Fort Lauderdale, FL Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Fort Lauderdale.
How much is auto insurance in Fort Lauderdale?
The typical Fort Lauderdale driver pays $1,393 every six-months for car insurance. That's more than the statewide average in Florida ($1,154) and more expensive than the national average of $880. Keep reading to learn more about how much you can expect to pay based on your age, credit score, and other common factors in Fort Lauderdale.
| Car insurance in Fort Lauderdale vs. Georgia | Average 6 Mo. Premium |
|---|---|
| Fort Lauderdale average | $1,393 |
| Florida average | $1,154 |
The Zebra's key takeaways about car insurance in Fort Lauderdale:
- The average cost of a car insurance policy in Fort Lauderdale is $1,393 per six-month policy — $232 per month.
- The cheapest company in Fort Lauderdale is State Farm ($1,009).
- 48% of Zebra customers in Fort Lauderdale stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Fort Lauderdale auto insurance costs by company
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Fort Lauderdale, State Farm provides the most affordable rates for the typical insurance customer. See below the best options for affordable auto insurance in Fort Lauderdale. Don't forget to get car insurance quotes based on your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| State Farm | $1,009 |
| GEICO | $1,288 |
| Progressive | $1,595 |
| Allstate | $1.890 |
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Fort Lauderdale.
Auto insurance premiums by age in Fort Lauderdale
Our data tells us that drivers between the ages of 20-29 make up 29% of Fort Lauderdale drivers. Fort Lauderdale drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,272 per six-months on average. Those in their 60s don't pay much more ($1,301).
Teenage drivers pay Fort Lauderdale's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Fort Lauderdale is to age out of your teenage years. The difference in rates paid by teenage drivers and drivers in their 20s in Fort Lauderdale is $4,428, the largest such difference between any two age groups.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $3,994 |
| 20s | $1,780 |
| 30s | $1,387 |
| 40s | $1,358 |
| 50s | $1,272 |
| 60s | $1,301 |
| 70s | $1,593 |
Fort Lauderdale car insurance costs by credit score
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. Fort Lauderdale drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 60% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Fort Lauderdale, improving your credit to "Fair" could help you earn a $1,076 decrease in six-month insurance premiums. Our data tells us 37% of drivers in Fort Lauderdale have a credit score of good (680-719).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $2,793 |
| Fair | $1,717 |
| Good | $1,393 |
| Very Good | $1,257 |
| Exceptional | $1,112 |
Fort Lauderdale auto insurance rates by violation
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Fort Lauderdale, a reckless driving citation results in an average insurance rate increase of $1,538 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $1,400 increase, and a speeding ticket triggers a $752 rate hike.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $2,093 |
| Reckless Driving | $2,162 |
| At-fault Accident (damages less than $1,000) | $1,936 |
| At-fault Accident (damages > $2,000) | $1,936 |
| Speeding Ticket (16-20 mph over speed limit) | $1,769 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.