Cheapest Auto Insurance in Fort Lauderdale, Florida (2025)

Located on Florida’s eastern coast, Fort Lauderdale is prone to severe weather events like hurricanes, tropical storms, flooding, and heavy rainfalls.1 This increased risk of property damage can lead to increased car insurance rates.

The average rate of car insurance in Fort Lauderdale is $253 per month for full coverage and $192 per month for liability-only coverage. This is much higher than the national averages of $103 for liability coverage and $182 for full coverage.

Even though car insurance rates in Fort Lauderdale are expensive, you can still compare quotes to find affordable coverage for your needs.

3 of the cheapest car insurance companies in Fort Lauderdale 

Finding the right auto insurance company in Fort Lauderdale for your needs isn’t as simple as finding the cheapest policy. Depending on your budget, driving habits, and coverage needs, the right insurer for you might be one that offers significantly more value for a slightly higher cost than the lowest-priced offer.

Compare how the three following insurers provide coverage ideal for different drivers in Fort Lauderdale.

Best insurer for temporary coverage: Hugo

Best insurer for senior drivers: State Farm

Best insurer for drivers with incidents: GEICO

How to get the cheapest car insurance in Fort Lauderdale

Whether you’re at an age when rates are higher or have a few incidents on your record, you can lower your car insurance premiums in multiple ways. Here’s how to get affordable car insurance for your situation in Fort Lauderdale:

• Raise your deductible. By offering to pay more out of pocket during a claim, your insurer has less financial responsibility and may lower your premium. Just be sure you have enough tucked away to pay the up-front deductible.

• Ask about discounts. Most insurers offer discounts to drivers of all backgrounds, including those who maintain clean driving records, complete driver education courses, or have certain safety features on their vehicles. Contact a car insurance agent to see what common discounts you’ll likely qualify for.

• Bundle your policies. Some insurers offer lower rates to policyholders who buy multiple policies, like renters or home insurance, with your auto insurance.

• Shop and compare. One of the best ways to find cheap car insurance is to get at least three quotes from different insurers for the same coverage level and compare them to find the lowest rate.

Cheapest liability-only car insurance in Fort Lauderdale: State Farm

No matter how often you drive, you need to buy the state’s minimum insurance limits, which insurers refer to as liability-only policies. These policies cover expenses for injuries and damages you cause to another person or property.

Because liability-only policies provide fewer coverages compared to other policy types, they’re typically cheaper and best for drivers who want absolute minimum coverages. The average rate for liability coverage in Fort Lauderdale is $192 per month.

The table below shows the cheapest auto insurers in Fort Lauderdale for liability-only coverage.

Cheapest full-coverage car insurance in Fort Lauderdale: State Farm

While liability-only coverage protects the damages that an at-fault driver causes, some Fort Lauderdale drivers may want additional coverage that pays for damage to their vehicles.

Full-coverage policies aren’t exactly the same from insurer to insurer. But the majority of companies offer full-coverage policies that include liability, collision, and comprehensive coverages. Full-coverage policies are more expensive than liability-only policies because of these extra coverages. The average rate for full coverage in Fort Lauderdale is $253 per month.

Drivers who want reimbursement for flood or weather damage to their cars may want to choose a full-coverage policy. Here are the cheapest car insurance companies for full-coverage policies in Fort Lauderdale.

Car insurance requirements in Florida

Florida is unique in that it’s an at-fault state, so all Fort Lauderdale drivers have to carry personal injury protection (PIP) insurance. PIP coverage pays for damages and injuries to the policyholder no matter who was at fault for the accident.

Along with a minimum PIP limit, drivers must also hold a minimum limit of property damage liability insurance. Florida’s minimum car insurance requirements are as follows:3

Because Florida’s minimum insurance requirements are so limited compared to other state requirements, it’s probably not enough to cover the full extent of your damages and injuries after an accident. Fort Lauderdale drivers should consider adding these optional coverages to their policies for more protection:

Cheapest car insurance for drivers with an incident

While most drivers understand that at-fault accidents will raise their premium, some don’t realize that other incidents, including moving violations, can also affect how much you pay for car insurance in Fort Lauderdale. These incidents include speeding tickets and driving under the influence.

These marks on your driving record make you a high-risk driver, and insurance companies offset their risk by increasing your rates.4 Furthermore, a DUI conviction can result in an FR-44 insurance requirement, which will almost certainly mean higher rates.

Cheapest car insurance for drivers with a speeding ticket: State Farm

Fort Lauderdale drivers may wonder why a speeding ticket can increase their rates if no damage is done and no claim is filed. Because speed is a contributing factor in many fatal car crashes, insurance companies consider a speeding ticket proof of risky driving behaviors.5

Drivers with a ticket in Fort Lauderdale pay an average of $257 per month for liability coverage. But even though your rates may increase after a speeding ticket, you can start your search for affordable car insurance with the following companies.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Of the approximately 393,000 crashes that occurred in Florida in 2022, about 9% happened in Broward County, where Fort Lauderdale is located. Only Miami-Dade County had more reported crashes on its roadways.2

At-fault accidents happen, even when you’re driving as responsibly as possible, and most result in an insurance increase. Fort Lauderdale drivers with an accident pay $238 per month for liability coverage, on average.

Here you can check out the cheapest car insurance companies in Fort Lauderdale for drivers with an accident on their record.

Cheapest car insurance for drivers with a DUI: State Farm

A DUI can affect your car insurance rates more than other incidents, depending on the severity. Having a DUI on your record can also potentially cause your insurance company to not renew your policy at the end of the policy’s term.4

If this is the case, start your search for cheap car insurance after a DUI with the companies below. If you can’t find an insurer willing to provide coverage, you can also apply for Florida’s assigned risk marketplace. The average monthly rate for Fort Lauderdale drivers with a DUI on their record is $249 for liability coverage, but you can find more rates from top insurers in the table below.

Cheapest car insurance for seniors: State Farm

People age 65 and older make up 18% of Fort Lauderdale’s population, and many may notice that their auto rates have increased around age 70.6 Monthly car insurance rates tend to decrease for drivers around age 35 then increase in a driver’s 70s due to health issues that can increase the likelihood of an accident.7

Senior drivers in Fort Lauderdale pay an average of $170 per month for liability coverage.

Here are the cheapest car insurance companies for senior drivers in Fort Lauderdale.

Cheapest car insurance for teens: State Farm

Teen drivers have a higher rate of fatal crashes than older adults, which is why they often have some of the highest car insurance rates, despite clean driving records.8 In Fort Lauderdale, teens pay an average of $330 per month for liability coverage.

Fortunately, teens and young drivers can lower these high premiums. Along with keeping a clean record, teens or parents can ask their insurer about discounts for good grades or for the completion of specific driving courses.

The table below shows the cheapest Fort Lauderdale auto insurance for teens.

Fort Lauderdale car insurance quotes by credit tier

Even though it doesn’t have an effect on your driving habits, Florida allows insurers to use your credit history in determining your premiums. But it can’t be the only factor insurance companies consider during the underwriting process.9 

While they’re not the only influence on your rate, insurers generally provide drivers who have excellent or good credit scores with lower rates and give higher rates to drivers with poor credit scores.

Is car insurance more expensive in Fort Lauderdale?

The average cost of car insurance in Fort Lauderdale is $253 per month for full-coverage policies, which is higher than the state average of $209 and the nationwide average of $182.

Car insurance rates vary by city and ZIP code, so cities with lower populations, like Ocala, tend to be cheaper, and areas of similar congestion, such as Miami, are very close in average rate prices.8

More cities in Florida

Compared to other major Florida cities, auto insurance in Fort Lauderdale is often more expensive, on average. But some cities may only be slightly cheaper and still fall above the Florida state average of $209 per month for a full-coverage policy.

Here’s how average rates compare in some other Florida cities.

Fort Lauderdale car insurance FAQs