Find Cheap Car Insurance in
Fort Lauderdale, FL

Fort Lauderdale is known as the “Venice of America,” owing to its intricate canal system that outstrips its European namesake with over 300 miles of waterways. Originally developed in the early 1900s to drain the marshes and accommodate the burgeoning yachting community, the canals have become a defining feature of the city’s charm.

Venturing into the city’s history, Fort Lauderdale has deep Native American roots, once home to the Tequesta tribe known for their pottery and tool craftsmanship. The city also played a pivotal role in the Second Seminole War and is now recognized for the bustling Fort Lauderdale-Hollywood International Airport.

While soaking in the sun and exploring Fort Lauderdale, make sure you’re covered with the essential auto insurance required by Florida law. Whether you have a flawless driving record or some bumps along the road, Acceptance Insurance offers cheap and tailored car insurance solutions to meet your needs. Dive into the world of vehicle protection in the region, uncovering the best discounts and ensuring you’re ready to navigate this vibrant city with confidence!

Ensuring the safety of your vehicle in Fort Lauderdale typically comes with a price tag of approximately $90 per month for basic liability auto coverage. This exceeds the national average of $52 and Florida’s typical rate of $51.

For those considering a jump to full car coverage, the estimated cost hovers around $273 per month. While this may be higher than the national average of $168, it remains a more economical choice compared to Florida’s average of $340.

What Does It Mean If Florida Is a No-Fault State?

In Florida, the auto insurance scene operates under a no-fault system. This setup ensures that all drivers are covered by their policy for injuries and medical expenses stemming from an accident, regardless of fault.

If you find yourself responsible for damaging someone else’s property, Florida law requires that you have property damage liability (PDL) insurance in place.

By embracing this no-fault approach, you might notice slightly higher premiums. However, the bright side is that you won’t have to play the waiting game for fault to be determined after an accident to start receiving assistance from your insurance provider.

If you call Fort Lauderdale home, it’s wise to keep an eye out when navigating through spots like Sunrise Boulevard and Federal Highway, known for their high accident rates and congestion. These factors play a part in the elevated car insurance costs in this city, setting it apart from the surrounding areas. You can see the contrast in average monthly premiums across Florida in the table provided below.

Compare Car Insurance Rates by Zip Code in Fort Lauderdale

When insurance companies calculate your risk level for coverage, they also factor in your zip code. Peek at the table below to see how the average premiums stack up in various zip codes throughout Fort Lauderdale.

Low-Cost Car Insurance Rates by Age in Fort Lauderdale

Your policy costs can vary significantly based on your age, with younger drivers often facing higher premiums. If you’re a new driver, you may notice the impact on your expenses. Take a look at the table below to compare the average insurance costs across different age groups in Fort Lauderdale:

To calculate average costs, we utilize the following method: a 30-year-old male, with state minimum liability and full coverage of 100/300/100.

How Many Fatal Accidents Happen Per Year in Fort Lauderdale, Florida?

Florida, known as the Sunshine State, unfortunately witnesses a high number of accidents each year, leading to around 3,000 fatalities annually. Data from the Florida Highway Safety and Motor Vehicles reveal that Broward County, home to Fort Lauderdale, sees thousands of crash reports filed annually.

In 2023, Broward County experienced 40,304 crashes, resulting in 219 fatalities. The following year, the number of crashes slightly decreased to 38,262, but 223 fatalities were recorded. It’s important to drive cautiously and prioritize safety on the road, as any accidents could affect your insurance rates.

Are Road Infrastructure and Bridges in Fort Lauderdale well maintained?

Presently, Fort Lauderdale is actively enhancing its streets and infrastructure. The city has implemented a series of upgrades to its water treatment system and conducted a detailed assessment of its bridges. It is projected that over the next 20 years, approximately 22 bridges will require replacement due to their age, while five will undergo rehabilitation. This ambitious long-term project entails an investment of $91,770,000.

Furthermore, Broward County is also engaged in area improvements, including constructing a bypass road through Port Everglades. This road aims to streamline access from State Road 84 and US-1 to the Greater Fort Lauderdale region.

When you’re out cruising in Fort Lauderdale or soaking up the sun anywhere else in Florida, it’s essential to remember a couple of tips to safeguard your vehicle:

• Double-check that your property damage liability insurance covers a minimum of $10,000 per accident.
• Verify that your Personal Injury Protection (PIP) offers at least $10,000 in coverage for medical bills and related expenses.

For added peace of mind, think about going for full coverage and boosting your limits above the basic mandates.

If you happen to be caught driving around Florida without the proper auto insurance, you might run into some hurdles, such as:

• Facing a $150 fee to get your license and registration reinstated, along with the potential for a 3-year suspension for a first offense
• Dealing with a $250 reinstatement fee for subsequent violations within a 3-year span, with costs escalating for each additional infraction
• Having to foot the bill for all damages personally in case you’re involved in an accident without coverage
• Having to get an SR-22 certificate and purchasing bodily injury liability coverage following a serious collision
• Possibly encountering heftier fines and a 3-year suspension of your driver’s license, plates, and registration in more serious scenarios.

When it comes to finding the perfect auto insurance for you, it’s essential to consider a range of factors that can influence your premiums. Take into account:

• Your location
• Your driving habits and mileage
• Your history of insurance claims
• The type of car you own
• Your age and driving background
• Your marital status

Driving in Florida can definitely be an adventure, especially in cities like Miami and Orlando where heavy traffic and sudden downpours can make the roads a bit challenging.

In Fort Lauderdale, ongoing and upcoming road improvements may lead to increased street closures and higher traffic volumes, so it’s a good idea to plan for extra travel time and keep an eye out for detours. Staying updated on road closures via traffic apps and local news can help you navigate the city more smoothly, and always remember to stay patient and drive cautiously, especially during peak hours.

If you’re wanting to lower your car insurance cost, here are a handful of driver discounts that could help you save some money: