Auto Insurance in Fort Lauderdale: More Than Just State Minimums

Florida is a no-fault state, which means your own Personal Injury Protection (PIP) coverage pays for your injuries regardless of who caused the accident. The state requires only $10,000 in PIP and $10,000 in Property Damage Liability, but that's dangerously low for anyone driving in South Florida.

A single fender-bender in Fort Lauderdale can easily exceed those limits, leaving you personally liable for the difference. Medical bills, vehicle repair costs, and legal fees add up fast. That's why the families we work with typically carry significantly higher limits, and many add an umbrella policy on top.

At Sentinel Insurance, we don't just sell you a policy. We review your full picture: your vehicles, your household, your assets. Then we recommend coverage that actually protects you. Then we shop multiple carriers to make sure you're not overpaying for it.

Coverage Options We Offer

Bodily Injury Liability

Pays for others' medical bills when you're at fault. Highly recommended beyond state minimums.

Collision Coverage

Covers damage to your vehicle in an accident, regardless of fault. Essential for newer cars.

Comprehensive Coverage

Covers theft, vandalism, hurricanes, flooding, and falling objects. Important in South Florida.

Uninsured/Underinsured Motorist

Protects you when the other driver has no insurance or not enough. Florida has one of the highest uninsured driver rates.

Personal Injury Protection (PIP)

Required in Florida. Covers your medical expenses and lost wages up to your policy limit, regardless of fault.

Transportation Expense

Covers rental car costs while your vehicle is being repaired after a covered claim.

Replacement Coverage

If your vehicle is 7 years old or newer and totaled in a covered accident, we'll replace it with a newer, lower mileage vehicle of the same make and model and cover any gaps in your lease or loan.

Accident Forgiveness

Helps keep your rates from going up just because of an accident - even if it's your fault. We'll waive one at-fault accident every 3 years.

Bundle Home & Auto for Maximum Savings

Families who bundle auto with homeowners insurance through Sentinel typically see significant multi-policy discounts. Add umbrella coverage and the savings stack even further. We'll show you exactly how much you can save.

Get a Bundle Quote →

Why Fort Lauderdale Families Choose Sentinel for Auto Insurance

Multi-Vehicle Specialists

Most of our clients have 2, 3, or even 4+ vehicles on a single policy. Whether it's the family SUV, a sports car, your teenager's first car, or a golf cart, we build a policy that covers them all and maximizes your multi-vehicle discount.

South Florida Driving Expertise

Between I-95 traffic, tourist drivers, hurricane season, and one of the nation's highest uninsured motorist rates, South Florida presents unique risks. We know which coverages matter most here and which ones you can adjust to save without exposing yourself.

Same-Day Quotes, Real Answers

You won't get an automated chatbot or a call center. You get Alec, a licensed Florida agent who answers the phone, explains your options clearly, and gets you a quote fast. Most clients have a quote within hours of reaching out.

Auto Insurance FAQ

How much does auto insurance cost in Fort Lauderdale?
Auto insurance costs in Fort Lauderdale typically range from $1,200 to $4,000+ per year depending on your vehicles, driving history, coverage levels, and credit. Multi-vehicle and multi-policy discounts can significantly reduce your premium. Contact us for a personalized quote.
What auto insurance coverage is required in Florida?
Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). However, these state minimums leave significant gaps. Most financial advisors recommend much higher limits plus Bodily Injury Liability, Uninsured Motorist, and Comprehensive/Collision coverage.
Do I get a discount for insuring multiple cars?
Yes. Multi-vehicle discounts typically save 10–25% on your total premium. The more vehicles you insure on one policy, the greater the savings. Families with 2–4 vehicles see the biggest benefit. Bundling auto with home or umbrella insurance can add even more savings.
How fast can I get an auto insurance quote?
We provide same-day quotes. Submit your information online or call us, and we'll have a personalized quote ready within hours, often within the same phone call.
Can I bundle auto insurance with other policies?
Absolutely. Bundling auto with homeowners, condo, umbrella, or flood insurance is one of the best ways to save. We specialize in helping South Florida families bundle multiple policies for maximum protection and minimum cost.