Cheap Auto Insurance Quotes in Pompano Beach, FL (2023)

Just north of Fort Lauderdale, Pompano Beach is a very popular destination for tourists. The city features luxury resorts and is a paradise for divers who want to explore coral reefs and shipwrecks. Pompano Beach is home to over 100,000 people, and when you consider the additional number of visitors at any given time, it’s no wonder that streets here are busy. Accidents can happen at a moment’s notice, so drivers should carefully consider their level of auto coverage before hitting the road.

Car Insurance in Pompano Beach, FL

The average cost of Florida car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Pompano Beach, FL to find you the cheapest quotes in the area.

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• Cheap Car Insurance Florida

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Cheapest Car Insurance in Pompano Beach, FL

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Pompano Beach, FL

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Pompano Beach. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Florida

All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Florida^[1] are:

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. Florida is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Pompano Beach Car Insurance Rates by Driver Age

It will be hard for all but the most affluent teenagers to afford car insurance payments of $702 per month. That’s a big chunk of a rent payment for many Floridians, but the price goes down as driving experience increases. For this reason, twentysomethings see an immediate $300 price cut over the youngest drivers. From then on, the rates hover around the state average of $331. Those in their 60s get the best deal with a price that’s over $375 cheaper than what teen drivers shell out monthly.

Pompano Beach Car Insurance Rates by Driving and Accident History

In the Sunshine State, safe driving rewards people in many ways. Drivers enjoy the peace of mind that comes from defensive driving, and insurance companies give them “good driver” and “accident-free” discounts. But the deals disappear if a late morning results in a speeding ticket, which kicks the rate up by over $80. Worst of all, an at-fault accident, including a fender bender, pushes the rate up $170 per month, or over $2,000 per year. It’s not all bad news, because violations and accidents stop affecting costs after three years.

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• High-risk Car Insurance Florida

• DUI Car Insurance Florida

Pompano Beach Car Insurance Rates by Credit Tier

Many Pompano Beach residents are perplexed about how credit affects their driving. But Florida, like most states, allows insurance companies to use credit when setting rates. Typically, people with the best credit pay the least. There’s only a $2 difference between poor and average credit and likewise a $8 difference from good to excellent credit. The biggest savings come from moving from poor to excellent credit, which nets over $60 per month, or $720 per year.

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Pompano Beach, FL DMV Information

Completing your DMV tasks is a breeze in Pompano Beach. The city offers three locations to meet residents’ needs. The Driver License Office located in the Pompano Citi Centre shopping mall is a quick alternative to traditional DMV offices, and both the Florida Highway Safety and Motor Vehicles and the Auto Tags of Florida Services are just down the road. Thanks to these locations, residents of Pompano Beach rarely complain about having to visit the DMV.

Public Transportation in Pompano Beach, FL

There’s really no need to own a car if you live in Pompano Beach since the city is exceptionally easy to navigate. The weather is beautiful nearly every day, making biking or walking ideal options. Pompano Beach is served by the Broward County Mass Transit system, with 40 different bus routes that cover 410 square miles. These routes can take you within the city and to neighboring areas, while nearly any destination can be reached via Uber or Lyft.

For more detailed Florida city level guides, check out these below.

• Average Cost of Car Insurance Rates in Florida

• DUI Car Insurance Rates in Florida

• High-Risk Driver Car Insurance Rates in Florida

• Florida Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Florida

• SR-22 Insurance in Florida

How to get the best and cheapest car insurance in Pompano Beach, FL

Living in Pompano Beach can sometimes feel like a dream, with constant gorgeous weather and an array of fun activities to enjoy; however, once you get in your car, things tend to change. Many find driving here to be stressful, so it’s advised that you allow yourself plenty of time to reach your destination.

Even if you don’t drive much, it’s smart to make sure you have adequate car insurance coverage in the event of an accident. People in Pompano Beach can save time and money by using Insurify, where you can compare real-time quotes from multiple insurance carriers in a matter of minutes.

FAQs - Pompano Beach, FL Car Insurance