Your car might handle the morning school run, your commute and an evening grocery trip all in the same day. Personal car insurance from Kemper Auto offers options for different driving needs and budgets.
- Coverage for personal vehicles: Choose coverage based on your vehicle and driving needs.
- Flexible payment options: Find payment options that fit your budget.
- Spanish-bilingual assistance: Available in most areas.
- Options for non-standard drivers: Kemper Auto accepts certain non-standard IDs and offers SR-22 and FR-44 filings for qualifying drivers. Eligibility varies.
Ready to explore your options? Start an online quote or contact a local Kemper Auto agent.
- Bodily injury liability: Helps cover another person’s medical expenses or injuries if you are responsible for a covered accident.
- Uninsured/Underinsured motorist coverage: Helps pay covered expenses if you are involved in an accident with an at-fault driver who has no insurance or not enough coverage. The Insurance Research Council estimated that 20.6% of Florida motorists were uninsured in 2023, according to the Insurance Information Institute.
- Collision coverage: Helps pay for damage to your vehicle after a covered collision, subject to your policy terms and deductible.
- Comprehensive coverage: Helps pay for certain non-collision losses, including theft and damage related to hurricanes or flooding, which can be important considerations in coastal South Florida.
- Medical Payments (MedPay) coverage: Helps pay for eligible medical expenses for you or your passengers after a covered accident and is separate from Florida’s required PIP coverage.
- Roadside assistance: Helps to pay for covered roadside situations such as towing, a dead battery or a flat tire.
Kemper Auto also works with non-standard drivers, accepting certain IDs such as a matrícula consular and foreign or international driver’s licenses. Qualifying drivers who need an SR-22 or FR-44 can also get filing assistance.
Who needs personal car insurance in Fort Lauderdale?
Personal car insurance is designed for individuals and their families who own or lease vehicles for everyday personal driving, which can include:
- Daily commuters
- Families with multiple vehicles
- Students attending Nova Southeastern University, Broward College or Florida Atlantic University
- New drivers
- Retirees
- Hospitality, port and airport employees who work varying shifts
Getting around Broward County can mean driving I-95, Florida’s Turnpike, the Sawgrass Expressway or U.S. 1 alongside seasonal visitors and cruise-port traffic. Kemper Auto serves drivers throughout the area, including Hollywood, Pompano Beach, Pembroke Pines, Plantation and Coral Springs.
Get car insurance quotes in Fort Lauderdale
Getting car insurance quotes in Fort Lauderdale starts with a few basic details. Have the following information nearby to make the process easier:
- Your driver’s license and basic driver information
- Your vehicle year, make, model and other details
- Your driving history
- Information about your current coverage, if applicable
Ready to see your options? Get a quote online using your ZIP code or find an agent through an independent insurance agency or broker. An agent can discuss your driving needs, available coverage and budget with you.
FLHSMV states that failing to maintain required coverage may result in:
- Driver’s license and vehicle registration suspension for up to three years
- Reinstatement fees that can reach $500 after repeated suspensions
- Additional financial responsibility requirements, depending on the circumstances
Florida does not provide a hardship license for a suspension resulting from failure to maintain required insurance.
Kemper Auto offers SR-22 insurance and FR-44 insurance filing services for qualifying Broward County drivers. Kemper Auto can electronically file the required certificate with the state after an eligible policy is active.
Learn more about SR-22 filing services and Florida FR-44 requirements on our Florida car insurance page.
Contact an agent near you to get started or call 877-352-0068.
Kemper Auto serves personal auto insurance customers throughout Broward County, including:
- Hollywood
- Pompano Beach
- Pembroke Pines
- Plantation
- Davie
- Coral Springs
- Sunrise
- Deerfield Beach
- Weston
- Miramar
Car insurance rates in Fort Lauderdale depend on several different factors such as driving records, vehicle year, make and model. InsuranceQuotes.com reports that full coverage averaged about $386 per month, or $4,627 annually, for its benchmark Fort Lauderdale driver, based on filed rates in effect as of August 31, 2026. Its comparable Florida average was $331 per month, putting the Fort Lauderdale figure at about 16% higher.
The state and city average may not reflect your quote. Your ZIP code, vehicle, driving record, coverage choices and other rating factors can affect what you pay. Starting an online quote or talking with a local agent can give you pricing based on your individual situation.
Eligible drivers may also have opportunities to save with Kemper Auto discounts, including:
- Advance quote discount: Getting your quote and moving forward before its effective date may qualify you for a discount.
- Proof of prior insurance discount: Previous auto insurance coverage may help you qualify.
- Paid-in-full discount: Paying your premium in full may qualify you for savings.
- Multi-car discount: Insuring more than one eligible vehicle on the same policy may help lower costs.
- Defensive driving course discount: Completing a qualifying course may make you eligible.
- Good student discount: Eligible full-time students with qualifying grades may receive a discount.
Discount availability and eligibility may vary. Explore car insurance discounts or ask an independent Kemper Auto agent about available ways to save.
