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

The average Fort Lauderdale, FL auto insurance rates are $489 per month. The minimum auto insurance in Fort Lauderdale is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Fort Lauderdale, Florida, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Fort Lauderdale, FL for senior drivers are $3,544 per year
  • The most expensive auto insurance company in Fort Lauderdale for teen drivers is Allstate
  • The average commute length in Fort Lauderdale is 27.0 minutes

Fort Lauderdale, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Fort Lauderdale can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Fort Lauderdale, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Fort Lauderdale to other Florida cities, including Cape Coral auto insurance rates, Tallahassee auto insurance rates, and Miami auto insurance rates to see how Fort Lauderdale, Florida auto insurance rates stack up.

Before you buy Fort Lauderdale, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Fort Lauderdale, Florida auto insurance quotes.

Minimum Auto Insurance in Fort Lauderdale, Florida

Fort Lauderdale, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Fort Lauderdale, Florida.

Minimum Required Auto Insurance Coverage in Fort Lauderdale, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Fort Lauderdale, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Fort Lauderdale, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Fort Lauderdale, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,513 $5,256 $4,819 $4,884 $19,001 $20,626 $5,432 $5,483
GEICO $3,918 $3,933 $3,666 $3,666 $7,090 $8,922 $4,324 $4,385
Liberty Mutual $4,953 $4,953 $4,529 $4,529 $10,584 $16,362 $4,953 $6,755
Nationwide $3,971 $3,914 $3,530 $3,657 $9,649 $11,887 $4,378 $4,551
Progressive $4,322 $4,082 $3,695 $3,955 $12,435 $13,542 $5,256 $4,999
State Farm $2,645 $2,645 $2,395 $2,395 $7,380 $9,426 $2,942 $3,123
USAA $2,085 $2,049 $1,956 $1,937 $7,224 $8,361 $2,605 $2,810

Cheap Fort Lauderdale, Florida Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Fort Lauderdale, Florida is a challenge. Take a look at the annual teen auto insurance rates in Fort Lauderdale, Florida.

Annual Auto Insurance Rates for Teen Drivers in Fort Lauderdale, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,001 $20,626
GEICO $7,090 $8,922
Liberty Mutual $10,584 $16,362
Nationwide $9,649 $11,887
Progressive $12,435 $13,542
State Farm $7,380 $9,426
USAA $7,224 $8,361

Cheap Fort Lauderdale, Florida Auto Insurance for Seniors

What are senior auto insurance rates in Fort Lauderdale, Florida? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Fort Lauderdale, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,819 $4,884
GEICO $3,666 $3,666
Liberty Mutual $4,529 $4,529
Nationwide $3,530 $3,657
Progressive $3,695 $3,955
State Farm $2,395 $2,395
USAA $1,956 $1,937

Cheap Fort Lauderdale, Florida Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Fort Lauderdale, Florida compared to the annual auto insurance rates with a clean record in Fort Lauderdale, Florida.

Annual Fort Lauderdale, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,647 $9,179 $10,187 $8,494
GEICO $3,444 $4,430 $6,642 $5,435
Liberty Mutual $5,151 $6,733 $9,836 $7,089
Nationwide $4,843 $5,328 $7,207 $5,390
Progressive $5,107 $7,671 $6,426 $6,939
State Farm $3,761 $4,477 $4,119 $4,119
USAA $2,836 $3,507 $5,195 $2,975

Cheap Fort Lauderdale, Florida Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Fort Lauderdale, Florida is not easy. Compare the annual rates for DUI auto insurance in Fort Lauderdale, Florida to find the best deal.

Annual Auto Insurance Rates After a DUI in Fort Lauderdale, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $10,187
GEICO $6,642
Liberty Mutual $9,836
Nationwide $7,207
Progressive $6,426
State Farm $4,119
USAA $5,195

Cheap Fort Lauderdale, Florida Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Fort Lauderdale, Florida annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Fort Lauderdale, Florida

Insurance Company Poor Fair Good
Allstate $12,452 $7,847 $6,331
GEICO $7,313 $4,384 $3,267
Liberty Mutual $9,309 $6,804 $5,494
Nationwide $7,167 $5,213 $4,696
Progressive $8,495 $6,059 $5,053
State Farm $5,653 $3,689 $3,015
USAA $5,887 $2,894 $2,104

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Cheap Fort Lauderdale, Florida Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Fort Lauderdale, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Fort Lauderdale, Florida to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Fort Lauderdale, Florida

ZIP Code Average Annual Rates
33301 $4,494
33304 $4,492
33305 $4,486
33306 $4,477
33308 $4,477
33309 $4,758
33311 $4,810
33312 $4,762
33315 $4,532
33316 $4,487
33334 $4,528
33394 $4,447

Cheap Fort Lauderdale, Florida Auto Insurance Rates By Commute

Commute length and annual mileage affect Fort Lauderdale, Florida auto insurance. Find the cheapest annual Fort Lauderdale, Florida auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Fort Lauderdale, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $8,619 $9,134
GEICO $4,963 $5,013
Liberty Mutual $6,966 $7,439
Nationwide $5,692 $5,692
Progressive $6,536 $6,536
State Farm $3,972 $4,266
USAA $3,587 $3,670

Cheap Fort Lauderdale, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Fort Lauderdale, Florida? Check out the comparison of annual Fort Lauderdale, Florida auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Fort Lauderdale, Florida

Insurance Company Low Medium High
Allstate $6,717 $9,359 $10,554
GEICO $4,072 $5,165 $5,727
Liberty Mutual $6,537 $7,318 $7,752
Nationwide $4,466 $5,922 $6,688
Progressive $5,487 $6,687 $7,434
State Farm $3,516 $4,218 $4,624
USAA $3,041 $3,782 $4,063

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Best By Category: Cheapest Auto Insurance in Fort Lauderdale, Florida

Compare the cheapest auto insurance companies in Fort Lauderdale, Florida in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Fort Lauderdale, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Fort Lauderdale, Florida Auto Insurance Companies

What auto insurance companies in Fort Lauderdale, Florida are the cheapest? Compare the top Fort Lauderdale, Florida auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Fort Lauderdale, Florida

Insurance Company Average Annual Rates
Allstate $8,877
GEICO $4,988
Liberty Mutual $7,202
Nationwide $5,692
Progressive $6,536
State Farm $4,119
USAA $3,628

What affects auto insurance rates in Fort Lauderdale, Florida?

There are a lot of reasons why auto insurance rates in Fort Lauderdale, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Fort Lauderdale, Florida. Many local factors may affect your Fort Lauderdale auto insurance rates.

Fort Lauderdale Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Fort Lauderdale, Florida auto theft statistics, there have been 870 auto thefts in the city.

Fort Lauderdale Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fort Lauderdale, Florida commute length is 27.0 minutes according to City-Data.

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Compare Fort Lauderdale, Florida Auto Insurance Quotes

Before you buy Fort Lauderdale, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Fort Lauderdale, Florida auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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