Cheapest and Best Car Insurance in Pembroke Pines, FL (July 2024)


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Updated: October 3, 2024

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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.

MoneyGeek Logo IconBest & CheapestCar InsurancePembroke Pines
2024

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.

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These rates reflect the cheapest car insurance quotes in Pembroke Pines, FL, as of July 2024.

127,836Quotes Analyzed
 
9Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$802Monthly Premium$67
MercuryAnnual Premium$827Monthly Premium$69
TravelersAnnual Premium$857Monthly Premium$71
State FarmAnnual Premium$960Monthly Premium$80
AllstateAnnual Premium$1,168Monthly Premium$97
ProgressiveAnnual Premium$1,259Monthly Premium$105
NationwideAnnual Premium$1,302Monthly Premium$109
FarmersAnnual Premium$1,557Monthly Premium$130
Direct General InsuranceAnnual Premium$1,954Monthly 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
TravelersAnnual Premium$1,819Monthly Premium$152
State FarmAnnual Premium$1,856Monthly Premium$155
GEICOAnnual Premium$2,069Monthly Premium$172
ProgressiveAnnual Premium$2,226Monthly Premium$186
MercuryAnnual Premium$2,322Monthly Premium$194
AllstateAnnual Premium$2,546Monthly Premium$212
NationwideAnnual Premium$2,552Monthly Premium$213
FarmersAnnual Premium$3,135Monthly Premium$261
Direct General InsuranceAnnual Premium$3,999Monthly 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$2,102Monthly Premium$175
TravelersAnnual Premium$2,572Monthly Premium$214
AllstateAnnual Premium$2,689Monthly Premium$224
NationwideAnnual Premium$3,052Monthly Premium$254
ProgressiveAnnual Premium$3,090Monthly Premium$258
MercuryAnnual Premium$3,434Monthly Premium$286
FarmersAnnual Premium$3,987Monthly Premium$332
Direct General InsuranceAnnual Premium$3,999Monthly Premium$333
GEICOAnnual Premium$4,143Monthly 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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$4,513Individual Plan Monthly Premium$7,830
State FarmFamily Plan Annual Premium$4,662Individual Plan Monthly Premium$4,524
GEICOFamily Plan Annual Premium$5,481Individual Plan Monthly Premium$5,871
AllstateFamily Plan Annual Premium$5,483Individual Plan Monthly Premium$19,874
TravelersFamily Plan Annual Premium$6,006Individual Plan Monthly Premium$10,208
FarmersFamily Plan Annual Premium$6,847Individual Plan Monthly Premium$15,324
ProgressiveFamily Plan Annual Premium$7,006Individual 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
TravelersAnnual Premium$1,819Monthly Premium$152
State FarmAnnual Premium$1,856Monthly Premium$155
GEICOAnnual Premium$2,069Monthly Premium$172
ProgressiveAnnual Premium$2,226Monthly Premium$186
MercuryAnnual Premium$2,322Monthly Premium$194
AllstateAnnual Premium$2,546Monthly Premium$212
NationwideAnnual Premium$2,552Monthly Premium$213
FarmersAnnual Premium$3,135Monthly Premium$261
Direct General InsuranceAnnual Premium$3,999Monthly 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.

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Rates updated:

Oct 14, 2024

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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.

Company logo for Mercury
Best OverallMercury
MoneyGeek Score:
85/ of 100

Overview

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.

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.

Company logo for Mercury
Best for Customer ServiceMercury
MoneyGeek Score:
83/ of 100

Overview

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.

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.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
89/ of 100

Overview

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.

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.

BrandonAnnual Premium$2,650
Cape CoralAnnual Premium$1,868
ClearwaterAnnual Premium$2,273
Coral SpringsAnnual Premium$2,635
DavieAnnual Premium$2,567
Fort LauderdaleAnnual Premium$2,605
GainesvilleAnnual Premium$1,699
HialeahAnnual Premium$3,233
HollywoodAnnual Premium$2,724
JacksonvilleAnnual Premium$2,113
LakelandAnnual Premium$2,015
Lehigh AcresAnnual Premium$1,980
MiamiAnnual Premium$3,041
Miami GardensAnnual Premium$2,961
MiramarAnnual Premium$2,556
OrlandoAnnual Premium$2,146
Palm BayAnnual Premium$1,899
Pembroke PinesAnnual Premium$2,508
Pompano BeachAnnual Premium$2,696
Port St. LucieAnnual Premium$2,009
Spring HillAnnual Premium$2,152
St. PetersburgAnnual Premium$2,382
TallahasseeAnnual Premium$1,782
TampaAnnual Premium$2,855
West Palm BeachAnnual Premium$2,826

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.