Greater Fort Lauderdale’s large population means residents must fight for space on the road as they travel to local beaches, shopping centers and marinas. It also means there is potential for accidents. One study found that the deadliest highway mile in the United States is on Interstate 95 between the Interstate 595 interchange and Marina Mile Boulevard.
It’s wise to carry a robust car insurance policy in South Florida. We’ve gathered data from Jerry customers in Fort Lauderdale to show how rates can vary based on your age, driving history and zip code.
More: Best car insurance in Florida
Cheapest minimum coverage insurance in Fort Lauderdale
Florida requires drivers to carry these minimum coverages:
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $36 | $426 | Progressive | 53 | June 23, 2025 | Fort Lauderdale, FL | 33317 |
| $45 | $534 | Progressive | 74 | November 3, 2024 | Fort Lauderdale, FL | 33325 |
| $45 | $540 | Progressive | 76 | September 7, 2024 | Fort Lauderdale, FL | 33319 |
| $54 | $650 | Progressive | 29 | June 22, 2025 | Fort Lauderdale, FL | 33301 |
| $60 | $724 | Progressive | 41 | April 23, 2025 | Fort Lauderdale, FL | 33304 |
| $66 | $788 | Progressive | 39 | July 29, 2024 | Fort Lauderdale, FL | 33321 |
| $66 | $796 | Bristol West | 58 | June 7, 2025 | Fort Lauderdale, FL | 33334 |
| $70 | $842 | Progressive | 60 | October 9, 2024 | Fort Lauderdale, FL | 33321 |
| $72 | $865 | National General | 36 | April 29, 2025 | Fort Lauderdale, FL | 33324 |
| $74 | $892 | Progressive | 53 | April 29, 2025 | Fort Lauderdale, FL | 33315 |
Below are the cheapest quotes that drivers in Fort Lauderdale have received via Jerry.
- $10,000 in personal injury protection (PIP) coverage.
- $10,000 in property damage liability coverage.
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in Florida
Cheapest full coverage insurance in Fort Lauderdale
Fort Lauderdale is vulnerable to natural disasters such as hurricanes, lightning, tornados and wildfires.
Should inclement weather damage your car, minimum coverage won’t help you recover your losses, but full coverage could. Below are the cheapest quotes for full coverage that Fort Lauderdale drivers have received through Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $45 | $534 | Progressive | 74 | November 3, 2024 | Fort Lauderdale, FL | 33325 |
| $45 | $540 | Progressive | 76 | September 7, 2024 | Fort Lauderdale, FL | 33319 |
| $53 | $640 | Progressive | 53 | January 14, 2025 | Fort Lauderdale, FL | 33311 |
| $56 | $666 | Progressive | 29 | December 10, 2024 | Fort Lauderdale, FL | 33308 |
| $62 | $740 | Progressive | 56 | November 15, 2024 | Fort Lauderdale, FL | 33305 |
| $75 | $898 | Progressive | 27 | April 5, 2025 | Fort Lauderdale, FL | 33324 |
| $75 | $900 | Bristol West | 78 | June 22, 2025 | Fort Lauderdale, FL | 33322 |
| $86 | $1,034 | Bristol West | 58 | March 30, 2025 | Fort Lauderdale, FL | 33334 |
| $92 | $1,104 | Progressive | 38 | June 15, 2025 | Fort Lauderdale, FL | 33309 |
| $97 | $1,164 | Progressive | 38 | October 26, 2024 | Fort Lauderdale, FL | 33312 |
Cheapest car insurance for young drivers in Fort Lauderdale (18-29 years old)
Young drivers often pay the highest rates because insurers view their lack of experience on the road as a risk. Since insurers weigh this risk differently, comparing quotes from multiple insurers may save you money. Here are the cheapest quotes for young drivers in Fort Lauderdale, based on quotes via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $54 | $650 | Progressive | 29 | No | June 22, 2025 | Fort Lauderdale, FL | 33301 |
| $56 | $666 | Progressive | 29 | Yes | December 10, 2024 | Fort Lauderdale, FL | 33308 |
| $75 | $898 | Progressive | 27 | Yes | April 5, 2025 | Fort Lauderdale, FL | 33324 |
| $80 | $964 | Progressive | 23 | No | June 14, 2025 | Fort Lauderdale, FL | 33308 |
| $90 | $1,077 | National General | 25 | No | January 15, 2025 | Fort Lauderdale, FL | 33301 |
More: Best car insurance companies
Cheapest car insurance for mature drivers in Fort Lauderdale (30-54 years old)
Drivers between 30 and 54 years old generally receive lower quotes than younger drivers. Here are the cheapest quotes that mature Jerry customers in Fort Lauderdale have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $36 | $426 | Progressive | 53 | No | June 23, 2025 | Fort Lauderdale, FL | 33317 |
| $53 | $640 | Progressive | 53 | Yes | January 14, 2025 | Fort Lauderdale, FL | 33311 |
| $66 | $788 | Progressive | 39 | No | July 29, 2024 | Fort Lauderdale, FL | 33321 |
| $70 | $840 | Progressive | 43 | No | December 23, 2024 | Fort Lauderdale, FL | 33308 |
| $72 | $865 | National General | 36 | No | April 29, 2025 | Fort Lauderdale, FL | 33324 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for older drivers in Fort Lauderdale (55+ years old)
Drivers who are 55 and older can expect some of the lowest insurance rates until they reach their 70s. Here are the cheapest quotes that drivers above 54 received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $45 | $534 | Progressive | 74 | November 3, 2024 | Fort Lauderdale, FL | 33325 | Yes |
| $45 | $540 | Progressive | 76 | September 7, 2024 | Fort Lauderdale, FL | 33319 | Yes |
| $62 | $740 | Progressive | 56 | November 15, 2024 | Fort Lauderdale, FL | 33305 | Yes |
| $66 | $796 | Bristol West | 58 | June 7, 2025 | Fort Lauderdale, FL | 33334 | No |
| $70 | $842 | Progressive | 60 | October 9, 2024 | Fort Lauderdale, FL | 33321 | No |
More: Best car insurance for seniors
Cheapest car insurance for drivers with clean records in Fort Lauderdale
Drivers with spotless records — no accidents, citations or claims — typically get the cheapest auto insurance quotes. Below are the cheapest quotes that drivers with spotless records in Fort Lauderdale have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $36 | $426 | Progressive | 53 | June 23, 2025 | No | Fort Lauderdale, FL | 33317 |
| $54 | $650 | Progressive | 29 | June 22, 2025 | No | Fort Lauderdale, FL | 33301 |
| $56 | $666 | Progressive | 29 | December 10, 2024 | Yes | Fort Lauderdale, FL | 33308 |
| $62 | $740 | Progressive | 56 | November 15, 2024 | Yes | Fort Lauderdale, FL | 33305 |
| $66 | $796 | Bristol West | 58 | June 7, 2025 | No | Fort Lauderdale, FL | 33334 |
| $70 | $840 | Progressive | 43 | December 23, 2024 | No | Fort Lauderdale, FL | 33308 |
| $72 | $865 | National General | 36 | April 29, 2025 | No | Fort Lauderdale, FL | 33324 |
| $75 | $898 | Progressive | 27 | April 5, 2025 | Yes | Fort Lauderdale, FL | 33324 |
| $75 | $900 | Bristol West | 78 | June 22, 2025 | Yes | Fort Lauderdale, FL | 33322 |
| $78 | $931 | National General | 40 | December 27, 2024 | No | Fort Lauderdale, FL | 33316 |
Cheapest car insurance for drivers with low credit scores in Fort Lauderdale
Insurers can use your credit score to help determine your car insurance rate in Florida, and a lower score could raise your premium. Here are the cheapest quotes for Fort Lauderdale drivers with credit scores below 550.
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $86 | $1,035 | The General | 62 | June 9, 2025 | Fort Lauderdale, FL | 33316 |
| <550 | $93 | $1,116 | Progressive | 35 | December 15, 2024 | Fort Lauderdale, FL | 33311 |
| <550 | $99 | $1,184 | National General | 44 | September 18, 2024 | Fort Lauderdale, FL | 33326 |
| <550 | $100 | $1,200 | Progressive | 60 | July 1, 2025 | Fort Lauderdale, FL | 33312 |
| <550 | $106 | $1,276 | Gainsco | 60 | August 6, 2024 | Fort Lauderdale, FL | 33328 |
Cheapest car insurance for drivers with at-fault accidents in Fort Lauderdale
An accident typically increases your premium. If you’ve recently been in an accident and were found at fault, it’s a good idea to compare quotes from a few insurers to keep costs as low as possible. Here are the cheapest quotes for Fort Lauderdale drivers who have been in an at-fault accident, based on Jerry data.
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $53 | $640 | Progressive | 53 | Yes | January 14, 2025 | Fort Lauderdale, FL | 33311 |
| At Fault With No Injury | $66 | $788 | Progressive | 39 | No | July 29, 2024 | Fort Lauderdale, FL | 33321 |
| At Fault With No Injury | $86 | $1,030 | Progressive | 76 | No | April 22, 2025 | Fort Lauderdale, FL | 33312 |
| At Fault With No Injury | $94 | $1,132 | Bristol West | 30 | No | November 21, 2024 | Fort Lauderdale, FL | 33312 |
| At Fault With No Injury | $98 | $1,174 | National General | 34 | No | October 7, 2024 | Fort Lauderdale, FL | 33312 |
Cheapest car insurance for drivers with speeding tickets in Fort Lauderdale
Insurers also frequently raise your rate after you receive a speeding ticket. If you’ve recently been cited, it’s wise to get multiple quotes when you’re close to your renewal date. These are the cheapest quotes that drivers in Fort Lauderdale with speeding citations on their records have received via Jerry.
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $126 | $1,506 | Bristol West | 30 | October 4, 2024 | Fort Lauderdale, FL | 33319 |
| Speeding under 15 | $130 | $1,560 | ROOT | 57 | April 9, 2025 | Fort Lauderdale, FL | 33311 |
| Speeding under 15 | $180 | $2,162 | Gainsco | 29 | June 17, 2024 | Fort Lauderdale, FL | 33308 |
| Speeding over 15 | $205 | $2,456 | Bristol West | 26 | May 7, 2025 | Fort Lauderdale, FL | 33301 |
| Speeding under 15 | $205 | $2,462 | Progressive | 31 | September 12, 2024 | Fort Lauderdale, FL | 33351 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
Lacie Glover is a Lead Writer and Editor with sixteen years’ experience in the insurance category. Prior to Jerry, she spent more than a decade on NerdWallet’s content team writing, editing and then overseeing the auto insurance category, as well as dabbling in other insurance and automotive topics. Prior to her career in the online personal finance content space, Lacie spent time in the hard sciences, in clinical research and chemistry labs. She has a bachelor’s degree from Colorado State University.
