bestauto insurancePembroke PinesCompare the Cheapest Car Insurance Quotes in Pembroke Pines, FL
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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.
bestauto insurancePembroke PinesThe 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
- Company100/300/100per year
- 1.$957
- 2.$1,522
- 3.$1,634
- 4.$2,047
- 5.$2,143
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.
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
- CompanyState Minimumper year
- 1.$422
- 2.$697
- 3.$903
- 4.$934
- 5.$957
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
- ItemDescription
- 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
- CompanySpeeding Ticketper year
- 1.$1,058
- 2.$1,768
- 3.$2,173
- 4.$2,535
- 5.$2,735
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.
The Best Car Insurance Companies in Pembroke Pines
MoneyGeek analyzed car insurance companies in Pembroke Pines based on customer satisfaction, affordability and financial stability to find the best auto insurance companies. According to our findings, the top car insurance companies in Pembroke Pines are:
- GEICO: MoneyGeek score of 80 out of 100
- State Farm: MoneyGeek score of 76 out of 100
MoneyGeek excluded USAA from this analysis despite its perfect score of 100 out of 100. USAA is the best car insurance provider in Pembroke Pines for drivers with a military background.
1
GEICO
Score:80
GEICO offers the best car insurance in Pembroke Pines, at an average cost of $1,522 per year. It ranks high for user satisfaction and claims. With GEICO, policyholders can choose various coverages, including mechanical breakdown insurance.
More About GEICO
If your car is less than 15 months old and has less than 15,000 miles, you can opt for GEICO's mechanical breakdown insurance (MBI). This insurance covers all systems and parts in your vehicle, including those not covered by the dealer warranty.
You can also choose accident forgiveness coverage to help ensure that your premiums are not increasing following your first at-fault accident. Other options include roadside assistance and rental car and travel reimbursement.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:76
A State Farm full coverage policy in Pembroke Pines costs an average of $1,634 per year. State Farm scores highly in claims and user satisfaction. You can get add-on coverages like rideshare insurance to customize your State Farm auto insurance policy.
More About State Farm
Rideshare insurance is an optional coverage that extends your car insurance coverage for medical, emergency roadside assistance and rental car reimbursement to remain in effect while you are working with a rideshare app.
State Farm also offers standard optional coverages like roadside assistance to cover the cost of services like towing, gas delivery and mechanical labor. You can also opt for rental car and travel reimbursement coverage to cover the travel expenses you may incur while your car is under repair.
Read MoneyGeek's State Farm auto Insurance Review3
Travelers
Score:66
4
Allstate
Score:65
5
MetLife
Score:58
6
Progressive
Score:36
7
Allied
Score:28
8
Mercury
Score:25
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
- 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.
About Mark Fitzpatrick
