For a 40-year-old driver with a clean record, Coral Springs car insurance rates average about $398 a month ($4,771 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 20% above the Florida average of $331 a month. Full-coverage averages in Coral Springs run from about $247 to $497 a month across the four major insurers we compared (Allstate, GEICO, Progressive and Travelers).
These figures cover the four ZIP codes that serve Coral Springs on the Census Bureau’s maps: 33065, 33067, 33071 and 33076. The Postal Service files 33065 and 33071 under Coral Springs and 33067 and 33076 under Pompano Beach, so those two are also in our Pompano Beach guide.
The city table on our Florida car insurance rates page lists Coral Springs by its two Coral Springs mailing ZIP codes, at about $405 a month. This guide adds 33067 and 33076, so its average, $398, covers more ZIP codes than that row.
Cost data comes from the auto rates insurers file with state regulators, priced across the four ZIP codes that serve Coral Springs, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Coral Springs averages $4,771 a year, or about $398 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $1,874 a year ($156 a month), and 50/100/50 liability with comprehensive and collision averages $4,086 ($341 a month).
Travelers’ Coral Springs average, about $247 a month, is 33% below GEICO’s ($369), a lead wide enough that we show the range instead of naming a single cheapest insurer. Among the published 2026 statewide Florida rate studies we reviewed, there is no agreement on the cheapest insurer for full coverage. Of the eight that rank insurers, three name State Farm, three name GEICO and two name Travelers. For liability-only coverage at 15/30/10 limits, Travelers has the lowest average among these four insurers, at about $110 a month, followed by GEICO at $123.
Full-coverage averages by insurer in Coral Springs
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Travelers | $1,322 | $110 | $2,965 | $247 |
| GEICO | $1,481 | $123 | $4,425 | $369 |
| Allstate | $1,982 | $165 | $5,734 | $478 |
| Progressive | $2,710 | $226 | $5,961 | $497 |
| State Farm (Nov. 2025 rates)* | $1,656 | $138 | $3,440 | $287 |
| United Automobile Insurance* | $2,785 | $232 | $3,900 | $325 |
| Nationwide* | $2,243 | $187 | $4,534 | $378 |
| Mercury Insurance* | $1,545 | $129 | $5,031 | $419 |
| Farmers* | $2,072 | $173 | $6,459 | $538 |
| National General* | $2,364 | $197 | $6,799 | $567 |
| Coral Springs average | $1,874 | $156 | $4,771 | $398 |
This table uses the four Coral Springs ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the four Coral Springs ZIP codes we price, full coverage for our driver ranges from about $389 a month in 33067 to $410 in 33071, a gap of $243 a year. The two Pompano Beach-addressed ZIP codes, 33067 and 33076, on the city’s north side, are the least expensive of the four, and 33071, in the south, the most expensive.
Lowest-priced Coral Springs ZIP codes
Highest-priced Coral Springs ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Coral Springs’ average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 33065 | $1,881 | $157 | $4,808 | $401 | +1% |
| 33067 | $1,845 | $154 | $4,671 | $389 | -2% |
| 33071 | $1,920 | $160 | $4,914 | $410 | +3% |
| 33076 | $1,848 | $154 | $4,693 | $391 | -2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $685 a year on average in our Coral Springs data, with the same $500 deductibles. That’s about $57 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the three insurers that are in both sets of rates, in the same Coral Springs ZIP codes, their full-coverage average fell from $5,955 a year nine months earlier to $5,373 in rates as of Aug. 31, 2026, a 9.8% drop. Progressive’s Coral Springs average dropped 18.1%, GEICO’s 4.3% and Allstate’s 3.8%. Travelers is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Coral Springs average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 9.9%, led by Progressive, which cut its liability-only average 15.8%.
Broward County averages about $391 a month for full coverage, the third-most expensive of the 66 Florida counties we price, after Palm Beach and Miami-Dade counties. Coral Springs runs a little above that. Deerfield Beach, to the east, averages about $394 a month.
Insurer choice matters more than the ZIP code here. The four Coral Springs ZIP codes are within about $21 a month of each other, while insurer averages run from about $247 a month for Travelers to $478 for Allstate and $497 for Progressive.
More Florida cities and towns are in the Florida rates by city table, and you can compare states on our car insurance rates by state page.
Pompano Beach, about nine miles east, averages $393 a month, Boca Raton, about 12 miles northeast, $406 and Fort Lauderdale, about 13 miles southeast, $386.
Drivers in Coral Springs follow Florida’s rules. Every vehicle registered in Florida must carry at least:
Bodily injury liability isn’t required for most Florida drivers. You need it after certain at-fault injury crashes, at 10/20 with an SR-22 filing for three years, according to the Florida Department of Highway Safety and Motor Vehicles, or after a DUI conviction, at 100/300/50 with an FR-44 filing for at least three years, under Florida Statutes section 324.023. Uninsured motorist coverage comes with any bodily injury liability policy unless you reject it in writing, under section 627.727.
Florida’s no-fault law is still in place. The 2026 bills that would have repealed it, S.B. 522 and H.B. 769, died in committee on March 13, 2026. Our Florida requirements guide covers the no-fault rules and the penalties for letting coverage lapse.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Florida law and the Florida Department of Highway Safety and Motor Vehicles. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Coral Springs averages about $398 a month ($4,771 a year) and liability-only coverage at 15/30/10 limits about $156 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 20% above the Florida average of $331 a month.
It depends on the coverage. For full coverage, averages in Coral Springs run from about $247 to $497 a month across the four major insurers we compared, and the gap between the two lowest is too wide for us to call one insurer the cheapest. For liability-only coverage at 15/30/10 limits, Travelers has the lowest average in our Coral Springs rate data, at about $110 a month. The published 2026 statewide Florida rate studies we reviewed disagree on which insurer is cheapest for full coverage: of the eight that rank insurers, three put State Farm first, three GEICO and two Travelers. Rates vary by driver, so compare quotes for your own car and ZIP code.
Pompano Beach, for our benchmark driver. Coral Springs full coverage averages about $398 a month and Pompano Beach about $393, a difference of about $5 a month for the same driver and car. Two ZIP codes, 33067 and 33076, are in both guides: they serve Coral Springs but have a Pompano Beach mailing address.
In our data, 33067 has the lowest full-coverage average in Coral Springs, at about $389 a month, and 33071 the highest, at about $410. The ZIP code table on this page lists all four.
In our Coral Springs data, full coverage (100/300/100 with $500 deductibles) averages about $398 a month and liability-only coverage at 15/30/10 limits about $156, a difference of about $242 a month ($2,897 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Florida law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the three insurers in both sets of rates (Travelers is new over the past nine months), their Coral Springs full-coverage average fell 9.8%, from about $5,955 to $5,373 a year. That’s higher than the Coral Springs average of $4,771 because it leaves out Travelers. Progressive cut its Coral Springs average 18.1%, GEICO 4.3% and Allstate 3.8%. Liability-only coverage at 15/30/10 limits fell 9.9%.
For our benchmark driver, full coverage in Coral Springs averages about $398 a month. Nearby, Pompano Beach averages about $393, Boca Raton about $406 and Fort Lauderdale about $386. Pompano Beach and Fort Lauderdale are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
