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Car Insurance in Fort Lauderdale

Comprehensive, accident, liability, uninsured or underinsured motor vehicle, and medical costs are just a few of the coverage options available to many drivers. Your insurance requirements will differ depending on the vehicle you want to insure and your budget. has a lot of possibilities. We insure a wide range of vehicles, including antique automobiles and off-road vehicles. We might be able to assist them in their defense.

How Much Does Car Insurance Cost in Fort Lauderdale?

The average vehicle insurance premium in Fort Fort Lauderdale is $2,798 per year. This is more expensive than the Florida statewide average ($2,321) and the national average of $1,560. 

Fort Lauderdale Annual Average Florida Average United States
$2,798 $2,321 $1,560

Fort Lauderdale Auto Insurance Rates by Company

The greatest method to save money on auto insurance is to compare quotes from as many companies as possible before choosing the one that offers the best deal. For the average insurance customer in Fort Fort Lauderdale, State Farm offers the cheapest prices.

Companies in Fort Lauderdale Average Annual Premium
State Farm $2031
Progressive $3203
All-state $3792

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Fort Lauderdale Auto Insurance Premium Rates by Age Group

Drivers in their 50s in Fort Lauderdale have comparatively low vehicle insurance rates, paying an average of $2,557per year. Those in their 60s don't pay much more ($2,614) than those in their 50s.

Teen drivers have the highest auto insurance rates in Fort Lauderdale. As a driver in Fort Lauderdale, one of the simplest methods to cut your auto insurance costs is to pass your adolescent years. In Fort Lauderdale, the gap in rates between teen drivers and drivers in their 20s is $4,428, the biggest such differential between any two age groups.

Age Group Average Annual Premium
Teenagers $8001
20s $3573
30s $2786
40s $2729
50s $2557
60s $2614
70s $3199

Fort Lauderdale Auto Insurance Premium Rates by Marital Status

The marital status and gender of a driver may have an impact on the vehicle insurance rates they pay in some situations. In Fort Lauderdale, married drivers pay $110 less for car insurance than single drivers. In many places, married drivers pay less for vehicle insurance than single drivers. Rates for widowed people are likewise significantly lower than for single people. Interestingly enough, widower drivers in Fort Lauderdale pay less than single drivers.

Marital Status Average Annual Premium
Married $2688
Divorced $2798
Widowed $2746

Fort Lauderdale Auto Insurance Premium Rates by Gender

Another element that can affect auto insurance prices is gender. Female drivers in Fort Lauderdale pay $66 more per year for vehicle insurance than male drivers.

Gender Average Annual Premium
Female $2594
Male $2798

Fort Lauderdale Auto Insurance Premium Rates by Driving Records

Maintaining a spotless driving record can help you save money on vehicle insurance. Car insurance prices rise as a result of at-fault collisions, DWIs, reckless driving fines, and speeding tickets. Low-risk drivers are rewarded by insurance companies with lower rates.

Reckless driving and DUI are two of the most expensive driving offenses in terms of insurance. When compared to the citywide average, a reckless driving citation increases the average insurance rate by $1,538 per year in Fort Lauderdale. A DUI conviction leads to a $1,400 rate rise, whereas a speeding citation results in a $752 rate increase.

Incident/ Violation Average Annual Rate
DUI/ DWI $4198
Reckless driving $4336
At-fault accident (damages <$1000) $3884
At-fault accident (damages >$2000) $3884
Speeding ticket (16-20 mph overspeed limit) $3550

Fort Lauderdale Auto Insurance Premium Rates by Credit Score

Credit has a significant role in insurance rating. Drivers with a poor credit history often pay more for vehicle insurance than those with good credit. Drivers in Fort Lauderdale who raise their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save up to 60% on their car insurance. Moving from "Very Poor" to "Fair" credit is a significant step toward lower vehicle insurance premiums. Improving your credit to "Fair" in Fort Lauderdale might save you $2,152 on your annual insurance premiums.

Credit Score Average Annual Rate
Very Poor $5599
Fair $3407
Good $2798
Very Good $2527
Exceptional $2237

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Fort Lauderdale Auto Insurance Premium Rates by Zip Code

Not only does the amount of insurance required by your state vary, but your auto insurance premiums might also vary considerably depending on your zip code. When setting your prices, automobile insurance companies evaluate the risk of insuring drivers in certain cities, taking into account factors such as population, accident rate, crime rate, and weather.

Zip code Average Annual Rate
33308 $1242
33309 $1674
33312 $2118

What would increase the car insurance in Fort Lauderdale?

Car insurance providers use aspects you can't control, including your age and gender, as well as your vehicle's year, make, and model, as well as your residence, credit score, marital status, and driving record, when calculating your annual cost.

Auto theft Statistics in Fort Lauderdale

Year Auto thefts per 10000
2006 1032
2007 877
2008 852
2009 699
2010 648
2011 613
2012 602
2013 579
2014 686
2015 815
2016 930
2017 937
2018 882
2019 874

Accident Statistics in Fort Lauderdale

Criteria Average Count per year(2016-2019)
Fatal accident 16
Vehicles involved in fatal accidents 26
Fatal accidents involving drunk people 3
Fatalities 17
Persons involved in fatal accidents 35
Pedestrians involved in fatal accidents 6

Useful Information for Driving in Fort Lauderdale

Try eco-driving: Improved vehicle technology that enables drivers to maximize fuel efficiency underpins eco-driving, which reduces emissions, lowers operating expenses, and improves safety.

Opt for public transport: If you're staying in Fort Lauderdale for a few days and want to go around the city, renting a car is a smart alternative. You can travel anytime you want, but it is unquestionably more expensive than using public transportation.

In the USA, foreigners are permitted to drive for up to 4 months using their regular driver's license. The only drawback to driving in Fort Lauderdale is the congested traffic; all major car rental agencies have headquarters there. Just don't drive during rush hour.

Learn About Your Main Roads: I-95 is the principal thoroughfare entering and leaving Fort Lauderdale. This route runs the entire length of the eastern United States; both natives and visitors utilize it to travel to work.

With Broward BCycle, explore Fort Lauderdale: With the help of the bike-sharing programme Broward BCycle, you may discover Fort Lauderdale in an enjoyable, healthy, and cost-effective manner. From Pompano Beach to Hollywood, there are about 20 stations that store regular and electric bicycles.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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


How to find the best car insurance in Fort Lauderdale? is one of the best car insurance providers in Fort Lauderdale. State Farm, All-State, and Progressive are some of the other major providers.  For more assistance, you may get in touch with us at 408-598-3338.

Is car insurance expensive in Fort Lauderdale?

The cost of insurance in Fort Lauderdale is lower than the national average. In comparison to the national average of $1,686 per year for vehicle insurance, Fort Lauderdale residents save an average of $230 per year. The average cost of auto insurance in Fort Lauderdale is $1,454 per year.


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