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Get Cheap Car Insurance in Fort Lauderdale, FL
We monitor insurance prices, helping the average driver in Fort Lauderdale save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Fort Lauderdale
The chart below shows the cheapest car insurance company in Fort Lauderdale for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.
| Fort Lauderdale Insurer | Monthly Cost |
|---|---|
| Geico | $153 |
| State Farm | $162 |
| Gainsco | $212 |
| Bristol West | $212 |
Savings for Every Kind of Fort Lauderdale Driver
Based on our extensive insurance data, we know the average Fort Lauderdale driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $938 per year by choosing the right vehicle insurance company. Some Fort Lauderdale residents are paying out over $3,205 extra every year for auto insurance in Fort Lauderdale. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Fort Lauderdale, FL Savings / Yr. |
|---|---|
$938 |
|
$1,377 |
|
$1,059 |
|
$1,048 |
|
$3,330 |
|
$910 |
|
$1,326 |
Fort Lauderdale Car Insurance vs. Florida
People living in Fort Lauderdale pay an average of 21.32% more than the typical driver in the state. The average driver in Fort Lauderdale can expect to pay about $2,926 per year, or $3,205 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Fort Lauderdale for most people.
Car Insurance Prices by Fort Lauderdale Neighborhood
Insurance Prices
Where is insurance cheapest within Fort Lauderdale?
The map shows insurance prices in and around Fort Lauderdale, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $986 per year within the city boundaries, with insurance premiums ranging from a high of $3,733 to a low of $2,747. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southeast parts of Fort Lauderdale.Pick the Best Car Insurance Company for You in Fort Lauderdale
The best car insurance provider for most drivers in Fort Lauderdale
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $938 over the average Fort Lauderdale car insurance company.
The best car insurance provider for Fort Lauderdale drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,377 over the competition.
The best car insurance company for Fort Lauderdale drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $1,059 better than other car insurance companies.
The best auto insurance for Fort Lauderdale drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $1,048 less each year.
The least expensive car insurance company for new and young drivers in Fort Lauderdale
In Fort Lauderdale, Geico costs young drivers $3,330 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Fort Lauderdale
Geico gave the largest car insurance discounts to married couples, averaging $910 saved each year compared to an average Fort Lauderdale couple's premiums.
The cheapest car insurance in Fort Lauderdale for drivers with bad credit
The best Fort Lauderdale car insurance company for customer service
Allstate was the best company for customer service in Fort Lauderdale according to the NAIC.
Recent price drops
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The cheapest large national provider in Fort Lauderdale
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Fort Lauderdale driver can expect to pay about $156 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Fort Lauderdale, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Fort Lauderdale
What Influences the Cost of Car Insurance in Fort Lauderdale?
On average, car insurance in Fort Lauderdale is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Fort Lauderdale are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Fort Lauderdale has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Fort Lauderdale is $244 per month for minimum coverage and $267 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Wilton Manors: Insurance costs 3.96% less
- Oakland Park: Insurance costs 0.56% more
- Lauderdale Lakes: Insurance costs 9.45% more
- Lauderhill: Insurance costs 8.86% more
- Lauderdale-by-the-Sea: Insurance costs 3.28% less
- Sea Ranch Lakes: Insurance costs 2.68% less
- Dania Beach: Insurance costs 2.09% less
- Dania: Insurance costs 3.90% more
- Plantation: Insurance costs 3.34% less
- North Lauderdale: Insurance costs 6.15% more
Cities with Similar Populations
- Vallejo: Insurance costs 31.01% less
- Virginia Beach: Insurance costs 60.72% less
- Valparaiso: Insurance costs 62.93% less
- Tustin: Insurance costs 34.17% less
- Victorville: Insurance costs 30.36% less
- Springfield: Insurance costs 52.42% less
- Stockton: Insurance costs 33.14% less
- Stone Mountain: Insurance costs 28.30% less
- St. Cloud: Insurance costs 18.03% less
- Spartanburg: Insurance costs 48.27% less