Find Car Insurance in Fort Lauderdale, FL 

What You Should Know About Car Insurance in Fort Lauderdale, FL

Much of Florida is known for its beaches and easy water access. Broward County’s Fort Lauderdale, in Southeast Florida, is one such place. Plus, its 165 miles of inland waterways and gondola rides on local canals have earned the city the nickname Venice of America.

Fort Lauderdale offers many activities for residents and visitors alike, including the Broward Center for Performing Arts and museums such as the Museum of Art and Museum of Discovery and Science. The city is home to Broward College and Keiser University-Ft. Lauderdale. These many offerings, along with the semi-tropical climate, have made tourism a big part of the area’s economy. A variety of other industries, including manufacturing, insurance, real estate, film and television, and aerospace, also support the local economy.

Before you hop onto the busy lanes of I-95, be sure you are protected with the best auto insurance in Florida from agents who provide top-tier service and competitive rates.

How Much Does Car Insurance Cost in Fort Lauderdale, Florida?

Your exact rate depends on numerous factors. But drivers pay an average of about $3,183 for full coverage and $1,128 for liability car insurance in Florida. This is above the U.S. average of $2,014 for full coverage and $622 for minimum coverage.

Why Is Insurance So Expensive in Florida?

There are a number of factors that make Florida’s vehicle coverage expensive, including:

• The high number of drivers on the road
• The number of high-risk drivers
• The area’s extreme weather

These factors contribute to an increased number of accidents and claims. And Florida’s no-fault status means that even if the other driver caused the accident, your insurer must pay your personal injury claims.

Affordable Car Insurance Rates Comparison by Cities in Fort Lauderdale

Two factors your agent will review when figuring out your rates are auto theft and accident statistics where you live. This helps your agent determine your probability of filing a claim.

The chart below shows the average monthly insurance rates for Fort Lauderdale and some other Florida cities.

City	Full Coverage Insurance	Liability Insurance Coverage
Fort Lauderdale	$265	$94
Miami	$289	$104
Orlando	$218	$78
West Palm Beach	$292	$102
Boca Raton	$281	$99

How Bundling Your Car and Homeowners Insurance Can Save You Money in Fort Lauderdale

One way you can lower your rate is by bundling policies. This means if you need an auto policy for two vehicles, you buy them both from one agent. But this also works if you need another type of coverage, such as homeowners insurance or even renters coverage.

Bundling may save you up to 25% off your policy as well as the trouble of managing various sets of paperwork from multiple carriers. Whether you live in Central Beach, Coral Ridge, or anywhere else in Fort Lauderdale, your InsureOne agent will provide personalized service that meets your unique needs.

What Types of Car Insurance Discounts Are Available in Fort Lauderdale?

In addition to bundling, insurers offer a number of other ways to earn discounts on auto coverage. Talk to your agent about which ones you may be eligible for, such as one or more of the following:

• Military
• Anti-theft
• Customer loyalty
• Driver safety course
• Good student
• Low mileage

Notable Car Insurance Laws in Fort Lauderdale

Florida is a no-fault state, which means each driver is responsible for covering their own damage and medical expenses caused by an accident regardless of fault. The city of Fort Lauderdale, just like the rest of Florida, requires its drivers to carry a certain amount of liability insurance, as noted below.

What Are the Mandatory Car Insurance Requirements in Fort Lauderdale?

Requirements for Fort Lauderdale automobile drivers include carrying personal injury protection (PIP) and property damage liability (PDL) when registering a vehicle with at least four wheels. Florida does not require bodily injury protection like many other states. Instead, your PIP insurance will cover medical expenses up to policy limits. This excludes pain and suffering, but injured parties may sue the driver determined to be at fault for reimbursement.

Vehicle insurance requirements at the time of registration and throughout the registration period include:

• $10,000 personal injury protection (which covers 80% of medical expenses regardless of fault)
• $10,000 property damage liability

The vehicle must have coverage even if it is non-operational. Before canceling your policy, you must surrender the license plate.

What Is the Penalty for Driving Without Insurance in Fort Lauderdale?

If you are caught driving your registered vehicle without the required insurance, you may be subject to the following consequences:

• License suspension
• Registration suspension
• Reinstatement fee (up to $500)

Do Fort Lauderdale–Specific Laws Play a Role in Determining Your Insurance Premiums?

The short answer is no. But all Florida laws apply to Fort Lauderdale drivers. Here are some of the factors Fort Lauderdale agents consider when determining your premium:

• Your age: Younger people usually have less driving experience, so they are considered higher risk. As people age into their 60s and beyond, they are considered higher risk due to changes in health and reaction time. Higher risk means higher rates.
• Credit history: People with a lower credit score are statistically more likely to file a claim, so their rates may be higher.
• Driving history: People with a history of claims or accidents will likely see a higher rate.
• Mileage: If you drive your car only occasionally, you may see a lower rate.
• Car statistics: Your vehicle’s age, make, and model help determine your rate. More expensive cars generally cost more to insure. Cars with more safety features may have lower rates.

Typical Driving Conditions in Fort Lauderdale

Fort Lauderdale experiences regular wet weather in the form of heavy rains, tropical storms, and hurricanes, but summer weather can also see highs into the 90s.

These weather conditions cause varying traffic problems. Fog and heavy precipitation can limit visibility. Rain-drenched roads reduce tire traction, increasing the likelihood of hydroplaning and accidents. Wind speed can also decrease safe driving. Elevated temperatures can send tempers flaring leading to impatient drivers.

With about 183,000 residents and 10 million visitors each year, the Fort Lauderdale highways are well populated. Stay alert and keep your distance from other drivers on the road. And be sure you are protected with high-quality car insurance.

How Many Car Accidents Happen in Fort Lauderdale Per Year?

In 2024, statistics for teen drivers show 7 fatalities and 22 serious injuries in Fort Lauderdale.

The chart below shows the total number of crashes in Fort Lauderdale compared to four other Florida cities, as reported on the Florida Department of Transportation’s Traffic Safety Dashboard:

City	Total Crashes
Fort Lauderdale	12,680
Miami	27,960
Orlando	18,769
West Palm Beach	6,772
Boca Raton	4,711

How Many Uninsured/Underinsured Motorists Are in Fort Lauderdale?

Statistics for February 2025 show 6.11% of Broward County’s registered vehicles as uninsured. This proves how important it is to protect yourself by adding uninsured/underinsured motorist coverage to your policy.

Avoid becoming one of the statistics by speaking with your expert InsureOne agent, who can provide cost savings and customized service.