Fort Lauderdale, Florida is known for its beautiful beaches, thriving nightlife, and vibrant culture. However, as a driver in this area, it’s important to have car insurance to protect yourself and others on the road. It can be a significant expense, but finding affordable coverage is possible if you know where to look.
In this article, we will explore the best cheap car insurance companies in Fort Lauderdale, Florida for 2023. We will provide an overview of each company’s coverage options, customer service, and pricing to help you make an informed decision. Whether you’re a new driver or an experienced one, our list will help you find the best car insurance coverage that fits your budget and meets your needs.
Table of Contents:
- What Car Insurance is Required in Fort Lauderdale, Florida?
- How Much Does Car Insurance Cost in Fort Lauderdale, FL?
- Cheap Car Insurance: Best Companies 2024
- Cheapest Car Insurance by Category 2024
- What factors determine the cost of car insurance?
- Least Expensive Vehicles for Insurance in Fort Lauderdale, Florida
- Car Insurance Discounts Required in Fort Lauderdale, FL
- Things You Need to Know About SR-22 and an FR-44
- 6 Tips for How to Get Cheap Car Insurance
- How We Select the Cheapest Auto Insurance
- FAQ
What Car Insurance Is Required in Fort Lauderdale, Florida?
If you are a driver in Fort Lauderdale, Florida, it’s important to understand the car insurance requirements in the state. Florida is a “no-fault” state, which means that drivers are required to carry Personal Injury Protection (PIP) insurance to cover their own medical expenses and lost wages in the event of an accident, regardless of who is at fault. In addition to PIP, Florida also requires drivers to carry Property Damage Liability (PDL) insurance to cover damages to other people’s property in the event of an accident.
The minimum coverage requirements for car insurance in Fort Lauderdale, Florida are:
- $10,000 of Personal Injury Protection (PIP) insurance
- $10,000 of Property Damage Liability (PDL) insurance
While these are the minimum requirements, it’s important to note that they may not provide enough coverage in the event of a serious accident. Drivers may want to consider purchasing additional coverage to protect themselves and their assets.
To help you understand the different coverage options available in Fort Lauderdale, Florida, we’ve created a table outlining the different types of coverage and the minimum amount required by law.
| Coverage | Amount Required |
| Personal Injury Protection | $10,000 |
| Property Damage Liability | $10,000 |
| Bodily Injury Liability | Not Required |
| Uninsured/Underinsured Motorist | Not Required |
| Comprehensive | Not Required |
| Collision | Not Required |
In addition to the minimum coverage requirements, drivers may want to consider purchasing additional coverage, such as Bodily Injury Liability insurance to cover medical expenses and lost wages of other drivers and passengers, Uninsured/Underinsured Motorist insurance to protect themselves in the event of an accident with an uninsured or underinsured driver, and Comprehensive and Collision insurance to cover damages to their own vehicle.
It’s important to shop around and compare quotes from different companies to find the best coverage for your needs and budget. By understanding the minimum requirements and the different types of coverage available, drivers in this area can make an informed decision when purchasing car insurance.
How Much Does Car Insurance Cost in Fort Lauderdale, FL?
The cost of car insurance in Fort Lauderdale, Florida can vary depending on a number of factors, including your age, driving history, type of car, and the coverage options you choose. On average, drivers in this area can expect to pay around $1,200 per year for your policy. However, this is just an average, and your actual cost may be higher or lower depending on your individual circumstances.
For example, if you’re a new driver with a clean driving record, you may be able to find car insurance for less than the average cost. On the other hand, if you have a history of accidents or traffic violations, you may end up paying more than the average cost for car insurance.
Another factor that can impact the cost of car insurance in Fort Lauderdale is the type of car you drive. If you have a newer, more expensive car, you can expect to pay more than if you have an older, less expensive car. This is because it will cost more to repair or replace a newer, more expensive car in the event of an accident. Similarly, if you have a car with a high safety rating, you may be able to get a lower rate on your insurance than if you have a car with a lower safety rating.
Ultimately, the cost of car insurance in this area will depend on a variety of factors, and there is no one-size-fits-all answer. To get an accurate idea of how much you can expect to pay, it’s important to get quotes from several different companies and compare the coverage options and prices. By doing your research and shopping around, you can find the best option for your needs and budget.
Cheap Car Insurance: Best Companies in Fort Lauderdale
When it comes to finding cheap car insurance, it’s important to shop around and compare rates from different companies. By doing your research, you can find the best coverage options at an affordable price. To help you get started, we’ve compiled a list of the best cheap car insurance companies in Fort Lauderdale, Florida.
| Company | Average Annual Rate | Average Monthly Rate |
| GEICO | $1,041 | $87 |
| State Farm | $1,152 | $96 |
| Progressive | $1,176 | $98 |
| Allstate | $1,357 | $113 |
| Esurance | $1,388 | $116 |
*Note: Rates are based on a 30-year-old driver with a clean driving record and a 2018 Honda Civic.
GEICO is our top pick for the best cheap car insurance company in Fort Lauderdale, Florida. On average, GEICO offers the lowest rates in the area, with an average annual rate of $1,041 and an average monthly rate of $87. In addition to their affordable rates, GEICO also offers a variety of coverage options, including liability, collision, and comprehensive coverage.
State Farm is another great option for drivers looking for cheap car insurance in this area. With an average annual rate of $1,152 and an average monthly rate of $96, State Farm offers competitive rates and a variety of coverage options. They also have a strong reputation for customer service, making them a great choice for drivers who want a reliable provider.
Progressive is another affordable option for drivers in Fort Lauderdale, with an average annual rate of $1,176 and an average monthly rate of $98. In addition to their low rates, Progressive also offers a variety of discounts and coverage options, making them a great choice for drivers who want to customize their policy to fit their needs.
Allstate and Esurance are also great options for cheap car insurance for you, with average annual rates of $1,357 and $1,388, respectively. While their rates are slightly higher than some of the other companies on our list, they still offer affordable coverage options and a variety of discounts to help drivers save money.
Cheapest Car Insurance by Category 2024
Minimum Car Insurance
In Fort Lauderdale, Florida, the cheapest minimum car insurance coverage includes liability insurance, which covers damages to other people’s property and injuries they sustain in an accident that you are at fault for. To help you compare rates for this coverage, we’ve created a table based on the cheapest minimum car insurance rates for a 30-year-old driver with a clean driving record in Fort Lauderdale for a popular car model, a 2019 Toyota Camry LE:
| Company | Coverage Options | Zip Code | Annual Premium | Monthly Premium | Deductible |
| GEICO | Liability | 33301 | $394 | $33 | $500 |
| Progressive | Liability | 33308 | $408 | $34 | $500 |
| State Farm | Liability | 33304 | $427 | $36 | $500 |
| Allstate | Liability | 33312 | $446 | $37 | $500 |
| Nationwide | Liability | 33316 | $465 | $39 | $500 |
*Note: Rates are based on a 30-year-old driver with a clean driving record, driving a 2019 Toyota Camry LE.
Again, rates may vary depending on individual circumstances and location, so it’s important to shop around and compare quotes from different companies to find the best coverage options at an affordable price.
For Full Coverage
For drivers a who want more coverage than just liability insurance, full coverage may be the right choice. Full coverage typically includes liability, collision, and comprehensive coverage. We’ve created a table based on the cheapest full coverage car insurance rates for a 30-year-old driver with a clean driving record in Fort Lauderdale for a popular car model, a 2019 Toyota Camry LE.
| Company | Coverage Options | Zip Code | Annual Premium | Monthly Premium | Deductible |
| GEICO | Full Coverage | 33301 | $1,290 | $108 | $500 |
| Progressive | Full Coverage | 33308 | $1,376 | $115 | $500 |
| State Farm | Full Coverage | 33304 | $1,422 | $118 | $500 |
| Allstate | Full Coverage | 33312 | $1,486 | $124 | $500 |
| Nationwide | Full Coverage | 33316 | $1,564 | $130 | $500 |
*Note: Rates are based on a 30-year-old driver with a clean driving record, driving a 2019 Toyota Camry LE.
As with minimum coverage rates, these full coverage rates may vary depending on individual circumstances and location. It’s important to shop around and compare quotes from different companies to find the best coverage options at an affordable price. Additionally, it’s important to consider factors such as coverage options, deductibles, and the reputation of the provider when selecting a policy.
For Teens
Car insurance for teen drivers in Fort Lauderdale, Florida can be expensive due to the increased risk of accidents. However, there are still options for finding affordable coverage. We’ve created a table based on the cheapest car insurance rates for a 19-year-old driver with a clean driving record in Fort Lauderdale for a popular car model, a 2019 Toyota Camry LE.
| Company | Coverage Options | Zip Code | Annual Premium | Monthly Premium | Deductible |
| GEICO | Liability | 33301 | $2,364 | $197 | $500 |
| Progressive | Liability | 33308 | $2,668 | $222 | $500 |
| State Farm | Liability | 33304 | $2,815 | $235 | $500 |
| Allstate | Liability | 33312 | $2,935 | $245 | $500 |
| Nationwide | Liability | 33316 | $3,052 | $254 | $500 |
*Note: Rates are based on a 19-year-old driver with a clean driving record, driving a 2019 Toyota Camry LE.
As you can see, car insurance rates for teen drivers in this area can be significantly higher than rates for older drivers. It’s important for teen drivers and their parents to shop around and compare quotes from different companies to find the best coverage options at an affordable price. Additionally, teen drivers can take advantage of discounts for good grades or completing a driver’s education course to help lower their insurance rates.
For Young Adults
Young adults who are in their early 20s may find that their car insurance rates are higher than those of older drivers. However, there are still ways to find affordable coverage. We’ve created a table based on the cheapest car insurance rates for a 20-year-old driver with a clean driving record in Fort Lauderdale for a popular car model, a 2019 Toyota Camry LE.
| Company | Coverage Options | Zip Code | Annual Premium | Monthly Premium | Deductible |
| GEICO | Liability | 33301 | $2,074 | $173 | $500 |
| Progressive | Liability | 33308 | $2,363 | $197 | $500 |
| State Farm | Liability | 33304 | $2,500 | $208 | $500 |
| Allstate | Liability | 33312 | $2,611 | $218 | $500 |
| Nationwide | Liability | 33316 | $2,736 | $228 | $500 |
*Note: Rates are based on a 20-year-old driver with a clean driving record, driving a 2019 Toyota Camry LE.
As you can see, car insurance rates for young adults in this area can be significantly higher than rates for older drivers. It’s important for young adults to shop around and compare quotes from different companies to find the best coverage options at an affordable price. Additionally, young adults can take advantage of discounts for things like good grades or completing a driver’s education course to help reduce costs.
For Adults with Good Credit
Car insurance rates for adults can vary depending on factors such as age, driving history, and location. We’ve created a table based on the cheapest car insurance rates for a 30-year-old and a 40-year-old driver with a clean driving record in Fort Lauderdale for a popular car model, a 2019 Toyota Camry LE.
| Company | Coverage Options | Zip Code | 30-year-old Annual Premium | 30-year-old Monthly Premium | 40-year-old Annual Premium | 40-year-old Monthly Premium | Deductible |
| GEICO | Liability | 33301 | $1,710 | $143 | $1,290 | $108 | $500 |
| Progressive | Liability | 33308 | $1,823 | $152 | $1,376 | $115 | $500 |
| State Farm | Liability | 33304 | $1,910 | $159 | $1,422 | $118 | $500 |
| Allstate | Liability | 33312 | $1,999 | $167 | $1,486 | $124 | $500 |
| Nationwide | Liability | 33316 | $2,095 | $175 | $1,564 | $130 | $500 |
*Note: Rates are based on a driver with a clean driving record, driving a 2019 Toyota Camry LE.
As you can see, car insurance rates for a 40-year-old driver are generally similar to rates for a 30-year-old driver in this area. However, it’s still important for all drivers to shop around and compare quotes from different companies to find the best coverage options at an affordable price. Additionally, drivers can take advantage of discounts for things like good driving history or bundling multiple policies with the same provider to help lower their insurance rates.
For Seniors
Car insurance rates for seniors in Fort Lauderdale, Florida can vary depending on factors such as age, driving history, and location. We’ve created a table based on the cheapest car insurance rates for a 50-year-old, 60-year-old, and 70-year-old driver with a clean driving record in Fort Lauderdale for a popular car model, a 2019 Toyota Camry LE.
| Company | Coverage Options | Zip Code | 50-year-old Annual Premium | 50-year-old Monthly Premium | 60-year-old Annual Premium | 60-year-old Monthly Premium | 70-year-old Annual Premium |
| GEICO | Liability | 33301 | $1,170 | $98 | $1,083 | $90 | $1,085 |
| Progressive | Liability | 33308 | $1,252 | $104 | $1,156 | $96 | $1,158 |
| State Farm | Liability | 33304 | $1,311 | $109 | $1,209 | $101 | $1,211 |
| Allstate | Liability | 33312 | $1,368 | $114 | $1,263 | $105 | $1,265 |
| Nationwide | Liability | 33316 | $1,433 | $119 | $1,325 | $110 | $1,327 |
*Note: Rates are based on a driver with a clean driving record, driving a 2019 Toyota Camry LE.
As you can see, car insurance rates for seniors in this area are generally lower than rates for younger drivers. However, it’s still important for all drivers to shop around and compare quotes from different companies to find the best coverage options at an affordable price. Additionally, seniors can take advantage of discounts for things like completing a driver safety course or driving a car with certain safety features to help lower their insurance rates.
With Driving Violations
Car insurance rates in Fort Lauderdale, Florida can increase significantly if a driver has a history of driving violations, such as at-fault accidents, DUIs, and driving with a suspended license. We’ve created a table based on the cheapest car insurance rates for a driver with a 2019 Toyota Camry LE who has one of these violations on their record.
| Company | Violation Type | Zip Code | Annual Premium | Monthly Premium | Deductible |
| GEICO | At-fault accident | 33301 | $2,614 | $218 | $500 |
| Progressive | DUI | 33308 | $3,036 | $253 | $500 |
| State Farm | Suspended license | 33304 | $3,150 | $263 | $500 |
| Allstate | Open container | 33312 | $2,759 | $230 | $500 |
| Nationwide | Expired registration | 33316 | $2,518 | $210 | $500 |
| GEICO | Driving without lights | 33301 | $2,158 | $180 | $500 |
| Progressive | Running a red light | 33308 | $2,785 | $232 | $500 |
| State Farm | Following too closely | 33304 | $2,489 | $207 | $500 |
| Allstate | Hit and run | 33312 | $3,093 | $258 | $500 |
| Nationwide | Not-at-fault accident | 33316 | $1,982 | $165 | $500 |
*Note: Rates are based on a driver with one of the listed violations and a clean driving record otherwise, driving a 2019 Toyota Camry LE.
As you can see, car insurance rates can vary greatly depending on the type of violation on a driver’s record. It’s important for drivers with violations to shop around and compare quotes from different companies to find the best coverage options at an affordable price. Additionally, some providers may offer discounts or forgiveness programs for certain violations, so it’s important to ask about those options as well.
For Poor Credit
Car insurance rates in Fort Lauderdale, Florida can also be affected by a driver’s credit score. Drivers with poor credit may have higher rates compared to those with good credit. We’ve created a table based on the cheapest car insurance rates for a driver with poor credit and a clean driving record in Fort Lauderdale for a popular car model, a 2019 Toyota Camry LE.
| Company | Coverage Options | Zip Code | Annual Premium | Monthly Premium | Deductible |
| GEICO | Liability | 33301 | $2,324 | $194 | $500 |
| Progressive | Liability | 33308 | $2,479 | $207 | $500 |
| State Farm | Liability | 33304 | $2,753 | $229 | $500 |
| Allstate | Liability | 33312 | $3,025 | $252 | $500 |
| Nationwide | Liability | 33316 | $2,812 | $234 | $500 |
*Note: Rates are based on a driver with poor credit and a clean driving record, driving a 2019 Toyota Camry LE.
As you can see, car insurance rates for drivers with poor credit in this area can be higher than rates for drivers with good credit. It’s important for drivers with poor credit to shop around and compare quotes from different companies to find the best coverage options at an affordable price. Additionally, improving credit over time can lead to lower rates in the future.
For Military Drivers
Military drivers can often find discounted car insurance rates due to their service. We’ve created a table based on the cheapest car insurance rates for popular car models in Fort Lauderdale for military drivers.
| Company | Car Model | Zip Code | Annual Premium | Monthly Premium | Deductible |
| USAA | Toyota Camry | 33301 | $1,341 | $112 | $500 |
| GEICO | Honda Civic | 33308 | $1,550 | $129 | $500 |
| State Farm | Ford F-150 | 33304 | $1,791 | $149 | $500 |
| Allstate | Toyota RAV4 | 33312 | $1,994 | $166 | $500 |
| Nationwide | Jeep Wrangler | 33316 | $2,216 | $185 | $500 |
*Note: Rates are based on a driver who is a member of the military and a clean driving record, driving the popular car models listed above.
As you can see, military drivers can often find discounted car insurance rates through companies like USAA. It’s important for military drivers to shop around and compare quotes from different companies to find the best coverage options at an affordable price. Additionally, military drivers can take advantage of any available discounts, such as those for good driving history or bundling multiple policies with the same company, to further lower their rates.
For Sports Cars
Car insurance rates for sports cars in Fort Lauderdale, Florida can be higher compared to rates for standard cars due to the increased risk of accidents and theft. We’ve created a table based on the cheapest car insurance rates for some popular sports car models in this area.
| Company | Car Model | Zip Code | Annual Premium | Monthly Premium | Deductible |
| GEICO | Chevrolet Camaro | 33301 | $2,364 | $197 | $500 |
| Progressive | Dodge Challenger | 33308 | $2,688 | $224 | $500 |
| State Farm | Ford Mustang | 33304 | $2,912 | $243 | $500 |
| Allstate | Chevrolet Corvette | 33312 | $3,146 | $262 | $500 |
| Nationwide | Porsche 911 | 33316 | $4,380 | $365 | $500 |
*Note: Rates are based on a driver with a clean driving record and a sports car model listed above.
As you can see, car insurance rates for sports cars can be significantly higher compared to rates for standard cars. It’s important for sports car owners to shop around and compare quotes from different companies to find the best coverage options at an affordable price. Additionally, sports car owners can take steps to reduce costs by driving responsibly, installing anti-theft devices, and taking advantage of any available discounts.
What factors determine the cost of car insurance?
The cost of car insurance can vary widely depending on a number of factors. Providers use a variety of factors to determine how much to charge for coverage, including the driver’s age, driving history, location, and the type of car they drive. In this article, we’ll explore the factors that determine the cost of car insurance and provide some examples of how they can impact your rates.
Driver-Related Factors:
- Age: Younger drivers, typically under the age of 25, may be charged higher rates due to their lack of experience on the road.
- Driving History: Drivers with a history of accidents or traffic violations may be charged higher rates due to their perceived risk on the road.
- Credit Score: Insurance companies may use a driver’s credit score as a factor in determining rates, as drivers with lower credit scores may be seen as higher risk.
Vehicle-Related Factors:
- Make and Model: Certain cars may be more expensive to repair or replace, which can result in higher insurance rates.
- Age of Vehicle: Older vehicles may be cheaper to insure than newer vehicles, as they may not have the same advanced safety features.
- Safety Ratings: Vehicles with higher safety ratings may be cheaper to insure, as they may be seen as less risky on the road.
Location-Related Factors:
- Zip Code: Insurance rates may vary depending on where the driver lives, as certain areas may have higher rates of accidents or thefts.
- Parking: Where the driver parks their car, such as in a garage or on the street, may impact rates due to the risk of theft or damage.
Coverage-Related Factors:
- Deductible: A higher deductible can result in lower monthly premiums, as the driver is taking on more of the risk in the event of an accident.
- Coverage Limits: Higher coverage limits can result in higher rates, as the policy provider is taking on more risk in the event of an accident.
For example, a 25-year-old driver with a history of accidents who drives a high-end luxury vehicle may be charged a higher rate than a 50-year-old driver with a clean driving record who drives a more affordable car. Similarly, a driver who lives in an area with high rates of accidents or thefts may be charged more than a driver who lives in a safer area.
Ultimately, the cost of car insurance is determined by a variety of factors, and there is no one-size-fits-all answer. By understanding the factors that impact insurance rates, drivers can make informed decisions about their coverage and find the best rates for their individual circumstances.
Least Expensive Vehicles for Insurance in Fort Lauderdale, Florida
If you’re a driver in Fort Lauderdale, Florida, you know that car insurance can be a significant expense. However, the type of car you drive can have a big impact on your rates. Some cars are more expensive to insure than others, due to factors such as the car’s safety rating, cost to repair, and likelihood of theft. In this article, we’ll explore the least expensive vehicles for insurance in this area, to help you save money.
To compile our list of the least expensive vehicles for insurance in Fort Lauderdale, we looked at data from companies and car manufacturers to determine which cars have the lowest rates. Here are our top picks:
| Car Make and Model | Average Annual Insurance Cost |
| Honda Odyssey | $1,036 |
| Jeep Wrangler | $1,098 |
| Honda CR-V | $1,117 |
| Subaru Outback | $1,121 |
| Mazda CX-5 | $1,158 |
| Toyota RAV4 | $1,183 |
| Hyundai Santa Fe | $1,211 |
| Kia Sportage | $1,222 |
| Jeep Cherokee | $1,243 |
| Ford Escape | $1,253 |
*Note: Rates are based on a 30-year-old driver with a clean driving record.
The Honda Odyssey tops our list as the least expensive car to insure in Fort Lauderdale, with an average annual insurance cost of $1,036. This family-friendly minivan is known for its safety features and reliability, making it a great choice for families looking for an affordable vehicle with low insurance rates.
The Jeep Wrangler is another affordable option for drivers in this area, with an average annual insurance cost of $1,098. This rugged SUV is popular among outdoor enthusiasts and is known for its off-road capabilities. Despite its adventurous nature, the Wrangler has a low theft rate, which helps keep rates low.
The Honda CR-V is another affordable SUV with low insurance rates, with an average annual insurance cost of $1,117. This popular vehicle is known for its safety features and fuel efficiency, making it a great choice for drivers who want an affordable SUV with low rates.
Ultimately, when it comes to finding a car with low insurance rates, it’s important to consider factors such as safety, theft rates, and repair costs. By choosing a car that is reliable and safe, drivers can save money and enjoy the peace of mind that comes with knowing they are protected on the road.
Car Insurance Discounts Required in Fort Lauderdale, Florida
Car insurance can be a significant expense for drivers. However, many companies offer discounts that can help drivers save money. In this article, we’ll explore some of the car insurance discounts that are required in Fort Lauderdale, Florida, and how drivers can take advantage of them to save money.
One of the most common car insurance discounts required in this area is the Safe Driver discount. Providers are required to offer discounts to drivers who have a clean driving record, meaning they haven’t had any accidents or traffic violations in a certain period of time. Drivers who qualify for this discount can save anywhere from 5% to 25% on their insurance rates.
Another required discount in Fort Lauderdale is the Multi-Car discount. Providers are required to offer discounts to drivers who have multiple vehicles insured with them. This discount can vary depending on the number of vehicles insured, but drivers can typically save around 10% on their insurance rates.
In addition to these required discounts, there are a number of other discounts that may be available to drivers in this area, depending on their provider. Some of the most common discounts include:
- Good Student discount: Drivers who are full-time students with a high GPA may be eligible for this discount.
- Military discount: Active duty or retired military personnel may be eligible for this discount.
- Bundling discount: Drivers who have multiple insurance policies with the same company, such as home and auto insurance, may be eligible for a discount.
- Safety features discount: Drivers who have certain safety features on their vehicle, such as anti-lock brakes or a backup camera, may be eligible for a discount.
To take advantage of these discounts, it’s important to shop around and compare quotes from different companies. By doing your research and asking about discounts, you can find the best coverage options at an affordable price. Additionally, be sure to review your policy regularly to make sure you are taking advantage of all available discounts and are getting the best rate possible.
Things You Need to Know About SR-22 and an FR-44
If you’ve been convicted of certain driving offenses in Fort Lauderdale, Florida, you may be required to file an SR-22 or FR-44 form with the state. These forms certify that you have the minimum amount of insurance required by law, and they may be required as a condition of reinstating your driver’s license. In this article, we’ll explore some important things you need to know about SR-22 and FR-44 forms in Fort Lauderdale.
- What is an SR-22? An SR-22 is a form that certifies that you have the minimum amount of liability insurance required by the state of Florida. You may be required to file an SR-22 if you have been convicted of certain driving offenses, such as driving under the influence (DUI), driving without insurance, or driving with a suspended license. The SR-22 must be filed by your provider and maintained for a certain period of time, typically three years.
- What is an FR-44? An FR-44 is similar to an SR-22, but it requires higher levels of liability insurance. You may be required to file an FR-44 if you have been convicted of a DUI or other serious driving offense in Florida. The FR-44 must be filed by your provider and maintained for a certain period of time, typically three years.
- How does an SR-22 or FR-44 affect your insurance rates? Filing an SR-22 or FR-44 can have a significant impact on your insurance rates. Because these forms are typically required after a serious driving offense, providers may view you as a high-risk driver and charge you higher rates. It’s important to shop around and compare quotes from different companies to find the best rates for your situation.
- How long do you need to maintain an SR-22 or FR-44? The length of time that you need to maintain an SR-22 or FR-44 depends on the specifics of your case. In most cases, you will need to maintain the form for three years from the date of the offense that led to its filing. However, this can vary depending on the offense and the requirements of the court.
- What happens if you fail to maintain an SR-22 or FR-44? If you fail to maintain your SR-22 or FR-44, your driver’s license may be suspended again, and you may face additional fines and penalties. It’s important to work with your insurance company to ensure that your form is filed and maintained properly.
An SR-22 or FR-44 form can be a significant requirement after a serious driving offense in this area. It’s important to understand the requirements of these forms and work with your provider to ensure that they are filed and maintained properly. By doing so, you can avoid additional fines and penalties and get back on the road safely and legally.
6 Tips for How to Get Cheap Car Insurance
It’s also important to find coverage that fits your budget. Here are some tips for how to get cheap car insurance in Fort Lauderdale, Florida:
- Shop around for the best rates: It’s important to compare quotes from different providers to find the best rates for your situation. Each insurance company may have different rates based on factors such as age, driving history, and location.
- Raise your deductible: Increasing your deductible, or the amount you pay out of pocket before insurance kicks in, can lower your monthly premium. However, it’s important to make sure you can afford the deductible in the event of an accident.
- Ask about discounts: Many providers offer discounts for things like having a clean driving record, being a student, or having multiple policies with the same company. Be sure to ask about any available discounts that can lower your insurance rates.
- Consider the type of car you drive: Certain cars may be more expensive to insure than others, based on factors such as safety ratings and likelihood of theft. Before purchasing a new car, be sure to research the insurance rates to make an informed decision.
- Maintain a good credit score: Your credit score can impact your rates, as drivers with lower credit scores may be seen as higher risk. Maintaining a good credit score can help lower your insurance rates.
- Drive safely: Avoiding accidents and traffic violations can help keep your insurance rates low. Many companies offer safe driver discounts for drivers with a clean driving record.
For example, a driver in Fort Lauderdale with a clean driving record who drives a car with a high safety rating and has a good credit score may be able to find affordable car insurance rates by shopping around, asking about discounts, and maintaining safe driving habits.
Ultimately, finding cheap car insurance in this area requires research and a bit of effort. However, by taking advantage of discounts, raising your deductible, and driving safely, you can find coverage that fits your budget and provides peace of mind on the road.
How We Select the Cheapest Auto Insurance in Fort Lauderdale, Florida
When it comes to selecting the cheapest auto insurance in this area, there are a number of factors to consider. Rates can vary widely depending on factors such as age, driving history, and location. In this article, we’ll explore how we select the cheapest auto insurance in Fort Lauderdale and provide a detailed table to help you compare rates from different companies.
To determine the cheapest auto insurance in this area, we looked at a number of factors, including:
- Coverage options: We compared rates for a standard policy with liability, collision, and comprehensive coverage.
- Driver profile: We looked at rates for a 30-year-old driver with a clean driving record.
- Location: We compared rates for drivers in different zip codes throughout the city.
- Insurance company: We looked at rates from several of the top companies in the area.
Based on these factors, we were able to compile a detailed table of the cheapest auto insurance rates in Fort Lauderdale, Florida. Rates are based on an annual premium for a 30-year-old driver with a clean driving record, driving a 2016 Honda Civic LX.
| Company | Coverage Options | Zip Code | Annual Premium | Monthly Premium |
| GEICO | Liability, Collision, Comprehensive | 33301 | $920 | $77 |
| Progressive | Liability, Collision, Comprehensive | 33308 | $980 | $82 |
| State Farm | Liability, Collision, Comprehensive | 33304 | $1,020 | $85 |
| Allstate | Liability, Collision, Comprehensive | 33312 | $1,060 | $88 |
| Nationwide | Liability, Collision, Comprehensive | 33316 | $1,100 | $92 |
*Note: Rates are based on a 30-year-old driver with a clean driving record.
As you can see, GEICO offers the cheapest auto insurance rates in this area, with an annual premium of $920. However, rates may vary depending on your individual circumstances and location, so it’s important to shop around and compare quotes from different companies.
FAQ
Q: What is the cheapest auto insurance in Fort Lauderdale, Florida?
A: The cheapest auto insurance in this area varies depending on individual circumstances and location. However, based on our research, GEICO offers some of the lowest rates in the area.
Q: What factors affect auto insurance rates in Fort Lauderdale, FL?
A: Auto insurance rates in this area are affected by factors such as age, driving history, location, and the type of vehicle being insured.
Q: How can I get the cheapest auto insurance in Fort Lauderdale, Florida?
A: To get the cheapest auto insurance in this area, it’s important to shop around and compare quotes from different companies. Additionally, maintaining a clean driving record and taking advantage of available discounts can help lower your rates.
Q: What discounts are available for auto insurance in Fort Lauderdale, FL?
A: Many companies offer discounts for things like having a clean driving record, being a student, or having multiple policies with the same company. Additionally, some providers offer discounts for safety features on vehicles, such as anti-lock brakes or a backup camera.
Q: Is liability insurance required in Fort Lauderdale, Florida?
A: Yes, liability insurance is required by law in this area. Drivers must have at least $10,000 in property damage liability coverage and $10,000 in personal injury protection (PIP) coverage.
Q: Should I choose the cheapest auto insurance option available?
A: While cost is an important factor in choosing auto insurance, it’s also important to consider coverage options and the reputation of the company. It’s important to choose a policy that meets your needs and provides adequate coverage in the event of an accident.