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Best cheap car insurance in Fort Lauderdale for 2025
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Best cheap car insurance companies in Fort Lauderdale
The best car insurance in Fort Lauderdale doesn’t just rely on the most affordable rates. We analyzed the most current average rates obtained from Quadrant Information Services, but also looked at each company’s policy offerings, third-party ratings for customer satisfaction from J.D. Power and financial strength ratings from AM Best, among other factors, to assign each company a Bankrate Score. The scores range from zero to 5.0, and the closer a company scored to 5.0, the better it fared in each of our categories.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Bankrate's trusted insurance industry expertise
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
The cheapest car insurance companies in Fort Lauderdale
Average auto insurance rates in Fort Lauderdale are considerably higher than other cities in Florida and are currently 19 percent more than the average cost of car insurance in Florida. Fort Lauderdale is a popular tourist destination that rests right on the Atlantic coastline. Hurricane damage from extreme weather and high traffic density play a major role in this city’s higher rates. Here are the carriers with the cheapest car insurance rates for minimal coverage in Fort Lauderdale.
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|---|---|---|
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$1,362
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$3,837
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$1,298
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$4,600
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$1,603
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$5,023
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$1,142
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$5,223
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How much is car insurance in Fort Lauderdale, FL?
The average cost of car insurance in Florida is $4,125 for full coverage and $1,114 for minimum coverage per year. Drivers living in Fort Lauderdale pay annual rates of $4,891 and $1,394. Keep in mind that the rate you may pay for car insurance in Fort Lauderdale will depend on multiple factors unique to you, such as your age, prior claim history, vehicle and more.
Fort Lauderdale rates for teens
Teen drivers, also referred to as youthful operators in the insurance industry, are considered high-risk drivers in most states and pay a lot more on average than drivers aged 25 and over. It takes time to learn good driving skills, such as avoiding road hazards and adjusting your driving to accommodate weather conditions. However, teens who remain on their parents’ policy instead of getting their own auto insurance right away can usually save a significant amount of money.
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$2,179
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$1,981
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$2,421
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$1,971
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$2,550
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$1,965
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$2,734
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$2,237
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Fort Lauderdale rates for young drivers
As long as they maintain a good driving record, the high car insurance rates Fort Lauderdale teens pay start to decline as they gain more driving experience. When young adults move out on their own, they are usually required by carriers to get a new policy where they are the named policyholder. Car insurance rates for young drivers can still be affordable if they are able to keep discounts like driving training and the good student discount on their policies.
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$2,128
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$1,404
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$2,577
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$1,588
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$2,672
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$1,861
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$3,106
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$1,479
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Fort Lauderdale rates for adults
After age 25, drivers with a good driving record can move into a standard or preferred risk pool where age doesn’t impact premiums as much. In Florida, age is a rating factor the entire time you are a driver so if drivers within your age group tend to start having more accidents, you could still see an increase. But typically, the older you are, the lower your car insurance rates will be, until you reach the age of 60, when your rates might begin to creep back up.
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$1,246
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$1,142
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$1,092
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$1,301
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$1,298
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$1,246
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$1,390
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$1,362
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$1,315
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$1,713
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$1,603
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$1,454
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Fort Lauderdale rates for senior drivers
Fort Lauderdale, and Florida as a whole, has a high concentration of senior drivers. As we get older, it is natural to have hearing, sight, strength, reaction time and recovery time changes. While seniors can make accommodations for these changes in day-to-day life, at some point aging can impact driving ability. When living on a fixed income, high car insurance rates for seniors can be problematic. Completing a senior defensive driving course and choosing a low-mileage insurance policy could help lower rates.
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$1,032
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$1,047
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$1,195
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$1,267
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$1,261
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$1,286
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$1,393
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$1,486
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The cheapest car insurance in Fort Lauderdale by driving record
Auto insurance rates are rising across the country and Florida has some of the highest average costs in the nation. Driving record is one of the most substantial rating factors for car insurance. For those with moving violations or at-fault accidents, rates are even higher. Bankrate’s insurance editorial team analyzed proprietary data provided by Quadrant Information Services to help you find the cheapest Fort Lauderdale car insurance if you’ve had various driving infractions.
Car insurance with a speeding ticket in Fort Lauderdale
Depending on the situation, drivers who receive speeding tickets in Florida can be fined between $500 and $5,000. Since speeding is one of the primary causes of car crashes, a speeding ticket signals risky driving behavior to insurance companies. Drivers who speed in Fort Lauderdale pay 27 percent more than the Florida average for full coverage car insurance and 39 percent more for minimum coverage, on average. Between state fees and high insurance costs, drivers in Fort Lauderdale will want to know where to start their search to find cheaper car insurance.
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$1,142
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$5,223
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$1,298
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$4,600
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$1,727
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$4,478
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$2,124
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$6,580
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Car insurance after an accident in Fort Lauderdale
Drowsy driving, speeding and distracted driving are some of the leading causes of car accidents. In Florida, insurance companies can surcharge your policy for up to three years if you are found at fault for a car accident. The average cost of full coverage car insurance after an at-fault accident in Fort Lauderdale is $6,629 per year. This is 36 percent more than Fort Lauderdale drivers with a clean record pay. To save money during your surcharge period, consider comparing insurance rates from several carriers and review your discount options.
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$1,521
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$6,711
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$2,066
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$6,689
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$2,090
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$5,199
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$2,502
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$7,464
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Car insurance after a DUI in Fort Lauderdale
Not all insurance companies will write policies for drivers with DUIs due to the higher risk of an accident associated with this infraction. In Florida, It is common for drivers who receive DUIs to need an SR-22 or an FR-44 filing for three to five years after the offense. The average cost of full coverage car insurance in Fort Lauderdale after a DUI infraction is $7,340 per year, which is 50 percent more than drivers with a clean record pay here. You may want to start with these carriers if you have a DUI conviction on your record in Fort Lauderdale.
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$1,679
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$6,001
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$1,820
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$7,832
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$1,865
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$5,634
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Minimum coverage requirements in Fort Lauderdale
Florida law states that drivers must carry a minimum of the following car insurance coverage types:
- Property Damage Liability: $10,000
- Personal Injury Protection (PIP): $10,000
These coverage levels are fairly low compared to the minimum amount required in other states, and most insurance experts recommend that you purchase higher levels of coverage along with bodily injury liability (BI) to protect you better financially if you are in a severe accident. While BI is not a requirement in Florida, it can be, depending on your driving record. A driver carrying state minimum coverage that causes an at-fault accident involving bodily injury or death usually requires BI limits of 10/20. Drivers convicted of a DUI are typically required to carry BI limits of 100/300.
Keep in mind, too, that none of the above coverage types will pay for damage to your own vehicle if you cause an accident. For the best financial protection, you may want to consider purchasing full coverage car insurance, which includes comprehensive insurance and collision insurance to cover the cost of repairing your own vehicle after covered incidents.
Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
