Fort Lauderdale, FL Auto Insurance | Cheap Car Insurance in Fort Lauderdale, FL

Fort Lauderdale, FL auto insurance rates are $232/month on average. Finding cheap car insurance in Fort Lauderdale, FL, depends on factors that determine car insurance, such as driving record, age, vehicle, and credit score. Even your education level, marital status, and deductible have a small impact on your Fort Lauderdale, FL car insurance. Compare multiple companies and shop around to find affordable Fort Lauderdale, FL auto insurance.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Can't-Miss Facts

  • Fort Lauderdale, FL  auto insurance rate is $232 per month.
  • Car insurance in Fort Lauderdale is more expensive than Florida's average.
  • The most significant factors that determine auto insurance in Fort Lauderdale, FL, is driving record, age, vehicle, and credit score.
  • Minor factors that affect Fort Lauderdale car insurance are gender, marital status, and deductibles.

Some of the best Fort Lauderdale, FL auto insurance companies offer affordable rates. The companies that provide cheap car insurance in Fort Lauderdale, FL are 21st Century, Allied, Allstate, Amica, and Liberty Mutual. Allstate provides drivers searching for Fort Lauderdale, FL auto insurance $93/month. Some of the cheapest auto insurance in Fort Lauderdale, FL.

Do you need cheap auto insurance in Fort Lauderdale, FL? Shopping around for Fort Lauderdale auto insurance can be a pain and you don't have time to research. Cheap car insurance in Fort Lauderdale, Florida can be found when you compare multiple companies.

Before you read more about cheap car insurance in Fort Lauderdale, FL, take a moment to find out what you could be saving. For affordable Fort Lauderdale, FL auto insurance, enter your ZIP code above to find out who sells the cheapest Fort Lauderdale car insurance for you.

How much is the average auto insurance in Fort Lauderdale, FL?

Before we move on to details on what determines car insurance in Fort Lauderdale, FL, let's examine the average cost of Fort Lauderdale and compare it to Florida and the national average.

Fort Lauderdale, FL Average Monthly Rate vs. Florida and National Average
Fort Lauderdale, FL Average Monthly RateFlorida Average Monthly RateNational Average Monthly Rate
$232$192$129
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The national average is much cheaper than the Florida average rate and the Fort Lauderdale, FL average rate.

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Fort Lauderdale, FL Auto Insurance Coverage Requirements

Just bear in mind that there's a really huge difference between exactly what a comprehensive insurance plan covers, and just what the legal minimum policy pays out claims on. Here are the requirements for driving legally in Fort. Lauderdale.

Florida's Minimum Requirements for Auto Insurance
CoverageRequirementsMost Common
Bodily Injury LiabilityNot required100,000/300,000
Property Damage Liability10,00050,000
Uninsured Motorist Bodily InjuryNot required10,000/20,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required250 deductible
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If you drive an aged, second-hand vehicle, these state minimums may work for you. More recent cars or automobiles you're still making repayments on will need more coverage.

However, the state average for Florida auto insurance costs is a whopping $192 every month! Don't give up, though. You can still get some good discount rates. Continue to the next section to learn about cheap car insurance in Fort Lauderdale, FL.

Cheapest Fort Lauderdale Auto Insurance Companies

We'll demonstrate tips to get a similar deal. So who has the cheapest car insurance in Florida? How much is car insurance in Florida per month? Let's look at rates.

Fort Lauderdale Average Monthly Auto Insurance RatesLegend: Ft. Lauderdale 21st centuryAlliedAllstateAmicaLiberty Mutual 20406080100120140160180200$176$172$93$172$211

 

Any insurance bargain shoppers available ought to know that Allstate, Amica, and Allied are presently offering a few of the cheapest rates in Ft. Lauderdale. Try not to be in a big hurry to change providers. Perform a little research, and discover important particulars similar to their customer support status and claim filing ability first.

There are a variety of companies to research, including Geico auto insurance Fort Lauderdale, FL, State Farm car insurance Fort Lauderdale, Florida, The General Auto Insurance Fort Lauderdale, Florida, and more.

Those who underwrite motor vehicle insurance policies evaluate different variables while figuring out Fort Lauderdale, FL auto insurance quotes, particularly gender, geography, type of vehicle owned, education, and business use of the vehicle.

Also bear in mind that premiums differ from company to company. To make sure you are still receiving the lowest cost, review cheap Fort Lauderdale automobile insurance prices on the internet.

You can also look at discounts, including unusual bundles. Did you know you can bundle Fort Lauderdale condo insurance with your car insurance at some auto insurance companies in Fort Lauderdale, Florida? Don't miss out.

Major Factors in Cheap Auto Insurance in Fort Lauderdale, Florida

You could possibly feel a bit powerless as soon as your car insurance company in Fort Lauderdale,  Florida is pricing your insurance quote; let’s be honest, the majority of the aspects these people calculate aren’t things you will be able to adjust or control. Fortunately, however, there are a few things which that you are in a position to alter for higher discounts, including:

Your ZIP Code

Fort Lauderdale, FL auto insurance companies have to know where you reside (or the place you will probably be driving a vehicle frequently) to calculate the probability of a major accident.

Everything amounts to a very simple notion: the higher the human population, the greater amount of vehicles there will be on the streets, and also the more opportunities you will have to get in a wreck with or be hit by a different automobile. The population of Fort Lauderdale is 172,389 plus the typical family earnings are $49,263.

Which county in Florida has the least expensive auto insurance? Instead of looking at Florida car insurance rates by county, let's get more specific to Fort Lauderdale.

What are some Fort Lauderdale, Florida car insurance rates by the city? Let's review.

Florida Average Monthly Auto Insurance Rates by CityLegend: Miami Hialeah Tallahassee Jacksonville Ft. Lauderdale 21st centuryAlliedAllstateAmicaLiberty Mutual 255075100125150175200225250275300325350375400425450475500525$192$525$109$144$176$202$209$98$118$172$134$133$57$75$93$216$233$74$81$172$205$226$99$131$211

 

Automotive Accidents

Be very careful when you're on the road in Fort Lauderdale - the city has an unusually high rate of fatal accidents. And this isn't the only reason you should be careful. Your Fort Lauderdale, FL auto insurance rates may be automatically raised due to accident statistics in your area. Contact your agent to find out if there are any safe driving discounts you can take advantage of.

Fort Lauderdale, FL Fatal Accident StatisticsLegend: Ft. Lauderdale Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 510152025303540455021324225012

Also, you should know that accidents can affect your auto insurance rates for five to eight years. The Comprehensive Loss Underwriting Exchange (C.L.U.E.) will keep your accident record in their database. So you could pay higher premiums until the accidents have expired from your insurance history.

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Auto Thefts in Fort Lauderdale, FL

Many insurance agencies have concerns regarding auto theft; this is especially valid for drivers who live in large urban centers. The greater the number of people, the better the possibility that you may have to submit an auto theft claim.

Let's examine auto thefts in Fort Lauderdale, FL.

Fort Lauderdale, FL Average Monthly Auto Insurance Rates by Driving RecordLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident 21st centuryAlliedAllstateAmicaLiberty Mutual 255075100125150175200225250275300325350$176$188$258$248$172$181$272$174$93$100$115$129$172$177$217$221$211$256$367$240

Since comprehensive coverage pays for auto thefts, an area with higher thefts can increase your auto insurance rates per month. Ask about more discounts to learn about discounts that can offset expensive rates.

Your Credit Score

Getting a spotless credit rating will save you greater than 50 percent over motorists who've under perfect credit. As you can tell within the chart below, there are several serious rate hikes connected with getting an undesirable credit rating.

Fort Lauderdale, FL Average Monthly Auto Insurance Rates by Credit ScoreLegend: Excellent Credit Poor Credit 21st centuryAlliedAllstateAmicaLiberty Mutual 255075100125150175200225250275300325350375$167$234$138$236$86$147$145$375$187$256

 

Your Age

The more youthful might be, the harder it is to locate affordable Fort Lauderdale, FL auto insurance. It is because teenage and youthful adult motorists are slim on driving experience, and may enter into accidents due to it. However, if you're still in class, inquire about any Driver's Ed or Good Student car insurance discounts that the provider might have to offer.

Of course, you might actually want the best car insurance in Florida for seniors. Let's look at some numbers.

Fort Lauderdale, FL Average Monthly Auto Insurance Rates by AgeLegend: 34-Year-Old Driver  17-Year-Old Driver 21st centuryAlliedAllstateAmicaLiberty Mutual 50100150200250300350400450$176$268$172$478$93$448$172$255$211$393

 
17-Year-Old Driver

21st century
Allied
Allstate
Amica
Liberty Mutual


50
100
150
200
250
300
350
400
450




$176
$268


$172
$478


$93
$448


$172
$255


$211
$393

 

Your Driving Record

Some auto insurance companies in Fort Lauderdale, FL are a bit more forgiving with regards to serious violations, for example, DUIs. But all insurance firms will raise rates on motorists who've traffic violations on their own record.

For lesser offenses, like speeding tickets or minor accidents, you are able to ask the local agent about Accident Forgiveness discount rates. It can save you between 25-30 percent or even more.

Fort Lauderdale, FL Average Monthly Auto Insurance Rates by Driving RecordLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident 21st centuryAlliedAllstateAmicaLiberty Mutual 255075100125150175200225250275300325350$176$188$258$248$172$181$272$174$93$100$115$129$172$177$217$221$211$256$367$240

 

Your Vehicle

The greater coverage you have to purchase, and also the greater the amounts, the greater costly your insurance costs will end up. For this reason, luxury vehicle insurance coverage is so costly.

In reality, you can risk it and just cover a costly vehicle having a simplistic plan but when anything transpires with your automobile, you will probably be having to pay for repairs or changing it with your personal money.

Fort Lauderdale, FL Average Monthly Auto Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder 21st centuryAlliedAllstateAmicaLiberty Mutual 306090120150180210240270300$176$180$172$217$93$156$172$283$211$305

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Fort Lauderdale Auto Insurance Premiums by Gender and Marital Status

When you're going through the car insurance quote process, you'll find small factors that change your rates. We'll explore these factors in the sub-sections below.

Your Marital Status

Did you ever hear of having discount rates from bundling insurance plans together? Married people get it done probably the most frequently since it is easy to allow them to get discounted rates for transporting some pot policy using their insurance provider. Let's compare auto insurance rates based on marital status.

Fort Lauderdale, FL Average Monthly Auto Insurance Rates by Marital Status
Marital StatusAverage Monthly Auto Insurance Rates
Single$223
Married$223
Divorced$232
Widowed$228
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Single and married drivers in Fort Lauderdale, FL, pay the same rates per month. However, divorced and widowed drivers pay a little more per month.

Your Gender

Who's the safer driver: men, or women? Well, based on most insurance providers, the reply is "neither, really". This describes why increasingly more providers have stopped charging drastically different rates according to gender alone. Let's review Fort Lauderdale car insurance based on gender.

Fort Lauderdale, FL Average Monthly Auto Insurance Rates by Gender
GenderAverage Monthly Auto Insurance Rates
Female$238
Male$232
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Surprisingly, female drivers pay more than male drivers in Fort Lauderdale. Statistically speaking, male drivers are more of a risk behind the wheel. It must mean that women outnumber men in Fort Lauderdale.

Your Driving Distance to Work

Commute times in Fort Lauderdale can vary wildly, with some commutes as short as ten or as long as 35 minutes on average; however, most trips will usually last between 15 and 20 minutes. Less than 75 percent of residents will depend on their own truck or car to get to work, while around nine percent will carpool.

Business automobiles remain 11 to 12 percent more costly to insure, typically, than automobiles meant for private use (driving to college, work, or somewhere fun).

And despite whatever you decide and happen to be told, driving a significantly greater or lower quantity of miles every year will not change your premiums with that much. For the most part, it ranges between 4 and 5 percent.

Your Coverage and Deductibles

Have you noticed how, inside a previous chart, getting comprehensive coverage significantly elevated your payments? Well, one trick to assist steer clear of the rate per month hike would be to lift up your deductible rather.

This can decrease your premium, however, you should most likely place a little money aside just in case you have to pay that greater deductible later on.

Fort Lauderdale, FL Average Monthly Auto Insurance Rates by Deductible
Make & ModelExample Claim AmountLow Deductible Monthly Auto Insurance Rates BasedMonthly Auto Insurance Rates with $500 DeductibleHigh Deductible Monthly Auto Insurance RatesMonthly Auto Insurance Rates with $1,000 DeductibleMonthly Net Savings for High Deductible Plan
Toyota Prius C$1,000$168$210$157$240-$30/month
Jaguar XKR$200$194$211$183$199+$12/month
Ford Taurus SHO AWD$300$161$186$148$173+$13/month
Nissan Sentra$700$164$206$154$213-$7/month
Chevrolet Silverado 1500 LT$500$159$201$152$193+$8/month
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It may not look like you save a lot per month. If you multiply the net savings by 12, you'll see that you could be saving hundreds or spending more than you need.

Education in Ft. Lauderdale, FL

As far as education goes, the most popular form is that of a high school diploma (24 percent). An additional 21 percent of residents have yet to complete their high school education. But did you know that your insurance rates are connected to your educational level? The more you have, the lower your rates will be.

Several major universities have satellite campuses in Fort Lauderdale, and there are plenty of two-year colleges to choose from also. For a four-year degree, students can look into Florida Atlantic University or the Biscayne Bay campus of Florida International University.

Motor vehicle insurance is just about the most critical financial investment you are able to make as a customer. You’ll want to make sure you come across a respectable, dependable provider that can follow through on their claims.

Some motor vehicle insurance providers are usually better at this as opposed to others, and conducting a rigorous internet hunt will help you differentiate the benefits from the undesirable.

Other Facts About Fort Lauderdale, FL

This section will cover facts that are unique to Fort Lauderdale, FL. If you live in Fort Lauderdale, you know how great it is.

Fort Lauderdale Safety Requirements

All passengers must be in a seat belt. However, children three years old and younger must be in a federal-approved child safety seat. Four and five-year-old children must be in a child-restraint seat. The Florida Department of Motor Vehicles mandates all safety requirements.

Fort Lauderdale Impaired Driving

Before talk about impaired driving laws, watch this video of a popular Fort Lauderdale, FL case that landed a man six years behind bars for driving with multiple DUI convictions.

If you're convicted for driving under the influence (DUI/DWI), you could face a $500 fine. DUI conviction fines for drivers under 18 are $1,000. Also, the first DUI conviction comes with 50 hours of community service, a year of probation, up to six months in jail, a revoked driver's license that lasts for 180 days, and a 12-hour DUI course.

Unique Laws in Fort Lauderdale

Did you know Fort Lauderdale has banned hazard light while a vehicle is moving? Drivers in Fort Lauderdale can get a ticket for driving too slow. Also, drivers have to move to the left lane to pass emergency vehicles on the roadside. The most bizarre one of them all is no one is allowed to drive over graves.

Fort Lauderdale, FL Fun Facts

Fort Lauderdale is located on the Atlantic Coast of Florida and less than 30 miles north of Miami. Like its southern neighbor city, it is well known for tourism and nightlife. Additionally, its coastal location and an extensive system of canals make it an ideal location for boating, earning it the nickname “Venice of America”.

Fort Lauderdale is #3 on the list of Top 101 cities with the largest percentage of males that are Physicians and surgeons (population 50,000+).

Fort Lauderdale, Florida Auto Insurance: The Bottom Line

We calculated our average auto insurance rates based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.

Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Are you ready to buy Fort Lauderdale, FL auto insurance? Compare rates on auto insurance around Fort Lauderdale, Florida right now. Just enter your ZIP code below. Which Fort Lauderdale, FL auto insurance company is for you? Find out now.

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