For a 40-year-old driver with a clean record, Fort Lauderdale car insurance rates average about $386 a month ($4,627 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 17% above the Florida average of $331 a month. Travelers has the lowest full-coverage average of the four major insurers we compared (Allstate, GEICO, Progressive and Travelers), at about $250 a month.
Fort Lauderdale is a little less expensive than Broward County as a whole for our benchmark driver, about $5 a month below the county average, and the least expensive of the three Broward cities with nine or more ZIP codes in our data, below Pompano Beach and Hollywood. Compare it with the rest of the state on our Florida car insurance rates page.
We price 26 ZIP codes with a Fort Lauderdale mailing address, from about $350 a month in 33331 to $417 in 33311.
Cost data comes from the auto rates insurers file with state regulators, priced across all 26 Fort Lauderdale ZIP codes in our data, 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 Fort Lauderdale averages $4,627 a year, or about $386 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $1,770 a year ($148 a month), and 50/100/50 liability with comprehensive and collision averages $3,998 ($333 a month).
Travelers has the lowest full-coverage average among the four insurers in our Fort Lauderdale rate data. 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, GEICO has the lowest average among these four insurers, at about $103 a month, with Travelers close behind at $108.
Full-coverage averages by insurer in Fort Lauderdale
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 | $1,298 | $108 | $3,004 | $250 |
| GEICO | $1,232 | $103 | $3,815 | $318 |
| Allstate | $1,940 | $162 | $5,682 | $474 |
| Progressive | $2,612 | $218 | $6,007 | $501 |
| State Farm (Nov. 2025 rates)* | $1,585 | $132 | $3,380 | $282 |
| United Automobile Insurance* | $2,601 | $217 | $3,715 | $310 |
| Nationwide* | $2,095 | $175 | $4,318 | $360 |
| Mercury Insurance* | $1,443 | $120 | $4,792 | $399 |
| Farmers* | $1,935 | $161 | $6,152 | $513 |
| National General* | $2,208 | $184 | $6,476 | $540 |
| Fort Lauderdale average | $1,770 | $148 | $4,627 | $386 |
This table uses Fort Lauderdale ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the 26 Fort Lauderdale ZIP codes we price, full coverage for our driver ranges from about $350 a month in 33331 to $417 in 33311, a gap of $801 a year. The least expensive ZIP codes in our data, 33331, 33330 and 33325, are in the west of the mailing area, at about $350 to $358 a month. The most expensive in our data, 33309, 33313 and 33311, are northwest of downtown, at about $412 to $417.
Lowest-priced Fort Lauderdale ZIP codes
Highest-priced Fort Lauderdale ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Fort Lauderdale’s 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: |
|---|---|---|---|---|---|
| 33301 | $1,735 | $145 | $4,580 | $382 | -1% |
| 33304 | $1,719 | $143 | $4,537 | $378 | -2% |
| 33305 | $1,731 | $144 | $4,539 | $378 | -2% |
| 33308 | $1,728 | $144 | $4,538 | $378 | -2% |
| 33309 | $1,941 | $162 | $4,942 | $412 | +7% |
| 33311 | $1,985 | $165 | $5,006 | $417 | +8% |
| 33312 | $1,879 | $157 | $4,916 | $410 | +6% |
| 33313 | $1,961 | $163 | $4,985 | $415 | +8% |
| 33314 | $1,818 | $152 | $4,796 | $400 | +4% |
| 33315 | $1,717 | $143 | $4,555 | $380 | -2% |
| 33316 | $1,711 | $143 | $4,550 | $379 | -2% |
| 33317 | $1,734 | $145 | $4,599 | $383 | -1% |
| 33319 | $1,919 | $160 | $4,933 | $411 | +6% |
| 33321 | $1,910 | $159 | $4,891 | $408 | +6% |
| 33322 | $1,904 | $159 | $4,916 | $410 | +6% |
| 33323 | $1,871 | $156 | $4,827 | $402 | +4% |
| 33324 | $1,629 | $136 | $4,306 | $359 | -7% |
| 33325 | $1,618 | $135 | $4,293 | $358 | -7% |
| 33326 | $1,636 | $136 | $4,377 | $365 | -5% |
| 33327 | $1,636 | $136 | $4,348 | $362 | -6% |
| 33328 | $1,699 | $142 | $4,489 | $374 | -3% |
| 33330 | $1,613 | $134 | $4,248 | $354 | -8% |
| 33331 | $1,584 | $132 | $4,205 | $350 | -9% |
| 33332 | $1,642 | $137 | $4,366 | $364 | -6% |
| 33334 | $1,801 | $150 | $4,650 | $388 | +1% |
| 33351 | $1,914 | $160 | $4,913 | $409 | +6% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $629 a year on average in our Fort Lauderdale data, with the same $500 deductibles. That’s about $52 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 Fort Lauderdale ZIP codes, their full-coverage average fell from $5,728 a year nine months earlier to $5,168 in rates as of Aug. 31, 2026, a 9.8% drop. Fort Lauderdale averages dropped 17.7% at Progressive, 4.0% at Allstate and 3.9% at GEICO. Travelers is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Fort Lauderdale 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 9.8%, led by Progressive, which cut its liability-only average 15.6%.
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. Within Fort Lauderdale’s mailing area, prices for our driver span about $67 a month from the cheapest ZIP code in our data to the most expensive.
The insurers span much more. Travelers averages about $250 a month in Fort Lauderdale and GEICO $318, while Allstate and Progressive average about $474 and $501 for the same driver and car.
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.
Hollywood, about seven miles south, averages $395 a month and Pompano Beach, about seven miles north, $393. Coral Springs, about 13 miles northwest, averages $398, and Miramar, about 13 miles southwest, $391.
Drivers in Fort Lauderdale 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 Fort Lauderdale averages about $386 a month ($4,627 a year) and liability-only coverage at 15/30/10 limits about $148 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 17% above the Florida average of $331 a month.
Travelers has the lowest full-coverage average in our Fort Lauderdale rate data, at about $250 a month, followed by GEICO at $318 among the four major insurers we compared. For liability-only coverage at 15/30/10 limits, GEICO has the lowest average in our Fort Lauderdale rate data, at about $103 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.
Fort Lauderdale, for our benchmark driver. Fort Lauderdale full coverage averages about $386 a month and Miami about $405, a difference of about $19 a month for the same driver and car.
In our data, 33331 has the lowest full-coverage average in Fort Lauderdale, at about $350 a month, and 33311 the highest, at about $417. The ZIP code table on this page lists all 26.
In our Fort Lauderdale data, full coverage (100/300/100 with $500 deductibles) averages about $386 a month and liability-only coverage at 15/30/10 limits about $148, a difference of about $238 a month ($2,857 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 Fort Lauderdale full-coverage average fell 9.8%, from about $5,728 to $5,168 a year. That’s higher than the Fort Lauderdale average of $4,627 because it leaves out Travelers. Progressive cut its Fort Lauderdale average 17.7%, Allstate 4.0% and GEICO 3.9%. Liability-only coverage at 15/30/10 limits fell 9.8%.
For our benchmark driver, full coverage in Fort Lauderdale averages about $386 a month. Nearby, Hollywood averages about $395, Pompano Beach about $393 and Miramar about $391. Fort Lauderdale is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
