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Pompano Beach, FL Car Insurance

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How much is the auto insurance rate in Pompano Beach?

The average car insurance cost in Pompano Beach is $2,875 per year. It is more expensive than the state’s average rate of $2,297 and the nation’s average of $1,541. However, various factors are assessed when insurers calculate your car insurance rate. Thus, every driver acquires different car insurance rates in Pompano Beach. Your marital status, driving history, credit tier, age, and location are the most common aspects that drive your annual car insurance cost in Pompano Beach.

If you want savings on your car insurance in Pompano Beach, it is best to compare the rates from different companies. Hence, compare rates from different insurance companies in Pompano Beach according to your location, age, driving history, credit tier, and marital status and choose one that best fits your unique driving history.

Pompano Beach Car Insurance Costs by Company

Every car insurance company in Pompano Beach offer unique policies and rates. GEICO by far offers the cheapest car insurance in Pompano Beach with an average rate of $210 per month. Maintaining a clean driving history will keep your car insurance rates to stay on the average.

Insurance CompanyAnnual RateMonthly Rate
GEICO$2,525$210
State Farm$2,532$211
MetLife$2,678$223
Progressive$3,222$269
Allstate$4,001$333

Florida Cheapest Car Insurance Rates For Minimum Coverage

If you are looking for an auto insurance company in Florida that offers competitive car insurance cost with minimum coverage. 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

Pompano Beach Auto Insurance Rates by Age Bracket

Another factor insurers in Pompano Beach evaluate is the driver’s age. Drivers within the age range of 50+ typically pay cheaper auto insurance premiums in contrast to other age groups. Teenagers, however, pay the most for car insurance in Pompano Beach. However, when teens reach the age of 20, a huge decrease in their car insurance rates will reflect immediately.

Pompano Beach Car Insurance Rates Per Age Group

Age GroupAnnual RateMonthly Rate
Teenagers$8,265$689
20s$3,676$306
30s$2,877$240
40s$2,821$235
50s$2,643$220
60s$2,702$225
70s$3,301$275

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

In Florida, younger drivers are seen as inexperienced and high-risk drivers. That is why teenagers pay the most expensive car insurance rates in Florida. But, if you are a young driver who has never been in an accident, several auto insurance companies in Florida will provide less expensive car insurance 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

Pompano Beach Car Insurance Premiums By Gender and Marital Status

Apart from the driver’s age, marital status and gender are also other factors that influence your car insurance rates. Most married couples and widowed drivers in Pompano Beach pay cheaper auto insurance rates compared to those who are single. While married couples are considered responsible drivers compared to single drivers, their gender also affects their overall auto insurance premiums. On the other hand, Male drivers in Pompano Beach are considered low-risk drivers. Thus, female drivers pay more than males for car insurance in Pompano Beach.

Pompano Beach Car Insurance Premiums by Marital Status and Gender

Marital Status/GenderAnnual RateMonthly Rate
Male$2,892$241
Female$2,975$248
Single$2,788$232
Married$2,788$232
Divorced$2,892$241
Widowed$2,837$236

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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 much cheaper car insurance rates in Florida than any other marital statuses. 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

Pompano Beach Auto Insurance Rates After an Accident or Violation

A good driving record will help minimize your car insurance rate in Pompano Beach. However, one at-fault accident in Pompano Beach can cause your premiums to substantially increase. Additionally, acquiring speeding tickets, and reckless driving citations will also render expensive car insurance rates. Thus, maintaining a good driving record in Pompano Beach will keep your premiums low and close to the average of $240 monthly.

Pompano Beach Car Insurance Rates For High-Risk Drivers

Driving ViolationAnnual RateMonthly Rate
DUI/DWI$4,289$357
Reckless Driving$4,427$369
At-Fault Accident (less than $1000 damages)$4,001$333
At-Fault Accident (more than $1000 damages)$4,001$333
Speeding Ticket$3,633$303

Florida Average Auto Insurance Costs With One At-Fault Accident

One at-fault accident will drive your car insurance rates in Florida up. The increase will depend on the value of the damages acquired. However, there are car insurance companies around Florida that offer less expensive car insurance 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

Getting a speeding ticket is a serious offense in Florida. Reckless drivers will immediately carry expensive auto insurance premiums after a ticket. However, some insurance companies around the state provide cheap car insurance premiums for high-risk 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

Pompano Beach Auto Insurance Rates by Credit Tier

Another factor that impacts your car insurance cost is your credit tier. Pompano Beach auto insurance companies assess your credit level upon calculating your car insurance rates. Building your credit from Very Poor to Exceptional will give you savings up to 59% annually on your car insurance rates. Hence, maintaining a good credit score can help maintain your car insurance rate on the average scale.

Pompano Beach Car Insurance Premiums by Credit Tier

Credit LevelAnnual RateMonthly Rate
Very Poor$5,876$490
Fair$3,579$298
Good$2,888$241
Very Good$2,601$217
Exceptional$2,298$2192

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Florida Average Car Insurance Rates by Poor Credit with Minimum Coverage

Several car insurance companies in Florida provide cheap car insurance premiums with minimum coverage for drivers with poor credit. 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

Florida Average Car Insurance Rates For Good Drivers With Poor Credit

Your credit score is another factor that impacts your auto 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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Pompano Beach Car Insurance FAQs

  • Is there a penalty to reinstate my car insurance policy in Pompano Beach?

    Yes. If you have failed to comply with your car insurance policy; hence, you were suspended, you will be subject for penalties if you wish to reinstate your policy.

  • What is the basic car insurance coverage in Pompano Beach?

    • Personal Injury Protection (PIP)
    • Bodily Injury Liability 
    • Uninsured or Under-Insured Motorist
    • Collision Coverage
    • Comprehensive Coverage 
    • Property Damage Liability

  • How do car insurance companies in Pompano Beach determine my car insurance needs?

    Insurers in pompano Beach will typically assess the value of your asset, the model of your car, your driving skills and how often you drive, and how many passengers you will have in your car.

  • How do car insurance companies in Pompano Beach assess my risk?

    Typically, auto insurance companies in Pompano calculate the risks of the driver by using the Risk Assessment Indicator tool. This tool provides numerical facts based on the credits and information provided. 



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