Best Fort Lauderdale, FL Auto Insurance in 2024 (Compare the Top 10 Companies)

The best Fort Lauderdale, FL, auto insurance options include State Farm and Progressive, with rates starting as low as $85 per month. These companies offer competitive prices, but if you’re looking for the best cheap auto insurance in Fort Lauderdale, you can’t go wrong with these top picks.

Our Top 10 Company Picks: Best Fort Lauderdale, FL Auto Insurance

State Farm, with its up-close and personal, one-on-one services focused on agent support, and Progressive, with options for the kind of policy you want, will suit different drivers with diverse coverage needs and help ensure the right coverages are chosen.

Get fast and cheap auto insurance coverage today with our quote comparison tool.

#1 – Geico: Top Overall Pick

Pros

• Competitive Rates: Geico offers some of the lowest auto insurance rates in Fort Lauderdale, FL, appealing to budget-conscious drivers. Read our Geico auto insurance review to know more.
• Easy Online Access: Fort Lauderdale customers can easily manage their auto insurance policies online or via Geico’s user-friendly app.
• Discount Variety: Geico offers various discounts for Fort Lauderdale, FL residents, including multi-policy and safe driver savings.

Cons

• Average Customer Service: Geico’s customer service ratings are mixed, which may be a drawback for some Fort Lauderdale auto insurance buyers.
• Limited Local Agents: Fort Lauderdale drivers seeking in-person assistance may find fewer Geico local agents in the area.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#2 – State Farm: Best for Personal Service

Pros

• Local Agent Network: State Farm has numerous agents in Fort Lauderdale, FL, offering personalized auto insurance services.
• Strong Reputation: State Farm is highly regarded nationwide and trusted by many Fort Lauderdale residents. Access our State Farm auto insurance review for a comprehensive understanding.
• Variety of Coverage Options: State Farm offers multiple auto insurance plans to meet Fort Lauderdale drivers’ needs.

Cons

• Higher Rates for Young Drivers: State Farm can be expensive for young drivers seeking auto insurance in Fort Lauderdale, FL.
• Limited Discounts: Compared to competitors, State Farm offers fewer discounts, which may reduce savings for Fort Lauderdale drivers.

#3 – Progressive: Best for Flexible Policies

Pros

• Snapshot Program: Progressive’s Snapshot program offers Fort Lauderdale drivers potential discounts for safe driving habits.
• Customizable Coverage: Fort Lauderdale customers can choose flexible auto insurance options to suit their needs. Progressive auto insurance review.
• Online Tools: Progressive provides extensive online tools to help Fort Lauderdale drivers manage their auto insurance.

Cons

• Price Increases Over Time: Some Progressive policyholders in Fort Lauderdale, FL, may experience premium increases upon renewal.
• Mixed Claim Experiences: Customer feedback on Progressive’s claims process varies, which could concern Fort Lauderdale drivers.

#4 – Allstate: Best for Comprehensive Coverage

Pros

• Extensive Coverage Options: Allstate offers Fort Lauderdale drivers a variety of comprehensive auto insurance plans.
• Local Presence: Fort Lauderdale residents can access local Allstate agents, ensuring in-person support. To expand your knowledge, refer to our full Allstate auto insurance review.
• Safe Driving Discounts: Fort Lauderdale drivers can benefit from Allstate’s discounts for safe driving and bundled policies.

Cons

• Higher Premiums: Allstate’s auto insurance rates are often higher for Fort Lauderdale, FL customers than those of competitors.
• Limited Online Features: Some online services are limited, making it harder for Fort Lauderdale drivers who prefer digital management.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#5 – USAA: Best for Military Families

Pros

• Military-Focused Coverage: USAA specializes in auto insurance for Fort Lauderdale, FL, military families with competitive rates. Read our USAA auto insurance review< to learn more.
• High Customer Satisfaction: USAA is known for its excellent service and high customer satisfaction among Fort Lauderdale military members.
• Tailored Options for Military: USAA provides specialized auto insurance plans for active-duty military and veterans in Fort Lauderdale.

Cons

• Military-Only Access: Only Fort Lauderdale military families and veterans can access USAA, limiting options for other residents.
• Few Physical Locations: USAA’s limited local branches may make in-person service challenging for Fort Lauderdale residents.

#6 – Liberty Mutual: Best for Wide Coverage Options

Pros

• Customizable Policies: Liberty Mutual allows Fort Lauderdale drivers to personalize their auto insurance with various add-ons. For more details, read our Liberty Mutual auto insurance review<.
• Discount Opportunities: Fort Lauderdale residents can access numerous discounts, including good student and multi-policy savings.
• Local Agents Available: Liberty Mutual has a solid network of agents in Fort Lauderdale, FL, who provide in-person auto insurance assistance.

Cons

• Premium Increases: Some Fort Lauderdale policyholders report that premiums can rise significantly over time.
• Mixed Claim Satisfaction: Liberty Mutual claim satisfaction ratings are mixed, which could concern Fort Lauderdale drivers.

#7 – Travelers: Best for Discounts

Pros

• Extensive Discounts: Travelers offers Fort Lauderdale drivers multiple discount options, including safe driving and bundling. Learn more by exploring our Travelers auto insurance review.
• Strong Financial Stability: Fort Lauderdale drivers can rely on travelers’ solid financial backgrounds for their auto insurance needs.
• Flexible Coverage Options: Travelers provides various policy options that can be customized to Fort Lauderdale residents’ needs.

Cons

• Limited Local Offices: Fort Lauderdale residents may need help accessing in-person help due to fewer Travelers offices.
• Higher Costs for Some Drivers: Travelers’ premiums for specific Fort Lauderdale driver profiles can be higher.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#8 – Nationwide: Best for Policy Bundling

Pros

• Bundle and Save: Nationwide offers Fort Lauderdale, FL, residents significant savings when bundling auto and home insurance.
• Vital Customer Service: Fort Lauderdale drivers appreciate Nationwide’s reliable and helpful customer service. Gain deeper insights by reading our Nationwide auto insurance review.
• Good Teen Driver Programs: Fort Lauderdale parents find Nationwide’s teen driver programs helpful for young drivers.

Cons

• Limited Local Presence: Fort Lauderdale, FL residents may need more local Nationwide agents for in-person service.
• Above-Average Rates: Some Fort Lauderdale customers may face higher-than-average auto insurance rates with Nationwide.

#9 – Farmers: Best for Reliable Coverage

Pros

• Multiple Coverage Options: Farmers offers a range of auto insurance options to fit the various needs of Fort Lauderdale drivers.
• Discount Opportunities: Fort Lauderdale, FL residents can access discounts for safe driving, bundling, and vehicle safety features.
• Good Customer Service: Farmers is known for solid customer service, which benefits Fort Lauderdale policyholders. Dig into our Farmers auto insurance review for a complete overview.

Cons

• Higher Premiums for Young Drivers: Farmers in Fort Lauderdale, FL, can be costly for younger drivers.
• Fewer Digital Tools: Fort Lauderdale residents seeking extensive online management tools may need more Farmers.

#10 – The Hartford: Best for Seniors

Pros

• AARP Discounts: The Hartford offers significant auto insurance discounts for AARP members in Fort Lauderdale, FL. For more information, see our The Hartford auto insurance review.
• Robust Customer Support: Fort Lauderdale residents can rely on The Hartford’s dedicated customer service for claims and questions.
• Accident Forgiveness: The Hartford provides accident forgiveness options, which benefit Fort Lauderdale seniors with a clean record.

Cons

• Age Restrictions: Some of The Hartford’s best benefits, like AARP discounts, are restricted to older Fort Lauderdale drivers.
• Limited Coverage Options: Fort Lauderdale drivers seeking a wide variety of policy types may find The Hartford’s options somewhat limited.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Fort Lauderdale, FL Auto Insurance Monthly Rates by Provider & Coverage Level

In Fort Lauderdale, USAA, Geico, and Progressive offer some of the cheapest car insurance rates, though rates vary widely. The average monthly auto insurance cost from major providers ranges from around $85 to over $210, depending on the insurer. Before switching, it’s recommended to research factors like customer service and claims processing.

Fort Lauderdale, FL Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance companies consider various factors for quotes, including gender, location, vehicle type, education, and usage. Since rates differ between providers, it’s wise to periodically compare car insurance quotes in Fort Lauderdale, FL, online. Also, consider discounts and bundling options, such as combining condo and car insurance, which some companies offer in Fort Lauderdale.

Auto Insurance Discounts From the Top Providers in Fort Lauderdale, FL

Are you searching for an affordable auto insurance plan In Fort Lauderdale, FL? Many discounts are available to drivers, including safe driving bonuses, student discounts, and multi-policy savings offered by top auto insurance companies.

Auto Insurance Discounts From the Top Providers in Fort Lauderdale, FL

The discount for auto insurance in Fort Lauderdale can accumulate significantly. You can search for policies that not only fit your budget but also cover your driving preferences by looking through offers from suppliers and selecting packages that fit your lifestyle. Begin comparing discounts to find the best deal for you.

Fort Lauderdale, FL Average Monthly Rate vs. Florida and National Average

Before we discuss what determines car insurance in Fort Lauderdale, FL, let’s examine the city’s average cost and compare it to Florida’s and the national average.

Fort Lauderdale, FL Auto Insurance Monthly Rates vs. Florida & U.S. Average

The national average is much cheaper than the Florida and Fort Lauderdale, FL average rates.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Fort Lauderdale, FL Auto Insurance Coverage Requirements

Remember that there’s a huge difference between what a comprehensive insurance plan covers and what the legal minimum auto insurance policy pays out claims. Here are the requirements for driving legally in Fort. Lauderdale.

Florida's Minimum Requirements for Auto Insurance

If you drive an aged, second-hand vehicle, these state minimums may work for you. More recent cars or automobiles you still pay for will need more coverage.

However, the state average for Florida auto insurance costs is $85 monthly. You can still get some reasonable discount rates. Continue to the next section to learn about cheap car insurance in Fort Lauderdale, FL.

Major Factors in Affordable Auto Insurance in Fort Lauderdale, Florida

You could feel a bit powerless as soon as your auto insurance company in Fort Lauderdale, Florida, is pricing your insurance quote; let’s be honest, most of the aspects they calculate aren’t things you can adjust or control. Fortunately, however, there are a few things you can alter for higher discounts, and you can also compare auto insurance companies to find the best rates, including:

Your ZIP Code

Fort Lauderdale, FL auto insurance companies need to know where you reside (or where you will probably drive a vehicle frequently) to calculate the probability of a major accident.

Everything amounts to a very simple notion: the higher the human population, the greater the number of vehicles on the streets, and also the more opportunities you will have to get in a wreck with or be hit by a different automobile. The population of Fort Lauderdale is 172,389, and the typical family earnings are $49,263.

Which county in Florida has the least expensive auto insurance? Instead of looking at Florida car insurance rates by county, let’s get more specific to Fort Lauderdale.

Automotive Accidents

Be very careful when you’re on the road in Fort Lauderdale – the city has an unusually high rate of fatal accidents. And this isn’t the only reason you should be careful.

Florida Monthly Auto Insurance Rates by City

Your Fort Lauderdale, FL, auto insurance rates may be automatically raised due to accident statistics in your area. Contact your agent to find out if there are any safe driving discounts you can take advantage of.

Fort Lauderdale, FL Fatal Accident Statistics

Also, you should know that accidents can affect your auto insurance rates for five to eight years. The Comprehensive Loss Underwriting Exchange (C.L.U.E.) will keep your accident record in its database.

Fort Lauderdale, FL Report Card: Auto Insurance Premiums

You could pay higher premiums until the accidents have expired from your insurance history.

Auto Thefts in Fort Lauderdale, FL

Many insurance agencies have concerns regarding auto theft; this is especially valid for drivers who live in large urban centers. The greater the number of people, the better the possibility that you may have to submit an auto theft claim.

Since comprehensive coverage pays for auto thefts, an area with higher thefts can increase your monthly auto insurance rates. Ask about more discounts to learn about discounts that can offset expensive rates.

Your Credit Score

A spotless credit rating will save you more than 50% over motorists with perfect credit.

Fort Lauderdale, FL Monthly Auto Insurance Rates by Credit Score

The chart below shows that getting an undesirable credit rating can result in several serious rate hikes.

Your Age

The more youthful it might be, the harder it is to locate affordable auto insurance in Fort Lauderdale, FL. This is because teenage and youthful adult motorists are slim in driving experience and may enter into accidents.

Fort Lauderdale, FL Monthly Auto Insurance Rates by Age

However, if you’re still in class, inquire about any Driver’s Ed or Good Student car insurance discounts that the provider might have to offer.

Your Driving Record

Some auto insurance companies in Fort Lauderdale, FL, are more forgiving regarding serious violations, such as DUIs. However, all insurance firms will raise rates for motorists with traffic violations on their records.

Fort Lauderdale, FL Auto Insurance Monthly Rates by Driving Record

For lesser offenses, like speeding tickets or minor accidents, you can ask local insurance agents about Accident Forgiveness discount rates for more affordable coverage. It can save you between 25-30% or even more.

Your Vehicle

The more excellent coverage you have to purchase and the more significant the amounts, the greater your insurance costs. For this reason, luxury vehicle insurance coverage is so costly.

Fort Lauderdale, FL Monthly Auto Insurance by Make and Model

In reality, you can risk it and cover a costly vehicle with a simplistic plan. Still, when anything transpires with your automobile, you will probably have to pay for repairs or replace it with your money.

Fort Lauderdale Auto Insurance Premiums by Gender and Marital Status

When going through the car insurance quote process, small factors can impact your rates and help you find cheap car insurance rates. We’ll explore these factors in the sub-sections below.

Your Marital Status

Have you ever heard of having discount rates from bundling insurance plans together? Married people get it done the most frequently since it is easy to allow them to get discounted rates for transporting some pot policy using their insurance provider. Let’s compare auto insurance rates based on marital status.

Fort Lauderdale, FL Auto Insurance Rates by Marital Status

Single and married drivers in Fort Lauderdale, FL, pay the same monthly rates. However, divorced and widowed drivers pay a little more.

Your Gender

Who’s the safer driver: men or women? Well, based on most insurance providers, the reply is “Neither.” This describes why increasingly more providers have stopped charging drastically different rates according to gender alone. Let’s review Fort Lauderdale car insurance based on gender.

Fort Lauderdale, FL Auto Insurance Monthly Rates by Gender

Surprisingly, female drivers pay more than male drivers in Fort Lauderdale. Statistically speaking, male drivers are more of a risk behind the wheel. It must mean that women outnumber men in Fort Lauderdale.

Your Driving Distance to Work

Commute times in Fort Lauderdale can vary wildly, with some commutes as short as ten or as long as 35 minutes on average; however, most trips will usually last between 15 and 20 minutes. Less than 75% of residents will depend on their truck or car to get to work, while around 9% will carpool.

Business automobiles remain 11% to 12% more costly to insure than those meant for private use (driving to college, work, or somewhere fun).

And despite whatever you decide and happen to be told, driving a significantly greater or lower quantity of miles yearly will not change your premiums much. For the most part, it ranges between 4% and 5%.

Your Coverage and Deductibles

Have you noticed how, in a previous chart, getting comprehensive coverage significantly elevated your payments? Lifting your deductible is one trick to help avoid the rate per month hike.

This can help with premium reductions on your auto policy; however, you should set aside a little money just in case you have to pay that greater deductible later.

Fort Lauderdale, Florida Auto Insurance Monthly Rates by Deductible Amount

It may seem that you save little each month. However, if you multiply the net savings by 12, you’ll see that you could save hundreds or spend more than you need.

Education in Ft. Lauderdale, FL

In Fort Lauderdale, for example, 24% are high school graduates, and 21% have yet to graduate. A higher education level can reduce the insurance price. Fort Lauderdale has several education options, with significant universities like Florida Atlantic University and the Biscayne Bay campus of Florida International University nearby and two-year colleges.

Fort Lauderdale, FL Auto Accident & Insurance Claim Statistics

You want a stable auto insurance provider with a solid track record standing behind you when you file a claim. We can always do thorough research online to ensure we choose the most reliable car insurance companies in Fort Lauderdale, FL.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Facts About Fort Lauderdale, FL

This section will cover facts unique to Fort Lauderdale, FL. If you live there, you know how great it is. For more information, read our “Auto Insurance Rates by State.”

Fort Lauderdale Safety Requirements

All passengers must wear a seat belt. However, children three years old and younger must be in a federal-approved child safety seat, and four- and five-year-olds must be in a child-restraint seat. The Florida Department of Motor Vehicles mandates all safety requirements.

Fort Lauderdale Impaired Driving

Before talking about impaired driving laws, watch this video of a popular Fort Lauderdale, FL, case that landed a man six years behind bars for driving with multiple DUI convictions.

If you’re convicted of driving under the influence (DUI/DWI), you could face a $500 fine. DUI conviction fines for drivers under 18 are $1,000. Also, the first DUI conviction comes with 50 hours of community service, a year of probation, up to six months in jail, a revoked driver’s license for 180 days, and a 12-hour DUI course.

Unique Laws in Fort Lauderdale

Did you know Fort Lauderdale has banned hazard lights while a vehicle is moving? Drivers can get a ticket for driving too slow. Also, drivers must move to the left lane to pass emergency vehicles on the roadside. The most bizarre one is that no one is allowed to drive over graves.

Fort Lauderdale, FL Fun Facts

Fort Lauderdale is located on the Atlantic Coast of Florida and less than 30 miles north of Miami. Like its southern neighbor, it is well known for tourism and nightlife. Additionally, its coastal location and extensive system of canals make it ideal for boating, earning it the nickname “Venice of America.”

Compare Fort Lauderdale Auto Insurance Rates: Find the Best Fit for Your Profile

We calculated our average auto insurance rates based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and owns his own home.<

The national average was used to calculate the annual miles driven. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Are you ready to buy auto insurance in Fort Lauderdale, FL? Compare rates on auto insurance around Fort Lauderdale, Florida, right now. Just enter your ZIP code below. Which auto insurance company in Fort Lauderdale, FL, is for you? Find out now.