Cheapest Car Insurance in Pembroke Pines, FL (2026)

Pembroke Pines drivers pay an average of $1,476 per year for minimum coverage and $3,468 per year for full coverage. This city has moderate rates compared to other South Florida cities, though costs remain elevated due to population density and traffic volume, which increase accident risks.

• Cheapest minimum liability coverage: Travelers has Pembroke Pines' cheapest minimum coverage at $882 per year ($74 monthly). That's 40% lower than the city average of $1,476, saving you $594 annually. GEICO ranks second for minimum coverage at $934 per year ($78 monthly), a 37% savings compared to the city average.
• Cheapest full coverage: Travelers offers the lowest full coverage at $1,933 annually ($161 monthly), 44% below the city average of $3,468. That's $1,535 in annual savings. State Farm's full coverage costs $2,123 per year ($177 monthly), which is still 39% below the city average but $190 more than Travelers' annual cost.

Car insurance costs vary dramatically by age in Pembroke Pines, with younger drivers facing the steepest rates. Here's what the most affordable providers charge by age group:

• Adults: Travelers at $73 and GEICO at $78 monthly
• Seniors: GEICO at $85 and Travelers at $99 monthly
• Young drivers: GEICO at $150 and Travelers at $161 monthly

Young drivers can cut costs with GEICO's Good Student discount, saving up to 15% for maintaining a B average. Seniors benefit from Travelers' Intellidrive Program, which tracks driving habits and can reduce rates by up to 20%.

Car insurance is more expensive if you have driving violations. Here are your cheapest car insurance options in Pembroke Pines by violation type:

• Accident: State Farm at $97 and Travelers at $99 monthly
• Ticket: State Farm at $90 and Travelers at $93 monthly
• DUI: State Farm at $90 and Travelers at $110 monthly

In Florida, minor violations remain on your record for three to five years, and rates typically decrease afterward.

Insurance costs fluctuate across Pembroke Pines neighborhoods based on your ZIP code. Residents in 33028 pay the highest rates at $360 monthly for full coverage, while those in 33332 enjoy the most affordable premiums at $244 monthly. Check the table below to find exact insurance costs for your specific ZIP code.

Travelers earned 97 out of 100 on MoneyGeek's rating scale, making it the top car insurance provider in Pembroke Pines. State Farm is the second-best option with a score of 91 out of 100.

Travelers claims the top spot for customer experience and affordability, based on our evaluation of agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews.

State Farm has competitive affordability with reasonable premium rates. Both insurers maintain excellent financial stability ratings.

See below for why each insurer excels and which matches your specific needs.

Pembroke Pines drivers have steep car insurance costs among Florida's highest rates. Shop around, reduce your premiums and select appropriate coverage for your needs:

Our insurance experts answer common questions about finding affordable coverage in Pembroke Pines:

Pembroke Pines drivers pay some of Florida's highest car insurance rates. We built this analysis to help you find reliable coverage without overpaying for your specific situation.

We analyzed hundreds of thousands of quotes from major insurers using data from the Florida Office of Insurance Regulation and Quadrant Information Services. Our research covered all Pembroke Pines ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. 

This approach reveals which insurers offer competitive rates for drivers like you, not just average citywide prices. 

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Florida's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hurricane damage claims or handling hit-and-run accidents.

Coverage options (10%): More choices mean better odds of matching coverage to Pembroke Pines risks like flood damage, uninsured motorists and severe weather-related claims.