Cheapest Auto Insurance in Pompano Beach, Florida (2025)

The average monthly cost of auto insurance in Pompano Beach is $219, much higher than the state average of $182 and the national average of $143, according to Insurify data.

Florida’s high risk for severe weather events — including hurricanes, tornadoes, and flooding — contributes to its elevated insurance costs. As a popular tourist destination, Pompano Beach also has busy roads, which increases the risk of accidents and car insurance claims.

Here’s what you should know about comparing car insurance quotes and finding affordable coverage in Pompano Beach.

3 of the cheapest car insurance companies in Pompano Beach

If you’re looking for the cheapest car insurance policy in Pompano Beach, it’s a good idea to compare multiple insurance companies.

The cost of insurance can vary among insurers and also depends on a variety of personal factors including your age, gender, location, crime rate, driving history, and the type and amount of insurance you want. The best coverage and insurance company for you will depend on your individual needs, budget, and situation.

Best insurer for affordable rates: State Farm

Best insurer for discounts: GEICO

Best insurer for pay-as-you-go coverage: Hugo

How to get the cheapest car insurance in Pompano Beach

How much you pay for car insurance in Pompano Beach depends on several factors, including your age, gender, ZIP code, the car you drive, your driving history, and the type of auto insurance coverage you need.1

If you want to save money on the best insurance coverage, consider the following tips:

• Keep a clean driving record. A clean record with no tickets, accidents, or other incidents can help keep your premiums low.

• Increase your deductible. Increasing your collision or comprehensive deductible can help lower your rates. But make sure you can afford your deductible if you need to file a claim.

• Drive a safe car. In some cases, driving a car with high-quality safety equipment can help you qualify for discounts on your insurance premiums.

• Compare insurance companies. Taking time to get quotes from several insurance companies can help you find the lowest prices and best company for your unique needs.

Cheapest liability-only car insurance in Pompano Beach: State Farm

Most states require drivers to have liability-only coverage. Liability-only coverage typically includes bodily injury liability coverage and property damage liability.

Bodily injury insurance covers the injuries of someone else if you hurt them in an at-fault auto accident. Property damage insurance pays for damages that you cause to another person’s car or property, such as a fence or signpost.

Liability-only car insurance in Pompano Beach, Florida, costs an average of $190 per month. The table below outlines some average monthly quotes for liability-only car insurance.

Cheapest full-coverage car insurance in Pompano Beach: State Farm

If you want to ensure you and your vehicle are covered if you cause an accident, you can purchase additional car insurance. Full-coverage insurance includes liability, comprehensive, and collision insurance. Unlike liability-only insurance, full-coverage insurance covers damage to your vehicle and any injuries you suffer.

Full-coverage car insurance in Pompano Beach costs $247 per month, on average. The following table highlights the cheapest average monthly quotes for full-coverage car insurance.

Car insurance requirements in Florida

Before you can register your vehicle in the state of Florida, you must show proof of personal injury protection (PIP) and property damage liability (PDL) insurance. PIP insurance will cover 80% of medical expenses that result from a covered injury, up to $10,000.2

Florida is one of 12 no-fault states, which means you’ll use your own insurance to cover you and your passengers, regardless of who caused a car accident.3 PDL insurance covers the cost of damages to another driver’s vehicle or property if you cause an accident.

You must have the minimum coverage outlined below — even if you aren’t driving your vehicle — and you must surrender your license plate before canceling your insurance coverage.2

You can also purchase additional coverage for more financial protection, such as:

Cheapest car insurance for drivers with an incident

Maintaining a clean driving record can help keep your insurance premiums low. Having incidents such as speeding tickets, driving under the influence, at-fault accidents, and other moving violations can cause your insurance to increase because insurance companies see you as a higher risk.4

The table below shows how different driving incidents can affect your monthly car insurance rates.

Average cost of car insurance by age

Your age also affects your cost of car insurance. Teen drivers pay the most expensive insurance premiums because they lack years of experience and pose the highest level of risk, with a crash rate almost four times as high as drivers 20 and older.5

Car insurance rates typically decrease around age 35 but increase again around age 70 as senior drivers’ cognitive and visual abilities often begin to decline.6 

The following table shows average monthly quotes for Pompano Beach drivers of different ages.

Pompano Beach car insurance quotes by credit tier

In Florida, insurance companies can use your credit history as one of the factors in determining monthly premiums. Insurance companies use credit-based insurance scores to help predict the likelihood that you’ll file a claim. Industry data shows that people with excellent or good credit are less likely to file a claim than people with poor credit. 

The table below provides average monthly insurance quotes for drivers in different credit tiers.

Pompano Beach car insurance FAQs