Fort Lauderdale, FL Car Insurance

On average, Fort Lauderdale drivers pay a monthly average rate of around $155 for their car insurance. We cover plan rates, policies and more in our guide below.
Are rates in Fort Lauderdale higher or lower than those in neighboring areas? How do they compare to the rest of Florida? What should residents of Fort Lauderdale expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Fort Lauderdale?

Area Average Monthly Car Insurance Premium
Fort Lauderdale$155
United States$81

As you can see, car insurance policies across the rest of Florida are about $32 a month cheaper than the rates drivers pay in Fort Lauderdale.

Likewise, residents of Fort Lauderdale might expect to pay higher rates for coverage than the rest of the country. The cost of auto coverage in Fort Lauderdale is about $74 more expensive than the national average.

While these numbers represent the average monthly payments for coverage in Fort Lauderdale, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But worry not, we've done the heavy lifting and broken down the average rate for Fort Lauderdale to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

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

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.

For every ten years older you get, you can expect to see a drop in your monthly premium. Fort Lauderdale drivers may see their rates begin to go back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average

Although women typically pay less than men do for auto insurance coverage, this is not the case in Fort Lauderdale, where female drivers pay around $166 per month while male drivers pay about $146.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$202
Multiple Accidents$265
1 Ticket$178
Multiple Tickets$301

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Fort Lauderdale, having a single accident on your record will usually get you rates around $202 a month. Similarly, drivers with one ticket will typically pay around $178 on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$179
2-3 Years$137
4-5 Years$162
6-7 Years$143
8-10 Years$156
11-14 Years$159
15 Years or Older$154

In Fort Lauderdale, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $133 per month for auto insurance.

Car owners will see a monthly bill of about $163, while SUV owners by and large pay around $136 per month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Fort Lauderdale, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$161

More often than not, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

The cost of auto insurance in Fort Lauderdale reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $25 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Live with parents$192

Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $35 a month more than if you own your own home in Fort Lauderdale. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Fort Lauderdale, FL

Recent trends in car insurance for Fort Lauderdale drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.

In Fort Lauderdale, auto insurance rates declined 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 road through the present, where car insurance rates finished at $198 a month.

How does Fort Lauderdale compare to neighboring areas?

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

There are numerous factors car insurance companies will consider when deciding how much to charge for a monthly rate. Many factors affecting your policy are based around your home address. These factors include things like:

  • Rate of crime
  • Road Safety (how many accidents each locality has)
  • Amount of drivers in the area
  • Off-street parking availability
  • Area laws

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Get started with a guide like this to get familiar with the average rates of your area.

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

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But hold on! will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing policies in Fort Lauderdale.

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Fort Lauderdale Insurance FAQs

What factors affect car insurance quotes in Fort Lauderdale?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

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

Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like to compare multiple quotes at once.

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

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like to compare quotes from dozens of companies side-by-side.

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

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Fort Lauderdale or just curious about rates in your area, why not take 10 minutes to see if can save you money?

Find your best rate in just a few minutes