Pompano Beach, FL Car Insurance

On average, Pompano Beach drivers pay a monthly average rate of around $149 for their car insurance. Check out our guide below to find out how much you'll pay.
What rates should residents of Pompano Beach expect to pay for their car insurance? How do rates in Pompano Beach measure up compared to neighboring areas, including Florida as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Pompano Beach?

Area Average Monthly Car Insurance Premium
Pompano Beach$149
FL$122
United States$80

Coverage for your vehicle in Pompano Beach will typically run you about $27 a month more than in the rest of Florida.

Likewise, Pompano Beach residents should prepare to pay higher rates for coverage than the rest of the country. It's about $69 more expensive for coverage in Pompano Beach than the average rates for the U.S. as a whole.

While these are the average car insurance rates for Pompano Beach, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

Don't sweat it however, we've broken down average rates for Pompano Beach residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. 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
18-24$198
25-34$143
35-44$148
45-54Not Enough Data
55-64$126
65+$125

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay $73 more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may creep back up a bit in Pompano Beach.

Average Car Insurance Rates by Gender

Gender Average
Male$148
Female$151

In general, car insurance rates for women are usually cheaper than they are for men. While male drivers actually pay a bit less than female drivers on their monthly auto coverage, the difference in Pompano Beach is only about $3 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$193
Multiple Accidents$222
1 Ticket$231
Multiple Tickets$254

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Pompano Beach, drivers with one accident on their record will experience rates around $193 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $231.

Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$185
2-3 Years$150
4-5 Years$137
6-7 Years$131
8-10 Years$151
11-14 Years$160
15 Years or Older$141

The cheapest vehicles to insure in Pompano Beach are typically SUVs, with each type typically costing about $133 per month.

Truck and van drivers will see rates of about $134, while the rates for car owners average out to about $154 a month.

Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Pompano Beach, 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)$154
Married$147
Divorced$120
Widowed$128

On average, married policyholders will pay slightly less to insure their vehicle. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Pompano Beach is about $7 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$135
Rent$161
Live with parents$186

Your housing situation is another factor that affects your monthly rate. In Pompano Beach, homeowners can expect to pay around $26 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Pompano Beach, FL

Recent trends in car insurance for Pompano Beach drivers

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

In Pompano Beach, auto insurance rates had been increasing from 2016-2017, where they hit a high of $178, before steadying out in 2018. Insurance rates rose once again in 2020, and have continued rising through 2021, where they finished at $164 per month.

How does Pompano Beach compare to neighboring areas?

Why are car insurance rates in Pompano Beach different from other areas?

There are several factors car insurance companies will consider when choosing how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Area crime rates
  • Area regulations
  • Number of drivers in the area
  • Availability of off-street parking
  • General road safety (how many accidents each locality has)

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Pompano Beach?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies that offer policies in Pompano Beach.

Compare the cheapest quotes from dozens of insurance companies

Pompano Beach Insurance FAQs

What factors affect car insurance quotes in Pompano Beach?

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, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Pompano Beach different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Pompano Beach?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Pompano Beach?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com 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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Pompano Beach or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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