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Best Cheap Auto Insurance in Fort Lauderdale, FL (2021)

Things to Remember

  • Auto insurance in Fort Lauderdale, FL is higher than both the state and national averages
  • The cheapest auto insurance company in Fort Lauderdale is State Farm
  • The high amount of traffic and thefts in the Fort Lauderdale and Miami areas add to the high cost of auto insurance

Auto insurance in Fort Lauderdale, FL is expensive, mainly because the city is so close to Miami.

Florida auto insurance is pretty high in general, but Fort Lauderdale car insurance rates are higher than the state and national averages. Traffic is a major concern since more cars equal a higher chance of an accident.

Before you buy auto insurance in Fort Lauderdale, FL, shop around and compare rates. Finding cheap auto insurance will depend largely on your personal information.

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Monthly Fort Lauderdale, FL Car Insurance Rates by ZIP Code

Find more info about the monthly Fort Lauderdale, FL auto insurance rates by ZIP Code below:

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Fort Lauderdale, FL Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Fort Lauderdale, FL against other top US metro areas’ auto insurance rates.

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Enter your ZIP code now to compare auto insurance quotes in Fort Lauderdale, FL, and find the right policy for you.

What is the cheapest auto insurance company in Fort Lauderdale, FL?

USAA is actually the cheapest auto insurance company in Fort Lauderdale, FL, but it only offers coverage to the military, veterans, and their families. The cheapest company that offers coverage to everyone is State Farm.

The cheapest Fort Lauderdale, FL car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Florida car insurance company rates?” We cover that as well.

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These are the top-rated auto insurance companies in Fort Lauderdale, FL ranked from cheapest to most expensive:

  • USAA – $3,628.46
  • State Farm – $4,119.11
  • GEICO – $4,988.00
  • Nationwide – $5,691.96
  • Progressive – $6,535.87
  • Liberty Mutual – $7,202.34
  • Allstate – $8,876.69

The company that is right for you will depend on many factors that affect the cost of car insurance.  These factors include age, gender, marital status, driving record, where you live, and credit rating.

What auto insurance coverage is required in Fort Lauderdale, FL?

Most states require that drivers carry at least a minimum amount of auto insurance. Florida is no different.

The minimum amount of auto insurance required in Florida is:

  • $10,000 in personal injury protection (PIP) coverage
  • $10,000 for property damage liability (PDL)

What’s unusual is that Florida doesn’t require you to carry bodily injury coverage. That’s because Florida is a no-fault state. This means that if you are in an accident, your auto insurance pays for damages and injuries, regardless of who is at fault.

If you do decide to carry bodily injury, you must carry $10,000 for one person and $20,000 for two or more people.

Fort Lauderdale, Florida car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Fort Lauderdale, FL car insurance rates. Find the cheapest Fort Lauderdale, Florida car insurance rates by coverage level below:

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Your credit score will play a major role in your Fort Lauderdale, FL car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Fort Lauderdale, Flroida car insurance rates by credit score below.

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Your driving record will affect your Fort Lauderdale car insurance rates. For example, a Fort Lauderdale, Florida DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Fort Lauderdale, FL car insurance rates by driving record.

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Factors affecting car insurance rates in Fort Lauderdale, FL may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Fort Lauderdale, Florida car insurance.

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These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Fort Lauderdale. FL does use gender, so check out the average monthly car insurance rates by age and gender in Fort Lauderdale, FL.

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What affects auto insurance rates in Fort Lauderdale, FL?

As part of the greater Miami area, Fort Lauderdale has a lot of traffic, accidents, and theft. All of these contribute to the high cost of auto insurance in Fort Lauderdale, FL.

INRIX ranks Miami as the 12th most congested city in the U.S. and the 58th most congested city in the world.

City-Data shows that drivers in Fort Lauderdale average a 35-minute commute time, and many drivers spend an hour or more commuting.

Theft is also an issue. The FBI reports that 925 vehicles were stolen in Fort Lauderdale, FL, which is about one theft for every 196 people.

Fort Lauderdale, FL Auto Insurance: The Bottom Line

Although drivers in Fort Lauderdale get to enjoy great weather, they do pay more than average for their auto insurance.

However, it is still possible to find affordable auto insurance in Fort Lauderdale, FL if you know where to look. Shop around to compare quotes for the best rates.

Enter your ZIP code now to compare auto insurance rates in Fort Lauderdale, FL.

References:

  1. https://inrix.com/scorecard-city/?city=Miami%2C%20FL&index=58
  2. https://www.city-data.com/city/Fort-Lauderdale-Florida.html
  3. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/florida.xls

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