Cheapest Car Insurance Quotes in Fort Lauderdale

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408,850 Policies Sold

Fort Lauderdale Car Insurance

^$ 89

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Fort Lauderdale

The car insurance rate in Fort Lauderdale is $2122 for a six-month policy, which is $411 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1340, making it a popular choice for budget-conscious drivers. Rates in Fort Lauderdale can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Fort Lauderdale

$2122

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Fort Lauderdale

1st place: Travelers

At $1340 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1400 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1466 for six months, making it the third cheapest auto insurance company in Fort Lauderdale.

Fort Lauderdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Lauderdale, FL is Travelers, offering policies at just $1340 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1400.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2961 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Lauderdale drivers find the best deals.

Cheap Car Insurance Companies in Fort Lauderdale, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1340	$226
State Farm	$1400	$236
Nationwide	$1466	$247
United Automobile Ins Group	$1694	$288
UAIC	$1871	$315
Progressive	$2210	$372
Mercury	$3197	$533
Allstate	$3219	$542
MetLife	$1864	$317
Farmers	$2961	$494

Key Takeaways

Way's key takeaways about car insurance in Fort Lauderdale

The auto insurance costs in Fort Lauderdale fall around $1340 for six months.
The cheapest auto insurance company in Fort Lauderdale is Mercury.
Teen drivers pay the highest rate in Fort Lauderdale at $1712 per month.

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Cheapest Minimum Liability Car Insurance in Fort Lauderdale

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Fort Lauderdale are given below.

Mercury provides the cheapest minimum car insurance coverage in Fort Lauderdale. Their Average 6 Month Premium is $531. Farmers is the most expensive at $817 for the same period.

Cheapest Liability Coverage in Fort Lauderdale, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$531	$89
Nationwide	$589	$100
MetLife	$619	$103
AIG	$692	$118
United Automobile Ins Group	$892	$149
Travelers	$1032	$174
State Farm	$1525	$257
Progressive	$2548	$429
Allstate	$2858	$481
UAIC	$3337	$568
Patrons Insurance	$155	$26
Farmers	$817	$136

Cheapest Full Coverage Car Insurance in Fort Lauderdale

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Fort Lauderdale is Travelers at $226 per month and $1340 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Lauderdale, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1340	$226
State Farm	$1400	$236
Nationwide	$1466	$247
United Automobile Ins Group	$1694	$288
UAIC	$1871	$315
Progressive	$2210	$372
Mercury	$3197	$533
Allstate	$3219	$542
MetLife	$1864	$317
Farmers	$2961	$494

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Average Car Insurance in Fort Lauderdale by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Fort Lauderdale, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Fort Lauderdale, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Fort Lauderdale's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Fort Lauderdale

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Fort Lauderdale,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Fort Lauderdale at $112 per month. At $10069 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$671	$112
AIG	$906	$154
Travelers	$2423	$408
State Farm	$2991	$503
United Automobile Ins Group	$4176	$696
UAIC	$4279	$728
Allstate	$6364	$1071
Mercury	$7852	$1322
Progressive	$11542	$1943
Farmers	$10069	$1712

Teen Car Insurance Rates in FL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Fort Lauderdale, Nationwide is the cheapest car insurance provider. At $802 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Fort Lauderdale is Farmers, offering rates of around $4096 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$802	$136
Mercury	$877	$146
Direct General Insurance	$914	$155
UAIC	$1879	$312
Travelers	$2225	$374
Progressive	$5945	$991
Allstate	$6364	$1083
State Farm	$7969	$1328
Farmers	$4096	$697

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Car Insurance Rates with An Accident in Fort Lauderdale

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Fort Lauderdale, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Lauderdale

The cheapest car insurance companies after an at-fault accident in Fort Lauderdale include Nationwide and AIG, offering $847 and $1083, respectively. Farmers is an expensive provider with an average six-month premium of $4132.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$847	$141
AIG	$1083	$184
State Farm	$1370	$231
Travelers	$1393	$234
United Automobile Ins Group	$2202	$367
Mercury	$2275	$383
UAIC	$2460	$410
Progressive	$4059	$683
Allstate	$5627	$947
Farmers	$4132	$688

Fort Lauderdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Lauderdale FL. For example, the car insurance in Fort Lauderdale after a DUI increases to $1163 for a six month policy. While the rate increases by $353 for a six-month policy in the case of a speeding ticket.

Fort Lauderdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2262	$377
One Med/PIP claim	$2262	$384
Not-at-fault accident	$2445	$408
Two Med/PIP claims	$2512	$427
One comp claim	$2548	$425
Child safety restraint	$2556	$434
Failure to wear a seat belt	$2556	$427
Driving without lights	$2563	$435
Failure to show documents	$2563	$428
Speeding 6 - 10 MPH over limit	$2615	$445
Improper passing	$2623	$436
Passing school bus	$2623	$446
Wrong way/wrong lane	$2623	$436
Failure to stop at a red light	$2630	$448
Failure to yield	$2630	$438
Illegal turn	$2630	$448
Cell phone violation	$2637	$439
Driving with expired registration	$2637	$449
Following too closely	$2637	$439
Texting while driving	$2644	$450
Two comp claims	$2703	$450
Driving too slowly	$2718	$463
Speeding in school zone	$2718	$453
Speeding 11 - 15 MPH over limit	$2726	$464
In 65 MPH zone	$2821	$470
Speeding 16 - 20 MPH over limit	$2821	$480
Speeding 21 - 25 MPH over limit	$2836	$472
Open container	$2866	$487
Operating a vehicle without permission	$2866	$477
At-fault accident - less than $1000	$3109	$528
At-fault accident - $1000-$2000	$3160	$527
At-fault accident - greater than $2000	$3160	$537
Racing	$3417	$569
DUI	$3425	$583
Refusal to submit to a chemical test	$3425	$570
Driving with a suspended license	$3484	$593
Reckless driving	$3558	$593
Leaving scene of an accident/hit and run	$3595	$611

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Fort Lauderdale after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Fort Lauderdale.

The cheapest car insurance premiums in Fort Lauderdale are offered by AIG at $796 for a six-month policy. However, it can be as expensive as $3367 with companies like Farmers.

Fort Lauderdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$796	$135
Travelers	$1525	$257
State Farm	$1893	$319
Progressive	$2099	$353
Allstate	$2843	$479
UAIC	$3337	$556
Farmers	$3367	$560

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Fort Lauderdale are offered by Nationwide at $692. However, it can be as expensive as $3595 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Fort Lauderdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$692	$115
State Farm	$1105	$186
Travelers	$1363	$229
UAIC	$1879	$320
Allstate	$2032	$342
Progressive	$4773	$811
Farmers	$3595	$611

Car Insurance Price Trends in Fort Lauderdale, Florida

Car insurance rates in Fort Lauderdale have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Fort Lauderdale rose by $351 in March compared to $317 of February. In other words, there has been an increase by $34 when you compare March and February.

The average cost of liability insurance in the Fort Lauderdale rose to $238 in March, compared to $103 in February. This represents an increase of $135 when comparing March and February.

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Average Car Insurance Cost in Fort Lauderdale by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Fort Lauderdale. At $2206 for a six-month policy, insuring your car at 33351 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
33351	$2206	$370
33314	$2185	$366
33315	$2142	$359
33334	$2185	$366
33312	$2248	$377
33313	$2270	$380
33332	$2142	$359
33311	$2312	$387
33330	$2142	$359
33331	$2185	$366
33319	$2227	$373
33316	$2142	$359
33317	$2206	$370
33325	$2185	$366
33326	$2185	$366
33304	$2164	$362
33301	$2142	$359
33323	$2164	$362
33324	$2227	$373
33321	$2227	$373
33322	$2206	$370
33309	$2206	$370
33308	$2185	$366
33305	$2142	$359
33327	$2164	$362
33306	$2121	$355
33328	$2185	$366

Frequently Asked Questions

How much is car insurance in Fort Lauderdale?

The car insurance in Fort Lauderdale is $89 per month, which is lower than the national average.

What is the cheapest car insurance in Fort Lauderdale?

The cheapest car insurance in Fort Lauderdale is $226 per month for full coverage.

How much is car insurance in Fort Lauderdale for teenagers?

Car insurance for teenagers costs $671 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Fort Lauderdale?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $356 per month to insure your car in Fort Lauderdale.

Is car insurance expensive in Fort Lauderdale?

Car insurance can be expensive in Fort Lauderdale if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Fort Lauderdale can be affordable.

Cheapest Car Insurance Quotes in Fort Lauderdale

Why you can trust Way?

How Much Is Car Insurance in Fort Lauderdale

Avg. Car Insurance in Fort Lauderdale

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Fort Lauderdale

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Fort Lauderdale Car Insurance Rates by Company

Cheap Car Insurance Companies in Fort Lauderdale, FL

Way's key takeaways about car insurance in Fort Lauderdale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fort Lauderdale

Cheapest Liability Coverage in Fort Lauderdale, FL

Cheapest Full Coverage Car Insurance in Fort Lauderdale

Cheapest Full Coverage Car Insurance Quotes in Fort Lauderdale, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fort Lauderdale by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Fort Lauderdale, FL increasing?

Car Insurance Premiums by Age in Fort Lauderdale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fort Lauderdale,FL

If you are in your twenties N/A is the best choice for car insurance in Fort Lauderdale.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Fort Lauderdale

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Lauderdale

Fort Lauderdale Car Insurance Rates by Violation

Fort Lauderdale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fort Lauderdale after a DUI

Fort Lauderdale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fort Lauderdale after Speeding ticket

Car Insurance Price Trends in Fort Lauderdale, Florida

Average Car Insurance Cost in Fort Lauderdale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fort Lauderdale, FL

Car Insurance Rates by State in the USA (2025 Update)

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