Cheapest Car Insurance in Fort Lauderdale, FL (2025)

Fort Lauderdale drivers pay an average of $1,608 per year for minimum coverage and $3,756 per year for full coverage. The city has some of Florida's highest rates due to high population density, traffic congestion and increased car theft incidents.

• Cheapest minimum liability coverage: Travelers offers Fort Lauderdale's most affordable minimum coverage at $902 per year ($75 monthly). That's 44% lower than the city average of $1,608, saving you $706 annually. GEICO ranks second for minimum coverage at $1,062 per year ($89 monthly), a 34% savings compared to the city average.
• Cheapest full coverage: Travelers provides the most affordable full coverage at $1,997 per year ($166 monthly), 47% below the city average of $3,756. That's $1,759 in annual savings. State Farm's full coverage costs $2,411 per year ($201 monthly), still 36% below the city average but $414 more than Travelers annually.

Fort Lauderdale drivers pay different premiums based on age, with younger motorists paying more. Here are the most affordable car insurance options by age group:

• Adults: Travelers and GEICO offer the lowest rates for middle-aged drivers
• Seniors: GEICO and Travelers provide competitive pricing for older motorists
• Young drivers: Travelers and GEICO remain the top affordable choices despite higher premiums

Young drivers under 25 can reduce their GEICO premiums by up to 15% through the Good Student Discount. Seniors enrolled in Travelers can save through the Mature Driver Discount after completing an approved defensive driving course.

If you recently had a violation, now is the best time to shop for lower rates. Here are your cheapest car insurance options in Fort Lauderdale by violation type:

• Accident: Travelers at $102 and State Farm at $114 monthly
• Ticket: Travelers at $96 and State Farm at $106 monthly
• DUI: State Farm at $106 and Travelers at $114 monthly
  Minor violations in Florida stay on your record for three to five years, and rates decrease after this period.

Fort Lauderdale neighborhoods show differences in car insurance costs by ZIP code. Drivers in 33312 face the highest rates at $393 monthly for full coverage, while those in 33394 enjoy the most affordable premiums at just $259 monthly.

Travelers earned 97 out of 100 on MoneyGeek's rating scale, making it the top car insurance company in Fort Lauderdale. State Farm follows closely as the second-best option with a score of 89 out of 100. 

Travelers leads in customer experience and affordability, based on our evaluation of agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews to assess how well insurers handle claims and support policyholders.

Travelers offers many standard and specialty coverages available, plus unique add-ons. State Farm is also affordable and has financial stability ratings alongside Travelers.

See below for why each insurer excels and which fits your needs.

Fort Lauderdale residents have high car insurance costs that strain household budgets. Shop around, secure lower premiums and select appropriate coverage for your specific needs:

Our insurance experts provide answers to common questions about car insurance costs in Fort Lauderdale:

Fort Lauderdale drivers pay some of Florida's highest car insurance rates. We built this analysis to help you find reliable coverage without overpaying for your specific situation.

We analyzed hundreds of thousands of quotes from major insurers using data from the Florida Office of Insurance Regulation and Quadrant Information Services. Our research covered all Fort Lauderdale ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. 

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Florida's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hurricane damage claims or handling hit-and-run accidents.

Coverage options (10%): More choices mean better odds of matching coverage to Fort Lauderdale risks like flood damage, uninsured motorists and theft in high-risk areas.