Cheapest Car Insurance Quotes In Hallandale Beach, FL For 2024
GEICO is noted as the most affordable choice in Hallandale Beach, offering an average monthly rate of $36.
When searching for the most budget-friendly car insurance in Hallandale Beach, Florida, the choices can differ significantly, but one company stands out for its competitive prices: GEICO. On average, locals can obtain car insurance for approximately $36 per month, which is notably lower than the state’s average of $227.
For individuals in need of the most economical liability-only coverage, GEICO emerges as the top choice. Meanwhile, those desiring more comprehensive protection discover that State Farm provides the most favorable rates for full coverage policies, priced at $160 a month. Additionally, Travelers offers the most affordable rates for young drivers, coming in at $128 per month.
Cheapest Car Insurance Companies In Hallandale Beach, FL
Our Methodology
Based on a thorough examination encompassing aspects like customer service ratings, product choices, pricing, and an extensive review of multiple online platforms and user feedback, I've developed a comprehensive understanding of the car insurance providers' landscape in Hallandale Beach, FL. This perspective is informed by over 15 years of direct involvement in the industry as a licensed insurance agent. It's been shaped by numerous interactions with representatives from different companies and insights acquired through firsthand experiences.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
How Much Is Car Insurance In Hallandale Beach, FL?
GEICO provides the most economical car insurance in Hallandale Beach, FL, with coverage available for $310 per month.
As illustrated in the table below, its rates surpass the average rate in both the State of Florida and the United States overall:
| Area | Average Monthly Rate |
| National | $152 |
| Florida | $227 |
| Hallandale Beach, FL | $310 |
Keep in mind that the average national cost incorporates both high-cost states (like New York, New Jersey, and California) and low-cost states (like Mississippi, Kentucky, and Wyoming). Rates differ by location due to various factors, including vehicle type, coverage amount, zip code, driving history, and more.
Cheapest Car Insurance Rates In Hallandale Beach For Minimum Coverage
GEICO offers the most affordable car insurance for minimum coverage in Hallandale Beach, with an average monthly cost of $36.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $36 | $439 |
| Travelers | $42 | $500 |
| Progressive | $125 | $1,498 |
| State Farm | $48 | $574 |
| Allstate | $182 | $2,182 |
A minimum car insurance policy should typically include the following components:
- $10,000 for bodily injury per person
- $10,000 for bodily injury per accident
- $10,000 for property damage per accident
Maintaining minimum car insurance offers a degree of protection while driving, covering liabilities like bodily injury and property damage to others. However, it lacks collision or comprehensive insurance, leaving your vehicle uninsured in case of accidents, theft, or natural disasters.
In Florida, driving without insurance is against the law. Failing to provide proof of insurance during a traffic stop can lead to penalties, including fines, license suspension, or more severe consequences.
Cheapest Car Insurance Rates In Hallandale Beach For Teenagers
Teenage drivers in Hallandale Beach can secure the most affordable quotes from State Farm, offering average monthly premiums of $228.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $228 | $2,734 |
| 21st Century | $278 | $3,334 |
| Direct General | $351 | $4,210 |
| Direct Auto | $240 | $2,878 |
| Allstate | $380 | $4,591 |
Teenage drivers typically encounter the highest car insurance premiums, mainly because of their lack of experience on the road. Insurance companies view these young drivers as high-risk because statistics show they are more likely to be involved in accidents and commit traffic violations.
Cheapest Car Insurance Rates In Hallandale Beach For Seniors
Nationwide quotes average around $87 a month, offering the most affordable car insurance rates for seniors in Hallandale Beach.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $87 | $1,040 |
| State Farm | $92 | $1,095 |
| Safeco | $93 | $1,107 |
| Mercury | $101 | $1,213 |
| 21st Century | $104 | $1,249 |
In Florida, numerous seniors may discover favorable car insurance rates influenced by various beneficial factors. While age often plays a role in determining insurance rates, with older age sometimes linked to diminished driving ability, this stereotype doesn’t apply universally.
Cheapest Car Insurance Rates In Hallandale Beach For Full Coverage
State Farm offers the most budget-friendly car insurance rates for full coverage, with their quotes averaging $160 a month in Hallandale Beach.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $292 | $3,502 |
| GEICO | $165 | $1,978 |
| Travelers | $193 | $2,314 |
| Allstate | $425 | $5,098 |
| State Farm | $160 | $1,918 |
Full coverage car insurance offers comprehensive protection that extends beyond the basic coverage required by law. It typically combines comprehensive and collision coverages.
Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters, while collision coverage provides financial security for vehicle damages resulting from accidents, regardless of fault.
Cheapest Car Insurance Rates In Hallandale Beach For Young Adults
Travelers provides the most affordable quotes for young adults in Hallandale Beach, with rates averaging around $128 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $133 | $1,594 |
| GEICO | $187 | $2,242 |
| Mercury | $257 | $3,082 |
| Allstate | $180 | $2,158 |
| Travelers | $128 | $1,534 |
In Florida, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of driving habits and a decrease in risk-taking behaviors as drivers mature.
Statistically, young adults are less likely to file insurance claims, indicating a reduced involvement in accidents. As a result, insurers lower premiums, acknowledging the improved safety records and decreased likelihood of claims from these more experienced drivers.
Cheapest Car Insurance Rates In Hallandale Beach For Good Drivers
Good drivers in Hallandale Beach can obtain the most affordable car insurance quotes from GEICO, with rates averaging around $36 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $36 | $439 |
| Travelers | $42 | $500 |
| Progressive | $125 | $1,498 |
| State Farm | $48 | $574 |
| Allstate | $182 | $2,182 |
Drivers with clean driving records in Hallandale Beach typically enjoy lower car insurance rates because they are seen as lower risk. Insurance companies assess driving records to gauge how safely a person drives. Fewer incidents, such as accidents or traffic violations, indicate that the driver is cautious and less likely to file a claim.
Insurers determine their rates based on the likelihood of a driver making a claim. A spotless driving record can result in substantial savings on premiums. It all boils down to risk assessment – the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.
Cheapest Car Insurance Rates In Hallandale Beach For Drivers With Prior Incidents
In Hallandale Beach, drivers with records of traffic violations, such as accidents, speeding tickets, or DUIs, often encounter challenges in securing affordable car insurance. These driving infractions prompt insurance companies to classify them as high-risk, implying a higher likelihood of filing future insurance claims.
As a result, insurance providers increase their rates for these individuals to offset the risk of potential higher claim payouts.
Cheapest Car Insurance Rates In Hallandale Beach For Drivers With A Speeding Ticket
State Farm offers notably affordable rates compared to other companies, with average monthly premiums of $74.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $74 | $884 |
| Travelers | $153 | $1,834 |
| Geico | $148 | $1,774 |
| Allstate | $152 | $1,822 |
| Progressive | $158 | $1,894 |
Cheapest Car Insurance Rates In Hallandale Beach For Drivers With An At-Fault Accident
State Farm provides the most economical car insurance quotes for drivers with an at-fault incident, with an average rate of $80 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $80 | $958 |
| Travelers | $160 | $1,918 |
| Geico | $118 | $1,414 |
| Progressive | $180 | $2,158 |
| Allstate | $270 | $3,238 |
Cheapest Car Insurance Rates In Hallandale Beach For Drivers After A DUI
State Farm offers the lowest rates for drivers after a DUI incident, providing Hallandale Beach drivers with average monthly premiums of $80.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $80 | $958 |
| Travelers | $180 | $2,158 |
| Progressive | $137 | $1,642 |
| Geico | $148 | $1,774 |
| Allstate | $194 | $2,324 |
Best Car Insurance Companies In Hallandale Beach
For drivers in Hallandale Beach, selecting the appropriate car insurance company involves balancing affordable rates with reliable protection on the road. Below are the top 10 car insurance companies in Hallandale Beach, FL, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| GAINSCO | $140 |
| Direct Auto | $175 |
| Mercury | $193 |
| Liberty Mutual | $185 |
| Mercury Insurance | $158 |
| 21st Century | $173 |
| Allstate | $194 |
| State Farm | $109 |
| Safeco | $155 |
| Nationwide | $95 |
Average Car Insurance Rates By Age In Hallandale Beach
| Age | Average Yearly Rate |
| Teenagers | $7,599 |
| 20s | $3,031 |
| 30s | $1,989 |
| 40s | $1,927 |
| 50s | $1,838 |
| 60s | $1,830 |
| 70s | $2,126 |
Age plays a crucial role in determining car insurance rates. Typically, younger drivers, particularly teenagers and young adults, encounter higher insurance premiums due to their lack of experience and statistically higher probability of accidents and traffic violations. As drivers reach 25 years old, their rates usually begin to decline, assuming they maintain a clean driving record.
The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk, thereby adjusting premium costs accordingly.
Average Car Insurance Rates By Vehicle Type In Hallandale Beach
| Vehicle | Average Monthly Rate |
| Hyundai Sonata | $698 |
| Hyundai Elantra | $320 |
| Toyota Corolla | $362 |
| BMW X4 | $182 |
| Toyota Camry | $784 |
The type of vehicle you drive significantly affects your car insurance costs. Insurance companies consider factors like the make, model, year, and body type of the car. Generally, newer vehicles, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
Conversely, older cars or those that are less expensive to repair or replace may result in lower premiums. Insurers take these factors into account because they directly impact the potential cost of claims – for example, repairs for a high-end car are typically more expensive than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.
How Much Is Car Insurance For Other Cities In Florida?
| City | Average Monthly Rate |
| Sunrise | $347 |
| Lake City | $200 |
| Plantation | $360 |
| Daytona Beach | $181 |
| Apopka | $215 |
| Gainesville | $176 |
| Pinellas Park | $223 |
| Fort Myers | $194 |
| Kissimmee | $220 |
| West Palm Beach | $280 |
The city where you reside has a significant impact on your car insurance rates. Insurance companies assess various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism rates, which are typically higher in urban areas. This increased risk often leads to higher premiums.
FAQs
Who has the lowest car insurance rates in Hallandale Beach?
In Hallandale Beach, the lowest car insurance rates are provided by GEICO for the minimum coverage required by the State of Florida, while State Farm offers the most competitive rates for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Hallandale Beach?
The average cost of car insurance in Hallandale Beach is approximately $310 per month. However, rates can vary based on factors such as your zip code, the year and model of your car, your driving record, and other relevant variables.
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