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Auto Insurance in Florida - Broward County

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Cara Pace
January 1, 2019

To register any vehicle in Florida, you must show proof of auto insurance that includes personal injury protection (PIP) and property damage liability. Auto insurance in Broward County is among the highest in Florida. The average annual insurance premium in Florida is $2,219 making it the third most expensive state for insurance. 

Car insurance rates can vary significantly. Each insurer uses a unique formula to determine a driver’s risk and overall premium. The average car insurance rates in Broward County are based on quote data from the Florida Office of Insurance Regulation.

The quotes collected are based on an insurance policy that includes the following coverage:

$50,000 property damage liability

$25,000/$50,000 bodily injury liability

$10,000 personal injury protection (PIP)

$5,000 medical payments coverage

$250 deductible for comprehensive

$500 deductible for collision

$25,000/$50,000 uninsured motorist (non-stacked)

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Car insurance in Broward County

The average annual premium for car insurance for a single, female driver


The average annual premium for car insurance for a family with young drivers


The average annual premium for car insurance for a senior married couple


Florida car insurance requirements

In Florida, the minimum car insurance requirements for drivers are:

  • $10,000 bodily injury per person, per accident
  • $20,000 bodily injury for all persons, per accident
  • $10,000 property damage liability
  • $10,000 personal injury protection (PIP)

In 2018, there were 41,073 car crashes reported in Broward County according to the Florida Department of Highway Safety and Motor Vehicles. Driving without enough coverage can put you at financial risk. A minor accident can end up costing thousands of dollars in repairs. 

Collision insurance ensures you are covered if your vehicle needs replacing or repairs if it’s been involved in a collision accident. Comprehensive insurance, on the other hand, provides coverage for car theft, fire or hurricane damage (weather-related), or other types of losses. 

In Broward County, drivers must maintain insurance coverage throughout the registration period. Any lapse in insurance may result in the suspension of your Florida driver’s license/registration, plus a requirement to pay a reinstatement fee of up to $500.

Top 5 auto insurance companies in Florida

GEICO is the most popular insurer among Squeeze users in Broward County, followed by Progressive. See how it compares to the top auto insurance companies state-wide.


Auto Insurance Company

Market share in Florida


Berkshire Hathaway (GEICO)






State Farm








See a complete list of auto insurance companies in Florida

See how Broward County's auto insurance rates compare to those in Palm Beach County and Orange County.

Compare Auto Insurance

Broward County driver resources

Driver’s license service centers

Broward County driver's license service centers can be found in Lauderdale Lakes, Margate, Sunrise, Pembroke Pines and Pompano Beach. Find the complete list of driver's license and motor vehicle service centers in Broward County at the Florida Highway Safety and Motor Vehicles site.

Vehicle registration renewal

To renew a vehicle registration renewal in Broward County, you can apply in person or by mail: 

Broward County Records, Taxes and Treasury Division

1800 NW 66 Ave., Suite 100 

Plantation, FL 33313

*In person, please go to Suite 101

Broward County also offers online vehicle registration renewal.

Vehicle sales tax

The Florida sales tax rate is 6%. Read more on how to calculate Florida sales tax on a car.

List of cities in Broward County, Florida

Boulevard Gardens Lighthouse Point Broadview Park Margate Chula Vista Miccosukee Reservation Coconut Creek Miramar Cooper City North Lauderdale Coral Springs Oakland Park Dania Beach Parkland Davie Pembroke Park Deerfield Beach Pembroke Pines Fern Crest Village Plantation Fort Lauderdale Pompano Beach Franklin Park Roosevelt Gardens Hallandale Beach Sea Ranch Lakes Hillsboro Beach Southwest Ranches Hillsboro Pines Sunrise Hollywood Tamarac Lake Forest Washington Park Lauderdale Lakes West Park Lauderdale-by-the-Sea Weston Lauderhill Wilton Manors Lazy Lake

All quoted rates are from the Florida Office of Insurance Regulation's CHOICES rate comparison tool. 

Quotes provided are based on the following driver profiles: 

Single, female, age 25 with one sedan (Toyota Camry LE), one violation, one no-fault accident in the preceding 3 years, and driving an estimated 12,000 miles per year for work. 

Married male (age 50) and female (age 55), plus one single male (age 20) and one single female (age 18). Two-car household driving for work and pleasure, no accidents or violations in the last 3 years. One car covers an estimated 12,000 miles per year; another car covers an estimated 8,000 miles per year.  driving an estimated 6,000 miles per year for pleasure.

Married male (age 70) and female (age 65) with one sedan (Toyota Camry LE), no accidents or violations in the last 3 years, and driving an estimated 6,000 miles per year for pleasure.

Squeeze data based on number of users at the time of article’s publication.