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Last updated: August 31, 2025Best Cheap Car Insurance in Fort Lauderdale
Travelers offers the most affordable auto insurance in Fort Lauderdale, with annual rates of $2,535 for full coverage and $876 for minimum coverage.
Cheapest
Editor's Rating: 4.1/5
Average Cost in Fort Lauderdale
- Full Coverage Monthly: $211
- Minimum Coverage Monthly: $73
Best for Customer Satisfaction
Editor's Rating: 4.2/5
Average Cost in Fort Lauderdale
- Full Coverage Monthly: $285
- Minimum Coverage Monthly: $86
Best for Young Drivers
Editor's Rating: 4.9/5
Average Cost in Fort Lauderdale
- Full Coverage Monthly: $218
- Minimum Coverage Monthly: $95
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Key Takeaways
- The average cost of car insurance in Fort Lauderdale is higher than the Florida average — full coverage costs an average of $3,594 annually, while minimum coverage costs an average of $1,170 annually.
- Travelers offers the cheapest overall rates in Fort Lauderdale, while GEICO has the best mix of affordability and strong customer service.
- The rates listed here are average, which can give you an idea of what you might pay, but the rates you’re quoted will vary based on factors like your age, ZIP code, driving record, and more.
Our Top Picks for the Best Cheap Auto Insurance in Fort Lauderdale
- Cheapest: Travelers
- Best for Customer Satisfaction: GEICO
- Best for Households with Young Drivers: State Farm
- Best Regional Insurer: Florida Farm Bureau
- Best for High-Risk Drivers: Dairyland
Compare the Best Cheap Auto Insurance in Fort Lauderdale
| Company | Full Coverage Annual Avg. | Minimum Coverage Annual Avg. | Mid-Atlantic Customer Satisfaction (J.D. Power) |
|---|---|---|---|
| Travelers | $2,535 | $876 | Below average |
| State Farm | $2,616 | $1,141 | Above average |
| GEICO | $3,417 | $1,033 | Above average |
| Florida Farm Bureau | Data not available | Data not available | Above average |
| Dairyland | Data not available | Data not available | Above average |
| Fort Lauderdale | $3,594 | $1,170 | – |
Detailed List of the Best Cheap Providers in Fort Lauderdale
1. Cheapest - Travelers
What We Like Most:
- Cheapest rates in Fort Lauderdale
- Good bundling discounts
- Offers commercial and non-owner auto insurance
Why we chose it
Travelers has the cheapest average rates in Fort Lauderdale for both full coverage and minimum coverage, at 29 percent and 25 percent below the city average, respectively. It also has the most affordable average rates for Florida drivers with speeding tickets, at-fault accidents, and DUIs on their record. While it ranked below average in J.D. Power’s customer satisfaction study for the Florida region, its competitive rates make it an ideal choice for those prioritizing cost.
Who it’s best for
Those looking for the absolute cheapest rates who don’t mind potentially sacrificing customer experience, and drivers with violations on their record.
Fort Lauderdale Pricing
| Travelers | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $211 | $73 |
| Annually | $2,535 | $876 |
| Difference from Fort Lauderdale average | -29% | -25% |
2. Best for Customer Satisfaction - GEICO
What We Like Most:
- Ranked #1 by J.D. Power in Florida
- Easy online quotes process
- Wide variety of discounts
Why we chose it
GEICO tends to offer affordable rates across the country, but in most regions, it doesn’t rank as highly as competitors for customer service. However, Florida is the exception — it ranked first for Florida customer satisfaction in J.D. Power’s most recent study, tying with Allstate. (Technically, USAA scored higher, but it doesn’t qualify to rank due to its eligibility restrictions). GEICO also has below-average rates for full and minimum coverage in Fort Lauderdale, making it a great option for most drivers.
Who it’s best for
Drivers looking for strong customer service without sacrificing cost, as well as those who want to purchase a policy online.
Fort Lauderdale Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $285 | $86 |
| Annually | $3,417 | $1,033 |
| Difference from Fort Lauderdale average | -5% | -12% |
3. Best for Households with Young Drivers - State Farm
What We Like Most:
- Personalized service from local agents
- High claims satisfaction ratings
- Telematics program designed for young drivers
Why we chose it
State Farm is another one of our picks for the best car insurance in Fort Lauderdale, thanks to its above-average J.D. Power rating for Florida customer satisfaction, as well as its affordable average rates. State Farm works with a network of local agents that provide tailored support for customers. While you can start a quote online, you must purchase a policy by phone with one of its agents. The company also offers discounts specifically for young drivers, including its Steer Clear telematics program. This program is designed for drivers under 25 and can help keep premiums for young drivers more manageable. Along with GEICO, State Farm has the cheapest average rates for teen drivers in Florida.
Who it’s best for
Customers who prefer to work with a local agent to get a quote and purchase a policy, as well as those with a teen driver on their policy. State Farm is a particularly good option for those who want to purchase full coverage, as it has the second-cheapest rates in that category.
Fort Lauderdale Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $218 | $95 |
| Annually | $2,616 | $1,141 |
| Difference from Fort Lauderdale average | -27% | -2% |
4. Best Regional Insurer - Florida Farm Bureau
What We Like Most:
- Local, community-oriented agents
- Easy online quotes
- Diminishing deductible telematics program
Why we chose it
Florida Farm Bureau is a regional insurer in the Sunshine State that’s affiliated with the American Farm Bureau Federation. It requires a membership and has strong customer service ratings thanks to its network of community-focused agents. Data on average rates isn’t available, but Farm Bureau insurance subsidiaries tend to offer very affordable coverage, so it’s worth getting a quote if the coverage options meet your needs. Farm Bureau also offers a deductible rewards program called DriveDown, which works like other telematics programs, except that instead of earning a discount, safe drivers will have their deductible reduced.
Who it’s best for
Drivers who are already Farm Bureau members or don’t mind becoming members, and who don’t need more than standard coverage options.
5. Best for High-Risk Drivers - Dairyland
What We Like Most:
- Provides coverage for hard-to-insure drivers
- Files SR-22s
- Online quotes and purchasing
Why we chose it
Dairyland is a nonstandard insurer that specializes in providing coverage for high-risk drivers. It’s ideal for drivers who have been refused coverage from other insurers, and it’s a particularly good choice in Florida, where it earned above-average customer satisfaction ratings according to J.D. Power. While pricing data for Fort Lauderdale is not available, Dairyland tends to be more expensive than average given that it covers high-risk drivers.
Who it’s best for
Drivers with several violations on their record, have a lapse in coverage, or are otherwise high risk, and are having trouble finding coverage through a standard insurer. Dairyland is also well-reputed as a motorcycle insurer.
Fort Lauderdale Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Florida1 | CRASH Network Report Card2 | J.D. Power Claims Satisfaction3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| Travelers | 620 | C | 684 | 1.97 |
| GEICO | 660 | C- | 692 | 1.95 |
| State Farm | 639 | C- | 710 | 2.13 |
| Florida Farm Bureau | 655 | N/A | N/A | 0.27 |
| Dairyland | 649 | N/A | N/A | 4.40 |
| Average | 635 (out of 1,000) | C+ | 697 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Cheapest Full Coverage Car Insurance in Fort Lauderdale
Travelers offers the cheapest full coverage car insurance in Fort Lauderdale at $2,535 annually per year on average, which is 29 percent below the city average. State Farm and GEICO also have below-average full coverage rates in Fort Lauderdale.
| Company | Annual Fort Lauderdale Average | Monthly Fort Lauderdale Average |
|---|---|---|
| Travelers | $2,535 | $211 |
| State Farm | $2,616 | $218 |
| GEICO | $3,417 | $285 |
| Nationwide | $3,650 | $304 |
| Allstate | $4,709 | $392 |
| Progressive | $4,951 | $413 |
| Fort Lauderdale average | $3,594 | $299 |
| Florida average | $3,268 | $272 |
| U.S. average | $2,399 | $200 |
Cheapest Minimum Coverage Car Insurance in Fort Lauderdale
Travelers also has the most affordable minimum coverage car insurance in Fort Lauderdale at $876 annually on average. That’s 25 percent cheaper than the city average of $1,170. GEICO and State Farm also have below-average rates, with average annual premiums of $1,033 and $1,141, respectively.
| Company | Annual Fort Lauderdale Average | Monthly Fort Lauderdale Average |
|---|---|---|
| Travelers | $876 | $73 |
| GEICO | $1,033 | $86 |
| State Farm | $1,141 | $95 |
| Allstate | $1,250 | $104 |
| Nationwide | $1,272 | $106 |
| Progressive | $1,603 | $134 |
| Fort Lauderdale average | $1,170 | $98 |
| Florida average | $1,589 | $132 |
| U.S. average | $635 | $53 |
How Many Car Accidents Happen in Fort Lauderdale?
There were 13,411 total crashes in Fort Lauderdale in 2024, which caused 49 fatalities and 215 serious injuries.5 Most of these crashes involved lane departures or pedestrians and bicyclists. This marked a slight decrease from 2023, when there were 259 serious injuries and 40 fatalities caused by traffic accidents.
The days of the week with the most accidents were Thursday, Sunday, and Saturday, while the most dangerous time of day was 8 pm. In 2025 so far, there have been 5,795 car accidents in Fort Lauderdale, resulting in 10 fatalities and 103 serious injuries.
Minimum Auto Insurance Requirements in Florida
Florida state law requires all drivers to carry at least the following minimum auto insurance limits:
- Property damage liability: $10,000 per accident
- Personal injury protection: $10,000 per person
Florida is one of the few states that does not mandate bodily injury liability, and its minimum limits are very low, even for minimum coverage. We strongly advise that Floridians increase their liability limits and add bodily injury liability for added financial protection.
FYI:
Florida is a no-fault state, which means that drivers involved in an accident are responsible for paying for their own medical expenses, no matter who was at fault. The required personal injury protection coverage helps pay for these expenses in the event of an accident.
Frequently Asked Questions
What is the cheapest car insurance in Fort Lauderdale, Florida?
Travelers offers the cheapest car insurance in Fort Lauderdale, Florida, for both minimum and full coverage. Its average annual full coverage rate is $2,535, and its minimum coverage rate is $876.
Is Progressive or GEICO cheaper in Florida?
GEICO is cheaper than Progressive in Florida, with an average annual premium of $2,508 for full coverage, compared to Progressive’s $3,884. It’s also cheaper for minimum coverage policies — in fact, it has the cheapest average minimum coverage rates in the state. GEICO is also cheaper than Progressive in Fort Lauderdale.
How much is car insurance in Fort Lauderdale, Florida?
Car insurance in Fort Lauderdale costs an average of $3,594 per year or $299 per month for full coverage. Meanwhile, minimum coverage costs an average of $1,170 per year or $98 per month.
Is State Farm cheaper than GEICO in Florida?
State Farm is cheaper than GEICO for full coverage insurance in Florida, but only slightly. Both offer below-average rates compared to the statewide average. For minimum coverage, GEICO has cheaper rates than State Farm.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Fort Lauderdale, Florida, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000 per accident
- Personal injury protection: $10,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
- Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
- Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.
Read more about our ratings and methodology.
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyInsurer Report Card – Top Rated U.S. Car Insurance Companies for 2025. CRASH Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, October 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=24112&:refreshFlorida Traffic Safety Dashboard – S4Analytics. Signal Four Analytics. (2025).
https://signal4analytics.com/
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