How Much Does Car Insurance Cost in Pompano Beach, FL?
When it comes to comparing car insurance quotes in Pompano Beach, finding the best deal can often feel overwhelming. Luckily, InsuranceQuotes is here to simplify the process and help you save both time and money. By using our service, you’ll gain access to a wide range of local and national insurance providers, allowing you to easily compare policy rates. Whether you’re searching for the cheapest auto insurance or looking for specific coverage options, our efficient platform ensures that you make well-informed decisions while maintaining valuable resources.Check out InsuranceQuotes today and make finding affordable car insurance in Pompano Beach a hassle-free experience.
How much should you expect to pay on average for car insurance in Pompano Beach?
Average Pompano Beach Car Insurance Rates:
- State Minimum Liability: You can expect to pay $154 a month or $1,842 a year.
- Full Coverage: You can expect to pay $393 a month or $4,719 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Pompano Beach – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cost data comes from the auto rates insurers file with state regulators, priced across the 10 Pompano Beach ZIP codes we price, compiled by Quadrant Information Services and updated as new rates are filed.
Cheapest Car Insurance Providers in Pompano Beach?
- In Pompano Beach, Travelers has the lowest average full-coverage rate, and GEICO has the lowest state-minimum rate (with Travelers within 10%) in our rate data.
- The cheapest state minimum liability car insurance in Pompano Beach averages about $111 a month ($1,326 a year) with GEICO.
- The cheapest full coverage car insurance for our benchmark driver in Pompano Beach averages about $256 a month ($3,073 a year) with Travelers.
The table below shows Pompano Beach averages by insurer for our benchmark driver (a single 40-year-old with good credit and a clean record), based on the rates insurers had filed with state regulators as of Aug. 31, 2026, across the 10 Pompano Beach ZIP codes in our sample. It covers the 4 insurers in our Florida data; your price depends on your exact ZIP code and driving record.
Full-coverage averages by insurer in Pompano Beach
Monthly, for the same driver and car.
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 Provider: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Travelers | $1,377 | $115 | $3,073 | $256 |
| GEICO | $1,326 | $111 | $4,127 | $344 |
| Allstate | $1,957 | $163 | $5,658 | $472 |
| Progressive | $2,709 | $226 | $6,017 | $501 |
Your ZIP code matters
How Pompano Beach Car Insurance Compares With Nearby Florida Cities
Car insurance prices shift a lot over short distances in Florida. Pompano Beach averages about $393 a month for full coverage. Here’s how nearby cities compare, from Pembroke Pines at $372 a month to Hialeah at $426.
Every Florida city we price is in the Florida city rates table, and you can compare states on our car insurance rates by state page.
How Much Car Insurance is Required in Florida?
In Florida, here is the amount of auto insurance coverage that is required by the state to operate a vehicle legally:
- Personal Injury Protection (PIP):
- $10,000 in PIP coverage is required.
- Property Damage Liability (PDL):
- $10,000 in PDL coverage is required.
Florida is a “no-fault” state, which means that drivers are required to carry PIP coverage to help pay for their own medical expenses and those of their passengers regardless of who is at fault in an accident.
The minimum coverage required in Florida (i.e., PIP and PDL) might not be sufficient to cover all expenses in the event of a severe accident. Additional coverage beyond the state’s minimum requirements may be advisable for better financial protection.
When purchasing car insurance in Florida, consider factors such as the value of your assets, your driving habits, potential risks, and your budget.
How to Save Money on Auto Insurance Policies
You can save money on your auto insurance by:
- Getting quotes from different companies and comparing prices.
- Taking a Defensive Driving Course to lower your rates.
- Asking about discounts for security features, such as anti-lock brakes, air bags, and passive restraint systems.
- Seeking companies that offer bundle discounts for home and auto insurance.
If you are older than 18 and you haven’t bought auto insurance before, you may have to pay higher rates. However, you can save money by asking about discounts that may be available to you. For inexperienced and younger drivers, these include discounts for good grades and driving safely.
Pompano Beach car insurance averages about $393 per month for full coverage for our benchmark driver, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Comparing quotes from multiple carriers using your exact ZIP code and driver profile is the most reliable way to find your lowest rate.
Want to save even more? Bundling your car with Florida home insurance rates usually earns a multi-policy discount, so price both together.
Ready to compare
How We Calculated Pompano Beach Car Insurance Rates
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.
- Sample: 80 modeled quotes (40 full coverage and 40 state minimum) from 4 insurers across the 10 Pompano Beach ZIP codes.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles. State minimum is the $10,000 personal injury protection (PIP) and $10,000 property damage liability Florida requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: an insurer is ranked only where it has a price in at least half of the ZIP codes we sample. Prices within 3% of each other are called effectively tied, and when the lowest price is more than 30% below the next one we hold back the “cheapest” label until the figure is reviewed.
- What we leave out: prices that depend on something our driver doesn’t have (a telematics program, an anti-theft device or a membership) and insurers closed to new business in Florida.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving history, credit and discounts.
Coverage requirements come from the Florida Department of Highway Safety and Motor Vehicles. We refresh these figures when new rate data is released.
Car insurance in Pompano Beach, FL averages about $393 per month for full coverage in 2026 — well above the national average. Florida is one of the most expensive states due to its no-fault PIP requirement, high litigation rates, and large uninsured motorist population. Minimum coverage in Pompano Beach averages about $154 per month, from $111 with GEICO to $226 with Progressive. GEICO has the lowest average state-minimum rate in our Pompano Beach data, at about $111/month. Comparing multiple quotes is critical since the rate gap between insurers can exceed $100/month for the same coverage.
Yes. Florida is a no-fault state requiring all drivers to carry $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). PIP pays 80% of your medical bills and 60% of lost wages after an accident regardless of fault. Florida’s no-fault law remains fully in effect in 2026 — legislative efforts to repeal it in recent sessions have not passed. Bodily injury liability is not required under Florida’s minimums, but most Pompano Beach drivers should carry it for real financial protection.
An FR-44 is a certificate of financial responsibility required in Florida after a DUI or DWI conviction. Unlike a standard SR-22, Florida’s FR-44 requires double the state minimum liability limits — at least $100,000 per person and $300,000 per accident for bodily injury, plus $50,000 in property damage. Your insurer files it with the Florida DHSMV on your behalf. FR-44 requirements typically last three years after license reinstatement and significantly increase premiums. Florida is one of only two states (with Virginia) that requires an FR-44 rather than a standard SR-22.
For Pompano Beach, FL drivers in 2026, Travelers (full coverage) and GEICO (state minimum) have the lowest average rates in our rate data. GEICO minimum coverage averages about $111/month in Pompano Beach. Travelers averages about $256/month for full coverage. Progressive is the most expensive of the four for full coverage here, at about $501/month. For high-risk drivers needing SR-22 or FR-44 filings, Dairyland and Bristol West specialize in non-standard Florida coverage. Always compare at least three to four quotes since Florida’s market is highly competitive and rates vary by more than $100/month between carriers for identical coverage.
To reduce your Pompano Beach car insurance: (1) Compare at least three carrier quotes annually since Florida rate gaps can exceed $100/month. (2) Raise your deductible on collision and comprehensive to $1,000 to cut premiums 10 to 15%. (3) Bundle auto and home or renters for a 5 to 15% multi-policy discount. (4) Maintain a clean record since one at-fault accident raises Florida rates by $75 to $100/month on average. (5) Ask about low-mileage discounts if you drive under 10,000 miles per year. (6) Consider dropping collision coverage on vehicles worth less than $4,000.
