Travelers offers Fort Lauderdale's lowest car insurance rates, with annual premiums of $902 for minimum coverage and $1,997 for full coverage. State Farm, Nationwide and GEICO also provide affordable coverage options in the city.
Car Insurance in Fort Lauderdale
Updated: August 12, 2025
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Key Takeaways
Fort Lauderdale's cheapest car insurance companies are Travelers, State Farm and Nationwide, with rates up to 46% lower than the city average.
Monthly car insurance costs in Fort Lauderdale average $313 for full coverage and $134 for minimum coverage.
To find the best cheap auto insurance in Fort Lauderdale, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Fort Lauderdale?
| Travelers | $75 | $166 | -46% |
| State Farm | $98 | $201 | -33% |
| Nationwide | $115 | $245 | -20% |
| GEICO | $89 | $283 | -17% |
| Metropolitan Group | $108 | $269 | -16% |
Cheapest Fort Lauderdale Car Insurance by Category
Travelers ranks cheapest for seven driver categories in Fort Lauderdale. State Farm offers the most affordable rates for drivers with old cars and DUIs.
| Young Drivers | Travelers | $167 |
| Adult Drivers | Travelers | $75 |
| Senior Drivers | Travelers | $103 |
| Drivers With an Accident | Travelers | $102 |
| Drivers With a DUI | State Farm | $106 |
| Drivers With a Speeding Ticket | Travelers | $96 |
| Drivers With Bad Credit | Travelers | $132 |
| Drivers With Newer Cars | Travelers | $52 |
| Drivers With Old Cars | State Farm | $65 |
Compare the Cheapest Fort Lauderdale Car Insurance for You
Car insurance rates change dramatically based on your driving record, age and other personal factors. Find your driver profile in the table below to see which companies offer the best rates for your situation.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Travelers | $75 | $902 | -43% |
| Geico | $89 | $1,062 | -33% |
| State Farm | $98 | $1,179 | -26% |
| Metropolitan Group | $108 | $1,292 | -19% |
| AIG | $113 | $1,359 | -15% |
Best Car Insurance Companies in Fort Lauderdale
Fort Lauderdale's highest-rated car insurance companies are Travelers, State Farm, Nationwide, GEICO and Mercury Insurance. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Travelers | 98 | 1 | 1 | 4 |
| State Farm | 90 | 2 | 3 | 7 |
| Nationwide | 87 | 3 | 6 | 4 |
| GEICO | 85 | 4 | 5 | 7 |
| Mercury Insurance | 85 | 6 | 4 | 5 |
Travelers: Best Overall Value
pros
Outstanding customer satisfaction ratings
Extensive coverage options available
Competitive rates across driver categories
cons
Limited local office presence
Fewer add-on coverage choices
COMPANY HIGHLIGHTS
Travelers ranks as Fort Lauderdale's top car insurance provider, earning the highest customer satisfaction ratings in our analysis. The company stands out for offering rates well below the city average while maintaining excellent service standards. Travelers proves especially affordable for most driver categories, including young drivers, seniors, and those with accidents or tickets on their record.
State Farm: Best for Personalized Service
pros
Strong local agent network
Multiple discount opportunities
Easy claims process
cons
Basic online tools
Limited coverage customization
COMPANY HIGHLIGHTS
State Farm earns the second spot in Fort Lauderdale with its blend of personal service and competitive rates. The company's extensive network of local agents provides face-to-face support when needed. State Farm offers particularly good value for drivers with older vehicles and those with DUI offenses. Their straightforward claims process and strong customer service ratings make them a reliable choice for Fort Lauderdale drivers.
How Much Is Car Insurance in Fort Lauderdale?
In Fort Lauderdale, minimum coverage costs about $134 per month or $1,608 per year, ranking 610th out of all Florida cities for affordability. Full coverage averages $313 monthly or $3,760 annually, ranking 525th among Florida cities.
| Full Coverage | $313 | $3,760 |
| Minimum Coverage | $134 | $1,608 |
Fort Lauderdale Car Insurance Cost by Category
In Fort Lauderdale, monthly coverage costs vary from $98 to $740 depending on your driver profile. Check the table below to see rates for your category.
| Young Drivers | $303 | $740 |
| Adult Drivers | $134 | $313 |
| Senior Drivers | $171 | $408 |
| Drivers With an Accident | $190 | $448 |
| Drivers With a DUI | $187 | $422 |
| Drivers With a Speeding Ticket | $159 | $383 |
| Drivers With Bad Credit | $179 | $363 |
| Drivers With Newer Cars | $107 | $248 |
| Drivers With Old Cars | $98 | $224 |
Fort Lauderdale Car Insurance Costs by ZIP Code
In Fort Lauderdale, car insurance rates by ZIP code range from $111 to $393 per month. ZIP code 33312 is the most expensive, while 33308 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:33301
| 33301 | $113 | $265 |
Compare Personalized Fort Lauderdale Car Insurance Costs
Find rates that match your exact profile by filtering the table below for combinations of age, driving history and other personal factors.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $114 | $1,365 | 45% |
How to Get the Best Cheap Fort Lauderdale Car Insurance
Finding affordable car insurance in Fort Lauderdale isn't easy with the area's high average rates, but you can lower your costs with the right approach. Our step-by-step guide shows you exactly how to get cheaper coverage without sacrificing protection.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need for your Fort Lauderdale driving situation. Use our car insurance coverage needs calculator to evaluate your vehicle's value, assets to protect and risk factors.
- 2
Explore alternative insurance options
Beyond standard types of car insurance, consider specialized options like pay-per-mile coverage if you drive infrequently or non-owner insurance if you don't own a vehicle. These alternatives often provide significant savings for specific driving situations.
- 3
Know local insurance costs
Research average vehicle insurance costs in Fort Lauderdale to set realistic expectations. Understanding typical rates for your area and driver profile helps you recognize genuinely competitive quotes and avoid overpaying for coverage.
- 4
Maximize available discounts
Take advantage of every car insurance discount you qualify for. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, defensive driving courses and good student discounts can also reduce your premium.
- 5
Research insurer reliability
Investigate each insurance company's reputation for claims handling and customer service in Fort Lauderdale. Check customer reviews, financial strength ratings and complaint records.
- 6
Get quotes from multiple providers
Contact at least three different insurance providers for quotes. Use a mix of local agents, direct insurers, and online comparison tools. Each company uses different factors to calculate rates, so comparing multiple quotes helps you find the best deal for your situation.
- 7
Review coverage annually
Set a yearly reminder to review your car insurance policy. Your circumstances and insurance needs may change, and new discounts or better rates might become available. Regular policy reviews ensure you maintain optimal coverage at the best possible price.
Cheapest Car Insurance in Fort Lauderdale: Bottom Line
Car insurance rates in Fort Lauderdale vary based on your driving record, vehicle and credit score. While Travelers and State Farm offer the lowest average rates in the area, compare quotes from multiple providers to find your best deal.
Cheap Fort Lauderdale Car Insurance: FAQ
Looking for affordable car insurance in Fort Lauderdale? Our FAQ section provides clear answers about finding the right coverage at the lowest rates. We break down your options and show you practical ways to save money while maintaining the protection you need.
What is the cheapest car insurance company in Fort Lauderdale, Florida?
Travelers offers the lowest rates in Fort Lauderdale, averaging $902 for minimum coverage and $1,997 for full coverage. Rates vary by personal factors, so compare quotes from multiple insurers.
Who offers the best car insurance in Fort Lauderdale?
Travelers offers Fort Lauderdale's highest-rated car insurance with a MoneyGeek score of 98 out of 100, scoring eight points above State Farm. Travelers excels in both affordability and customer service quality.
What is the average cost of car insurance in Fort Lauderdale?
Fort Lauderdale drivers pay $3,760 for full coverage and $1,608 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Fort Lauderdale expensive?
Car insurance in Fort Lauderdale is more expensive than average, ranking 610th for minimum coverage affordability and 525th for full coverage compared to other Florida cities.
How We Chose the Best and Cheapest Car Insurance in Fort Lauderdale, FL
To help Fort Lauderdale drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Florida Office of Insurance Regulation and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Florida to tailor options as closely as possible to you.
Fort Lauderdale Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Fort Lauderdale
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Florida are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.