Fort Lauderdale, FL Car Insurance

The average cost for car insurance in Fort Lauderdale is about $146 a month. To find out more check out our guide below.
How does Fort Lauderdale stack up to the rest of the area, or even Florida as a whole? How much can 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$146
United States$80

As you can tell from the chart above, the cost of coverage in Fort Lauderdale is about $23 a month more expensive than the rest of Florida.

If you're considering relocating to Fort Lauderdale from out of state, you may want to budget a little extra for your insurance. The cost of insuring a vehicle in Fort Lauderdale is about $66 more expensive than the average rate for the rest of the U.S.

Keep in mind that while these are the average car insurance rates for Fort Lauderdale, it isn't guaranteed that it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

We've done the heavy lifting for you and broken down the average rate for Fort Lauderdale so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, 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

The longer you've been behind the wheel, the more experienced of a driver you are. That experience pays off when it comes to auto insurance. 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. That said, once you hit retirement age, your rates may start to rise again in Fort Lauderdale.

Average Car Insurance Rates by Gender

Gender Average

Although women typically pay less than men do for insurance coverage, this is not the case in Fort Lauderdale, where female drivers pay around $157 per month while male drivers pay about $138.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$227
Multiple Accidents$256
1 Ticket$191
Multiple Tickets$322

Rates can change drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Fort Lauderdale, a driving record with a single accident will usually get you a rate around $191 a month. In addition, drivers with one ticket can expect to pay around $227 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$168
2-3 Years$128
4-5 Years$149
6-7 Years$135
8-10 Years$148
11-14 Years$152
15 Years or Older$144

The most affordable vehicles to insure in Fort Lauderdale are usually SUVs, which run about $124 per month.

Truck and van drivers will see rates of about $129 to insure their car, while car owners by and large pay around $154 per month.

The age of your vehicle can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. In Fort Lauderdale, for example, 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)$152

Generally, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Fort Lauderdale can be as much as $19 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Live with parents$193

Another factor taken into consideration is your living accommodations. Homeowners in Fort Lauderdale can expect to pay around $27 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.

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 when choosing your car insurance policy.

In Fort Lauderdale, car insurance rates dropped from 2016-2017, before steadying out in 2018. Car insurance rates rose again recently, hitting a high of $170 in 2021.

How does Fort Lauderdale compare to neighboring areas?

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

Car insurance companies take in a variety of factors when deciding how much individual insurance policies will cost. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:

  • Off-street parking access
  • Community regulations
  • Crime
  • Total number of drivers in the area
  • Road Safety (frequency of local car accidents)

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

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 wait! does all of that work for you. Just put in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Fort Lauderdale.

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Fort Lauderdale Insurance FAQs

What factors affect car insurance quotes in Fort Lauderdale?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

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. 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