Car Insurance in Pembroke Pines

Travelers provides the lowest rates for most driver types in Pembroke Pines. Young drivers pay $1,934 annually with Travelers, while adult drivers with clean records pay only $882 per year.

Senior drivers get their best rate from GEICO at $1,020 per year. Drivers with a speeding ticket pay $1,086 annually with State Farm, and those with an at-fault accident see rates of $1,174 per year.

Located in Broward County, Pembroke Pines faces Florida's challenging insurance environment with frequent severe weather, high uninsured motorist rates and elevated litigation costs. The city's position near I-75 and the Sawgrass Expressway means residents deal with both local traffic and regional commuter congestion.

Travelers crushes the competition in Pembroke Pines, charging $882 yearly for minimum coverage versus the city's $1,476 average—a 43% discount. Full coverage through Travelers runs $1,933 annually, far below the city's steep $3,463 average.

State Farm ranks second with full coverage at $2,123 per year. GEICO also provides competitive pricing for Pembroke Pines residents seeking affordable coverage.

Florida's no-fault insurance system requires personal injury protection, which drives up minimum coverage costs across the state. Pembroke Pines drivers benefit from shopping among insurers like Travelers who price competitively despite these mandatory coverage requirements.

Young drivers under 25 face the highest insurance costs in Pembroke Pines, while adults get the best deals. Travelers offers young drivers coverage for $1,934 per year.

Adult drivers pay $882 annually with Travelers, saving over $1,000 compared to young drivers. Senior drivers find their lowest rate with GEICO at $1,020 per year, about 16% more than adult premiums.

Pembroke Pines' large retirement community means many senior drivers navigate familiar routes to shopping centers like Pembroke Lakes Mall. Young drivers often commute to Miami or Fort Lauderdale for work, adding highway miles that increase their risk profiles and insurance costs.

Travelers rewards clean drivers with Pembroke Pines' best rate of $882 per year. A speeding ticket increases your premium to $1,086 annually with State Farm, a 23% jump.

An at-fault accident pushes costs to $1,174 per year with State Farm. A DUI raises premiums to $1,086 annually with State Farm, which in this case matches the speeding ticket rate.

Pembroke Pines Police Department actively enforces traffic laws on Pines Boulevard and University Drive, where speeding violations are common. Florida's strict DUI laws combined with Broward County's zero-tolerance approach mean impaired driving convictions create long-lasting insurance consequences.

Travelers earned the top ranking in Pembroke Pines with a score of 97.86 out of 100. The company delivers outstanding performance across pricing, customer service and claims processing.

State Farm takes second place with a score of 91.46, offering reliable service and competitive rates. Both insurers maintain strong financial ratings and excellent customer satisfaction scores.

Car insurance in Pembroke Pines averages $123 per month for minimum coverage and $289 per month for full coverage. These rates rank among Florida's highest, reflecting elevated accident risk and weather-related claims.

Travelers' minimum coverage rate of $73 monthly demonstrates the substantial savings possible through comparison shopping. Your actual premium varies based on your driving record, age and coverage selections.

In Pembroke Pines, car insurance rates by ZIP code range from $104 to $360 per month. ZIP code 33028 is the most expensive, while 33332 is the cheapest. Check the average rates for your ZIP code on the table below.

With car insurance rates in Pembroke Pines running higher than the Florida average, finding affordable coverage can feel overwhelming. This step-by-step guide shows you how to compare options and secure the best rates for your situation.

Car insurance rates in Pembroke Pines depend on your driving record, vehicle and other personal factors. Travelers and State Farm offer the lowest average premiums in the city, but compare quotes from multiple insurers to find your best rate.

Our research team answers your questions about finding affordable car insurance in Pembroke Pines. We break down coverage options and costs to help you secure the right protection for your budget.

To help Pembroke Pines drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Florida Office of Insurance Regulation and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Florida to tailor options as closely as possible to you.

Pembroke Pines Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.

Coverage Levels in Pembroke Pines

MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.

The minimum coverage requirements in Florida are:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

For a full coverage policy, we used the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
• Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
• Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.