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Cheap Car Insurance in Fort Lauderdale, Florida

Find cheap car insurance in Fort Lauderdale, Florida, a happening coastal community only 28 miles north of Miami. With an estimated population of 178,752, the city was once known primarily as a spring break destination, but it’s since shed that image to attract more affluent tourists. In fact, a third of its visitors today are in town for conventions. With its many canals and waterways, Fort Lauderdale has become a major manufacturing and maintenance hub for yachts, serving a home port for more than 40,000 boats.

Driving Conditions in Fort Lauderdale

Fort Lauderdale lies directly off Interstate 95 and not far from the Florida Turnpike, both of which run north-south. With one of the country’s fastest-growing airports and third busiest cruise port, the city sees its share of traffic, with the 6 p.m. hour being among the worst time for driving, according to locals. I-95 offers express lanes to avoid congestion, but some argue the extra 10 to 15 minutes isn’t worth the tolls. The average commute time is just under 25 minutes, according to Census Bureau data. For updates on construction, delays and travel information, access fl511.com.

Unique Laws in Fort Lauderdale

Unless you’re in a funeral procession, Florida bans using hazard lights while the vehicle is moving. Florida also is among a small handful of states where you can be ticketed for driving too slow. The state’s “Move Over Law” requires drivers to move to the left lane when passing emergency vehicles or police that are stopped on the side of the roadway. Meanwhile, more odd laws still on the books proclaim it illegal to drive over graves or park within intersections.

Fort Lauderdale Crime Statistics

The Miami-Fort Lauderdale-West Palm Beach metro area landed at No. 58 on a list of worst cities for auto theft published by the National Insurance Crime Bureau. The metro reported 20,070 cases of auto theft in 2016, or a rate of 373 incidents per 100,000 people, much higher than the national average of 220 cases per 100,000 people.

Fort Lauderdale Safety Requirements

Drivers and front-seat passengers, as well as all passengers under age 18 must wear seat belts, the Florida Department of Motor Vehicles mandates. Children 3 and under must ride in a federally approved child-restraint, and 4 and 5-year-olds must be “secured by either a federally approved child restraint seat or safety belt,” the department states.

Florida in 2014 made texting while driving a secondary offense, meaning you can receive driver’s license “points” for doing so if you are stopped for something else.

Fort Lauderdale Impaired Driving Laws

Florida’s DUI laws are considered fairly strict. Any over 21 with a blood alcohol level of .08 will be charged, and first offenders receive a fine, 50 hours of community service, a year probation, up to 6 months imprisonment and a minimum license revocation of 180 days. A 12-hour DUI school is also required. Minors can be charged with a .02 blood alcohol level, or BAL, as it is known in Florida. If this happens, they lose their license for 6 months. No matter what your circumstances, we can help you find cheap car insurance in Fort Lauderdale, contact us for rate comparisons.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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