Travelers offers the cheapest car insurance in Pembroke Pines, with average rates of $882 for minimum coverage and $1,933 for full coverage per year. State Farm, Mercury and GEICO also provide affordable coverage options in the city.
Car Insurance in Pembroke Pines
Updated: August 11, 2025
Advertising & Editorial Disclosure
Key Takeaways
The cheapest car insurance companies in Pembroke Pines are Travelers, State Farm and GEICO, with rates up to 43% lower than the city average.
In Pembroke Pines, monthly car insurance costs average $289 for full coverage and $123 for minimum coverage.
You'll find the best cheap auto insurance in Pembroke Pines by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Pembroke Pines?
| Travelers | $73 | $161 | -43% |
| State Farm | $84 | $177 | -37% |
| GEICO | $78 | $247 | -21% |
| Mercury | $98 | $237 | -19% |
| Nationwide | $114 | $242 | -14% |
Cheapest Pembroke Pines Car Insurance by Category
State Farm offers the cheapest rates in five driver categories in Pembroke Pines. Travelers leads for young and adult drivers, while GEICO provides the most affordable coverage for drivers with bad credit.
| Young Drivers | Travelers | $161 |
| Adult Drivers | Travelers | $73 |
| Senior Drivers | State Farm | $103 |
| Drivers With an Accident | State Farm | $98 |
| Drivers With a DUI | State Farm | $90 |
| Drivers With a Speeding Ticket | State Farm | $90 |
| Drivers With Bad Credit | GEICO | $107 |
| Drivers With Newer Cars | Travelers | $51 |
| Drivers With Old Cars | State Farm | $56 |
Compare the Cheapest Pembroke Pines Car Insurance for You
Your driving record and personal details shape what you pay for car insurance, with rates varying by thousands of dollars between driver profiles. Check the table below to find insurers offering the best rates for your specific situation.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:State Minimum Liability Only
Select
Credit:Good
Select
Driving Record:Clean
| Travelers | $73 | $882 | -40% |
| Geico | $78 | $934 | -36% |
| State Farm | $84 | $1,005 | -31% |
| Mercury Insurance | $98 | $1,176 | -20% |
| Metropolitan Group | $103 | $1,238 | -15% |
Best Car Insurance Companies in Pembroke Pines
In Pembroke Pines, the leading car insurance companies are Travelers, State Farm, Mercury and GEICO. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Travelers | 98 | 1 | 1 | 4 |
| State Farm | 91 | 2 | 3 | 7 |
| Mercury | 87 | 4 | 4 | 5 |
| GEICO | 86 | 3 | 5 | 7 |
| Nationwide | 86 | 5 | 6 | 4 |
Travelers: Best Overall Value
pros
Excellent customer service ratings
Top-rated for most driver categories
Multiple coverage customization options
cons
Limited coverage add-on options
Higher rates for older vehicles
COMPANY HIGHLIGHTS
Travelers stands out as Pembroke Pines' top-rated car insurance provider, earning the highest customer satisfaction ratings in our analysis. The company offers rates well below the city average while maintaining strong coverage options. Travelers performs exceptionally well for young drivers, those with newer vehicles, and adult drivers seeking standard coverage. Their high customer satisfaction scores translate to smoother claims processes and better overall service experience.
State Farm: Best for High-Risk Drivers
pros
Strong customer service reputation
Competitive rates for most drivers
Extensive agent network
cons
Limited coverage options
Higher rates for luxury vehicles
COMPANY HIGHLIGHTS
State Farm ranks second in Pembroke Pines with particularly strong performance for high-risk drivers. Their rates stay consistently below the city average while maintaining high customer satisfaction scores. The company excels in serving drivers with accidents, DUIs, and seniors looking for reliable coverage. State Farm's extensive local agent network provides personalized service, though their coverage options aren't as comprehensive as some competitors.
How Much Is Car Insurance in Pembroke Pines?
In Pembroke Pines, minimum coverage costs about $123 per month or $1,476 per year, ranking 589th out of all Florida cities for affordability. Full coverage averages $289 monthly or $3,463 annually, ranking 601st among Florida cities.
| Full Coverage | $289 | $3,463 |
| Minimum Coverage | $123 | $1,476 |
Pembroke Pines Car Insurance Cost by Category
Coverage rates in Pembroke Pines range from $91 to $675 per month based on driver categories. Below, you can review average rates in your category.
| Young Drivers | $276 | $675 |
| Adult Drivers | $123 | $289 |
| Senior Drivers | $157 | $375 |
| Drivers With an Accident | $174 | $412 |
| Drivers With a DUI | $172 | $390 |
| Drivers With a Speeding Ticket | $146 | $352 |
| Drivers With Bad Credit | $164 | $335 |
| Drivers With Newer Cars | $99 | $230 |
| Drivers With Old Cars | $91 | $208 |
Pembroke Pines Car Insurance Costs by ZIP Code
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.
Data filtered by:Results filtered by:
Select
ZIP Code:33028
| 33028 | $154 | $360 |
Compare Personalized Pembroke Pines Car Insurance Costs
Find your closest rate match by filtering average Pembroke Pines car insurance costs based on your age, driving record and other personal details.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:State Minimum Liability Only
Select
Credit:Good
Select
Driving Record:Clean
| $105 | $1,259 | 34% |
How to Get the Best Cheap Pembroke Pines Car Insurance
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.
- 1
Know your coverage requirements
Start by understanding exactly how much coverage you need for your situation. Use our car insurance coverage needs calculator to determine appropriate coverage levels based on your vehicle's value and personal assets. Consider factors like your commute distance and parking location in Pembroke Pines.
- 2
Explore different coverage types
Look into various types of car insurance that might better suit your needs. If you drive infrequently, pay-per-mile coverage could save you money. Don't own a car? Consider non-owner insurance for occasional driving.
- 3
Check local insurance costs
Research average vehicle insurance costs in Pembroke Pines to set realistic expectations. Understanding typical rates for your area and driver profile helps you recognize when you've found a genuinely good deal.
- 4
Stack up available discounts
Maximize savings through available car insurance discount options. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles. Many insurers offer additional savings for safe driving records or installing security devices.
- 5
Research insurance company ratings
Check each insurer's financial strength and customer service ratings. Look for companies with strong records of fair claims handling and good customer support in Florida. Read recent customer reviews.
- 6
Get quotes from multiple providers
Contact at least three different insurance providers for quotes. Use a mix of national carriers and local Florida insurers. Compare identical coverage levels across all quotes to get accurate comparisons.
- 7
Review your policy annually
Mark your calendar to review your policy each year before renewal. Life changes like moving within Pembroke Pines, buying a new car, or improving your credit score can qualify you for better rates.
Cheapest Car Insurance in Pembroke Pines: Bottom Line
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.
Cheap Pembroke Pines Car Insurance: FAQ
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.
What is the cheapest car insurance company in Pembroke Pines, Florida?
Travelers offers the lowest rates in Pembroke Pines, with average annual premiums of $882 for minimum coverage and $1,933 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Pembroke Pines?
Travelers leads Pembroke Pines insurance providers with a MoneyGeek score of 98 out of 100, scoring 6 points higher than State Farm. Travelers excels in both affordable rates and quality service.
What is the average cost of car insurance in Pembroke Pines?
In Pembroke Pines, full coverage car insurance costs $3,463 annually, while minimum coverage averages $1,476. Your actual rates will vary based on individual factors.
Is car insurance in Pembroke Pines expensive?
Car insurance in Pembroke Pines costs more than average, ranking 589th for minimum coverage affordability and 601st for full coverage compared to other Florida cities.
How We Chose the Best and Cheapest Car Insurance in Pembroke Pines, FL
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.