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Cheapest Car Insurance Rates in Fort Lauderdale, florida

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Driving Conditions in Fort Lauderdale, florida

At White Chip Insurance we understand the importance of finding the best carriers for our clients.

128Rainy Days a Year
66 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Fort Lauderdale, florida Car Insurance Rates by Provider

White Chip Insurance has relationships with a variety of insurance providers, such as, Geico, Progressive, State Farm, Allstate, and USAA. It is important that you, the car owner, to compare rates and coverage options to ensure you are recieving the best policy possible. White Chip will utilize these relationships to make sure you find the best policies available in Fort Lauderdale.

ProviderAverage Annual Rate
State Farm$2,019

Fort Lauderdale, florida Car Insurance Rates by Age

Car insurance rates in the city of Fort Lauderdale are going to vary depending on the age of the driver. Typically, insurance companies will require younger drivers to pay higher rates than older drivers due to age qualifying as a risk factor when determining premiums. White Chip Insurance is committed to providing the cheapest car insurance rates to all drivers, no matter their age.

AgeAverage Annual Rate

Fort Lauderdale, florida Car Insurance Rates by Gender and Marital Status

Most states have laws prohibitting insurance companies from using gender as a basis for determining rates. Most likely, you will not find gender bias in car insurance quotes in Fort Lauderdale, FL. Although, you will typically find higher insurance rates for female drivers in Fort Lauderdale. Married couples often have lower car insurance rates than single drivers because it is assumed that married drivers will take less risks behind the wheel than single drivers. In Fort Lauderdale, FL, divorced or widowed drivers find an increase in their insurance rates than single or married drivers.

Gender and Marital StatusAverage Annual Rate

Fort Lauderdale, florida Car Insurance Rates by Driving Record

Driving records hold weight in the process of determining insurance rates for most insurance companies. While a faulty driving record can cause prices to spike, drivers with a clean driving record are more likely to recieve discounts on their insurance. On average, Fort Lauderdale, Florida offers a rate of $2,973 for clean driving records, but the rate for faulty driving records run around $4,324.

Driving RecordAverage Annual Rate
Reckless Driving$4,324
At-fault Accident (damages less than $1,000)$3,872
At-fault Accident (damages greater than $2,000)$3,872
Speeding Ticket (16-20mph over speed limit)$3,538

Fort Lauderdale, florida Car Insurance Rates by Credit Score

Credit score is often taken into consideration when determining car insurance rates. Generally, the higher the credit score, the lower the car insurance rates. Since car insurance companies take into account an individual's financial history when determining rates, those with higher credit scores may be seen as more responsible and therefore may be able to access lower rates.

Low credit score? No worries - White Chip Insurance is dedicated to providing the cheapest car insurance rates in Fort Lauderdale, Florida to drivers of all credit scores. Contact us today to learn more.

Credit ScoreAverage Annual Rate
300 - 570$5,587
580 - 669$3,435
670 - 739$2,786
740 - 799$2,515
800 - 850$2,225

Cheapest Area Codes in Fort Lauderdale, florida

Fort Lauderdale, Florida car insurance can be more expensive depending on its location and surroundings. If it is in close proximity to elite education and top-tier job opportunities, as well as safe neighborhoods and affluent ammenities, then you can expect the rates to be more pricey. The most expenzive zip code in Fort Lauderdale, Florida is 33066 with an average home value of $230,000 and the least expensive zip code is 33313 with an average home value of $198,000.

Most Expensive Fort Lauderdale, florida ZIP Codes

33438, 33440, 33493, 33313, 33319

Least Expensive Fort Lauderdale, florida ZIP Codes

33066, 33322, 33409, 33035, 33417

Local Amenities in Fort Lauderdale, florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the Tampa, Florida insurance business for several years. Check out some of Tampa’s most notable local amenities below.

Fort Lauderdale, florida Car Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Car Insurance.

What is the average cost for car insurance in Florida?

According to the Insurance Information Institue, the average cost of car insurance in Florida is $1,939 per year. The most expensive car insurance is found in the city of Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698. The average cost of car insurance in Fort Lauderdale is $2,973.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state runs a high risk of natural disasters, such as hurricanes and floods, as well as a high rate of car theft. Additionally, Florida is a no fault state, meaning that drivers are personally responsible for their own medical expenses regardless of who is at fault in an auto accident. All of this leads to an increase in the cost of various insurance rates in the state of Florida.

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How much is car insurance near Fort Lauderdale, FL?
St. PetersburgHialeahHollywood
Cape CoralPembroke PinesPort St. Lucie
Miami GardensGainesvilleCoral Springs
Lehigh AcresClearwaterPalm Bay
Pompano BeachWest Palm BeachMiramar
LakelandDavieBoca Raton
SunriseSpring HillPlantation
AlafayaFort MyersLargo
BrandonPalm Coast

Find the Cheapest Car Insurance Rates