Compare the Cheapest Car Insurance Quotes in Pompano Beach

Pompano Beach's average annual auto insurance premium of $2,386 is higher than the state average of $2,208. The cheapest, most widely available insurance is from GEICO, which costs an annual average of $1,640. Use MoneyGeek's data on various driving histories and coverage levels to compare rates from several providers. Additionally, we've ranked the best car insurance companies in Pompano Beach based on quality and cost.

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Last Updated: 5/16/2022
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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.

iconribbonbestauto insurancePompano Beach2022

The Cheapest and Best Car Insurance in Pompano Beach

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
  • Company
    100/300/100per year
  • 1.
    USAA
    $1,066
  • 2.
    GEICO
    $1,640
  • 3.
    State Farm
    $1,950
  • 4.
    MetLife
    $2,126
  • 5.
    Travelers
    $2,328
  • 6.
    Allstate
    $2,559
  • 7.
    Allied
    $2,659
  • 8.
    Progressive
    $2,810
  • 9.
    Mercury
    $3,020

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.

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Insurance Rates

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

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

  • 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 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

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.

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Insurance Rates

The Best Car Insurance Companies in Pompano Beach

MoneyGeek's rankings of the best insurers in Pompano Beach will help drivers looking for an ideal blend of quality and affordability. According to our research, the following companies are the best auto insurance providers in the city:

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

As the best insurance provider in Pompano Beach, USAA outperforms all of its competitors. However, since its policies are only available to military families, we chose not to include the company in our rankings.

MoneyGeek considered several factors to rate the best insurance companies, like their financial stability, customer satisfaction and affordability. Multiple sources, including the findings from data analytics and consumer intelligence firm J. D. Power, were used in this research.


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

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities15th/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 Pompano Beach 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.