Fort Lauderdale Car Insurance

The Zebra
May 30, 2018

Car Insurance in Fort Lauderdale

If you are insuring a vehicle in Fort Lauderdale, understanding premium costs is vital because Fort Lauderdale premiums are recognized for being costly. They are generally $389 greater than Florida's average. Who doesn't like to save money? Check out some methods to save on car insurance in Fort Lauderdale.

  • City Average: $2,267
  • State Average: $1,878
  • National Average: $1,427

Fort Lauderdale Car Insurance by Age

Fort Lauderdale drivers see the largest decrease in premiums when they hit their 20s, as they save an average of 54% from moving out of the teenage age bracket. Rates in Fort Lauderdale continue to trend downward up until drivers hit 60. With car insurance payments of $6,427 on average, teenage drivers have the biggest premiums of any age group. When looking across all age groups, drivers in their 50s have the smallest car insurance premiums. Their rates normally average $2,061 per year. However, those in their 60s ($2,103) aren’t paying much more.

  • Teenagers: $6,427
  • 20s: $2,971
  • 30s: $2,253
  • 40s: $2,206
  • 50s: $2,061
  • 60s: $2,103
  • 70s: $2,561

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Fort Lauderdale Car Insurance by Accident or Violation History

Possessing a clean driving record is vital if you want to keep your premiums low. A DUI will increase your car insurance premiums more than other driving violations. $1,234 is the extra cost per year for drivers with a DUI in Fort Lauderdale, compared to the city average of $2,267. Reckless driving will drive your premiums up as well, with typical rates of $3,474. That is 53% higher than the city average! No one plans on getting into an accident, but life happens, so be aware of how your rates can change after one. Car insurance is an average of $871 more per year in Fort Lauderdale if you have an at-fault accident on your driving record.

  • DUI: $3,501
  • Reckless Driving: $3,474
  • At-fault Accident (damages less than $1000): $3,138
  • At-fault Accident (damages greater than $2000): $3,138
  • Speeding Ticket (16-20 mph over speed limit): $2,955

Fort Lauderdale Car Insurance by Gender and Marital Status

Various driver traits, including marital status and gender, can play a part in car insurance premiums in Fort Lauderdale. Being single can cost you close to $100 more per year compared to being married. Rates for those who are widowed are relatively cheaper than rates for those who are single. Premiums for men and women tend to vary by 2%, with men paying less.

  • Female: $2,312
  • Male: $2,267
  • Single: $2,267
  • Married: $2,168
  • Divorced: $2,267
  • Widowed: $2,214

Fort Lauderdale Car Insurance by Credit Rating

Improving your credit can save you a good bundle of money. Those in the bottom credit tier (300-579) pay an average of more than twice as much for car insurance than those in the top credit tier (800-850). Drivers will see the largest percent drop in premiums when they upgrade their credit from Fair (580-669) to Good (670-739). That change can save them 19% per year.

  • Very Poor: $4,398
  • Fair: $3,593
  • Good: $2,915
  • Very Good: $2,378
  • Exceptional: $1,981