Buy Cheap Fort Lauderdale, FL Auto Insurance
The average cost of Fort Lauderdale, FL auto insurance is $488 per month or $5,863 annually. However, your rates depend on your age, driving record, and coverage needs. The cheapest Fort Lauderdale, FL auto insurance company is USAA, followed by State Farm. All Fort Lauderdale residents must carry the Florida minimum auto insurance limits of 10/20/10 in liability coverage plus $10,000 in personal injury protection (PIP) to drive on the roads legally.
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UPDATED: May 21, 2021
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- On average, Fort Lauderdale, FL auto insurance costs $488 per month or $5,863 annually
- USAA offers the cheapest average quotes in your city, followed by State Farm
- Higher than average auto theft statistics negatively impact your city’s regional insurance costs
Fort Lauderdale, FL auto insurance rates are high compared to the average Florida auto insurance costs.
Below, compare actual annual rates from the top Fort Lauderdale providers and learn how to secure cheap auto insurance in your city, regardless of your age, driving record, and coverage needs.
When you’re ready to buy Fort Lauderdale, FL auto insurance, enter your ZIP code into our free quote tool above to start shopping.
What is the cheapest auto insurance company in Fort Lauderdale, FL?
USAA offers the cheapest average Fort Lauderdale, FL auto insurance quotes; however, only military personnel can use this provider.
The cheapest Fort Lauderdale, FL auto insurance company available to everyone is State Farm.
Below, compare the average annual premiums from the top providers in your city:
- USAA – $3,628.46
- State Farm – $4,119.11
- GEICO – $4,988.00
- Nationwide – $5,691.96
- Progressive – $6,535.87
- Liberty Mutual – $7,202.34
- Allstate – $8,876.69
Take these rates with a grain of salt. Your rates depend on your age, driving record, and coverage needs.
Full coverage auto insurance, for example, always costs more than a liability-only policy.
In fact, in Florida, even non-driving factors like gender and marital status affect your total premiums.
To truly secure affordable Fort Lauderdale, FL auto insurance rates, compare quotes from multiple providers online.
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What auto insurance coverage is required in Fort Lauderdale, FL?
Legally, all Fort Lauderdale residents must carry the Florida minimum auto insurance limits to drive on the roads.
Currently, Florida requires the following auto insurance coverages:
- $10,000 per person and $20,000 per incident in bodily injury liability auto insurance
- $10,000 in property damage liability coverage
- An additional $10,000 in personal injury protection (PIP)
Florida is a no-fault state. Your mandatory PIP insurance covers medical bills and lost wages due to an accident, regardless of fault.
What affects auto insurance rates in Fort Lauderdale, FL?
Mild traffic congestion and higher than average auto theft statistics negatively impact your regional Fort Lauderdale insurance costs.
While no data exists specifically for Fort Lauderdale, INRIX ranks the nearby city of Miami as the 9th most congested city in the country.
Many Fort Lauderdale workers commute to Miami daily for work.
According to City-Data, the average commute length for Fort Lauderdale residents is 24 minutes.
Unfortunately, the vehicle theft rate in your city is much higher than the state average, leading to higher regional insurance costs.
The Federal Bureau of Investigation (FBI) recorded 925 stolen cars in your city in 2017. That’s a high rate of 511.1 auto thefts per 100,000 residents.
Fort Lauderdale, FL Auto Insurance: The Bottom Line
Due to overflow traffic from Miami and high local auto theft statistics, Fort Lauderdale insurance prices are high compared to Florida’s.
However, by comparing quotes from multiple companies online and asking about auto insurance discounts, you’ll quickly secure cheap rates.
You can find the best Fort Lauderdale, FL auto insurance company for you right now by entering your ZIP code into our free rate tool below.