The average cost of car insurance in Fort Lauderdale in 2021 is $1,442 per year for minimum liability coverage and $2,973 per year for full coverage. Of the almost 229 million licensed drivers in the country, there are more than 15.5 million drivers in Florida. Fort Lauderdale is located in Florida’s Broward County.

Compare rates and save on auto insurance today!

Close X
Advertising Disclosure
This advertisement is powered by, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age

Save on auto insurance with quotes from trusted providers like:


Drivers switch & save an average of $750+/year

Liberty Mutual

Are you overpaying for auto insurance?


Safe drivers choose Allstate®

Powered by (NPN: 19966249)
Insurance Disclosure, LLC is a licensed insurance producer (NPN: 19966249). services are only available in states where it is licensed. may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

See more providers in
Choose from insurers in

We used 2021 average rates, policy offerings, customer support, financial stability, and available resources to pick some of the best car insurance companies for your family. Based on our in-depth analysis, these are the best cheap car insurance companies in Fort Lauderdale in 2022.

Best car insurance companies in Fort Lauderdale

The five companies for the cheapest car insurance in Fort Lauderdale include Geico, State Farm, Allstate, Progressive and Direct General.

Insurance company J.D. Power customer satisfaction score Average annual premium for minimum coverage Average annual premium for full coverage
Geico 846/1000 $1,042 $2,502
State Farm 826/1000 $1,199 $2,277
Allstate 851/1000 $1,359 $2,963
Progressive 834/1000 $1,637 $2,938
Direct General N/A $1,768 $3,501


Geico is a car insurance company known for its affordability. Its potential discounts are generous, allowing you to possibly save up to 40% for having an airbag, up to 26% for five years accident-free and up to 25% when you have an anti-theft system or insure multiple cars from the same household. Geico also receives strong financial stability scores with an A++ (Superior) rating from AM Best, signaling reliable and prompt claims. If you need additional coverage, you may want to explore options for personal injury protection, emergency road service and rental reimbursement coverage.

State Farm

State Farm offers car rental coverage with travel expenses reimbursement with optional roadside assistance coverage. It receives top scores for financial stability with an A++ (Superior) rating from AM Best. Plus, there are excellent mobile tools when you need to control your policy on the go. To save money, check out discounts that include its Drive Safe & Save and Steer Clear® programs. If you have any student drivers in the house, they may earn up to 25% off with the good student discount, while home and car insurance bundles might save up to 25% off total premiums.


Allstate offers plenty of local agents to help you customize your policy. There are additional coverage options that include sound system insurance, roadside coverage, personal umbrella policy and rental reimbursement coverage. A financial rating of A+ (Superior) from AM Best also signifies reliable claims processing when you need to file a car insurance claim. Allstate’s car insurance discounts include discounts when you buy a new car, as well as programs like the Allstate eSmart® discount, FullPay® discount, and safe driving club.


Progressive can be a great choice for high-risk drivers in Florida with helpful online and mobile tools. It also receives an A+ (Superior) rating from AM Best for financial stability. There are excellent coverage options that include free coverage for pet injuries, loan/lease gap insurance, rideshare coverage when you drive for Uber or Lyft and a deductible savings bank. Progressive also has several car insurance discounts that include accident forgiveness, continuous insurance, and its signature Snapshot program with the Name Your Price® Tool.

Direct General

Direct General may not be as well-known as other providers, but it can be one to consider when you are a high-risk driver who has trouble finding coverage elsewhere. It believes in accident forgiveness, providing coverage for all types of insurance histories. Direct General also lets you choose your payment terms, including the date and amount. It might also give you up to 25% in savings when you are a safe driver or bundle multiple products. There is also 24/7 claims service and roadside assistance with available SR-22 insurance.

Cheapest car insurance in Fort Lauderdale

Insurance in Fort Lauderdale is less expensive than national costs. While the average cost of car insurance in the U.S. costs $1,674 per year, Fort Lauderdale residents save an average of about $230 in comparison. The average cost of Fort Lauderdale car insurance is $1,442 per year.

In addition to offering some of the cheapest car insurance in Florida, Geico, State Farm, Allstate, and Progressive also hold the largest market share in the state.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $1,042 $2,502
State Farm $1,199 $2,277
Allstate $1,359 $2,963
Progressive $1,637 $2,938

Fort Lauderdale insurance requirements

Drivers in Fort Lauderdale must follow Florida car insurance laws, which stipulate that drivers must carry the following amount of minimum coverage:

  • Bodily injury liability coverage: $10,000 per person and $20,000 per accident
  • Property damage liability coverage: $10,000
  • Personal injury protection (PIP) coverage: $10,000

Because Florida is a no-fault state, drivers must carry personal injury protection (PIP) in addition to their standard bodily injury and property damage insurance.

If you lease or finance your vehicle, you may be required to carry more than just state minimum liability coverage so the entire value of your vehicle is protected. You might also want more coverage for your own peace of mind.

Car insurance discounts in Fort Lauderdale

Fort Lauderdale drivers in the Sunshine State can earn car insurance discounts, such as these:

  • Payment discounts, such as paid in full, auto-pay, early renew, and advance quote
  • Individual discounts, such as student, occupational, and organizational discounts
  • Military discounts for active duty and veteran insurance
  • Safety discounts for safe driver, defensive driving and a claims-free record

Car insurance companies may have exclusive programs to help you lower your car insurance premiums. For example, Geico works with more than 500 organizations, alumni and special-interest groups to offer those members additional discounts. Liberty Mutual offers discounts on insurance for teachers, while Farmers extends its program to also include doctors and public safety officers. Allstate helps drivers stay safe with its Drivewise and teenSMART driver programs, while Progressive offers its Snapshot telematics-based discount. Before you purchase a new insurance policy, you may want to ask about what discounts may help reduce the total cost of your car insurance.

Frequently asked questions

What is the best car insurance company?

Several of the cheapest car insurance companies in Fort Lauderdale are also among the best car insurance companies in the U.S., including Geico and State Farm, as well as others like USAA and Amica. Ultimately, the best car insurance company for you will depend on the coverage you need for your vehicle.

How much does car insurance in Fort Lauderdale cost?

The average car insurance policy in Fort Lauderdale costs $1,442 per year for minimum liability coverage and $2,973 per year for full coverage. However, the cost of your car insurance policy will depend on several rate factors, including your state, age, gender, credit score and claims history.

How much car insurance do I need in Fort Lauderdale?

Florida residents in Fort Lauderdale must carry a minimum of car insurance including $10,000 per person and $20,000 per accident in bodily injury liability coverage, $10,000 in property damage liability coverage, and personal injury protection (PIP) coverage of $10,000.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.