Auto insurance in Fort Lauderdale costs $1,748 a year, which is 59% pricier than the average city in Florida. You can shave off half of those costs, however, if you go with Florida Farm Bureau, GEICO, and Travelers, the three cheapest auto insurers in Fort Lauderdale (mean annual premium $868).heap Car Insurance in Florida: by City. Location is one of the most important factors in the cost of insurance. Prices can differ drastically from city to city. For example, the average cost to insure a car in Liberty County, are $836 a year, which is 38% of the cost in Miami-Dade County.