In Fort Lauderdale, the average cost for car insurance in 2021 was $1,442 per annum for minimum liability coverage, and $2,973 for full coverage. There are over 15.5 million drivers in Florida out of the nearly 229,000,000 licensed drivers. Fort Lauderdale is in Florida’s Broward County.
To help you choose the best car insurer for you and your family, we used average rates in 2021, policy offerings, customer service, financial stability, financial stability, financial stability, and other resources. These are the top cheap Fort Lauderdale car insurance companies in 2021, according to our detailed analysis.
Fort Lauderdale’s best car insurance companies
Geico, State Farm and Allstate are the five most affordable Fort Lauderdale car insurance companies.
Geico
Geico is known for being affordable. The discounts offered by Geico are very generous. You can save as much as 40% on an airbag, 26% for five years without an accident, and 25% if you have an anti theft system or insure multiple vehicles from the same household. Geico has strong financial stability ratings with an Superior rating by AM Best. This indicates that they are reliable and prompt in processing claims. You may also want to consider additional coverage such as personal injury protection, emergency service road service, and rental reimbursement.
State Farm
State Farm provides car rental coverage, which includes travel expenses reimbursement and optional roadside assistance. With an A++ (Superior), rating by AM Best, it has top marks for financial stability. There are also excellent mobile tools that allow you to manage your policy from anywhere. You can save money by checking out the discounts that include Drive Safe & Save or Steer clear(r) programs. Students may be eligible for a 25% discount on their car and home insurance, as well as a 25% reduction on their total premiums.
Allstate
Allstate has many local agents that can help you personalize your policy. Additional coverage options include sound system insurance and roadside coverage. There is also a personal umbrella policy, rental reimbursement coverage, and personal umbrella coverage. A rating of A+ (Superior), from AM Best, signifies that claims processing is reliable when you file a claim for car insurance. Allstate offers discounts on car insurance, including discounts for new cars, and programs such as the Allstate eSmart (r) discount or FullPay (r) discount, as well safe driving club.
Progressive
With its helpful online and mobile tools, Progressive is a great option for high-risk drivers in Florida. AM Best also gives it an A+ (Superior), rating for financial stability. It offers excellent coverage options, including free coverage for pet injuries and loan/lease gap coverage, rideshare coverage if you drive for Uber or Lyft, as well as deductible savings banks. Progressive offers several discounts on car insurance that include accident forgiveness, continuous coverage, and the signature Snapshot program with the Name Your price(r) Tool.
Direct General
Direct General is not as well-known than other providers but it’s worth considering if you’re a high-risk driver and have difficulty finding coverage elsewhere. Direct General believes in accident forgiveness and provides coverage for all insurance histories. Direct General allows you to choose the payment terms. This includes the amount and date. You might save up to 25% if you are a safe driver, or bundle multiple products. You can also get 24/7 claims service and roadside assistance with SR-22 Insurance.
Fort Lauderdale has the lowest car insurance
Fort Lauderdale insurance is cheaper than national. The average cost of car insurance for Fort Lauderdale is $1,674 per annum. Fort Lauderdale residents, however, save on average $230. Fort Lauderdale’s average car insurance cost is $1,442 annually.
Geico, State Farm and Allstate are the top three market players in Florida.
Fort Lauderdale insurance requirements
Fort Lauderdale drivers must comply with Florida car insurance law. These laws stipulate that drivers must have the following minimum coverage.
- Bodily injury coverage: $10,000 per person, $20,000 per accident
- Insurance coverage for property damage: $10,000
- Personal injury protection (PIP), coverage up to $10,000
Florida is a state that does not allow drivers to be at fault. Therefore, they must have personal injury protection (PIP), in addition to standard bodily injury or property damage insurance.
You may need to have more coverage if you lease your vehicle or finance it . This will ensure that your vehicle’s entire value is covered. For your own security, you might want to have more coverage.
Fort Lauderdale: Car insurance discounts
Fort Lauderdale residents can get car insurance discounts.
- Discounts on payment such as auto-pay, paid in full, early renewal, and advance quote
- Individual discounts such as those for students, employees, or organizations
- Discounts for military personnel and veterans who are active duty or retired
- Safety discounts for safe driving, defensive driving, and a clean record
Some car insurance companies offer special programs that can help lower your premiums. Geico, for example, works with over 500 alumni and special-interest groups in order to give members additional discounts. Teachers can get discounts from Liberty Mutual, while Farmers offers coverage for doctors and public safety officers. Allstate offers driver safety programs such as Drivewise, teenSMART driver programs and Progressive’s Snapshot discount based on telematics. You may want to inquire about any discounts that may be available before you buy a new policy.
Questions frequently asked
Which is the best auto insurance company?
Fort Lauderdale has many of the best and cheapest car insurance companies . These include Geico, State Farm, and others like USAA, Amica, and USAA. The coverage that you require for your car will determine the best auto insurance company.
What is the cost of Fort Lauderdale car insurance?
Fort Lauderdale’s average car insurance policy costs $1,442 per annum for minimum coverage, and $2,973 for full coverage. The cost of your car insurance policy will vary depending on many rate factors such as your state, credit score, and claims history.
Fort Lauderdale: How much do I need car insurance?
Fort Lauderdale residents must have minimum car insurance, including $10,000 per person, $20,000 per accident in bodily injuries liability coverage, $10,000 property damage liability coverage and $10,000 personal injury protection (PIP).