Compare the Cheapest Car Insurance Quotes in Pembroke Pines, FL

In Pembroke Pines, drivers pay an average of $2,203 for car insurance per year, less than the state average. GEICO is the cheapest, widely-available insurer in the area based on coverage amount and driving history, averaging $1,522 per year. For drivers who value quality and cost, MoneyGeek also examined the best insurers in Pembroke Pines.

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Last Updated: 5/16/2022
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The cheapest widely available car insurance company in Pembroke Pines is GEICO, with average premiums for full coverage of $1,522 per year and an average yearly premium for state minimum liability of $697. State Farm is the best insurer for drivers who have speeding tickets for about $1,768. The cheapest coverage in most instances is from USAA, but the company only insures military members and their families. MoneyGeek chose Esurance as the best car insurance company overall in Pembroke Pines for its balance of affordability and excellent customer support.

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The Cheapest and Best Car Insurance in Pembroke Pines

The Cheapest Car Insurance Companies in Pembroke Pines

In Pembroke Pines, the most affordable auto insurance providers for full coverage policies are:

  • GEICO: $1,522 per year
  • State Farm: $1,634 per year

Former and current military personnel and their families in Pembroke Pines will find USAA car insurance a much cheaper option with an average annual premium of $957.

With an average annual premium of $1,522, GEICO is the cheapest among the insurance companies in Pembroke Pines for most drivers. Compared to Mercury, the most expensive car insurance company in the city with an average annual premium of $2,955 for full coverage, GEICO is 94% (or about $1,433) less expensive.

The rates for both insurers are for full coverage car insurance, which includes comprehensive and collision coverage. It’s important to remember that the quote you’re given for a full coverage policy can vary depending on the liability limits you select.

Cheapest Car Insurance in Pembroke Pines
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $957
  • 2.
    GEICO
    $1,522
  • 3.
    State Farm
    $1,634
  • 4.
    Travelers
    $2,047
  • 5.
    MetLife
    $2,143
  • 6.
    Allstate
    $2,173
  • 7.
    Allied
    $2,556
  • 8.
    Progressive
    $2,592
  • 9.
    Mercury
    $2,955

MoneyGeek’s analysis used average quotes for our sample driver, a 40-year-old male looking for a full coverage policy, as defined in our methodology.

Insurance that includes comprehensive and collision coverage will cost more than a liability-only policy. However, full coverage car insurance does give you the security of knowing that you won’t have to pay to repair damages to your car in the event of an accident.

  • Collision Insurance: This pays for repairs to your car caused by a collision.
  • Comprehensive Insurance: This pays for repairs to your car caused by a non-collision event, such as hail, fire or theft.

The premiums for full coverage car insurance may add up to more than the replacement value of your car if it’s several years old. If you own an older vehicle, you may wish to choose liability-only or state minimum insurance.

Compare Car Insurance Rates in Pembroke Pines

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Pembroke Pines for Minimum Coverage

Policies with minimum coverage will always be your cheapest insurance option. The cheapest car insurance in Pembroke Pines for state minimum coverage is offered by:

  • GEICO: $697 per year
  • State Farm: $903 per year

While USAA has the best price for state minimum liability only auto insurance in Pembroke Pines at $422 per year on average, it’s only available to former and current members of the military and their families.

GEICO's coverage is $633 less expensive than Mercury's average annual premium of $1,330. Minimum coverage plans may be the cheapest available, but they also lack comprehensive and collision coverage and have significantly lower liability limits. This could put you at risk of having insufficient coverage in case of an accident.

The table below illustrates how rates change when you increase liability limitations.

Cheapest Minimum Liability Car Insurance in Pembroke Pines
State Minimum

By law, Florida drivers are required to have state minimum liability-only auto insurance with $10,000 in personal injury protection and $10,000 in property damage liability coverage. This is the cheapest auto insurance option in Pembroke Pines. The risk you take for such low premiums, however, is that after an accident, you may be responsible to pay for expenses the insurer doesn’t cover.

For instance, if you're in an accident and the other driver’s car sustains $15,000 in damage, you would only be covered for $10,000 under state minimum insurance. That means you would have to pay the remaining $5,000 yourself.

Florida Minimum Liability Requirements

  • Item
    Description
  • Property Damage
    $10,000 for property damage. A more protective level is 100/300/100.
  • Personal Injury Protection
    $10,000 per person.

Cheapest Car Insurance in Pembroke Pines if You Have Driving Violations

Your car insurance premium is affected by your driving record. Having violations such as speeding tickets, at-fault accidents and DUIs results in higher coverage costs, and sometimes these increases can be quite high. The best insurers in Pembroke Pines if you have driving violations are:

  • Cheapest after a ticket: State Farm, $1,768 per year
  • Cheapest after an at-fault accident: State Farm, $1,902 per year
  • Cheapest after a DUI: State Farm, $1,768 per year

It’ll take time to reduce your premiums by establishing a good driving history, so after you get a ticket or a car accident, shop around for quotes. That way, you can find the best cheap car insurance for drivers with bad records in Pembroke Pines.

Cheapest Car Insurance in Pembroke Pines With a Violation
Speeding Ticket

Average Cost of Car Insurance in Pembroke Pines

Pembroke Pines$2,203
Florida$2,208
U.S.$1,424

The average car insurance rate in Pembroke Pines is $2,203 per year. This is 0.2% less than Florida's annual rate of $2,208. However, it is 54.7% higher than the national average annual premium.

Personalized Quotes to Get You the Cheapest Car Insurance in Pembroke Pines

Car insurance companies in Pembroke Pines calculate annual premiums by evaluating several factors. These can include the car model, coverage level, age and gender of each driver.

For example, the average annual premium rate for a 40-year-old male with no violations is $957 at USAA and $1,522 at GEICO. These rates may change as the driver ages.

It’s important to compare auto insurance rates from different companies regularly. This can help you make sure you have the best policy for your needs at the most affordable price.

Compare Car Insurance Rates in Pembroke Pines

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Pembroke Pines

Every driver wants a car insurance company that offers both affordability and good customer service, which is why we ranked insurers on that basis. Based on MoneyGeek’s study, the best carriers in Pembroke Pines for most drivers are:

  • Esurance: MoneyGeek score of 95 out of 100
  • GEICO: MoneyGeek score of 85 out of 100

USAA received 100 out of 100, the highest score on our rating system. However, because the insurer is exclusive to veterans, current military members and their families, it is not listed as best overall.

MoneyGeek ranked these car insurance companies using several factors, such as insurer financial stability, affordability and customer satisfaction. We used a number of resources in our analysis, including findings by J. D. Power, a data analytics and consumer intelligence firm.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Esurance
Score:95

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Travelers
Score:85

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

5
MetLife
Score:82.5

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

6
Hartford
Score:82.5

2/5

Affordability

5/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Liberty Mutual
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Auto-Owners Insurance Co
Score:80

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

9
State Farm
Score:77.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A-

Financial Stability

10
Nationwide
Score:77.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Progressive
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Safeco
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

Car insurance companies might factor your ZIP code into your rate. This is because different communities may have varying statistics on car thefts, uninsured motorists and accidents. If you live in a neighborhood where these statistics are higher, you could pay more for car insurance.

Fortunately, this consideration doesn’t impact drivers in Pembroke Pines, Florida. The average annual car insurance premium is $2,203 regardless of the ZIP code.

  • Zip Code
    State Minimumper year
  • 33028
    $2,203

Factors That Impact Insurance Costs in Pembroke Pines

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Pembroke Pines. How Pembroke Pines ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities176th/300
handcuffs2 icon
Most Car Thefts166th/300
uninsured icon
Most Uninsured Motorists by State1st/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall3rd/300
umbrella icon
Most Rainy Days30th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Pembroke Pines are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.