Cheapest and Best Car Insurance Companies in Pompano Beach, FL

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.