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.
Cheapest and Best Car Insurance in Davie, FL








Cheapest Minimum Liability Car Insurance in Davie
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.
Cheapest Full Coverage Car Insurance in Davie
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.
Cheapest Car Insurance in Davie After a Driving Offense
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.
Cheapest Car Insurance in Davie for Teens and Their Families
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.
Cheapest Car Insurance in Davie for Military Drivers
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.
How to Compare Cheap Davie Car Insurance Quotes Online
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.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Davie: Summary
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.
Best Overall Car Insurance in Davie
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.
How was this MoneyGeek score calculated?

pros
Offers the cheapest rates at $1,413 per year
Excellent customer service
Mechanical breakdown insurance is an add-on option
cons
Lackluster claims management
Doesn’t offer OEM coverage and gap insurance
COMPANY HIGHLIGHTS
GEICO is the overall best car insurance provider in Davie. You can expect affordable rates and a solid customer experience with this provider. You can also get useful add-on coverages to improve the protections you receive.
GEICO offers roadside assistance coverage, an optional rider for your expenses during emergencies on the road. It helps pay for flat tire repair, towing, jump-starting dead batteries and lockout services.
The company also provides travel reimbursement coverage, which pays for a rental car if your vehicle becomes undrivable for over 24 hours due to a covered accident.
GEICO’s Mechanical Breakdown Insurance (MBI) is a unique endorsement covering all parts and systems in your vehicle. This is much more than the limited coverage offered by standard dealer warranties. This add-on is available for new or leased vehicles less than 15 months old with fewer than 15,000 miles.
Best Car Insurance in Davie for Customer Service
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.
How was this MoneyGeek score calculated?

pros
Great customer service
Provides common add-on coverages
Offers accident forgiveness as an optional endorsement
cons
Lacks OEM coverage
COMPANY HIGHLIGHTS
If you value customer service, Travelers is the best car insurance provider in Davie. You can expect outstanding customer service and useful add-on coverages from this provider.
Notably, the Responsible Driver Plan from Travelers provides accident forgiveness coverage. This protects you from any premium increases after your first accident within a set period, making it useful in case of isolated incidents.
You can add Travelers' gap insurance to your policy if you have a financed or leased vehicle. This insurance can help cover the difference between the actual value of your car and the outstanding balance on your auto loan or lease in the event of a total loss.
Travelers also offers rental car reimbursement. This covers the expenses of renting a car if your vehicle isn't operable due to a covered accident and requires repairs for more than 24 hours.
Best Cheap Car Insurance in Davie
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.
How was this MoneyGeek score calculated?

pros
Affordable minimum coverage policy costs $527 per year
Discounts for bundling, airbag and anti-lock brakes
Excellent customer service reputation
cons
Lackluster claims management
COMPANY HIGHLIGHTS
If you're looking for cheap minimum coverage car insurance, MoneyGeek’s top choice in Davie is GEICO. The company balances competitive pricing and superior customer service, so you won't have to sacrifice service quality for affordability.
GEICO also offers various discounts to help you lower your car insurance costs. It has standard discounts for good students, policy bundling, safe driving, anti-theft systems and driver education.
Additionally, GEICO provides unique discount opportunities, including savings for:
- Installing anti-lock brakes on your vehicle
- Military affiliation
- Owning a new car
- Having daytime running lights on your vehicle
- Regular seatbelt use
By taking advantage of these discounts, you can further decrease your premiums, making GEICO's minimum coverage policies even more budget-friendly.
Average Cost of Car Insurance in Davie
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.
About Mark Fitzpatrick
