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Ross Martin

Manager, Content Quality

  • Licensed Insurance Agent — Property and Casualty

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers…

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Kristine Lee

Manager, Content and Data

  • Licensed Insurance Agent — Property and Casualty

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much is auto insurance in Fort Lauderdale?


The typical Fort Lauderdale driver pays $2,786 per year for car insurance. That's more than the statewide average in Florida ($2,309) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Fort Lauderdale.

Fort Lauderdale Average (annual) Florida Average United States Average
$2,786 $2,309 $1,548
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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 free car insurance quotes based on your driving profile.

Company Average Yearly Rate
State Farm $2,019
GEICO $2,577
Progressive $3,191
Allstate $3,780

Want to know more? Check out our guides discussing how to get the best cheap car insurance and which car insurer topped The Zebra Customer Satisfaction survey.


Auto insurance premiums by age in Fort Lauderdale

Fort Lauderdale drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $2,545 per year, on average. Those in their 60s don't pay much more ($2,602).

Teen 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 group Average Annual Rate
Teenagers $7,989
20s $3,561
30s $2,774
40s $2,717
50s $2,545
60s $2,602
70s $3,187

Learn more about the impact of age on auto insurance rates.


Fort Lauderdale car insurance premiums by gender and marital status


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers in Fort Lauderdale pay $110 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Fort Lauderdale, widowed drivers pay less than those who are single.

Gender is another factor that can influence auto insurance rates. In Fort Lauderdale, female drivers pay $66 per year more than do male drivers for car insurance.

Gender/Marital Status Average Annual Rate
Female $2,852
Male $2,786
Single $2,676
Married $2,676
Divorced $2,786
Widowed $2,734

Read more about the relationships between gender, marital status and insurance rates.


Fort Lauderdale auto insurance rates by driving history


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/Violation Average Yearly Rate
DWI/DUI $4,186
Reckless Driving $4,324
At-fault Accident (damages less than $1,000) $3,872
At-fault Accident (damages > $2,000) $3,872
Speeding Ticket (16-20 mph over speed limit) $3,538

Learn more about how citations can raise your auto insurance rates.


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 $2,152 decrease in yearly insurance premiums.

Credit Level Average Rate (annual)
Very Poor $5,587
Fair $3,435
Good $2,786
Very Good $2,515
Exceptional $2,225

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.


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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 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.