Cheapest Auto Insurance in Pompano Beach, Florida (2025)
With a monthly liability-only rate of $122, State Farm is the cheapest car insurance company in Pompano Beach.
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The average monthly cost of auto insurance in Pompano Beach is $203, much higher than the state average of $181 and the national average of $140, 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.
Quick Facts
Liability-only coverage in Pompano Beach costs an average of $170 per month, and full coverage costs $237 per month.
Pompano Beach drivers pay an average of $2,838 per year for full-coverage car insurance.
State Farm, Mile Auto, and Direct Auto offer the cheapest car insurance 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
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 $170 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 $237 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
If you’re shopping for car insurance coverage in Pompano Beach, Florida, this additional information may help as you research your options.
How much is car insurance in Pompano Beach?
Car insurance in Pompano Beach costs $170 per month for liability coverage and $237 per month for full coverage, according to Insurify data.
Which companies have the cheapest car insurance in Pompano Beach?
State Farm has the cheapest car insurance in Pompano Beach, with a monthly liability-only rate of $122. Mile Auto and Direct Auto also offer affordable liability coverage, with respective monthly rates of $130 and $167.
But the cheapest car insurance company for you will depend on many factors, such as your age, ZIP code, driving record, chosen coverage levels, and type of car you drive.
What are the best car insurance companies in Pompano Beach?
With an AM Best financial strength rating of A++ (Superior), IQ Score of 9.3 out of 5, and competitive rates, State Farm is the best car insurance company in Pompano Beach.
Other top insurers include GEICO and Hugo.
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