Car insurance in Broward County, reviewed by a personal agent.

Broward drivers are on the road between two big counties

Broward had about 1.94 million residents at the 2020 Census, the second-largest county in Florida, and it sits between Miami-Dade and Palm Beach. Many residents commute across one of those county lines every day. The average one-way commute is about 29 minutes, a little shorter than in Miami-Dade, but the main corridors are some of the busiest in the state.

I-95 runs the length of the county near the coast, with tolled 95 Express lanes whose prices rise and fall with traffic. I-595 crosses east to west from the Port Everglades and airport area toward the western suburbs and has its own reversible express lanes. Florida’s Turnpike runs north–south through the middle of the county, and the tolled Sawgrass Expressway (SR 869) curves along the western edge past Sunrise, Coral Springs and the Deerfield area. To the west, I-75 heads toward Weston and Alligator Alley. On the surface streets, US-1 (Federal Highway) and US-441/SR 7 carry heavy local traffic, and A1A runs along the beaches.

Broward also has busy rail corridors. Brightline intercity trains and freight trains use the coastal tracks through downtown Fort Lauderdale, Hollywood and other cities, with many street-level crossings, and Tri-Rail runs along the I-95 corridor. Never stop on the tracks or go around lowered gates.

Florida law applies county by county the same way

Every registered car in Florida must carry $10,000 of Personal Injury Protection and $10,000 of Property Damage Liability continuously. PIP pays 80% of reasonable medical expenses and 60% of lost income for you and your household regardless of fault, provided you get initial treatment within 14 days, with a $2,500 limit unless a doctor finds an emergency medical condition. Bills to repeal PIP died in committee in the 2026 session.

What the law does not require of most drivers is bodily injury liability. The Insurance Research Council estimated that about 20.6% of Florida drivers were uninsured in 2023, the seventh-highest rate in the country. Uninsured motorist coverage protects you and your passengers when the other driver has no insurance or too little. Florida insurers must offer it at your BI limits and can only remove or lower it with your written rejection. With two or more cars, stacking lets the limits combine for an injured family member, and non-stacked UM must cost at least 20% less, a sign of how much protection it gives up.

Florida’s 2023 tort reform also changed the math after a crash. If you are found more than 50% at fault for your own injuries, you generally recover nothing from the other driver, and most negligence lawsuits must now be filed within two years. Your own policy often ends up paying.

After a crash in Broward

• Call 911 if anyone is hurt. Florida requires drivers to report crashes with injuries, deaths or apparent damage of at least $2,000 to the local police, the sheriff or the Florida Highway Patrol.
• Photograph the vehicles, the scene and the other driver’s license, registration and insurance card.
• See a doctor within 14 days so you keep your PIP benefits.
• Report the claim to your insurer and send us the claim number. We will help you follow it.

Storms and high-rise garages

Hurricane Wilma in 2005 brought Category 2 conditions to parts of Broward, with gusts near 100 knots and extensive damage to roofs and windows. Cars parked in low garages near the Intracoastal or on open lots are exposed to wind debris and flooding. Only comprehensive coverage pays for that damage, and it must be in place before a storm approaches.

M&K Agency is family-owned, with a team of 12 and more than 5,000 clients across Florida. Send us your policy and we’ll check your coverage. We will explain it in plain language, in English, Spanish or Russian, and you will have a personal agent when you need to file a claim.

More for this area

• Home and condo insurance in Broward County

Ready for a second opinion on your coverage?

Leave your number and a licensed agent will call you back, within an hour during business hours.