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.
Compare the Cheapest Car Insurance Quotes in Pembroke Pines, FL
The Cheapest and Best Car Insurance in Pembroke Pines
The Cheapest Car Insurance Companies in Pembroke Pines
Insurers offering the cheapest full coverage policy in Pembroke Pines include:
- USAA: $957 per year (available for current and former military members only)
- GEICO: $1,522 per year
If you are looking for cheap car insurance in Pembroke Pines, USAA offers the lowest average annual rate of $957. This is 208.8% cheaper than Mercury, the most expensive provider in the city. It’s important to note that USAA policies are only available for military members, veterans and their eligible family members.
Drivers who do not qualify for USAA should consider getting a quote from the next cheapest car insurance company, GEICO. The average premium for a GEICO policy costs $1,522 per year, which is 94.2% cheaper than Mercury.
Prices and data gathered by MoneyGeek are based on a sample, 40-year-old male driver profile looking for a full coverage policy along with liability insurance and comprehensive and collision insurance.
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Average Cost of Car Insurance in Pembroke Pines
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.
The Best Car Insurance Companies in Pembroke Pines
Cost may be an important factor, but for Pembroke Pines-based drivers looking to balance quality and affordability, MoneyGeek also ranked the best companies. The best insurers in the area include:
- Esurance: MoneyGeek score of 95 out of 100
- GEICO: MoneyGeek score of 85 out of 100
USAA received the highest score in Pembroke Pines by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek ranked the best companies based on J.D. Power user satisfaction, affordability and financial stability.
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 car insurance quotes from different companies regularly. This can help you make sure you have the best policy for your needs at the most affordable price.
Shopping around for car insurance in Pembroke Pines could save you $681, which is enough to buy:
Cheapest Car Insurance in Pembroke Pines by Coverage Amount
In Pembroke Pines and elsewhere, the amount of coverage you buy impacts the price of insurance. For instance, a policy that meets Florida state minimums will cost only $1,094 on average. On the other hand, a full coverage policy with higher liability limits will cost $2,203. This is a difference of $1,109 between policies.
Florida Minimum Liability Requirements
- Property Damage$10,000 for property damage. A more protective level is 100/300/100.
- Personal Injury Protection$10,000 per person.
It’s important to understand the differences in coverage options. If you cause an accident, liability insurance will only pay for the costs of the other driver. Opting for full coverage means you'll pay a higher rate because it will cover your expenses and the other driver's when you cause an accident.
In Pembroke Pines, USAA offers the cheapest car insurance with liability-only and full-coverage packages that have 50/100/50 limits. This means coverage is provided for $50,000 in medical bills per person, up to $100,000 total per accident and $50,000 in property repair costs.
On average, USAA’s full-coverage policy costs $241 more annually than its liability-only plan. For drivers who don’t qualify for USAA, GEICO’s full-coverage policy costs $356 more per year than its liability-only coverage.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Pembroke Pines if You Have Driving Violations
Having a clean driving history can help you get cheap car insurance in Pembroke Pines. Driving under the influence, having a speeding ticket or being involved in at-fault accidents will increase your insurance rates.
A driver in Pembroke Pines who is insured through the city’s cheapest provider, USAA, and has a speeding ticket may pay $101 more per year than a driver with a clean record. Accidents may cost policyholders $292 more each year, while a DUI may add an extra $796 to a driver’s annual premium.
For drivers who don’t qualify for USAA, the annual premium increase for a State Farm policyholder with a speeding ticket or DUI might be $134 per year. For drivers with an accident on their record, the cost may be $268 more per year.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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 CodeState Minimumper year
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.
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.
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