said, State Farm offers much cheaper policies to drivers with a DUI on their record, at just $139 per month.
Don’t let your driving record get you down. Compare quotes and save.
In most states, the at-fault driver’s insurance pays for damages, but that isn’t the case in Florida. In fact, Florida is one of a handful of no-fault insurance states, which means that after an accident, each driver files a claim with their own insurer, regardless of fault. This law also affects the type of insurance coverage drivers must have.
Florida requires each driver to have two types of insurance coverage: personal injury protection (PIP) and property damage liability.
You’ll need $10,000 of PIP coverage, which pays for your injuries after an accident, and $10,000 of property damage liability, which pays for damage you cause to someone else’s property.
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Despite the city’s higher-than-average premiums, it’s still possible to find cheaper car insurance in Fort Lauderdale. Here are a few things you can do to save on your premiums:
Choose the right coverages and limits: On one hand, purchasing lower limits will reduce your premiums. On the other hand, too little coverage could cost you more in the long run. It’s important to find the right balance and get the proper amount of coverage for your needs.
Bundle your policies: If you already have home or renters insurance (or even life insurance, in some cases), consider getting your car insurance through the same insurer. You can usually get a substantial discount for bundling your policies.
Save with discounts: Most auto insurance companies offer a wide range of car insurance discounts to help you save on your premiums. You can save money for everything from your vehicle’s safety features to your teen’s grades in school.
Raise your deductible: A lower deductible usually results in higher insurance premiums, and vice versa. If you can afford the larger out-of-pocket cost if you get into an accident, consider opting for a higher deductible to lower your monthly costs.
Shop around for quotes: Don’t just choose one insurer and buy a policy. You’ll likely get a better rate if you shop around and compare quotes from multiple companies to find the one that’s cheapest based on your unique situation.
Get personalized rates from Fort Lauderdale’s top insurers.
Before you purchase car insurance in Fort Lauderdale, make sure you check out these frequently asked questions to help you through the process.
State Farm has the overall cheapest car insurance in Fort Lauderdale, at just $86 per month, according to Compare.com data. But that’s probably not the rate you’ll pay. Insurance premiums vary based on many different factors, and you may find that a different company actually offers you a better rate.
Fort Lauderdale has average insurance premiums of $296 per month, according to Compare.com data. That breaks down to $257 per month for liability insurance and $335 per month for full coverage. But rates are available for as low as $80 from certain insurers.
Florida requires $10,000 each for both personal injury protection and property damage liability coverage. But in many cases, it’s better to purchase more coverage to ensure you have enough coverage to protect you financially.
If you drive without insurance in Florida, you could lose your driving privileges and license plate for up to three years. Florida has no provisions for hardship or temporary driver’s licenses when it comes to insurance suspensions, so it’s important to abide by the state’s requirements. And the fee to reinstate your license and registration could be as high as $500.
You may be able to get cheaper car insurance in Florida by strategically choosing your coverages, policy limits, and deductibles, by taking advantage of insurance discounts, and by shopping around for coverage.
National Association of Insurance Commissioners, “State Farm Fire & Cas Co National Complaint Index Report,” accessed September 21, 2024.
J.D. Power, “2023 U.S. Auto Insurance Study,” accessed September 21, 2024.
J.D. Power, “2023 U.S. Auto Claims Satisfaction Study,” accessed September 21, 2024.
CRASH Network, “Top Rated U.S. Car Insurance Companies for 2024,” accessed September 21, 2024.
Florida Highway Safety and Motor Vehicles, “Florida Insurance Requirements,” accessed September 21, 2024.
CDC, “Risk Factors for Teen Drivers,” accessed September 21, 2024.
Insurance Institute for Highway Safety, “Older drivers,” accessed September 21, 2024.
Insurance Information Institute, “Background on: No-fault auto insurance,” accessed September 21, 2024.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Erin Gobler is a personal finance writer and journalist who has been writing for Compare.com since 2023. With more than five years of experience personal finance experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more.
Her work has been featured in major publications like Business Insider, Fox Business, and Time.
Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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