Fort Lauderdale, FL Car Insurance

Drivers in Fort Lauderdale pay around $156 a month for their car insurance. Read our guide below to learn more about your specific rates.
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What should residents of Fort Lauderdale expect to pay for their car insurance? How do rates in Fort Lauderdale measure up compared to neighboring areas, including Florida as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

How much is car insurance in Fort Lauderdale?

Area Average Monthly Car Insurance Premium
Fort Lauderdale$156
United States$80

Looking at the chart above, you can see that it is around $33 a month more expensive to insure your vehicle in Fort Lauderdale than it is in the rest of Florida.

Likewise, Fort Lauderdale residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $76 cheaper than it is in Fort Lauderdale.

Although these are the average car insurance rates in Fort Lauderdale, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down the average rate for Fort Lauderdale residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Fort Lauderdale Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
45-54Not Enough Data

The older you are, the more experience you're likely to have behind the wheel, right? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may start to rise again in Fort Lauderdale.

Fort Lauderdale Car Insurance Rates by Gender

Gender Average

Despite the national trend of women paying less than men to insure their vehicle, in Fort Lauderdale men actually pay $147 per month for coverage while women pay $167.

Fort Lauderdale Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$201
Multiple Accidents$265
1 Ticket$179
Multiple Tickets$301

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay much less than those with infractions. In Fort Lauderdale, a driving record with a single accident will usually get you a rate around $201 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $179 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Fort Lauderdale Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$179
2-3 Years$137
4-5 Years$163
6-7 Years$142
8-10 Years$157
11-14 Years$160
15 Years or Older$156

The cheapest vehicles to insure in Fort Lauderdale are typically SUVs, trucks, and vans, with each type typically costing about $137 per month.

Car owners, however, pay about $163 per month for auto insurance coverage.

The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Fort Lauderdale, the most expensive vehicles to insure are vehicles less than one year old.

Fort Lauderdale Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$163

On average, married policyholders will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

The difference in rates based on relationship status in Fort Lauderdale is about $26 a month, with married couples paying less for coverage than single drivers.

Fort Lauderdale Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Live with parents$192

One other element taken into consideration is your living situation. In Fort Lauderdale, homeowners can expect to pay around $35 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Fort Lauderdale, FL

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

In Fort Lauderdale, the rates for auto insurance decreased from 2017-2018, when they hit a low of $125. This pattern leveled out in 2019, when they began to rise, and have continued on that path through the present, where rates finished at $191 per month.

How does Fort Lauderdale compare to neighboring areas?

Why are car insurance rates in Fort Lauderdale different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:

  • Amount of drivers in the community
  • Crime
  • Community laws
  • Amount of off-street parking
  • Road safety

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Fort Lauderdale?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But hold on! can handle all of this for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Fort Lauderdale.

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Fort Lauderdale Auto Insurance FAQs

What factors affect car insurance quotes in Fort Lauderdale?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your marital status, credit score, address, and driving record.

Why is the cost of car insurance in Fort Lauderdale different from other neighboring cities?

Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Fort Lauderdale?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like to compare multiple quotes at once.

Do I need to change my insurance if I move to Fort Lauderdale?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Fort Lauderdale or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if can save you money.

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