Fort Lauderdale Auto Insurance

Fort Lauderdale cheap Car Insurance

Looking for cheap car insurance in Fort Lauderdale? At American US Insurance, we help drivers across Broward County get the protection they need—without overpaying.

Whether you’re renewing a policy or starting fresh, our licensed Florida agents take time to review every detail. We check for new discounts, apply all available savings, and help you build an affordable policy that still delivers solid coverage.

How Much Can You Save?

With the right strategy, many drivers save up to 45% on their car insurance premiums. We evaluate key savings options like:

  • Good driver discounts

  • Multi-car savings

  • Paid-in-full and auto-pay

  • Student and homeowner discounts

  • Prior insurance and agency switch offers

Our goal? Offer the lowest possible rate without sacrificing essential protection.

Understanding Your Fort Lauderdale Auto Insurance Coverage

Collision & Comprehensive Insurance

If you lease or finance your vehicle, lenders often require both:

  • Collision coverage pays for damage from accidents involving other cars or objects.

  • Comprehensive (other than collision) covers events like theft, fire, flood, vandalism, or storm damage.

Each includes a deductible, which affects your monthly premium and out-of-pocket cost if you file a claim.

Liability Insurance Coverage

Liability covers damages or injuries you cause to others. In Florida, bodily injury liability isn’t required by law—but we always recommend carrying at least:

  • $10,000 per person / $20,000 per accident

Higher limits offer stronger protection and help safeguard your personal assets.

Medical Payments (MedPay) Coverage

This optional coverage pays for medical expenses for you and your passengers, regardless of who’s at fault. If you already have health insurance, this may be optional—but it adds peace of mind and convenience.

Personal Injury Protection (PIP)

Required in Florida, PIP covers your own medical costs, lost wages, and related expenses—regardless of fault. It’s also known as no-fault insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Unfortunately, not everyone on the road carries enough insurance. UM/UIM steps in if you're hit by a driver with no coverage—or not enough of it. It also protects against hit-and-run incidents.

Optional Coverages Worth Considering

We also offer extras that come in handy during accidents or emergencies:

  • Roadside assistance

  • Towing and labor

  • Rental reimbursement

  • Gap coverage for financed vehicles

Our team will walk you through what’s necessary—and what’s optional—based on your driving habits and vehicle type.

Ready to Get a Quote?

We make it fast and easy to get Fort Lauderdale auto insurance that fits your budget. One call gets it started.

Call (800) 868-9170 to speak with a local agent
Fill out our insurance calculator forms for a free quote

No pressure, no gimmicks—just expert help from a Florida-based team that puts your needs first.

Frequently Asked Questions – Fort Lauderdale Auto Insurance

1. What is the cheapest car insurance in Fort Lauderdale, Florida?

Cheap car insurance in Fort Lauderdale depends on your driving record, vehicle type, coverage limits, and discount eligibility. At American US Insurance, we help drivers find the most affordable options by comparing multiple carriers and applying discounts like safe driver, multi-policy, and paid-in-full.

2. Is auto insurance more expensive in Fort Lauderdale?

Yes, Fort Lauderdale auto insurance rates are generally higher than the state average due to factors like population density, accident frequency, and weather risks. However, working with a local agency like American US Insurance helps you find the most competitive rates through customized coverage.

3. What are the minimum car insurance requirements in Fort Lauderdale?

Florida law requires all drivers—including those in Fort Lauderdale—to carry at least:

  • $10,000 in Personal Injury Protection (PIP)

  • $10,000 in Property Damage Liability (PDL)
    While Bodily Injury Liability isn't mandatory, it's strongly recommended to protect your assets in the event of a lawsuit.

4. How do I get full coverage auto insurance in Fort Lauderdale?

Full coverage typically includes liability, comprehensive, and collision insurance. At American US Insurance, we help Fort Lauderdale drivers build full coverage policies tailored to their budget and driving needs—especially useful for newer or financed vehicles.

Serving Fort Lauderdale and Beyond

From Miami Beach to Naples, Miami to Orlando, we help drivers across Florida get the cheap auto insurance coverage they need to drive with confidence.

Get in touch today and let American US Insurance help you save.