In Pembroke Pines, Florida, GEICO provides the cheapest minimum coverage, while Travelers is the most affordable option for full coverage. For families with teens, Nationwide offers the lowest rates. Mercury is the best overall for price and service, ranking the highest in customer satisfaction. The right insurer matches your coverage needs and service expectations.
Cheapest and Best Car Insurance in Pembroke Pines, FL (July 2024)
GEICO offers Pembroke Pines' cheapest minimum coverage at $802 annually. Mercury is also the top insurer, with a MoneyGeek score of 85 out of 100.
Mark Fitzpatrick
Head of Insurance, MoneyGeek
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
Mark Friedlander
Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Venus Zoleta
Senior Content Editor
Venus Zoleta is a Senior Content Editor at MoneyGeek, with over six years of experience covering personal finance topics. She has written in-depth articles on credit cards, loans, insurance and fintech for a leading financial platform in the Philippines. She also brings 20 years of experience in journalism, corporate communications and digital marketing. Zoleta holds a Bachelor of Arts degree in journalism from the University of the Philippines Diliman.
Mark Fitzpatrick
Head of Insurance, MoneyGeek
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
Mark Friedlander
Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Venus Zoleta
Senior Content Editor
Venus Zoleta is a Senior Content Editor at MoneyGeek, with over six years of experience covering personal finance topics. She has written in-depth articles on credit cards, loans, insurance and fintech for a leading financial platform in the Philippines. She also brings 20 years of experience in journalism, corporate communications and digital marketing. Zoleta holds a Bachelor of Arts degree in journalism from the University of the Philippines Diliman.
Updated: October 3, 2024
Advertising & Editorial Disclosure
Cheapest and Best Car Insurance in Pembroke Pines
Why Trust MoneyGeek? We analyzed 127,836 quotes from nine insurers in Florida, used six sources and original research to rate the cheapest companies and developed a scoring system for Pembroke Pines insurance companies based on ZIP codes in the city only. We scored them based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Pembroke Pines, FL, as of July 2024.
Cheapest Minimum Coverage Car Insurance in Pembroke Pines
GEICO is the cheapest car insurance option in Pembroke Pines.
- GEICO: $802 per year
- Mercury: $827 per year
Direct General Insurance has the most expensive minimum coverage policy at $1,954 per year, with a $1,152 difference from GEICO. Compare rates to find the best deal and save on car insurance.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
GEICO | Annual Premium$802 | Monthly Premium$67 |
Mercury | Annual Premium$827 | Monthly Premium$69 |
Travelers | Annual Premium$857 | Monthly Premium$71 |
State Farm | Annual Premium$960 | Monthly Premium$80 |
Allstate | Annual Premium$1,168 | Monthly Premium$97 |
Progressive | Annual Premium$1,259 | Monthly Premium$105 |
Nationwide | Annual Premium$1,302 | Monthly Premium$109 |
Farmers | Annual Premium$1,557 | Monthly Premium$130 |
Direct General Insurance | Annual Premium$1,954 | Monthly Premium$163 |
Florida's Minimum Liability Requirements
The state law mandates the following limits on minimum coverage in Pembroke Pines:
- $10,000 property damage liability per accident
- $10,000 personal injury protection per person
If a policyholder with minimum coverage is at fault in an accident causing bodily injury, their policy won't cover these expenses since Florida's required minimums exclude bodily injury liability. If the damage totals $25,000 per person, the policyholder must pay the difference out-of-pocket. This example highlights the financial risks of minimum coverage.
Cheapest Full Coverage Car Insurance in Pembroke Pines
Travelers offers the cheapest full coverage car insurance in Pembroke Pines.
- Travelers: $1,819 per year
- State Farm: $1,856 per year
Direct General Insurance has the most expensive full coverage policy in Pembroke Pines at $3,999 annually, $2,180 more than Travelers. This price gap highlights why comparing rates for full coverage policies is crucial, as they cost more due to their comprehensive protection.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Travelers | Annual Premium$1,819 | Monthly Premium$152 |
State Farm | Annual Premium$1,856 | Monthly Premium$155 |
GEICO | Annual Premium$2,069 | Monthly Premium$172 |
Progressive | Annual Premium$2,226 | Monthly Premium$186 |
Mercury | Annual Premium$2,322 | Monthly Premium$194 |
Allstate | Annual Premium$2,546 | Monthly Premium$212 |
Nationwide | Annual Premium$2,552 | Monthly Premium$213 |
Farmers | Annual Premium$3,135 | Monthly Premium$261 |
Direct General Insurance | Annual Premium$3,999 | Monthly Premium$333 |
Why You Must Get Full Coverage in Florida
A full coverage policy in Pembroke Pines significantly enhances liability limits with a 100/300/100 plan — $100,000 for bodily injury per person, $300,000 per accident and $100,000 for property damage.
Full coverage includes:
- Collision insurance covers damage to your car from collisions with other vehicles or objects, such as trees or light poles, as well as rollover accidents and pothole damage.
- Comprehensive insurance protects against non-collision events like theft, weather damage, vandalism, fires, natural disasters, and hitting animals like deer.
Full coverage insurance is usually mandatory if you're leasing or financing a car. It's essential as financial protection for new cars but may need to be more cost effective for older vehicles. To find the right balance of coverage that meets your needs without excessive costs, assess how much car insurance you need.
Cheapest Car Insurance in Pembroke Pines After a Driving Offense
State Farm offers the cheapest policies across driving offenses:
- Speeding ticket: $2,102 per year
- At-fault accident: $2,288 per year
- DUI: $2,102 per year
Comparing the least expensive options reveals that after a DUI, the cheapest rate matches that after a speeding ticket in Pembroke Pines.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
- Accident
- DUI
- Speeding
State Farm | Annual Premium$2,102 | Monthly Premium$175 |
Travelers | Annual Premium$2,572 | Monthly Premium$214 |
Allstate | Annual Premium$2,689 | Monthly Premium$224 |
Nationwide | Annual Premium$3,052 | Monthly Premium$254 |
Progressive | Annual Premium$3,090 | Monthly Premium$258 |
Mercury | Annual Premium$3,434 | Monthly Premium$286 |
Farmers | Annual Premium$3,987 | Monthly Premium$332 |
Direct General Insurance | Annual Premium$3,999 | Monthly Premium$333 |
GEICO | Annual Premium$4,143 | Monthly Premium$345 |
Insurance premiums in Pembroke Pines generally increase based on the severity of the driving offense. For example, while a speeding ticket averages around $4,165 annually, prices rise to nearly $4,790 for those with a DUI. The $625 difference underscores the importance of drivers with violations comparing rates to maximize savings.
Cheapest Car Insurance in Pembroke Pines for Teens and Their Families
Nationwide offers the most affordable full coverage car insurance for female and male teens in Pembroke Pines.
- Nationwide: $4,513 per year for female teens and $5,083 per year for male teens
- State Farm: $4,662 per year for female teens
- GEICO: $5,548 per year for male teens
These rates apply to a policy covering two parents and a teen driver. Farmers charges the highest annual premium of $6,847 for female teens, which is $2,334 more than Nationwide. The hefty price gap emphasizes the need to compare rates when adding high-risk teen drivers to family policies, potentially leading to significant savings.
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24
- 25
- Female
- Male
Nationwide | Family Plan Annual Premium$4,513 | Individual Plan Monthly Premium$7,830 |
State Farm | Family Plan Annual Premium$4,662 | Individual Plan Monthly Premium$4,524 |
GEICO | Family Plan Annual Premium$5,481 | Individual Plan Monthly Premium$5,871 |
Allstate | Family Plan Annual Premium$5,483 | Individual Plan Monthly Premium$19,874 |
Travelers | Family Plan Annual Premium$6,006 | Individual Plan Monthly Premium$10,208 |
Farmers | Family Plan Annual Premium$6,847 | Individual Plan Monthly Premium$15,324 |
Progressive | Family Plan Annual Premium$7,006 | Individual Plan Monthly Premium$9,575 |
In Pembroke Pines, teenage drivers face high car insurance premiums. An individual teen policy averages about $11,550 annually, while adding a teen to a family plan averages $6,197 yearly. Insurers consider teens high risk due to their limited driving experience, higher likelihood of accidents and riskier behaviors. Teens find it challenging to get an individual policy because rates are high, and insurers prefer family plans that minimize risks.
Cheapest Car Insurance in Pembroke Pines for Military Drivers
Travelers provides the cheapest car insurance for military backgrounds in Pembroke Pines.
- Travelers: $1,819 per year
- State Farm: $1,856 per year
USAA may not be among the cheapest options. Still, it serves the unique needs of active-duty military members, ranks competitively nationwide and remains a strong choice for military families.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Travelers | Annual Premium$1,819 | Monthly Premium$152 |
State Farm | Annual Premium$1,856 | Monthly Premium$155 |
GEICO | Annual Premium$2,069 | Monthly Premium$172 |
Progressive | Annual Premium$2,226 | Monthly Premium$186 |
Mercury | Annual Premium$2,322 | Monthly Premium$194 |
Allstate | Annual Premium$2,546 | Monthly Premium$212 |
Nationwide | Annual Premium$2,552 | Monthly Premium$213 |
Farmers | Annual Premium$3,135 | Monthly Premium$261 |
Direct General Insurance | Annual Premium$3,999 | Monthly Premium$333 |
How to Compare Cheap Pembroke Pines Car Insurance Quotes Online
Securing the best car insurance rates saves you money. However, researching companies can be time-consuming, as each comparison takes over 15 minutes, totaling over an hour for reviewing at least three companies. Speed up this process with MoneyGeek's car insurance calculator. Input your age, driving history, credit score and coverage preferences to receive instant, tailored rate estimates.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Oct 14, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance in Pembroke Pines: Summary
Choosing the right auto insurance depends on what matters most to you — cost, service quality, coverage or other factors. MoneyGeek's scoring helps you find Pembroke Pines' top insurers:
- Best overall: Mercury (Score: 85 out of 100)
- Best for service: Mercury (Score: 83 out of 100)
- Best cheap: Mercury (Score: 89 out of 100)
Mercury is the top choice in the city, offering excellent overall value, industry-leading service, competitive pricing and well-rounded coverage. Each category was independently rated to find a provider that provides cost-effective options and exceptional customer care while maintaining high service standards.
Best Overall Car Insurance in Pembroke Pines
Mercury offers the best car insurance in Pembroke Pines. Providers with the highest MoneyGeek scores are:
- Mercury: 85 out of 100 ($2,322 per year)
- State Farm: 84 out of 100 ($1,856 per year)
Mercury excels in customer satisfaction and claims handling, making it the city's top choice for full coverage policies.
Mercury Insurance leads with perfect satisfaction (35/35) and claims (20/20) ratings, boosting its overall MoneyGeek score. While offering common coverages like roadside assistance and rental car and/or travel reimbursement, Mercury's low coverage score (3/10) suggests a potential for improvement. While it doesn't provide every type of coverage, one standout is its mechanical breakdown insurance, which covers unexpected repair costs and is ideal for drivers concerned about post-warranty expenses.
Ranks first in the city for claims satisfaction
Ranks second in the city for key coverages, offering both rare and common ones
Ranks fifth in the city for affordability, with a $2,322.04 average annual premium
Does not offer gap insurance
MoneyGeek ranks Pembroke Pines car insurers in client satisfaction, cost, claims, coverage and company stability.
Best Car Insurance in Pembroke Pines for Customer Service
Mercury has the best customer service for car insurance in Pembroke Pines based on general satisfaction, claims processing efficiency and coverage selections.
- Mercury: MoneyGeek score of 83 out of 100 ($2,322 per year)
- State Farm: MoneyGeek score of 75 out of 100 ($1,856 per year)
Mercury achieves the highest MoneyGeek score because of its top satisfaction and claims performance, reflecting its effective and efficient customer service.
Mercury's excellent satisfaction (45/45 score) and claims (30/30 score) drive its high MoneyGeek Score. Despite a 6.6 coverage score, the company's comprehensive offerings, outstanding customer satisfaction and claims service make it a top insurance provider.
While Mercury may lack some common coverages, it offers roadside assistance and rental car/travel reimbursement. It also has unique benefits, like mechanical breakdown insurance that covers unexpected repair costs.
Ranks well in the city for general customer satisfaction
Ranks well in the city for claims satisfaction
Offers mechanical breakdown insurance and roadside assistance
Does not offer gap insurance
MoneyGeek ranks Pembroke Pines' top insurers, prioritizing customer satisfaction and efficient claims processing while considering coverage options and financial health.
Best Cheap Car Insurance Companies in Pembroke Pines
Mercury offers the best cheap car insurance in Pembroke Pines, balancing cost and quality service.
- Mercury: MoneyGeek score of 89 out of 100 ($827 per year)
- State Farm: MoneyGeek score of 83 out of 100 ($960 per year)
Mercury has the highest MoneyGeek score because of its low premiums and excellent customer service, especially for minimum coverage policies.
Mercury leads in both cost-effective and service-oriented insurance with its top marks in satisfaction (25/25) and claims (20/20) scores, as well as an almost perfect affordability score (39/40).
On average, Mercury charges an affordable annual premium of just $827 for minimum coverage. It also offers many discounts, including anti-theft systems, automatic payments, bundling, multiple cars and safe driving. Additional benefits like the paperless discount promote environmental awareness while saving money, and the pay in full discount rewards upfront premium payment.
Offers discounts on bundling, multiple car, safe driving and more
Ranks first in the city for claims satisfaction
Ranks first in the city for general customer satisfaction
Ranks second in the city for cost, with a $827 average annual premium for minimum coverage
MoneyGeek evaluates Pembroke Pines car insurers according to affordability, customer satisfaction, claims, coverage options and financial health.
Average Cost of Car Insurance in Pembroke Pines
In Pembroke Pines, the average car insurance cost is $2,508 per year. Compared to Florida's average of $2,392, Pembroke Pines residents pay $116 more annually. The state average exceeds the $1,781 national average by $611.
Premiums vary due to several factors, especially location. Insurers consider factors like accident frequency, auto theft and vandalism rates, which differ across locations and impact costs based on varying risk levels. For instance, Hialeah has the highest premium at $3,233, while Gainesville has the lowest at $1,699, with a substantial $1,534 difference. Generally, less populated areas outside of cities have lower insurance rates due to reduced incident risks.
Brandon | Annual Premium$2,650 |
Cape Coral | Annual Premium$1,868 |
Clearwater | Annual Premium$2,273 |
Coral Springs | Annual Premium$2,635 |
Davie | Annual Premium$2,567 |
Fort Lauderdale | Annual Premium$2,605 |
Gainesville | Annual Premium$1,699 |
Hialeah | Annual Premium$3,233 |
Hollywood | Annual Premium$2,724 |
Jacksonville | Annual Premium$2,113 |
Lakeland | Annual Premium$2,015 |
Lehigh Acres | Annual Premium$1,980 |
Miami | Annual Premium$3,041 |
Miami Gardens | Annual Premium$2,961 |
Miramar | Annual Premium$2,556 |
Orlando | Annual Premium$2,146 |
Palm Bay | Annual Premium$1,899 |
Pembroke Pines | Annual Premium$2,508 |
Pompano Beach | Annual Premium$2,696 |
Port St. Lucie | Annual Premium$2,009 |
Spring Hill | Annual Premium$2,152 |
St. Petersburg | Annual Premium$2,382 |
Tallahassee | Annual Premium$1,782 |
Tampa | Annual Premium$2,855 |
West Palm Beach | Annual Premium$2,826 |
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.