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Fort Lauderdale, FL Car Insurance

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How Much Does Car Insurance Cost in Fort Lauderdale?

Fort Lauderdale’s average car insurance rate yearly is $2,766 per year. It is substantially higher than the state’s average rate of $2,297 and the nation’s average of $1,541. However, every driver acquires a unique car insurance rate depending on their driving record. Several factors insurers evaluate when calculating your car insurance rate. Your marital status, driving history, credit tier, age, and location are the most common aspects that influence your annual car insurance cost in Fort Lauderdale.

If you wish to earn savings on your car insurance, comparing the rates of several companies will help you determine the one that best fits your driving history. Thus, extensively comparing different policies that are parallel to your location, age, driving history, credit tier, and marital status will help you save a lot on your car insurance premiums in Fort Lauderdale.

Fort Lauderdale Car Insurance Costs by Company

Every car insurance company in Fort Lauderdale offers diverse policies and rates. State Farm offers the most competitive car insurance price in Fort Lauderdale with an average rate of $2,002 annually. If you maintain a clean driving history, it is likely for your car insurance rates to stay on the average scale.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,002$167
GEICO$2,567$214
MetLife$2,666$222
Direct Auto$3,179$265
Allstate$3,771$314

Florida Cheapest Car Insurance Rates For Minimum Coverage

If you are looking for an insurance company in Florida that offers the cheapest car insurance cost, there are several companies that provide minimum car insurance coverage at a competitive price. State Farm by far offers the best deal when it comes to purchasing car insurance with minimum coverage.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,528$211
GEICO$3,206$267
Direct Auto$3,266$272
Allstate$3,911$326
MetLife$5,222$435

Fort Lauderdale Auto Insurance Rates by Age Bracket

Your age greatly influences your car insurance rates in Fort Lauderdale. Drivers in Fort Lauderdale within the age range of fifty to sixty pay cheaper auto insurance premiums compared to other age groups. Teenagers, however, pay the highest car insurance in Fort Lauderdale. On a brighter note, when teens reach the age of 20, a big amount of decrease in their premiums will apply immediately.

Fort Lauderdale Car Insurance Rates Per Age Group

Age GroupAnnual RateMonthly Rate
Teenagers$7,977$665
20s$3,552$296
30s$2,766$231
40s$2,701$225
50s$2,532$211
60s$2,597$216
70s$3,176$264

Florida Cheapest Full Coverage Insurance Rates For Young Drivers With Clean Driving History

In Florida, teen drivers are considered high-risk drivers. That is why they pay the most expensive car insurance rates in Florida. But, if you are a young driver without any driving violation, several auto insurance companies in Florida that provide less expensive premiums.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,001$167
GEICO$2,487$207
MetLife$2,877$240
Allstate$3,922$327
Direct Auto$3,201$267

Fort Lauderdale Car Insurance Premiums By Gender and Marital Status

Your marital status and gender are other aspects that impact your car insurance rate in Fort Lauderdale. Married couples and widowed drivers in Fort Lauderdale usually pay relatively cheaper rates compared to other marital statuses. While married couples are considered responsible drivers compared to single drivers, their gender also affects their overall auto insurance premiums. Thus, females pay more than males for car insurance in Fort Lauderdale.

Fort Lauderdale Car Insurance Premiums by Marital Status and Gender

Marital Status/GenderAnnual RateMonthly Rate
Male$2,777$231
Female$2,843$237
Single$2,654$221
Married$2,654$221
Divorced$2,777$231
Widowed$2,722$227

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Florida Cheapest Car Insurance Rates For Married Couples

As was mentioned, married couples pay cheaper car insurance rates in Florida. Married couples are considered financially stable and low-risk drivers. Thus, they are given cheaper car insurance rates in Florida. MetLife by far offers the cheapest auto insurance rates for married couples.

Insurance CompanyAnnual RateMonthly Rate
MetLife$2,374$198
State Farm$2,721$227
GEICO$3,022$252
Direct Auto$3,233$269
Allstate$3,333$278

Fort Lauderdale Auto Insurance Rates After an Accident or Violation

Maintaining a good driver profile will substantially help in minimizing your Fort Lauderdale car insurance costs. One at-fault accident can cause your premiums to significantly increase. Even acquiring speeding tickets, and reckless driving citations are considered a risk. Thus, maintaining a good driving record in Fort Lauderdale will keep your premiums low and close to the average of $2,776 per year.

Fort Lauderdale Car Insurance Rates For High-Risk Drivers

Driving ViolationAnnual RateMonthly Rate
DUI/DWI$4,175$348
Reckless Driving$4,314$360
At-Fault Accident (less than $1000 damages)$3,863$322
At-Fault Accident (more than $1000 damages)$3,863$322
Speeding Ticket$3,524$294

Florida Average Auto Insurance Costs With One At-Fault Accident

Typically, one at-fault accident will increase your car insurance rates in Florida. Depending on the value of the damages caused, drivers who have been in at least one at-fault accident will carry more expensive auto insurance rates in Florida. However, there are car insurance companies that offer cheap premiums to high-risk drivers.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,033$169
GEICO$2,821$239
MetLife$3,237$270
Direct Auto$3,411$284
Allstate$3,962$330

Florida Average Car Insurance Rate After A Ticket

Receiving a speeding ticket is a serious offense in the state of Florida. The state takes road safety seriously; thus drivers will pay more on their auto insurance premiums after a ticket. However, some insurance companies around the state provide cheap car insurance premiums to reckless drivers in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,902$159
GEICO$2,955$246
MetLife$2,721$227
Direct Auto$3,163$264
Allstate$2,811$234

Fort Lauderdale Auto Insurance Rates by Credit Tier

Your credit score can also affect your car insurance rate. It is another factor Fort Lauderdale auto insurance companies look at when calculating your auto insurance costs. Building your credit from Very Poor to Exceptional will give you savings up to 59% annually on your car insurance rates. Hence, keeping a good credit score is one way for your rates to stay on the average in Fort Lauderdale.

Fort Lauderdale Car Insurance Premiums by Credit Tier

Credit LevelAnnual RateMonthly Rate
Very Poor$5,579$465
Fair$3,424$285
Good$2,776$231
Very Good$2,501$208
Exceptional$2,215$185

Florida Average Car Insurance Rates by Poor Credit with Minimum Coverage

Several car insurance companies in Florida provide cheap premiums for drivers with poor credit who want to purchase car insurance with minimum coverage. State Farm offers the cheapest car insurance rates with minimum coverage in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,989$166
GEICO$1,955$163
United Auto$2,671$223
Direct Auto$1,298$108
Allstate$2,244$187

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Florida Average Car Insurance Rates For Good Drivers With Poor Credit

Your credit score is one of the aspects that impact your car insurance rates in Florida. Having a poor credit score can increase your car insurance premiums. However, if you are a good driver with poor credit, there are several car insurance companies in Florida that offer cheap coverage despite the poor credit tier.

Insurance CompanyAnnual RateMonthly Rate
Direct Auto$2,528$211
United Auto$3,206$267
State Farm$3,266$272
GEICO$3,911$326
Allstate$5,222$435

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Fort Lauderdale Car Insurance FAQs

  • I was in a car accident in Fort Lauderdale and my auto insurance provider will not give me comprehensive coverage, what must I do?

    It is best for you to review your policy and closely look into the coverage that you are paying for. Check every detail meticulously to see if you are being compensated fairly.

  • I was in an accident in Fort Lauderdale and the other party was clearly at-fault and was given a ticket. I contacted the at-fault driver’s car insurance company and will not validate my claim because the report was not filed to them. What is the best thing to do?

    It is an obligation for the insurance company if the at-fault driver is under their policy. Thus, make sure to get a hold of your car insurance provider in Fort Lauderdale and let them know about the situation.

  • Is it possible for my car insurance provider in Fort Lauderdale to cancel my coverage if I failed to pay the late charges but never failed to pay my premium?

    No. Insurance companies only cancel policies when car insurance premiums are not paid but not the late charges issued.

  • How long will it take for me to get my refund if I cancel my policy with my car insurance provider in Fort Lauderdale?

    The standard timeframe in Florida for canceled policies is 30 days.

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