Compare the Cheapest Car Insurance Quotes in Davie

The average cost of car insurance in Davie is $2,303 yearly, which is more than the state average. At roughly $1,559 yearly, GEICO is the cheapest insurer in Davie for most drivers. MoneyGeek also analyzed average car insurance rates in Davie for different coverage levels. We’ve also recommended the best insurers In Davie for quality service and affordability.

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Last Updated: 5/16/2022
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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 Esurance offers the best balance of quality service and cost in Davie.

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The Cheapest and Best Car Insurance in Davie

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 to 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
  • Company
    100/300/100per year
  • 1.
    USAA
    $1,047
  • 2.
    GEICO
    $1,559
  • 3.
    State Farm
    $1,634
  • 4.
    MetLife
    $2,211
  • 5.
    Travelers
    $2,311
  • 6.
    Allstate
    $2,312
  • 7.
    Progressive
    $2,566
  • 8.
    Allied
    $2,700
  • 9.
    Mercury
    $3,135

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 to 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.

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Insurance Rates

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

In Davie, a state minimum coverage policy only carries the minimum personal injury protection (PIP) and property damage liability limits required in Florida. While this type of policy is affordable, you may incur high out 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

  • Item
    Description
  • 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 after 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

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 to the rest of the state, average car insurance rates in Davie are marginally higher by 4.3%. However, compared to 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.

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Insurance Rates

The Best Car Insurance Companies in Davie

MoneyGeek ranked the companies offering the best balance of quality service and affordability to help you find the top car insurance in Davie.

The best car insurance companies in Davie are:

  • Esurance: MoneyGeek score of 95 out of 100
  • GEICO: MoneyGeek score of 85 out of 100

USAA received the highest MoneyGeek score and is the best insurer for drivers with a military background.

MoneyGeek’s rating system incorporates J.D. Power’s user satisfaction scores, financial stability and affordability ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Esurance
Score:95

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Travelers
Score:85

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

5
MetLife
Score:82.5

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

6
Hartford
Score:82.5

2/5

Affordability

5/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Liberty Mutual
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Auto-Owners Insurance Co
Score:80

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

9
State Farm
Score:77.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A-

Financial Stability

10
Nationwide
Score:77.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Progressive
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Safeco
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities7th/300
handcuffs2 icon
Most Car Thefts166th/300
uninsured icon
Most Uninsured Motorists by State1st/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall3rd/300
umbrella icon
Most Rainy Days30th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Davie are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.