bestauto insurancePompano BeachCompare the Cheapest Car Insurance Quotes in Pompano Beach, FL
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The cheapest company for you may vary depending on your driving history and intended level of coverage. MoneyGeek's research indicates that the cheapest, most widely available insurers for state minimum insurance and those with traffic tickets are:
- Cheapest For State Minimum Policy: GEICO at $739 per year
- Cheapest For Ticketed Drivers: State Farm at $2,111 per year
USAA may be the cheapest option, but its policies only apply to military families. Additionally, MoneyGeek assessed insurers on price and customer service to determined that Esurance offers the best car insurance in Pompano Beach.
bestauto insurancePompano BeachThe Cheapest and Best Car Insurance in Pompano Beach
Cheapest Overall - GEICO
Cheapest State Minimum - GEICO
Cheapest With a Driving Violation - State Farm
Best Overall - Esurance
The Cheapest Car Insurance Companies in Pompano Beach
For drivers in Pompano Beach, the following providers offer the cheapest full-coverage insurance policies, on average:
- GEICO: $1,640 per year
- State Farm: $1,950 per year
USAA is the cheapest company for military members and their families. However, because their insurance policies are not available to everyone, the firm did not make it to our list of the cheapest insurers.
GEICO's average coverage is around 54% less expensive than the average policy offered by Mercury, Pompano Beach's most expensive car insurance company. In addition to the liability coverage required by state law, a full-coverage policy provides comprehensive and collision coverage. However, your premiums may vary based on the level of liability coverage you choose.
Cheapest Car Insurance in Pompano Beach
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,066
- 2.$1,640
- 3.$1,950
- 4.$2,126
- 5.$2,328
MoneyGeek's methodology calculated the average insurance premiums for a 40-year-old male sample driver seeking a full-coverage insurance policy.
In addition to liability insurance, a full-coverage insurance policy covers the following two types of coverage, which increases costs:
- Comprehensive Coverage: Provides coverage for damages caused by factors other than accidents, such as storms, theft and vandalism.
- Collision Coverage: Pays for resulting losses and damages if your vehicle collides with another vehicle or an object.
Individuals with older cars should consider opting for the state minimum liability insurance, as comprehensive insurance may exceed the car's value.
Compare Car Insurance Rates in Pompano Beach
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Pompano Beach for Minimum Coverage
The cheapest car insurance in Pompano Beach typically only provides the basic minimum of coverage. For the most affordable state minimum liability coverage in the city, on average, check out the following companies:
- GEICO: $739 per year
- Allstate: $1,069 per year
Although minimum coverage insurance policies are the cheapest, you should consider full-coverage insurance with comprehensive and collision coverage for complete protection in the event of an accident.
Mercury’s average quote is $726 more expensive than GEICO's at $1,465 a year. USAA’s average quote of $468 per year for a state minimum policy is the city’s cheapest, but it is only available to military personnel and their families.
Cheapest Minimum Liability Car Insurance in Pompano Beach
State Minimum
- CompanyState Minimumper year
- 1.$468
- 2.$739
- 3.$1,069
- 4.$1,125
- 5.$1,134
Personal injury protection (PIP) and property damage liability insurance of at least $10,000 each are mandated for all Florida drivers. If you possess state-minimum insurance, it may be the city’s cheapest and will only offer the lowest level of coverage. Being involved in an accident without sufficient insurance coverage could result in you having to pay more personally.
For instance, if you are injured in an accident and have medical bills worth $15,000, your state minimum insurance policy will only cover $10,000, making you liable for the remaining $5,000 out of pocket. You can avoid these costs by purchasing a full-coverage insurance policy.
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 Pompano Beach if You Have Driving Violations
Car insurance quotes in Pompano Beach may be high for drivers found guilty of speeding, colliding with another vehicle or driving under the influence (DUI). According to the city's most frequent traffic offenses, the following providers offer the cheapest and most widely available insurance options:
- Cheapest After A Ticket: State Farm, $2,111 per year
- Cheapest After An At-Fault Accident: State Farm, $2,271 per year
- Cheapest After A DUI: State Farm, $2,111 per year
For the offenses listed above, USAA offers the most affordable insurance premiums. However, it only sells insurance policies to veterans, active-duty military personnel, and their families.
Your insurance rates may decrease if you keep a clean driving record, even if you have received a traffic ticket in the past. During this time, you can compare auto insurance quotes from several companies to find the best cheap car insurance.
Cheapest Car Insurance in Pompano Beach With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,179
- 2.$2,111
- 3.$2,514
- 4.$2,559
- 5.$2,926
Average Cost of Car Insurance in Pompano Beach
Pompano Beach$2,386
Florida$2,208
U.S.$1,424
The average annual car insurance premium in Pompano Beach is $2,386, which is higher than state and national averages. Drivers in Pompano Beach pay around 8.1% more than the state average and 67.6% more than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in Pompano Beach
The rates of car insurance in Pompano Beach are determined by several factors, including the driver’s age and gender, the make and model of their vehicle and their ZIP code. If you're a young driver, your insurance premiums will most likely be higher than rates for a 40-year-old motorist. You should compare insurance quotes from several companies on a frequent basis to get the best deal.
Compare Car Insurance Rates in Pompano Beach
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Pompano Beach
MoneyGeek identified the top auto insurers in Pompano Beach based on average premiums, customer satisfaction scores and claims ratings.
The two leading firms are:
- GEICO: 80 out of 100
- State Farm: 70 out of 100
USAA earned a perfect MoneyGeek score of 100 but was not featured on our list because it is not widely available. Only members of the military and their families are eligible for USAA coverage. They are the best provider of auto insurance for military veterans and their families.
1
GEICO
Score:80
In addition to receiving high rankings for claims and customer satisfaction, GEICO offers accident forgiveness insurance. In Pompano Beach, GEICO insurance with full coverage costs an average of $1,640 per year.
More About GEICO
In Pompano Beach, GEICO offers four additional coverage options to improve your insurance. If your GEICO auto insurance coverage offers accident forgiveness, for instance, your rate will not rise due to your first at-fault accident. You may acquire or earn accident forgiveness coverage if you are at least 21 years old and accident-free for at least five years.
GEICO also offers roadside assistance and mechanical breakdown protection. The former may help pay for services like flat tire repair, towing and lockouts, while the latter can cover the cost of components and systems at a lower cost than a dealer's extended warranty.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:70
State Farm received an outstanding ranking for customer satisfaction and claims in Pompano Beach. State Farm provides rideshare insurance. MoneyGeek found that the annual average cost of State Farm auto insurance is $1,950.
More About State Farm
State Farm's ridesharing insurance ensures that the medical, emergency roadside assistance and rental car reimbursement coverages of your personal auto policy remain in effect while you work for a ridesharing company.
In addition to the basic coverage offered by their State Farm insurance, Pompano Beach drivers may be eligible for extra coverage options. For example, State Farm roadside assistance coverage includes up to one hour of labor for mechanical service, towing, delivery of gas, oil, battery or tire change and locksmith.
Read MoneyGeek's State Farm auto Insurance Review3
MetLife
Score:63
4
Travelers
Score:61
5
Allstate
Score:60
6
Progressive
Score:32
7
Allied
Score:29
8
Mercury
Score:25
Average Cost of Car Insurance by Postal Code
It is highly possible that your location in Pompano Beach has an impact on your auto insurance rates in the state. Your average car insurance rates in Pompano Beach can vary based on high rates of vehicle theft, accidents and natural disasters. Taking this into consideration, we found that the residents of the 33063 ZIP code, for example, pay approximately $54 less in annual auto insurance premiums than those who reside in the 33064 ZIP code.
- Zip CodeState Minimumper year
- 33063$2,362
- 33065$2,381
- 33064$2,416
Factors That Impact Insurance Costs in Pompano Beach
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 Pompano Beach. How Pompano Beach ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
