The best insurer for you may vary depending on your coverage needs and budget. GEICO offers the cheapest and best minimum coverage car insurance, while Nationwide is the most affordable option for teen drivers. State Farm has the cheapest rates for full coverage policies as well as for drivers with traffic violations like speeding tickets, at-fault accidents and DUI offenses. It is also the best overall insurer. Travelers is our top pick for customer service.
Cheapest and Best Car Insurance in Pembroke Pines, FL
Cheapest Minimum Liability Car Insurance in Pembroke Pines
In Pembroke Pines, the cheapest minimum coverage car insurance policies are provided by these companies:
- GEICO: $609 per year
- State Farm: $693 per year
Direct General Insurance offers the most expensive minimum coverage rate at an average of $1,653 per year. Although State Farm has the second-cheapest rate in the city, it offers the most affordable minimum coverage in Florida at an average of $507 per year as of October 2022.
In Florida, property damage liability and personal injury protection are required. At a minimum, drivers are required to have the following:
- $10,000 property damage liability per accident
- $10,000 personal injury protection
Liability insurance covers damages to the other party if you’re found at fault in an accident. With the minimum coverage included above, an insurer would cover up to $10,000 in damages to the affected driver’s property or vehicle. Any damages to your vehicle won’t be covered. The insurer would also cover up to $10,000 in medical expenses that you or your passenger incur as a result of an accident.
Cheapest Full Coverage Car Insurance in Pembroke Pines
In Pembroke Pines, the most budget-friendly insurers for full coverage auto insurance policies are:
- State Farm: $1,402 per year
- GEICO: $1,580 per year
Direct General Insurance has the most expensive full coverage car insurance in Pembroke Pines at $3,108 per year. State Farm also offers the cheapest full coverage car insurance in Florida, at $1,058 per year, $344 more than its rate in Pembroke Pines as of October 2022.
A full coverage policy includes comprehensive and collision insurance.
- Collision Insurance: Covers damage to your vehicle caused by colliding with another object, such as another car or tree.
- Comprehensive Insurance: Covers non-collision damages to your car from natural disasters, theft or vandalism.
Although a full coverage policy benefits new car owners, it may not be worth it for older vehicles, as you will be paying hundreds of dollars more per year.
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Cheapest Car Insurance in Pembroke Pines After a Driving Offense
In Pembroke Pines, State Farm offers the cheapest rates for drivers with these traffic violations:
- Speeding ticket: State Farm ($1,586 per year)
- At-fault accident: State Farm ($1,726 per year)
- DUI: State Farm ($1,586 per year)
GEICO has the most expensive rates for drivers with speeding tickets at $3,134 per year, while Direct General Insurance is the most expensive provider for those with at-fault accidents at $4,295 per year. Nationwide charges drivers with DUI offenses the most at $4,319 per year. A driving offense will increase your insurance rate; even relatively cheap rates for drivers with offenses will still be more expensive than average-priced rates for drivers with a clean record.
Typically, the cost of your car insurance increases in proportion to the severity of your driving offense. Drivers in Pembroke Pines with speeding tickets pay an average of $373 more per year than those with DUI offenses. Although rates for drivers with offenses are typically higher, it’s still possible to find cheap insurance with a bad driving record.
Cheapest Car Insurance in Pembroke Pines for Teens and Their Families
In Pembroke Pines, 16-year-old teens on a family policy will get the cheapest full coverage policies from these insurers:
- Nationwide: $5,083 per year for male teens; $4,513 per year for female teens
- GEICO: $5,548 per year for male teens; State Farm: $4,662 per year for female teens
Male teens on a family policy will get the most expensive rates from Travelers at $7,544 per year, while Progressive has the highest rates for female teens at $7,006 per year. Typically, insurers charge male teens more than female teens for car insurance, as they consider them riskier to insure. This cost discrepancy levels out in early adulthood.
To save money, teenagers should consider joining a family policy instead of purchasing an individual policy. To illustrate, a 16-year-old male teen in Pembroke Pines could save up to $4,940 per year by joining a family policy instead of purchasing an individual one. Families can get affordable auto insurance for teens by shopping around and comparing quotes.
Cheapest Car Insurance in Pembroke Pines for Military Drivers
The following insurers offer the cheapest full coverage policies to military drivers in Pembroke Pines:
- State farm: $1,402 per year
- GEICO: $1,580 per year
The cheapest minimum coverage policies are available with GEICO for $609 per year and State Farm for $693 per year. Although USAA is not on our list of top providers, it is another great option for military personnel and their families.
How to Compare Cheap Pembroke Pines Car Insurance Quotes Online
It can take up to 15 minutes to input the personal information required for a single auto insurance quote. When comparing rates from multiple providers, this time can add up. Fortunately, MoneyGeek’s car insurance calculator makes estimating your car insurance rate easy. Simply enter your age, vehicle type, driving history and desired coverage level to receive your quote.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Pembroke Pines: Summary
The best car insurer for you will vary depending on how much you value factors like cost, affordability and coverage options. There are our top picks for key categories:
- Best overall: State Farm (MoneyGeek score of 76 out of 100)
- Best for service: Travelers (MoneyGeek score of 60 out of 100)
- Best cheap: GEICO (MoneyGeek score of 78 out of 100)
An insurer’s total MoneyGeek score may vary based on the factors weighted in that category. State Farm also offers the best car insurance in Florida. Furthermore, USAA is a great option for military personnel searching for auto insurance in Pembroke Pines.
Best Overall Car Insurance in Pembroke Pines
The following insurers offer the best car insurance in Pembroke Pines based on affordability and customer service:
- State Farm: MoneyGeek score of 76 out of 100 ($1,402 per year)
- GEICO: MoneyGeek score of 72 out of 100 ($1,508 per year)
Of the insurers in our study, State Farm has the second-cheapest rates and a relatively high customer satisfaction score. This means you won’t have to compromise on quality for cost. For members of the military, USAA is a highly recommended auto insurance provider.
How was this MoneyGeek score calculated?
Has the cheapest rates of the insurers in our comparison group
Has a relatively high rating for customer satisfaction
Has a relatively low rating for claims handling
In Pembroke Pines, State Farm is an ideal choice for auto insurance. Its budget-friendly rates, outstanding customer service and discount opportunities make it an all-round excellent option for car insurance.
The insurer’s optional add-on coverage, roadside assistance, can help if your car breaks down on the road. This service covers the cost of towing, mechanical labor, delivery of items (battery, fuel, tire and oil) and locksmith labor for up to one hour. State Farm also offers several discounts, including its multi-car discount for insuring multiple cars, an anti-theft system discount for installing a safety device in your car and a safe driving discount for State Farm policyholders that have gone at least three years without a traffic violation.
Best Car Insurance in Pembroke Pines for Customer Service
Without taking cost into account, the top companies for customer service in Pembroke Pines are:
- Travelers: MoneyGeek score of 60 out of 100 ($1,871 per year)
- State Farm: MoneyGeek score of 58 out of 100 ($1,402 per year)
Of the insurers in our comparison group, Travelers has the highest claims management and customer satisfaction rating. Though its rates may be slightly higher than some of its competitors, Travelers still provides a level of service that surpasses the other insurers in our study.
How was this MoneyGeek score calculated?
Has the highest claims management and customer satisfaction ratings of the insurers in our study
Offers new car replacement coverage
Offers fewer coverage options than its competitors
Travelers is our top insurer for customer service in Pembroke Pines due to its high ratings for customer satisfaction and claims management. Quality customer service can be especially helpful during stressful situations like after an accident or vehicle breakdown.
In addition to quality customer service, the insurer offers Travelers-specific coverage options, such as the Responsible Driver Plan, which includes both accident forgiveness and minor violation forgiveness. With accident forgiveness, your premium won’t increase after your first at-fault accident. Likewise, your rate won’t increase after your first minor violation.
Additionally, Travelers’ Premier New Car Replacement® coverage is ideal for drivers with new cars that want to safeguard their investment. This coverage will pay to replace your totaled car if it’s less than five years old. Furthermore, the insurer offers gap insurance, also known as loan or lease insurance. This covers the difference between the actual cash value of a totaled vehicle and the unpaid balance on your loan or lease.
Best Cheap Car Insurance in Pembroke Pines
Based on affordability and service quality, the best cheap auto insurance provider in Pembroke Pines that meet Florida’s minimum coverage requirements are:
- GEICO: MoneyGeek score of 78 out of 100 ($609 per year)
- State Farm: MoneyGeek score of 75 out of 100 ($693 per year)
Although minimum liability coverage is very affordable, it offers the least amount of protection and does not cover any damages to your vehicle after an accident.
How was this MoneyGeek score calculated?
An affordable minimum coverage policy costs $609 per year
Offers discounts for bundling insurance policies, insuring multiple cars and installing daytime running lights
Has a relatively high customer satisfaction rating
Has a relatively low claims management rating
GEICO stands out from its competitors by offering highly competitive premiums and various discounts to help customers save money on auto insurance.
Its discount opportunities are seemingly endless. Prospective policyholders can save on their premium depending on their profession or vehicle features. Teachers, military drivers and federal employees are eligible for a discounted rate. Furthermore, those with daytime running lights, anti-lock brakes and anti-theft systems can also save money. Common discount opportunities include savings for bundling insurance policies (home, renters, life, etc.) and insuring multiple cars.
In addition to its discounts, the insurer also offers key coverages that most drivers can benefit from, including mechanical breakdown insurance (MBI) and roadside assistance. MBI coverage offers superior coverage at a cheaper rate than most dealer-extended warranties, covering all parts and systems on a vehicle. Meanwhile, roadside assistance coverage helps pay for the cost of towing, fuel delivery or lockout services if your car breaks down.
Average Cost of Car Insurance in Pembroke Pines
As of October 2022, the average cost of car insurance in Pembroke Pines is $2,035 per year, $100 less than the average cost of car insurance in Florida, $1,935 per year, and $770 more than the national average of $1,265 per year. This shows how location can impact the cost of your insurance.
These rates are for a full coverage car insurance policy with a bodily injury liability of $100,000 per person, $300,000 per accident and a property damage liability of $100,000 per accident.
About Mark Fitzpatrick