The average cost of car insurance in Fort Lauderdale in 2021 is $1,442 per yr for minimal legal responsibility protection and $2,973 per yr for full protection. Of the virtually 229 million licensed drivers within the nation, there are greater than 15.5 million drivers in Florida. Fort Lauderdale is positioned in Florida’s Broward County.
We used 2021 common charges, coverage choices, buyer assist, monetary stability, and out there assets to choose a number of the best car insurance companies for your loved ones. Primarily based on our in-depth evaluation, these are the most effective low cost automobile insurance coverage corporations in Fort Lauderdale in 2021.
Greatest automobile insurance coverage corporations in Fort Lauderdale
The 5 corporations for the most affordable automobile insurance coverage in Fort Lauderdale embrace Geico, State Farm, Allstate, Progressive and Direct Normal.
| Insurance coverage firm | J.D. Power customer satisfaction score | Common annual premium for minimal protection | Common annual premium for full protection |
|---|---|---|---|
| Geico | 846/1000 | $1,042 | $2,502 |
| State Farm | 826/1000 | $1,199 | $2,277 |
| Allstate | 851/1000 | $1,359 | $2,963 |
| Progressive | 834/1000 | $1,637 | $2,938 |
| Direct Normal | N/A | $1,768 | $3,501 |
Geico
Geico is a automobile insurance coverage firm identified for its affordability. Its potential reductions are beneficiant, permitting you to probably save as much as 40% for having an airbag, as much as 26% for 5 years accident-free and as much as 25% when you’ve got an anti-theft system or insure a number of vehicles from the identical family. Geico additionally receives robust monetary stability scores with an A++ (Superior) score from AM Greatest, signaling dependable and immediate claims. If you happen to want further protection, you could need to discover choices for private harm safety, emergency street service and rental reimbursement protection.
State Farm
State Farm affords automobile rental protection with journey bills reimbursement with non-obligatory roadside help protection. It receives prime scores for monetary stability with an A++ (Superior) score from AM Greatest. Plus, there are glorious cellular instruments when you must management your coverage on the go. To save cash, try reductions that embrace its Drive Protected & Save and Steer Clear® packages. When you’ve got any scholar drivers in the home, they might earn as much as 25% off with the nice scholar low cost, whereas residence and automobile insurance coverage bundles would possibly save as much as 25% off complete premiums.
Allstate
Allstate affords loads of native brokers that can assist you customise your coverage. There are further protection choices that embrace sound system insurance coverage, roadside protection, private umbrella coverage and rental reimbursement protection. A monetary score of A+ (Superior) from AM Greatest additionally signifies dependable claims processing when you must file a automobile insurance coverage declare. Allstate’s automobile insurance coverage reductions embrace reductions whenever you purchase a brand new automobile, in addition to packages just like the Allstate eSmart® low cost, FullPay® low cost, and protected driving membership.
Progressive
Progressive is usually a nice alternative for high-risk drivers in Florida with useful on-line and cellular instruments. It additionally receives an A+ (Superior) score from AM Greatest for monetary stability. There are glorious protection choices that embrace free protection for pet accidents, mortgage/lease hole insurance coverage, rideshare coverage whenever you drive for Uber or Lyft and a deductible financial savings financial institution. Progressive additionally has a number of automobile insurance coverage reductions that embrace accident forgiveness, steady insurance coverage, and its signature Snapshot program with the Title Your Worth® Instrument.
Direct Normal
Direct Normal will not be as well-known as different suppliers, however it may be one to contemplate if you end up a high-risk driver who has bother discovering protection elsewhere. It believes in accident forgiveness, offering protection for all sorts of insurance coverage histories. Direct Normal additionally permits you to select your cost phrases, together with the date and quantity. It may also offer you as much as 25% in financial savings if you end up a safe driver or bundle a number of merchandise. There’s additionally 24/7 claims service and roadside help with out there SR-22 insurance.
Most cost-effective automobile insurance coverage in Fort Lauderdale
Insurance coverage in Fort Lauderdale is inexpensive than nationwide prices. Whereas the average cost of car insurance within the U.S. prices $1,674 per yr, Fort Lauderdale residents save a mean of about $230 compared. The typical value of Fort Lauderdale automobile insurance coverage is $1,442 per yr.
Along with providing a number of the cheapest car insurance in Florida, Geico, State Farm, Allstate, and Progressive additionally maintain the biggest market share within the state.
| Insurance coverage firm | Common annual premium for minimal protection | Common annual premium for full protection |
|---|---|---|
| Geico | $1,042 | $2,502 |
| State Farm | $1,199 | $2,277 |
| Allstate | $1,359 | $2,963 |
| Progressive | $1,637 | $2,938 |
Fort Lauderdale insurance coverage necessities
Drivers in Fort Lauderdale should observe Florida car insurance laws, which stipulate that drivers should carry the next quantity of minimum coverage:
- Bodily harm legal responsibility protection: $10,000 per particular person and $20,000 per accident
- Property harm legal responsibility protection: $10,000
- Private harm safety (PIP) protection: $10,000
As a result of Florida is a no-fault state, drivers should carry private harm safety (PIP) along with their normal bodily harm and property harm insurance coverage.
If you happen to lease or finance your vehicle, you could be required to hold extra than simply state minimal legal responsibility protection so all the worth of your car is protected. You may also need extra protection on your personal peace of thoughts.
Automotive insurance coverage reductions in Fort Lauderdale
Fort Lauderdale drivers within the Sunshine State can earn car insurance discounts, reminiscent of these:
- Cost reductions, reminiscent of paid in full, auto-pay, early renew, and advance quote
- Particular person reductions, reminiscent of scholar, occupational, and organizational reductions
- Navy reductions for lively responsibility and veteran insurance coverage
- Security reductions for protected driver, defensive driving and a claims-free file
Automotive insurance coverage corporations could have unique packages that can assist you decrease your automobile insurance coverage premiums. For instance, Geico works with greater than 500 organizations, alumni and special-interest teams to supply these members further reductions. Liberty Mutual affords reductions on insurance coverage for academics, whereas Farmers extends its program to additionally embrace docs and public security officers. Allstate helps drivers keep protected with its Drivewise and teenSMART driver packages, whereas Progressive affords its Snapshot telematics-based low cost. Earlier than you buy a brand new insurance coverage coverage, you could need to ask about what reductions could assist scale back the overall value of your automobile insurance coverage.
Incessantly requested questions
What’s the finest automobile insurance coverage firm?
A number of of the most affordable automobile insurance coverage corporations in Fort Lauderdale are additionally among the many best car insurance companies within the U.S., together with Geico and State Farm, in addition to others like USAA and Amica. Finally, the most effective automobile insurance coverage firm for you’ll rely upon the protection you want on your car.
How a lot does automobile insurance coverage in Fort Lauderdale value?
The typical automobile insurance coverage coverage in Fort Lauderdale prices $1,442 per yr for minimal legal responsibility protection and $2,973 per yr for full protection. Nonetheless, the price of your automobile insurance coverage coverage will rely upon a number of rate factors, together with your state, age, gender, credit score rating and claims historical past.
How a lot automobile insurance coverage do I would like in Fort Lauderdale?
Florida residents in Fort Lauderdale should carry a minimal of automobile insurance coverage together with $10,000 per particular person and $20,000 per accident in bodily harm legal responsibility protection, $10,000 in property harm legal responsibility protection, and private harm safety (PIP) protection of $10,000.
Methodology
Bankrate makes use of Quadrant Data Companies to investigate 2021 charges for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted charges are primarily based on a 40-year-old female and male driver with a clear driving file, good credit score and the next full protection limits:
- $100,000 bodily harm legal responsibility per particular person
- $300,000 bodily harm legal responsibility per accident
- $50,000 property harm legal responsibility per accident
- $100,000 uninsured motorist bodily harm per particular person
- $300,000 uninsured motorist bodily harm per accident
- $500 collision deductible
- $500 complete deductible
To find out minimal protection limits, Bankrate used minimal coverages that meet every state’s necessities. Our pattern drivers personal a 2019 Toyota Camry, commute 5 days per week and drive 12,000 miles yearly.
These are pattern charges and ought to be used for comparative functions solely. Your quotes could also be completely different.
