Fort Lauderdale's average full coverage car insurance costs $238 per month. Rates range from $234 to $728, depending on driver details and vehicle type. The table below includes average premiums for various driver profiles to help drivers understand potential costs.
Fort Lauderdale, FL, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Fort Lauderdale: Key Takeaways
Fort Lauderdale's cheapest car insurance companies include Travelers, State Farm and Nationwide.
Travelers is the cheapest option for car insurance, with rates starting at $73 per month for minimum coverage and $153 for full coverage.
On average, car insurance costs $107 per month for minimum coverage and $238 for full coverage.
Car Insurance Quotes in Fort Lauderdale, FL
| Young Drivers | $127 | $301 |
| Teens | No Data | $728 |
| Seniors | $104 | $234 |
| Drivers With a Speeding Ticket | $134 | $313 |
| Drivers With a DUI | $153 | $353 |
| Drivers With An Accident | $165 | $383 |
| Bad Credit | $174 | $378 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Fort Lauderdale vs. State Average
Florida
State Average Full Coverage Rate
$2,567
Fort Lauderdale, FL
City Average Full Coverage Rate
$2,858More:$291 more
This is 11% more expensive.
What Is the Average Car Insurance Rate in Fort Lauderdale?
In Fort Lauderdale, full coverage car insurance costs about $2,858 per year, while state minimum coverage is around $1,290 yearly. These rates are higher than the Florida averages, where full coverage is $2,567 and state minimum coverage is $1,191.
| State Average | $1,191 | $2,567 |
| Fort Lauderdale Average | $1,290 | $2,858 |
Cheapest Car Insurance Companies in Fort Lauderdale
Even with rising premiums in the Sunshine State, you can find cheap car insurance in Fort Lauderdale. Travelers offers the lowest rate at $73 per month for minimum coverage and $153 for full coverage.
WHY CAR INSURANCE IN FORT LAUDERDALE IS EXPENSIVE
Car insurance is expensive in Fort Lauderdale due to high traffic density and accident rates. It ranks as one of the costliest cities for car insurance in the state. Across Florida, factors like a high number of uninsured drivers, frequent personal injury lawsuits and insurance fraud contribute to steep premiums.
Cheap Car Insurance in Fort Lauderdale
Travelers often provides the cheapest car insurance, but rates vary for each driver. The best way to find affordable coverage is by comparing quotes from different providers. Below is a table showing the cheapest rates for various driver profiles.
| Travelers | Minimum Coverage | $73 |
| Travelers | Full Coverage | $153 |
| State Farm | Teens | $370 |
| Travelers | Young Adults | $129 |
| Travelers | Seniors | $109 |
| Nationwide | Bad Credit | $222 |
| State Farm | Drivers With a DUI | $140 |
| State Farm | Drivers With An Accident | $152 |
| State Farm | Drivers With a Speeding Ticket | $140 |
Car Insurance Rates in Fort Lauderdale by Company
To find affordable car insurance, compare rates from different companies. Below, we detail the cheapest minimum and full coverage plans in Fort Lauderdale.
Cheapest Car Insurance Companies for Minimum Coverage in Fort Lauderdale
Travelers offers the cheapest minimum coverage auto insurance at $73 per month. GEICO follows closely with a rate of $77 monthly. The table below breaks down the most affordable options.
| Travelers | $73 | $34 |
| GEICO | $77 | $31 |
| State Farm | $84 | $24 |
| Allstate | $96 | $12 |
| Mercury | $97 | $10 |
| Nationwide | $106 | $2 |
Cheapest Car Insurance Companies for Full Coverage in Fort Lauderdale
Travelers offers the cheapest full coverage car insurance in Fort Lauderdale at $153 per month. Below is the full list of providers and their rates.
| Allstate | $208 | $30 |
| GEICO | $229 | $9 |
| Nationwide | $212 | $27 |
| State Farm | $163 | $75 |
| Travelers | $153 | $85 |
Car Insurance Companies in Fort Lauderdale
Travelers offers the lowest rate at $1,360 annually, while State Farm is the top affordable choice with a MoneyGeek score of 83. Check the table below for more options.
| State Farm | 83 | $1,480 |
| Mercury | 82 | $2,183 |
| Travelers | 77 | $1,360 |
| Nationwide | 74 | $1,904 |
| Progressive | 69 | $1,749 |
| Allstate | 68 | $1,820 |
| GEICO | 68 | $1,836 |
| Farmers | 62 | $2,427 |
| Direct General Insurance | 36 | $3,096 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Fort Lauderdale by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $2,858 per year for 40-year-olds and $2,807 annually for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $6,164 | $-1,860 |
| 17 | $6,117 | $-1,812 |
| 18 | $5,275 | $-970 |
| 19 | $5,106 | $-801 |
| 20 | $5,265 | $-960 |
| 21 | $4,167 | $138 |
| 22 | $4,232 | $73 |
| 23 | $4,338 | $-33 |
| 24 | $4,099 | $206 |
| 25 | $3,613 | $-853 |
| 40 | $2,858 | $-98 |
| 65 | $2,807 | $-47 |
Cheapest Car Insurance for Teens in Fort Lauderdale
Nationwide offers the cheapest overall car insurance for teens in Fort Lauderdale, costing $382 monthly, saving $90 compared to the state average. The table below highlights other affordable providers for this age group.
| Nationwide | $382 | $90 | $651 |
| State Farm | $407 | $65 | $370 |
| Allstate | $436 | $36 | $1,233 |
| GEICO | $461 | $11 | $501 |
| Travelers | $485 | $-13 | $691 |
| Progressive | $561 | $-89 | $690 |
| Farmers | $573 | $-101 | $963 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Fort Lauderdale
Travelers offers the cheapest minimum coverage for young drivers at $81 per month in Fort Lauderdale. For full coverage, Travelers is also the most affordable option at $176 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| Travelers | Minimum Coverage | $81 |
| Travelers | Full Coverage | $176 |
| Nationwide | Bad Credit | $260 |
| State Farm | Drivers With a DUI | $163 |
| Travelers | Drivers With An Accident | $175 |
| State Farm | Drivers With a Speeding Ticket | $163 |
Cheapest Car Insurance Companies for Young Drivers in Fort Lauderdale
Travelers offers the most affordable auto insurance for young drivers at $129 per month. The table below shows other companies with competitive rates.
| Travelers | $129 | $85 |
| State Farm | $143 | $70 |
| Allstate | $165 | $49 |
| Nationwide | $186 | $28 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Fort Lauderdale
GEICO and State Farm offer Fort Lauderdale's most affordable car insurance options for seniors. Rates vary based on personal factors. The table below shows the cheapest providers for different driver and coverage profiles.
| GEICO | Minimum Coverage | $71 |
| Travelers | Full Coverage | $148 |
| Nationwide | Bad Credit | $207 |
| State Farm | Drivers With a DUI | $129 |
| State Farm | Drivers With An Accident | $141 |
| State Farm | Drivers With a Speeding Ticket | $129 |
Cheapest Car Insurance for Seniors in Fort Lauderdale
Travelers offers the cheapest monthly premium for seniors at roughly $107 for both minimum and full coverage. State Farm follows $114. TThe table below shows the top car insurance providers for seniors in Fort Lauderdale.
| Travelers | $109 | $60 |
| State Farm | $114 | $56 |
| GEICO | $143 | $27 |
| Nationwide | $148 | $21 |
| Allstate | $159 | $10 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Fort Lauderdale
In Fort Lauderdale, high-risk drivers pay more for car insurance than the state average. Minimum coverage costs $1,809 annually, while full coverage is $4,197. Bad credit and DUIs lead to the highest rates. Accidents and speeding tickets have a smaller impact on costs.
| State Average | $1,651 | $3,718 |
| Fort Lauderdale Average | $1,809 | $4,197 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Most minor driving incidents, like a not-at-fault accident or a speeding ticket in Fort Lauderdale, are taken into account by insurers for a few years. For more serious offenses such as a DUI, insurers may consider them longer, and you might need to file an SR-22 insurance or FR-44 insurance to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Fort Lauderdale
State Farm offers the cheapest minimum coverage for drivers with a DUI in Fort Lauderdale at $1,146 per year and at $2,208 per year for full coverage. Check out the table below for more low-cost coverage options.
| State Farm | $96 | $184 |
| Travelers | $125 | $265 |
| Farmers | $146 | $293 |
| Allstate | $130 | $300 |
| Progressive | $140 | $306 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Fort Lauderdale
State Farm, Travelers and GEICO offer the cheapest auto insurance after an at-fault accident in Fort Lauderdale. The table below shows various providers offering affordable coverage.
| State Farm | $104 | $201 |
| Travelers | $108 | $227 |
| Nationwide | $157 | $312 |
| GEICO | $118 | $368 |
| Allstate | $174 | $398 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Fort Lauderdale
State Farm is the cheapest car insurance provider for drivers with a speeding ticket in Fort Lauderdale, offering minimum coverage at $96 and full coverage at $184 monthly. The table below shows how much other providers charge drivers with speeding tickets.
| State Farm | $96 | $184 |
| Travelers | $102 | $217 |
| Allstate | $100 | $218 |
| Nationwide | $127 | $252 |
| Mercury | $133 | $395 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Fort Lauderdale
Mercury offers the most affordable rates for drivers with bad credit in Fort Lauderdale, with $145 for minimum coverage and $430 for full coverage. Nationwide follows with $148 for minimum coverage and $295 for full coverage. See the table below for other affordable options.
| Nationwide | $148 | $295 |
| Travelers | $160 | $314 |
| Farmers | $167 | $319 |
| Mercury | $145 | $430 |
| GEICO | $161 | $479 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Fort Lauderdale, FL
In Florida, each city requires that the car insurance minimums are set by statewide mandates. Here's what your policy needs at a minimum:
- $10,000 for property damage liability per accident.
- $10,000 personal injury protection (PIP) per person
If you're in a car accident in Fort Lauderdale, this minimum coverage will help pay for injuries and damage up to these amounts, keeping you financially protected.
Cheap Car Insurance in Fort Lauderdale: Bottom Line
Travelers offers the cheapest car insurance in Fort Lauderdale at $73 for minimum coverage and $153 for full coverage. Regardless of your age or credit, affordable options are available. Ensure your policy meets Florida requirements, including bodily injury and property damage liability. Compare providers to secure budget-friendly coverage that complies with state laws.
Fort Lauderdale Auto Insurance: FAQ
We answer common questions about finding the cheapest and best car insurance options in Fort Lauderdale.
What is the cheapest car insurance company in Fort Lauderdale, FL?
Travelers offers the cheapest car insurance in Fort Lauderdale, with rates as low as $73 per month, saving you $34 on average.
What is the best car insurance company in Fort Lauderdale, FL?
State Farm, with a MoneyGeek score of 83 out of 100, offers competitive car insurance premiums in Fort Lauderdale, with an annual cost for minimum coverage at $1,480.
How much does car insurance cost on average in Fort Lauderdale, FL?
The average cost of minimum coverage auto insurance in Fort Lauderdale ranges from $107 to $238 per month.
Best Cheap Car Insurance in Fort Lauderdale: Our Methodology
MoneyGeek analyzed Killeen auto insurance prices using the Florida Department of Insurance and Quadrant Information Services data.
Fort Lauderdale Driver Profile
To assess the best and most affordable auto insurance options for Fort Lauderdale residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Fort Lauderdale
In assessing the car insurance quotes for Fort Lauderdale, we gathered data for policies that meet Florida's insurance requirements:
The minimum coverage requirements in Florida are:
- $10,000 for property damage liability per accident
- $10,000 personal injury protection (PIP) per person
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Florida providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Fort Lauderdale
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes from insurance companies in Fort Lauderdale for the average driver of various ages who is driving a Toyota Camry with a clean record.
For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.