Cheapest and Best Car Insurance Companies in Pompano Beach, FL


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ByMark Fitzpatrick
Edited byMorgan Hull
ByMark Fitzpatrick
Edited byMorgan Hull

Updated: May 20, 2024

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The best car insurer for you will vary depending on your driver profile and coverage needs. State Farm offers the best and cheapest full coverage policies. It is also the cheapest option for military drivers and those with traffic violations. GEICO has the best and cheapest minimum coverage policies. Nationwide has the cheapest rates for teen drivers. For the best customer service, one should take a look at insurance policies from Travelers.

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2024

Cheapest and Best Car Insurance in Pompano Beach, FL

Why Trust MoneyGeek? MoneyGeek collected rate information and data from Quadrant Information Services and the Florida Office of Insurance Regulation.

127,836Quotes Analyzed
 
9Companies Compared

Cheapest Minimum Liability Car Insurance in Pompano Beach

The following insurers offer the cheapest minimum coverage car insurance policies in Pompano Beach:

  • GEICO: $607 per year
  • State Farm: $782 per year

Direct General Insurance has the most expensive rates in the city at $1,798 per year. State Farm offers the cheapest car insurance in Florida at $507 per year as of October 2022, showing how location can impact the cost of your insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$607Monthly Premium$51
State FarmAnnual Premium$782Monthly Premium$65
TravelersAnnual Premium$911Monthly Premium$76
NationwideAnnual Premium$928Monthly Premium$77
FarmersAnnual Premium$1,015Monthly Premium$85
MercuryAnnual Premium$1,016Monthly Premium$85
AllstateAnnual Premium$1,134Monthly Premium$94
ProgressiveAnnual Premium$1,355Monthly Premium$113

Liability-only coverage in the state includes property damage and personal injury protection. In Florida, the following coverages and limits are required:

  • $10,000 property damage liability per accident
  • $10,000 personal injury protection

These policies may not completely cover all accident-related expenses. For instance, with the policy limits above, insurers will cover up to $10,000 in expenses for damages to the third party’s vehicle or property. Additionally, the insurer will cover the medical expenses of you or your passengers of up to $10,000. You will be responsible for any costs exceeding this amount.

Cheapest Full Coverage Car Insurance in Pompano Beach

The following insurers offer the best full coverage policies in Pompano Beach:

  • State Farm: $1,526 per year
  • GEICO: $1,649 per year

At $3,385, Direct General Insurance is the most expensive provider in the city. State Farm also offers the cheapest full coverage car insurance in Florida at $1,058 annually as of October 2022. This shows that it’s significantly more expensive to purchase a policy in Pompano Beach than in other cities in Florida.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$1,526Monthly Premium$127
GEICOAnnual Premium$1,649Monthly Premium$137
TravelersAnnual Premium$1,959Monthly Premium$163
NationwideAnnual Premium$1,980Monthly Premium$165
FarmersAnnual Premium$2,050Monthly Premium$171
ProgressiveAnnual Premium$2,261Monthly Premium$188
MercuryAnnual Premium$2,318Monthly Premium$193
AllstateAnnual Premium$2,512Monthly Premium$209

A full coverage policy provides added protection as it includes comprehensive and collision insurance on top of standard liability coverage.

  • Collision Insurance: Pays for damages from collisions with another object or vehicle.
  • Comprehensive Insurance: Pays for damages from natural disasters, theft, vandalism and more.

Typically, full coverage policies are best for owners of new vehicles that want to safeguard their investment. They may not be worth the added cost for owners with older cars.

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Cheapest Car Insurance in Pompano Beach After a Driving Offense

State Farm offers the cheapest rates for drivers in Pompano Beach with the following driving violations:

  • Speeding ticket: State Farm ($1,728 per year)
  • At-fault accident: State Farm ($1,880 per year)
  • DUI: State Farm ($1,728 per year)

Drivers with a speeding ticket or an at-fault accident will get the most expensive rates from Direct General Insurance for $3,385 per year and $4,720 per year, respectively. Meanwhile, drivers with a DUI offense will be charged the most with Nationwide at $4,575 per year. A driving violation will significantly increase the cost of your insurance. Even “cheap” rates for drivers with offenses will still be relatively more expensive than average-priced rates for drivers with no offenses.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$1,728Monthly Premium$144
NationwideAnnual Premium$2,362Monthly Premium$197
AllstateAnnual Premium$2,512Monthly Premium$209
FarmersAnnual Premium$2,590Monthly Premium$216
TravelersAnnual Premium$2,754Monthly Premium$229
ProgressiveAnnual Premium$3,159Monthly Premium$263
MercuryAnnual Premium$3,251Monthly Premium$271
GEICOAnnual Premium$3,296Monthly Premium$275

Typically, your car insurance rate will increase in proportion to the severity of your driving offense. For instance, a driver with a DUI offense in Pompano Beach will pay $408 more per year than a driver with a speeding ticket. Although car insurance may cost more, you can still find relatively cheap car insurance with a bad driving record.

Cheapest Car Insurance in Pompano Beach for Teens and Their Families

In Pompano Beach, the following insurers offer the cheapest full coverage car insurance policies for 16-year-old teens on a family policy:

  • Nationwide: $4,751 per year for female teens and $5,351 per year for male teens
  • State Farm: $5,196 per year for female teens; GEICO: $5,866 per year for male teens

At $7,972 per year, Travelers has the most expensive policy in Pompano Beach for male teens. Farmers is the most expensive insurer for 16-year-old female teens on a family policy at $7,365 per year. Car insurance for male teens is typically more expensive than insurance for female teens. However, this cost discrepancy levels out in early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$4,751Individual Plan Monthly Premium$13,637
State FarmFamily Plan Annual Premium$5,196Individual Plan Monthly Premium$8,750
GEICOFamily Plan Annual Premium$5,795Individual Plan Monthly Premium$12,897
AllstateFamily Plan Annual Premium$6,043Individual Plan Monthly Premium$38,427
TravelersFamily Plan Annual Premium$6,346Individual Plan Monthly Premium$18,866
ProgressiveFamily Plan Annual Premium$7,203Individual Plan Monthly Premium$15,574
FarmersFamily Plan Annual Premium$7,365Individual Plan Monthly Premium$20,867

Families with teen drivers can save money by adding them to an existing policy instead of purchasing a separate policy. For instance, a 16-year-old male joining a family policy will pay $4,940 less than purchasing an individual policy. Although rates may be more expensive for teen drivers, families can find the cheapest auto insurance for teens by comparing rates and looking for discounts.

Cheapest Car Insurance in Pompano Beach for Military Drivers

In Pompano Beach, the following insurers offer the cheapest full coverage policies for military drivers:

  • State Farm: $1,526 per year
  • GEICO: $1,649 per year

For minimum coverage policies, GEICO and State Farm are also the cheapest insurers, charging $607 and $782 per year, respectively. USAA is another insurer that offers cheap car insurance for military members. Coverages and discounts from this insurer are tailored specifically to veterans, active military members and their families.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$1,526Monthly Premium$127
GEICOAnnual Premium$1,649Monthly Premium$137
TravelersAnnual Premium$1,959Monthly Premium$163
NationwideAnnual Premium$1,980Monthly Premium$165
FarmersAnnual Premium$2,050Monthly Premium$171
ProgressiveAnnual Premium$2,261Monthly Premium$188
MercuryAnnual Premium$2,318Monthly Premium$193
AllstateAnnual Premium$2,512Monthly Premium$209

How to Compare Cheap Pompano Beach Car Insurance Quotes Online

Getting a quote from an insurer can take 15 minutes or more. If you’re comparing rates for multiple providers, this time can add up. With MoneyGeek’s free insurance calculator, you can quickly estimate your rate using your age, vehicle type, coverage level and driving record.

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Jun 18, 2024

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Best Car Insurance in Pompano Beach: Summary

The best cheap car insurance provider for you will vary based on how much you value cost, service and coverage options. These are our top choices for a few key categories:

  • Best overall: State Farm (MoneyGeek score of 76 out of 100)
  • Best for service: Travelers (MoneyGeek score of 60 out of 100)
  • Best cheap: GEICO (MoneyGeek score of 78 out of 100)

A company’s MoneyGeek score may vary depending on the factors weighted in individual categories. State Farm is also the best overall insurance provider in Florida. A great option for military drivers is USAA. This insurer caters exclusively to military members and their families.

Best Overall Car Insurance in Pompano Beach

The following insurers offer the best full coverage policies in Pompano Beach:

  • State Farm: MoneyGeek score of 76 out of 100 ($1,526 per year)
  • GEICO: MoneyGeek score of 73 out of 100 ($1,649 per year)

Of the insurers in our study, State Farm has the cheapest rates and one of the highest ratings for customer satisfaction. This makes it a great value for your money.

How was this MoneyGeek score calculated?

State Farm

pros

checkmark

Has one of the highest customer satisfaction ratings of the insurers in our study

checkmark

Has the cheapest rates

checkmark

Offers several commonly available coverages

cons

close

Does not provide any distinct coverage options

close

Has a relatively low claims management rating

COMPANY HIGHLIGHTS

State Farm is the best overall provider in Pompano Beach due to its cheap rates, customer service and coverage options. Of the insurers in our comparison group, this insurer has the least expensive rate and provides quality customer service.

Policyholders can take advantage of State Farm’s common coverages, including roadside assistance and rental car and/or travel reimbursement coverage. With roadside assistance, State Farm will provide services for towing, lockouts, jumpstarts and more. Rental car and/or travel reimbursement coverage will pay for the cost of a rental car if yours is damaged in a coverage accident while traveling, ensuring that your travel plans won’t be derailed. If you want to save more money, State Farm also provides ways to lower your premium through its numerous discount opportunities. It offers standard discounts for bundling insurance policies, insuring multiple cars, safe driving, defensive driving and having a new vehicle.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance in Pompano Beach for Customer Service

Not taking into account cost, the following insurers offer the best full coverage policies in Pompano Beach:

  • Travelers: MoneyGeek score of 60 out of 100 ($1,959 per year)
  • State Farm: MoneyGeek score of 58 out of 100 ($1,526 per year)

Travelers is our top choice due to its fair customer service and claims management ratings. Its policies are still relatively less expensive than those from other insurers.

How was this MoneyGeek score calculated?

Travelers

pros

checkmark

Has a fair customer satisfaction and claims management rating

checkmark

Offers several common coverages, including roadside assistance and rental car and/or travel reimbursement

cons

close

Does not offer deductible modification or better car replacement coverage

COMPANY HIGHLIGHTS

Travelers auto insurance garnered a MoneyGeek score of 60 out of 100, earning it the title of best car insurance provider for customer service in Pompano Beach. At $1,959 per year, or approximately $163 per month, Travelers is still relatively affordable compared to other providers.

Policyholders can obtain roadside assistance, rental car and/or travel reimbursement and gap insurance coverage. Roadside assistance and rental car/and travel reimbursement coverage are great options if your car breaks down or you get in an accident. The former provides services for towing, jumpstarts, lockouts and more, while the latter will pay for the cost of a rental vehicle if yours is totaled in a covered accident.

With gap insurance, Travelers will pay the difference between the actual cash value of your vehicle and the unpaid balance on your car loan or lease. New car owners could also potentially benefit from the insurer’s new car replacement coverage. This rarely offered coverage will reimburse you for the cost of a brand new car if yours is totaled in a covered accident during the first five years of ownership.

Read MoneyGeek's Travelers Auto Insurance Review

Best Cheap Car Insurance in Pompano Beach

In Pompano Beach, the following insurers offer the best minimum coverage policies that include the state-minimum liability limits in Florida:

  • GEICO: MoneyGeek score of 78 out of 100 ($607 per year)
  • State Farm: MoneyGeek score of 72 out of 100 ($782 per year)

Minimum coverage policies, although the cheapest, offer the least amount of protection. They also don’t cover damages to your own vehicle.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

An affordable minimum coverage policy costs $607 per year

checkmark

Offers discounts for bundling, insuring multiple cars, installing daytime running lights and more

checkmark

Has a fair customer satisfaction score

cons

close

Has a relatively low claims management score

close

Offers fewer coverages than its competitors

COMPANY HIGHLIGHTS

GEICO auto insurance provides policies for $607 per year or $51 per month. The company received a high MoneyGeek score of 78 out of 100 for its affordability and customer satisfaction reputation.

The insurer offers numerous discount opportunities, including those for installing anti-lock brakes, anti-theft systems and daytime running lights. Further savings are available if you’re affiliated with the military, a federal employee, senior or a teacher. Young adults may also receive a discount for being a good student and maintaining a high grade point average.

Mechanical breakdown insurance (MBI), available through GEICO, offers additional protection to Pompano Beach drivers by covering repair costs after a vehicle breakdown. With this coverage, you can significantly reduce the amount you’ll pay out of pocket for car repairs.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Pompano Beach

In Pompano Beach, the average cost of auto insurance is $2,182 per year, $246 more expensive than the average cost of car insurance in Florida — $1,936 per year as of October 2022. Car insurance in the city is also significantly more expensive than the cost of car insurance nationwide, $1,265 per year.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.