Services
Insurance
Loans
Repairs
Advice
About

Cheapest car insurance in Plantation, Florida (Mar 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Plantation, Florida.
compare
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
compare
avatar
Bonnie Stinson
Expert Insurance Writer
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by Maria Cruz, Expert Insurance Writer & Editor

How to find the cheapest car insurance in Plantation

On average, car insurance in Plantation costs about $118 per month for minimum coverage liability insurance, and about $154 per month for full coverage insurance. Plantation drivers pay 27% more than the average rate in Florida.  
With hundreds of providers and thousands of
car insurance
products on the market, finding the right coverage—let alone the right price!—can be challenging.
Jerry
helps you compare quotes and makes finding
cheap car insurance in Florida
and Plantation quick and hassle-free! 
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$113
Katharine, 64
Zip: 33324
Toyota Corolla L
• No Coverage Liability
Allstate
$150
Lina, 43
Zip: 33313
Hyundai Elantra SEL
• State Minimum Liability
• Comp / Collision
Travelers
$397
Sallie, 50
Zip: 33325
KIA Stinger GT2
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$185
Milton, 33
Zip: 33317
BMW 428 i Gran Coupe
• 100,000/300,000 Liability
Infinity
$143
Adele, 51
Zip: 33323
Dodge Charger SXT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 23, 2024

Cheapest Plantation car insurance for good drivers

Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in Plantation can save up to 40% on their insurance, and with Jerry's DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
Customer
Driving Score
Insurance Savings
Has Violations
Insurance Coverage
Jonas, 25
94
35%
No
  • State Minimum Liability
  • Minimum Coverage
Alejandra, 34
77
24%
No
  • 100/300
  • Comp/Collision
Jean, 44
85
29%
No
  • State Minimum Liability
  • Minimum Coverage
Michelle, 54
97
38%
No
  • State Minimum Liability
  • Minimum Coverage
Eric, 64
67
22%
No
  • State Minimum Liability
  • Comp/Collision

Best car insurance companies in Plantation

Looking for the cheapest car insurance rates in Plantation? Jerry conducted the largest insurance shopping survey in the nation to help figure it out.
State Farm
is often cited as the cheapest car insurance company in Florida, but some survey respondents reported that they were overcharged and their rates increased frequently. If you’re wondering who to trust among the big five in Plantation
GEICO
,
Progressive
,
Allstate
,
USAA
, and
Liberty Mutual
—here’s the truth: the most affordable insurance company is different for everyone.
You’ll need to compare rates from all of them, as well as providers like Assurance America and
Safeco
, before you can confidently name the best auto insurance provider for you. To get you started, here’s how survey respondents in Plantation rated the biggest companies on a scale of 0 to 5.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Liberty Mutual
4.6
4.2
4.7
4.5
Progressive
4.2
3.7
3.6
4.4
State Farm
4
3.3
3.7
4
Geico
3.9
3.1
3.4
4
USAA
3.9
2
N/A
4
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Lower my car insurance too!

Best cheap car insurance quotes in Plantation

Florida’s car insurance laws
oblige drivers to carry a minimum amount of
personal injury protection (PIP)
and
property damage liability (PDL)
to legally drive. 
PIP covers you and your passengers’ medical expenses (even if you were at fault), while PDL covers the cost of repairing or replacing any property you destroyed.
When it comes to car accidents, however, the minimum coverage is rarely enough to prevent at-fault drivers from huge out-of-pocket expense. 

Cheap minimum liability insurance quotes in Plantation

You need both PIP and PDL to drive in Plantation because Florida is a
no-fault state
. Your car insurance policy must include at least $10,000 of PIP coverage and $10,000 of PDL coverage. 
If you’re looking to pay the cheapest rates, you can stop reading here. Although sticking with the minimum coverage isn’t advised (more on that later), Jerry has helped many drivers find cheap, no-frills coverage in Plantation.
card cover
Ora (43 years old)
coverageCoverage
State Minimum
locationPlantation, FL
(Zip Code: 33317)
carLexus ES 330
$98
per month
card cover
Jesus (61 years old)
coverageCoverage
State Minimum
locationPlantation, FL
(Zip Code: 33324)
carTesla Model 3
$98
per month
card cover
Lina (43 years old)
coverageCoverage
State Minimum
locationPlantation, FL
(Zip Code: 33313)
$150
per month
card cover
Estelle (48 years old)
coverageCoverage
State Minimum
locationPlantation, FL
(Zip Code: 33322)
$154
per month
card cover
Adele (51 years old)
coverageCoverage
State Minimum
locationPlantation, FL
(Zip Code: 33323)
$143
per month

Do you need more than minimum coverage in Plantation?

The state's minimum liability coverage is insufficient for most Plantation drivers.
If you cause a serious injury to somebody else in {city}, their medical bills are likely to climb far past $10,000—and because Florida doesn’t require bodily injury liability car insurance, you could be at serious risk of a lawsuit if the other driver's PIP runs out. The same goes for PDL.
Florida’s car accident laws
allow drivers to file personal injury lawsuits up to four years after a crash, so having the right liability insurance is key. 
The bottom line: It's a good idea to consider liability coverage with higher limits for greater financial protection in case of an at-fault accident.

Cheap full coverage car insurance quotes in Plantation

Full coverage car insurance
is essential for protecting yourself from the costs associated with repairing or replacing your car. It typically includes both
collision
and
comprehensive coverage
. Collision insurance pays for damages after an accident, while comprehensive insurance pays for damages after a vandalism, theft, or natural disaster.
Your lender will usually require collision and comprehensive coverage if you finance or lease your car. And even if your vehicle is paid off, you should carry full coverage if its value exceeds $3,000.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• No Coverage Liability
• Comp / Collision
Progressive
$284
Rose, 50
Zip: 33313
Toyota Corolla LE
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$197
Ellen, 29
Zip: 33324
Ford F150 Supercrew
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$397
Tyler, 50
Zip: 33325
KIA Stinger GT2
• No Coverage Liability
• Comp / Collision
Bristol West
$167
Eula, 48
Zip: 33317
Subaru XV Crosstrek 2.0i Hybrid Touring
• 100,000/300,000 Liability
• Comp / Collision
Mercury
$213
Devin, 35
Zip: 33317
Ford Escape Titanium
coverageLast Updated Mar 23, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in Plantation

Based on our experience working with thousands of Plantation insurance policyholders, minimum liability coverage costs an average of $118 per month or $1,417 per year, while full coverage insurance costs an average of $154 per month or $1,848 per year.
Note that the type of car you drive, your driving record, claim history, and demographics all play a role in how your insurance premiums are calculated. Although the average rates in Plantation can give you an idea of the cost, the full price of your policy could vary by hundreds of dollars.

Car insurance quotes in Plantation by rating factors 

Is car insurance calculated
at random? No, even if it seems like it. Here are the five factors that determine the rates you pay for Plantation car insurance:  
  • Driving record and claims history: A history of car accidents and traffic tickets may increase your insurance premiums.
  • Vehicle location: Some ZIP codes come with higher rates.
  • Vehicle type: Sports cars, luxury cars, and high-performance cars tend to have higher collision and comprehensive coverage rates.
  • Usage: If you use your car regularly for work, your annual premium may be higher than if you use it only occasionally for pleasure.
  • Credit score: Drivers with good credit typically pay lower insurance premiums than those with bad credit for the same coverage.

How do different factors impact your car insurance costs in Plantation?

icon
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
icon
Prohibited (or effectively prohibited): Florida currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Plantation:

Cheap car insurance quotes in Plantation after driving violations

Your
Florida driving record
can significantly affect your car insurance rates. High-risk drivers receive proportionally higher insurance premiums. While a conviction for running a red light, committing a DUI, or
reckless driving in Florida
makes it harder to find an affordable rate in Plantation, it’s not impossible. 

Cheapest car insurance in Plantation after speeding ticket

Florida speeding tickets
come in several different flavors, each with a different amount of driver violation points:
  • 1-5 MPH over limit: No points
  • 6-9 MPH over limit: 3 points
  • 10-14 MPH over limit: 3 points
  • 15-19 MPH over limit: 4 points
  • 20-29 MPH over limit: 4 points
  • 30 MPH or more over limit: 4 points and mandatory court appearance
The more severe the offense, the more you’ll pay for car insurance. In spite of this, Jerry has helped a number of drivers save money by finding the lowest rates in Plantation.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Progressive
$189
Louise, 31
Zip: 33313
Subaru Legacy
• State Minimum Liability
• Comp / Collision
Speeding 16-20
Infinity
$209
Dorothy, 47
Zip: 33322
Nissan Rogue S
• 15,000/30,000 Liability
• Comp / Collision
coverageLast Updated Mar 28, 2024

Cheapest car insurance in Plantation after DUI

Committing a
DUI in Florida
can have a significant impact on your car insurance rates. Insurance companies often view DUI offenders as high-risk drivers, which can result in higher premiums.
If you have a DUI on your record, it's important to shop around and compare rates from multiple insurance companies to find the most affordable option. Jerry can help you find the best rates for auto insurance in Plantation even after a DUI conviction.
card cover
Lily (32 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationPlantation, FL
(Zip Code: 33317)
$217
per month

Cheapest car insurance in Plantation after an at-fault accident

Your driving record in Florida is one of the crucial factors that affect your car insurance rates. Insurance companies look at any past accidents where you were at fault to determine the level of risk you pose to your insurer.
If you have been involved in an at-fault accident in the recent past, your car insurance rates in Plantation could significantly increase when your policy is up for renewal. It is essential to shop around and compare rates from different insurers to find the cheapest auto insurance after an at-fault accident.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$134
Pearl, 62
Zip: 33317
Mazda 6 Touring
• No Coverage Liability
Not At Fault
Safeco
$98
Winifred, 61
Zip: 33324
Tesla Model 3
• State Minimum Liability
At Fault With No Injury
Travelers
$397
Pearl, 50
Zip: 33325
KIA Stinger GT2
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Mar 28, 2024

Cheapest car insurance in Plantation after other driving violations

Apart from speeding tickets and DUIs, there are several other violations that can lead to an increase in car insurance costs in Plantation, including careless driving, driving without a license, and reckless driving.
We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Yield
Progressive
$143
Roxie, 23
Zip: 33322
Honda Civic Hybrid
• State Minimum Liability
Careless Driving
Gainsco
$191
Clayton, 24
Zip: 33324
Toyota Scion FR-S
• No Coverage Liability
Failure to Yield
Progressive
$143
Lester, 23
Zip: 33322
Honda Civic Hybrid
• State Minimum Liability
Improper Passing
National General
$248
Theresa, 24
Zip: 33324
Toyota Scion FR-S
• 15,000/30,000 Liability
coverageLast Updated Mar 28, 2024

Cheap car insurance quotes in Plantation by age

Young drivers typically have limited driving experience and are therefore considered high-risk by insurance companies, resulting in high insurance rates. However, when drivers reach the age of 25, they may see a drop in their rates. 
On the other hand, drivers over the age of 75 may see an increase in their rates due to potential health issues and slower reflexes.

Cheapest car insurance in Plantation for young drivers

In Plantation, young drivers between the ages of 16 and 21 pay the highest insurance premiums of any age group. 
The best financial protection for young drivers is full-coverage car insurance, which provides coverage for all their mistakes while they learn the rules of the road. The cheapest car insurance for young drivers comes with a provider that offers good student or new driver discounts.
card cover
Bettie (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationPlantation, FL
(Zip Code: 33324)
carHyundai Veloster
$486
per month
card cover
Christian (24 years old)
coverageCoverage
locationPlantation, FL
(Zip Code: 33317)
$195
per month
card cover
Theodore (24 years old)
coverageCoverage
No Coverage
locationPlantation, FL
(Zip Code: 33324)
carToyota Scion FR-S
$305
per month
card cover
Philip (22 years old)
coverageCoverage
State Minimum
locationPlantation, FL
(Zip Code: 33324)
$178
per month

Cheapest car insurance in Plantation for senior drivers

Similar to teenage drivers,
car insurance rates for senior drivers
are typically higher than the national average. Insurers consider senior drivers high-risk because:
  • Senior drivers have a higher likelihood of being involved in car accidents 
  • Accidents involving senior drivers typically result in more severe injuries and increased medical expenses
card cover
Floyd (68 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationPlantation, FL
(Zip Code: 33325)
$92
per month
card cover
Dennis (67 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationPlantation, FL
(Zip Code: 33313)
$166
per month

Cheap car insurance quotes in Plantation based on insurance history

If you've had a car insurance lapse or you're currently uninsured, it can lead to higher car insurance rates.
To help our customers avoid a lapse in coverage and make payments on time, Jerry sends payment reminders to eligible customers when a payment is due or if they're late on their payments.
We've helped many customers in Plantation who are currently uninsured or have had a lapse in coverage find affordable insurance options.
card cover
Harvey (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carHyundai Veloster
$486
per month
card cover
Billy (22 years old)
coverageCoverage
State Minimum
$188
per month
card cover
Gussie (24 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
carToyota Scion FR-S
$204
per month
card cover
Essie (24 years old)
$195
per month

Cheap car insurance quotes in Plantation for drivers with poor credit

While your credit rating doesn't necessarily reflect your driving ability, insurance companies have found a correlation between lower credit scores and higher claim filings. Plantation drivers with poor credit scores tend to face higher car insurance costs than those with good credit scores. 
If you have a credit score of 550 or less, Jerry partners with companies that provide insurance to Plantation drivers with poor credit, taking the stress out of comparison shopping.
Here’s how drivers with low credit scores saved with Jerry.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$183
Cameron, 22
Zip: 33324
Toyota Corolla SE
• No Coverage Liability
• Comp / Collision
660 - 750
Travelers
$397
Christine, 50
Zip: 33325
KIA Stinger GT2
• 100,000/300,000 Liability
• Comp / Collision
660 - 750
Gainsco
$191
Annie, 24
Zip: 33324
Toyota Scion FR-S
• No Coverage Liability
550 - 659
Bristol West
$172
Ophelia, 40
Zip: 33317
Nissan Rogue S
• No Coverage Liability
< 550
Progressive
$210
Birdie, 32
Zip: 33325
Volkswagen Passat GLS
• State Minimum Liability
coverageLast Updated Mar 22, 2024

How to lower car insurance costs in Plantation

1. Shop around and compare quotes

You can’t be 100% certain that you’ve found the best deal on auto insurance until you’ve compared it to the other products on the market. Experts recommend
shopping for car insurance quotes
from at least three different companies every six months.
Sounds like a huge chore—until you remember that Jerry makes the process lighting-fast! Get signed up in 45 seconds and compare five to seven quotes in less than a minute. It’s all the benefits of comparison shopping with none of the time commitment… and did we mention it’s free?

 2. Hunt for car insurance discounts

You can make an okay rate into a great one with the right
car insurance discount
. See if your provider offers a program for:
  • Good drivers. If you’ve held a
    clean driving record
    for at least three years, you’re due for some sweet discounts.
  • Installing a telematics device. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
  • Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
  • Bundling insurance products.
    Bundle your car and home insurance
    and you could pay less for each of them.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

Who has the cheapest auto insurance in Florida?

Farmers ranked high for policy cost satisfaction among Florida drivers in a recent survey by Jerry. GEICO, Travelers, Progressive, and State Farm may also offer affordable rates to certain driver profiles. 

How can I lower my car insurance in Florida?

Florida drivers can qualify for discounts, increase their deductible (for full coverage policies), enroll in telematics programs, or switch providers for a lower premium. Ask your current company if they offer discounts for completing a defensive driving course, too.

How much is the average car insurance per month in Florida?

For minimum coverage, the average Florida driver will pay about $174 per month for insurance, or $2,090 per year. For a full coverage policy with more protection, expect to pay about approximately $312 per month, or $3,741 per year. 

Why is Florida car insurance so high?

Florida is a no-fault state and it has the highest proportion of uninsured drivers in the country. Plus, Florida drivers’ risk exposure is unusually high when you consider traffic density in urban centers, extreme weather patterns, and the skyrocketing price of healthcare in the Sunshine State.

What is the most basic car insurance in Florida?

All Florida drivers are required to carry a bare minimum level of liability coverage in the amount of $10,000 property damage and $10,000 of personal injury protection (PIP). You can exceed these coverages—and experts recommend at least 100/300/100—but you’re legal to drive in Florida with the aforementioned 10/10 basic coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.