Pembroke Pines, FL Car Insurance

In Pembroke Pines, the average full coverage car insurance costs $229 per month. Rates can be as low as $225 or as high as $704, depending on factors like policy details and driver profile. To help drivers better understand what to expect, the table below includes average car insurance costs for various driver profiles.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

In Pembroke Pines, the average cost for full coverage car insurance is $2,597 per year, while minimum coverage is $1,216 annually. These rates are higher than Florida's averages, where full coverage costs $2,425 and state minimum coverage is $1,168 per year.

Even though premiums are climbing in Florida, you can still find affordable car insurance in Pembroke Pines. Travelers offers the cheapest minimum coverage at just $73 per month. For full coverage, Travelers remains the best choice with a rate of $150 monthly.

Travelers often provides the cheapest state minimum coverage, but rates can vary for each driver. To find the most affordable car insurance, compare quotes from different companies. Below is a table showing the cheapest car insurance rates for a variety of driver profiles.

To snag the cheapest car insurance in Pembroke Pines, you must compare rates from different companies. Below, we detail the most affordable minimum coverage and full coverage plans for your wheels.

Travelers offers the cheapest minimum coverage auto insurance at $73 per month. GEICO follows closely with a rate of $73 monthly. See the breakdown of the cheapest options in the table below.

Travelers offers the cheapest full coverage car insurance in Pembroke Pines at $150 per month. Below is a list of other providers and their rates.

To find affordable car insurance, compare quotes from several providers in your area. Travelers offers the cheapest option with an annual premium of $1,336, while Mercury is the best-rated provider with a MoneyGeek score of 86. See the table below for more options to consider.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $2,597 per year for 40-year-olds and $2,552 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

Nationwide offers the cheapest overall car insurance for teens in Pembroke Pines for full coverage, with a monthly rate of $386, saving $70 compared to the state average. The table below highlights other affordable providers for teens in the area.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

Travelers offers the cheapest minimum coverage for young drivers in Pembroke Pines at $80 per month. For full coverage, Travelers also provides the most affordable rate at $172 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.

Travelers offers the most affordable auto insurance for young drivers at $126 per month. Other companies with competitive rates are listed in the table below.

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

GEICO and State Farm offer the cheapest car insurance in the area, but your rate can change based on personal factors. Below is a table showing the cheapest providers for different driver profiles and coverage needs that might suit you better.

Travelers offers the cheapest monthly premium for seniors at $107 when considering both minimum and full coverage. State Farm follows closely with a $108 monthly rate. The table below shows top car insurance options for seniors in Pembroke Pines.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

When comparing high-risk driver profiles in Pembroke Pines, minimum coverage is cheaper than the state average at $1,742, while full coverage is slightly higher at $4,024. Drivers with bad credit and DUIs face the highest insurance costs. Accidents and speeding tickets impact rates less significantly.

State Farm offers the cheapest minimum coverage for drivers with a DUI at $1,095 per year. For full coverage, State Farm also leads with an annual rate of $2,102. Check out the table below for more low-cost coverage options.

*Rates are for a 40-year-old driver with good credit and a DUI.

State Farm, Travelers, and GEICO offer the cheapest car insurance for those with an at-fault accident record in Pembroke Pines. Check out the cheapest auto insurance after an at-fault accident to explore more options. Below is a table showing different providers offering affordable coverage for drivers with an at-fault accident violation.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

State Farm is the cheapest car insurance provider for drivers with a speeding ticket in Pembroke Pines, offering minimum coverage at $91 and full coverage at $175. Check the table below to see how other providers charge drivers with a speeding ticket.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

Mercury offers the most affordable rates for drivers with bad credit in Pembroke Pines, with minimum coverage at $128 per month. Nationwide provides the cheapest full coverage at $299 monthly. See the table below to find other affordable options.

*Rates are for a 40-year-old driver with bad credit and no driving violations.

In the Sunshine State, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:

• N/A for bodily injury liability per person.
• N/A for bodily injury liability per accident.
• $10,000 for property damage liability per accident.
• N/A uninsured motorist bodily injury per person.
• N/A uninsured motorist bodily injury per accident.
• N/A uninsured/Underinsured property damage coverage.
• $10,000 personal injury protection (PIP) per person.
• N/A personal injury protection (PIP) per accident.
• N/A medical payments coverage.
• N/A death liability per person.
• N/A death liability per accident.

For example, if you accidentally bump into a fence, your minimum coverage will help pay up to $10,000 for the repairs. This ensures you meet the legal requirements and avoid out-of-pocket expenses.

GEICO and Travelers tie as the cheapest for minimum coverage auto insurance in Pembroke Pines, at just $73 monthly. No matter your age or credit, you'll find competitive car insurance rates to suit your wallet. Always check your policy for Florida's required coverages, including personal injury protection and property damage liability. Compare quotes to secure affordable rates that comply with Florida's insurance laws.

This FAQ section gives quick answers to common questions about finding the cheapest and best car insurance in Pembroke Pines. Discover affordable options and understand the essentials of minimum coverage to make informed decisions easily.

MoneyGeek conducted an analysis of Pembroke Pines auto insurance prices using data from the Florida Department of Financial Servicesand Quadrant Information Services.

Pembroke Pines Driver Profile

To assess the best and most affordable auto insurance options for Pembroke Pines residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Pembroke Pines

In assessing the car insurance quotes for Pembroke Pines, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Florida's mandated liability insurance parameters:

The minimum coverage requirements in Florida are:

• $10,000 for property damage liability per accident.
• $10,000 personal injury protection (PIP) per person.

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

We adjusted the scoring in certain categories as follows:

• In the best customer service category, affordability was assigned a score of zero, while the scores for customer satisfaction, claims and coverage received an additional 10 possible points each.
• For the best minimum coverage category, the maximum points for satisfaction were reduced to 25, and maximum points for affordability increased to 40.
• We calibrated the affordability scores based on the quoted rates, which varied with the sample driver’s age or driving record.
• We also made qualitative evaluations for instances where certain insurers had coverage options that their competitors did not offer.

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Florida providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Pembroke Pines
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Pembroke Pines.

For more details on our analysis, you can view MoneyGeek's methodology.