bestauto insuranceDavieCompare the Cheapest Car Insurance Quotes in Davie, FL
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Ensure you're getting the best rate. Review quotes from a top insurance company.
GEICO offers the cheapest car insurance in Davie with the most affordable rates for full coverage and state minimum policies. However, State Farm is cheapest for drivers with violations like speeding tickets.
USAA could be the cheapest option if you have a military background.
MoneyGeek also found that GEICO offers the best balance of quality service and cost in Davie.
bestauto insuranceDavieThe Cheapest and Best Car Insurance in Davie
Cheapest Overall - GEICO
Cheapest State Minimum - GEICO
Cheapest With a Driving Violation - State Farm
Best Overall - GEICO
The Cheapest Car Insurance Companies in Davie
On average, the cheapest car insurance companies in Davie for a full coverage policy are:
- GEICO: $1,559 per year
- State Farm: $1,634 per year
USAA is the cheapest option in Davie for full coverage at roughly $1,047 per year. However, these policies are only available to military families.
Compared with Mercury, the most expensive option, GEICO, is 101.1% cheaper. The cost of a full coverage policy can vary depending on how much liability coverage you purchase. Full coverage policies include collision and comprehensive insurance to protect you in case your car gets damaged.
Cheapest Car Insurance in Davie
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,047
- 2.$1,559
- 3.$1,634
- 4.$2,211
- 5.$2,311
MoneyGeek collected average car insurance rates for a 40-year-old male driver in Davie with a full coverage policy in accordance with our methodology.
Drivers in Davie pay more for a full coverage policy compared with a state minimum policy, but full coverage comes with comprehensive and collision coverage.
- Comprehensive insurance: covers damages to your vehicle from non-collision–related risks like theft
- Collision insurance: covers damages to your vehicle from a collision with another vehicle or object
In cases where you have a low-value car, a full coverage policy may cost more than the car is worth. In this case, you may want to opt for liability-only or state minimum car insurance to get the cheapest rates possible.
Compare Car Insurance Rates in Davie
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Davie for Minimum Coverage
If you are looking for cheap car insurance in Davie, a minimum coverage policy may be the best option. On average, the cheapest insurance companies in Davie for a minimum coverage policy are:
- GEICO: $696 per year
- State Farm: $903 per year
For drivers with a military background, USAA is the cheapest option at roughly $455 per year.
Progressive costs up to $811 more per year than GEICO and is the most expensive option for minimum coverage in Davie. Buying a minimum coverage policy will help you save on costs, but you will not be fully protected since it carries minimal liability coverage and lacks collision and comprehensive coverage. You can use the table below to see how rates vary for different liability levels.
Cheapest Minimum Liability Car Insurance in Davie
State Minimum
- CompanyState Minimumper year
- 1.$455
- 2.$696
- 3.$903
- 4.$1,012
- 5.$1,107
In Davie, a state minimum coverage policy only carries the minimum personal injury protection and property damage liability limits required in Florida. Although this type of policy is affordable, you may incur high out-of-pocket costs if you are in an at-fault accident.
For instance, your state minimum policy only carries $10,000 in property damage liability. This means that if the property damage caused in an accident exceeds this amount, any extra costs will need to be paid for out of pocket.
Florida Minimum Liability Requirements
- ItemDescription
- Property Damage$10,000 for property damage. A more protective level is 100/300/100.
- Personal Injury Protection$10,000 per person.
Cheapest Car Insurance in Davie if You Have Driving Violations
Having a poor driving record can significantly increase the cost of car insurance in Davie. For drivers with violations, the most affordable companies in Davie are, on average:
- Cheapest after a ticket: State Farm at $1,768 per year
- Cheapest after an at-fault accident: State Farm at $1,902 per year
- Cheapest after a DUI: State Farm at $1,768 per year
For drivers with a military background, USAA is the cheapest after a ticket and an at-fault accident.
Improving your driving record over time will help you get cheaper car insurance rates. In the meantime, you can compare quotes to find the cheapest insurers for violations.
Cheapest Car Insurance in Davie With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,157
- 2.$1,768
- 3.$2,312
- 4.$2,645
- 5.$2,783
Average Cost of Car Insurance in Davie
Davie$2,303
Florida$2,208
U.S.$1,424
Car insurance costs an average of $2,303 per year in Davie. Compared with the rest of the state, average car insurance rates in Davie are marginally higher by 4.3%. However, compared with the national car insurance average, rates in Davie are significantly higher by up to 61.7%.
Personalized Quotes to Get You the Cheapest Car Insurance in Davie
Factors such as age, gender, make and model of vehicle, coverage level and ZIP all impact car insurance quotes in Davie. Rates can also vary significantly depending on the insurer, so it is always important to shop around and compare costs when looking for the best car insurance.
Compare Car Insurance Rates in Davie
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Davie
MoneyGeek used average rates, claims ratings and customer satisfaction scores to determine the best car insurance companies in Davie, Florida. Based on these criteria, we found that the top-rated insurance providers in the city are:
- GEICO: MoneyGeek score of 82 out of 100
- State Farm: MoneyGeek score of 78 out of 100
Although USAA received a perfect MoneyGeek score out of 100, making it the best insurer in Davie, it was excluded from our analysis because its policies are only available to military members and their families.
1
GEICO
Score:82
GEICO is our top pick for best car insurer in Davie, with excellent scores for customer satisfaction and financial stability. Full coverage policies are priced at $1,559 per year, with the option for a rare add-on coverage, mechanical breakdown insurance (MBI).
More About GEICO
GEICO provides mechanical breakdown insurance for new or leased cars less than 15 months old and with less than 15,000 miles. MBI pays for the cost of damage or loss of parts and systems for the insured car and is also cheaper than the typical dealer extended warranty. GEICO’s other unique coverage is accident forgiveness, which ensures that your premiums won’t increase after your first at-fault accident.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:78
Scoring highly for customer satisfaction, State Farm is MoneyGeek’s runner-up for the best car insurance company in Davie. A full coverage policy with this insurer costs $1,634 per year with the option for a rare add-on feature, rideshare insurance.
More About State Farm
Drivers in Davie who are working for a ridesharing company like Uber or Lyft will have adequate car insurance coverage with State Farm’s rideshare insurance. This add-on coverage will cost you an average of 15% to 25% on top of your premium, but it also ensures that your personal auto policy remains in effect while you’re driving for a TNC, giving you adequate protection. With this supplement included in your policy, you’re guaranteed to receive medical, emergency roadside assistance and rental car reimbursement.
Read MoneyGeek's State Farm auto Insurance Review3
Allstate
Score:65
4
Travelers
Score:63
5
MetLife
Score:60
6
Progressive
Score:41
7
Allied
Score:29
8
Mercury
Score:23
Average Cost of Car Insurance by Postal Code
Car theft incidents, rate of accidents and other location-specific factors may affect the cost of car insurance, with some ZIP codes attracting higher rates.
However, in Davie, car insurance rates are more or less the same across all ZIP codes. There is only a $1 difference between the cheapest ZIP code, 33324, and the most expensive, 33317.
- Zip CodeState Minimumper year
- 33324$2,303
- 33317$2,304
Factors That Impact Insurance Costs in Davie
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Davie. How Davie ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
