Updated July 15, 2026

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Cheap car insurance in Fort Lauderdale, FL

Fort Lauderdale drivers pay an average of $455 a month for full coverage and $140 a month for state minimum. Jerry compares 100+ insurers to find you a lower rate in minutes, with no spam calls and no pressure.

$59

Lowest state minimum quote Jerry has found in last 12 months

$158

Lowest full coverage quote Jerry has found in last 12 months

$316

Average monthly savings for drivers who switch and find savings

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Author

Megan Lee

Megan Lee is an editor, writer, and SEO with expertise in insurance, personal finance, travel, and healthcare. Her work has appeared in U.S. News & World Report, USA Today, and more. She has led remote content teams and strategies for sites like NerdWallet. When she`s not working, Megan enjoys discovering new coffee spots and attending themed events.

Credentials:

• 16 years as a professional writer and editor

• 6 years covering personal finance

Insurance Writer

Reviewer

Stephanie Colestock

Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.

Credentials:

• Certified Financial Education Instructor (CFEI) (2024)

• General Lines Agent, Property & Casualty (2025)

• 14 years as a professional writer and editor

• 10 years covering personal finance

Licensed Insurance Agent

Fort Lauderdale sits well above both the Florida state average and the national baseline for auto insurance per Jerry’s quoting data, driven by a combination of factors specific to Florida and the Broward County market. Florida’s unique no-fault framework, mandatory Personal Injury Protection (PIP) requirement and the lack of a required bodily injury liability minimum shape how policies are priced statewide. On top of that, hurricane exposure, one of the highest uninsured driver rates in the country and a shifting insurance market where several major carriers have restricted or exited Florida in recent years all feed into Fort Lauderdale premiums. Within the city itself, claim frequency varies meaningfully across ZIPs, with the western suburbs and beachfront areas averaging well below the central Fort Lauderdale and Lauderhill ZIPs.

Jerry compares 100+ insurers to help you save. We’ve found quotes for Fort Lauderdale drivers starting as low as $158 per month for full coverage (Direct Auto) and $85 per month for state minimum (GEICO) in the last 12 months. Where you land depends on your profile, your ZIP and which carrier prices your risk most favorably right now.

Real recent quotes Jerry found for Fort Lauderdale drivers

Here are some recent quotes Jerry has pulled for drivers in Fort Lauderdale. These aren’t sample rates — they’re actual quotes pulled for Fort Lauderdale drivers in the last 30 days. Driver profiles, ZIP codes and coverage levels vary.

Jerry pulls up to 20 quotes from top rated carriers.

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What are the cheapest car insurance companies in Fort Lauderdale?

Right now, GEICO is the cheapest average carrier for Fort Lauderdale drivers at around $85 per month for state minimum coverage — but “cheapest overall” doesn’t always mean cheapest for you.

Fort Lauderdale’s market shows a split between coverage tiers in our data, with one national carrier leading state minimum averages and a Florida-focused non-standard carrier leading full coverage. The gap between coverage tiers isn’t linear, which makes quote-by-quote comparison especially valuable here. Four observations to weigh as you compare quotes:

• The cheapest option for Fort Lauderdale drivers with clean records is Direct Auto. It leads the full coverage averages in our Fort Lauderdale data and produced one of the lowest individual full coverage quotes in the city. Embark General focuses on Florida-specific non-standard policies, which is a common pattern in the Fort Lauderdale market where specialty insurers compete aggressively on coverage that the bigger national carriers can’t always match.

• Your chosen coverage level completely changes which insurers offer the best deals in Fort Lauderdale. The company boasting the lowest rates for basic state minimums is rarely the same one leading the pack for full coverage, and the price gap between those options varies wildly. You should always price out the exact coverage you intend to maintain, since the cheapest option for one tier is often a pricey choice for another.

• What you pair with your car insurance also alters your bottom line. Local drivers who combine auto coverage with a renters or homeowners policy can trigger discounts massive enough to shift a normally expensive carrier into one of the most affordable choices in the area.

• Florida’s auto insurance market has evolved dramatically over the past few years. Several national car insurance companies now restrict new policies or have pulled out of the state entirely. This shift leaves a landscape where unique companies focusing exclusively on Florida write a substantial portion of coverage. Because your specific driving profile and coverage needs dictate which insurers will actually write you a policy, shopping around and comparing quotes across multiple companies is essential if you live in Fort Lauderdale.

That said, the right carrier for you depends on your driving record, age, and whether you’re bundling or qualify for other discounts. Jerry compares all of these factors across 100+ insurers at once, so you’re not guessing which scenario applies to you.

GEICO is the cheapest car insurance company in Fort Lauderdale for state minimum coverage at an average of $85 per month. 

Cheapest carriers in Fort Lauderdale by average, state minimum coverage

Insurer	Average monthly cost	Cheapest quote we’ve found
GEICO	$85	$59
GEICO	$85	$59
Root	$88	$71
National General	$97	$70
Bristol West	$111	$76

GEICO

Average monthly cost

$85

Cheapest quote we’ve found

$59

GEICO

Average monthly cost

$85

Cheapest quote we’ve found

$59

Root

Average monthly cost

$88

Cheapest quote we’ve found

$71

National General

Average monthly cost

$97

Cheapest quote we’ve found

$70

Bristol West

Average monthly cost

$111

Cheapest quote we’ve found

$76

Last Updated July 16, 2026

Based on Jerry data from the past 12 months.

Direct Auto is the cheapest car insurance company in Fort Lauderdale for full coverage at an average of $242 per month. 

Cheapest carriers in Fort Lauderdale by average, full coverage

Insurer	Average monthly cost	Cheapest quote we’ve found
Direct Auto	$242	$158
Embark General	$268	$191
National General	$313	$160
Gainsco	$315	$231
Root	$358	$196

Direct Auto

Average monthly cost

$242

Cheapest quote we’ve found

$158

Embark General

Average monthly cost

$268

Cheapest quote we’ve found

$191

National General

Average monthly cost

$313

Cheapest quote we’ve found

$160

Gainsco

Average monthly cost

$315

Cheapest quote we’ve found

$231

Root

Average monthly cost

$358

Cheapest quote we’ve found

$196

Last Updated July 16, 2026

Based on Jerry data from the past 12 months.

Key takeaway: GEICO is the cheapest option for most Fort Lauderdale drivers, but Embark General can be more competitive for drivers with less-than perfect records or who need an SR-22 filed. Comparison shopping is especially valuable in Florida’s shifting insurance market where different carriers lead different coverage tiers. Jerry shows you multiple quotes at once so you can compare and save.

Compare 100+ insurers through Jerry in less than 5 minutes

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Why is car insurance expensive in Fort Lauderdale?

Drivers in Fort Lauderdale with clean records average $341/mo, which is above the FL state average ($260/mo) and above the national average of $261/mo. Fort Lauderdale’s position above both benchmarks reflects Florida’s high statewide baseline, driven by the no-fault system’s mandatory PIP requirement, elevated uninsured driver exposure, hurricane and severe weather claim frequency, and a recent history of significant carrier changes in the state. Within Fort Lauderdale specifically, denser traffic, elevated auto theft in some neighborhoods and coastal exposure push premiums above the statewide baseline.

Fort Lauderdale car insurance rates by ZIP code

Fort Lauderdale’s location data shows a massive pricing gap across the metro area. Drivers in the cheapest areas enjoy significantly lower average premiums compared to those living in the priciest neighborhoods. The lowest rates cluster in the western Broward suburbs and northeast beachfront communities, while the highest premiums concentrate in the central and western sections of the city, alongside neighboring Lauderhill and Sunrise.

Cheapest ZIP codes

The cheapest Fort Lauderdale ZIPs cluster in Weston to the west, Plantation, Oakland Park to the north and downtown Fort Lauderdale around Rio Vista. Lower historical claim frequency and demographic factors in these neighborhoods help keep premiums below the city average.

Most expensive ZIP codes

The most expensive Fort Lauderdale ZIPs concentrate in the Lauderhill and Sunrise areas to the west, plus central and north sections of Fort Lauderdale and North Lauderdale. Higher historical claim frequency and demographic factors specific to these neighborhoods push premiums well above the city baseline.

Fort Lauderdale car insurance rates by driver profile

ZIP code gets a lot of attention, but for most drivers it’s the second or third biggest factor in their rate — not the first. Age, driving record and credit score typically move the needle more.

Here’s what Jerry’s Fort Lauderdale data shows for each, and what it actually means for your quote.

By age

Age is one of the biggest factors affecting car insurance costs in Fort Lauderdale, where younger drivers face a very steep premium curve on full coverage. This youngest age group faces average full coverage rates that soar well over double the city baseline before any discounts apply. Jerry’s Fort Lauderdale data shows a rate cliff around 25, resulting in a $30/mo drop between the 21-24 and 25-34 buckets for state minimum, and a $108/mo drop for full coverage. Pulling fresh quotes around the 25th birthday is one of the first major opportunities for younger Fort Lauderdale drivers to qualify for lower premiums.

Average cost of insurance in Fort Lauderdale by age group, state minimum

Average cost of insurance in Fort Lauderdale by age group, full coverage

By driving record

Having at-fault accidents adds 12% on average for Fort Lauderdale Jerry users. Driving record affects Fort Lauderdale rates conventionally across coverage tiers in our data, with clear positive surcharges for each violation type. Single speeding tickets add roughly a smaller amount on state minimum than on full coverage, at-fault accidents add a similar amount on state minimum and a little less on full coverage, and DUI drivers see the steepest jumps at the most on state minimum and even on full coverage.

Average cost of state minimum coverage in Fort Lauderdale, by driving record

Average cost of full coverage in Fort Lauderdale, by driving record

By credit score

Florida permits credit-based insurance scoring as one auto rating factor. The biggest premium differences typically show up at the extreme ends of the credit range, with Excellent-credit drivers seeing the largest discounts and Poor-credit drivers seeing the largest surcharges. Drivers in the middle tiers often see more variable results from one carrier to another, which makes comparison shopping especially valuable if your credit sits in the Fair-to-Good range.

Average cost of state minimum coverage in Fort Lauderdale, by credit score

Average cost of full coverage in Fort Lauderdale, by credit score

How Jerry finds car insurance savings for Fort Lauderdale drivers

Premiums have gone up for a lot of drivers in Fort Lauderdale, but you don’t have to just sit back and accept it. Jerry compares quotes, uncovers discounts and helps you choose smarter coverage for your needs and budget.

Below are real examples of Fort Lauderdale drivers who found cheaper coverage through Jerry.

Recent quotes

Learn more: Best car insurance in Florida

Calculate your car insurance costs

If you’re looking to find the cheapest car insurance in Florida, below are four top tips that Jerry’s agents have found.

Jerry Agent Tip 1: Compare quotes to find the cheapest rate

Checking quotes before your policy renews helps you avoid overpaying, no matter which coverage level you choose. Since insurers price driver profiles in Fort Lauderdale differently, the same coverage can come with very different price tags.

This is how those differences show up for real Jerry customers:

Recent customer quotes

Jerry Agent Tip 2: Stack discounts to cut your premium

Drivers in Fort Lauderdale can save by taking advantage of discounts for safe driving, bundling home and auto coverage or getting a quote early. These savings can add up quickly and make your policy more affordable without cutting back on coverage. 

The Jerry app automatically finds and applies the discounts you qualify for, so you don’t leave savings behind.

Jerry Agent Tip 3: Review coverage to maximize savings and protection

Choosing the right mix of coverage helps drivers in Fort Lauderdale strike a balance between saving money and staying well protected.

While state minimum coverage keeps costs lower, adding more protection like full coverage and roadside assistance can give peace of mind if something unexpected happens. It’s all about finding what works best for your budget and your needs, so you feel confident on the road without paying for coverage you don’t need.

Here are the coverage options Fort Lauderdale drivers can choose from to find the right combination of price and protection:

• Coverage Definitions

  Bodily injury liability (BI)

  • Who it pays: The other person, for injuries when you’re at fault in a crash.

  • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

  • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

  Property damage liability (PD)

  • Who it pays: The other person, for property you damage in a crash.

  • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

  • How it pays: Up to your policy’s limit. For example, $50K.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

  *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

  Collision

  • Who it pays: You, for damage to your own car.

  • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Comprehensive

  • Who it pays: You, for damage to your own car.

  • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Uninsured/underinsured motorist (UM/UIM)

  • Who it pays: You and your passengers, for injuries and property damage.

  • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

  • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

  • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

  Personal injury protection (PIP)

  • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

  • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

  • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

  • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

  Medical payments (MedPay)

  • Who it pays: You and your passengers, for medical bills.

  • What it covers: Medical expenses after an accident, regardless of fault.

  • How it pays: No deductible. Pays up to your policy’s limit.

  • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

Get personalized car insurance rates now.

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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your car insurance premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

• Check your car’s value (Jerry tracks this for you monthly).

• Choose what you can afford out-of-pocket.

• See how deductibles change your rate in real time.

Florida car insurance minimums: What’s required in Fort Lauderdale

Florida requires personal injury protection and property damage liability coverage on every registered vehicle. Unusually, Florida is one of the few states that does not require drivers to carry bodily injury liability coverage. Here are the minimum requirements in Florida:

• $10,000 in personal injury protection (PIP) coverage.

• $10,000 in property damage liability coverage.

Driving without the required coverage in Florida can result in fines, license suspension and registration suspension. Because bodily injury liability is not required in Florida, drivers who cause a crash without it can be personally responsible for the other party’s medical bills and lost wages, which can quickly reach tens or hundreds of thousands of dollars in a serious accident. The Florida Office of Insurance Regulation encourages drivers to consider carrying bodily injury liability along with uninsured or underinsured motorist coverage given the state’s elevated uninsured rate.

Many Fort Lauderdale drivers benefit from carrying bodily injury liability limits well above the statutory floor along with UM/UIM coverage given Florida’s uninsured driver exposure and no-fault framework. Jerry can help you find affordable car insurance starting at just $59/mo.

Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 50 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes