Cheapest and Best Car Insurance Companies in Davie, FL

Your car insurance costs may change based on your driving history, age, coverage requirements and other factors.

GEICO is the cheapest car insurance company in Davie for minimum and full coverage policies. It’s also the least expensive provider for military-affiliated drivers.

Meanwhile, State Farm has the lowest rates if you have a driving violation. Nationwide and GEICO have the lowest prices for female and male teens, respectively.

If you’re looking for minimum coverage car insurance, the most affordable options in Davie are:

• GEICO: $527 per year
• Mercury: $825 per year

Meanwhile, Direct General Insurance is the most expensive provider, with an average yearly cost of $1,492 for its minimum coverage policies.

GEICO also offers the cheapest car insurance in Florida, with an average cost of $485 per year as of October 2022. Its average rates are lower statewide because location can change car insurance rates.

The minimum coverage requirements for liability insurance in Florida are set by state law. They cover property damage and personal injury and have the following required limits:

• $10,000 property damage liability per accident
• $10,000 personal injury protection

Personal injury protection pays for medical and rehabilitation costs, loss of income and funeral expenses if you’re liable during an accident.

For example, if you have $10,000 in personal injury protection, your insurance company pays for damages up to that amount. If the amount owed exceeds $10,000, you must pay the remaining out-of-pocket cost.

MoneyGeek’s research shows the following companies offer the cheapest rates in Davie for full coverage car insurance:

• GEICO: $1,413 per year
• State Farm: $1,605 per year

Conversely, at approximately $2,939 per year, Direct General Insurance offers the priciest full coverage policies in the city.

State Farm provides Florida’s cheapest full coverage car insurance, with an average rate of $1,058 per year as of October 2022. Its average prices in Florida are cheaper than its rates in Davie, which shows how location impacts car insurance prices.

A full coverage car insurance policy offers broader protections to your vehicle. It enhances the limits included in a minimum coverage policy and adds comprehensive and collision coverage.

• Collision Coverage: This insurance covers damages to your vehicle after an accident, like a collision with another car or object.
• Comprehensive Coverage: This insurance pays for damages to your vehicle from non-collision incidents, such as theft or weather damage.

If you’re driving a newer car, we suggest buying full coverage insurance to protect your investment. But if you have an older vehicle, the extra cost of full coverage insurance may not be worth the benefits.

These car insurance providers offer the cheapest policies in Davie if you have a driving violation:

• Speeding Ticket: State Farm ($1,820 per year)
• At-Fault Accident: State Farm ($1,981 per year)
• DUI: State Farm ($1,820 per year)

Meanwhile, these companies charge the highest rates for drivers with a bad driving record:

• Speeding Ticket: Progressive ($3,274 per year)
• At-Fault Accident: Allstate ($4,599 per year)
• DUI: Nationwide ($4,616 per year)

Even though you’re buying from an affordable car insurer in Davie, you can expect higher rates if you have a driving violation.

Driving violations can lead to higher car insurance premiums. In addition, more severe violations often get higher surcharges.

For example, if you have a DUI in Davie, you can expect to pay $390 more than someone with a speeding ticket. Nonetheless, you can shop around for cheap auto insurance with a bad driving record.

Based on MoneyGeek’s research, the most affordable car insurance in Davie for teen drivers on a family policy are:

• Nationwide: $4,776 per year for female teens; $5,376 per year for male teens
• GEICO: $4,930 per year for female teens; $4,990 per year for male teens

Progressive and Travelers offer the priciest auto insurance for teen drivers. They cost roughly $7,291 and $7,316 per year for female and male teen drivers, respectively.

Male teens are usually considered riskier drivers than their female counterparts, so they get charged higher premiums. However, the difference in rates declines in early adulthood.

If you're getting car insurance for a teen driver, purchasing a separate policy for them can be significantly costlier. A more economical solution would be adding the teen driver to your family policy. This can help you save approximately $4,940 per year if you’re insuring a male teen driver.

Shopping around for cheap auto insurance for teens can also lead to significant savings.

According to MoneyGeek’s analysis, the providers with the cheapest full coverage auto insurance for drivers with military affiliations in Davie are:

• GEICO: $1,413 per year
• State Farm: $1,605 per year

Additionally, USAA is an affordable auto insurer for veterans, military personnel and their families.

Regarding minimum coverage policies for drivers with a military background, GEICO and Mercury offer the cheapest policies in Davie. Their policies average $527 and $825 per year, respectively.

Getting car insurance quotes online can be time-consuming and require you to provide a lot of personal information. On average, it can take you 15 minutes to get a quote from just one provider.

Instead of going through such a tedious process, you can use MoneyGeek's car insurance calculator. Our tool gives you estimates instantly based on your age, vehicle, driving history and desired coverage level, saving you time and effort.

The ideal car insurance for you will depend on your priorities, including the importance you place on service, affordability, coverage and other considerations.

MoneyGeek has determined the best car insurance companies in Davie for various popular categories:

• Best overall: GEICO (MoneyGeek score 75 out of 100)
• Best for service: Travelers (MoneyGeek score 60 out of 100)
• Best cheap: GEICO (MoneyGeek score 78 out of 100)

A company's MoneyGeek score may fluctuate based on the emphasis placed on various categories.

Although GEICO is our highest-scoring insurer in Davie, State Farm is our pick for Florida's best car insurance provider. Again, this shows how location can significantly affect car insurance prices.

MoneyGeek's analysis shows you'll find the best auto insurance in Davie from these providers:

• GEICO: MoneyGeek score 75 out of 100 ($1,413 per year)
• State Farm: MoneyGeek score 72 out of 100 ($1,605 per year)

GEICO stands out as the overall best option in Davie thanks to its low premiums and top-notch customer service. This shows GEICO doesn’t compromise on its service quality for its affordable prices.

If price isn't an issue, these are the best car insurance providers in Davie when it comes to customer service:

• Travelers: MoneyGeek score 60 out of 100 ($1,809 per year)
• State Farm: MoneyGeek score 58 out of 100 ($1,605 per year)

We pick Travelers for its strong customer satisfaction reputation and the variety of add-on coverages it offers. Those factors make it the perfect choice for drivers who value customer service highly.

Travelers provides above-average service at a relatively affordable price. Choosing this company can give you more bang for your buck.

Based on our assessment of the affordability and service quality of car insurance policies meeting Florida's minimum coverage requirements, the leading providers in Davie are:

• GEICO: MoneyGeek score 78 out of 100 ($527 per year)
• Travelers: MoneyGeek score 68 out of 100 ($828 per year)

You may be able to lower your premiums by opting for a minimum coverage policy. But, these policies offer limited protection against liability expenses. They also don't cover your vehicle's damages in the event of an accident.

A minimum coverage policy may help you save money in the short term but may not fully protect you in the long run.

MoneyGeek’s research found the average cost of full coverage auto insurance in Davie is $2,071 per year. This quote is for a policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

On average, car insurance in Davie is $136 more expensive compared to the cost of car insurance in the state of Florida as of October 2022. It’s also $806 pricier compared to the national average. This shows how location can impact your car insurance rates.