Compare Pembroke Pines, FL Car Insurance Rates (2021)

The cheapest car insurance in Pembroke Pines, Florida, is USAA. However, car insurance rates will vary for each person. Pembroke Pines, FL car insurance must meet the state minimum requirements with coverage levels of $10,000 for PIP and $10,000 for PDL. Compare Pembroke Pines, FL car insurance rates online to find the best price.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Mar 5, 2021

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Here's what you need to know...

  • Pembroke Pines, FL car insurance costs $5,639/yr or $470/mo
  • The cheapest car insurance companies in Pembroke Pines, Florida, is USAA, State Farm, and GEICO
  • Pembroke Pines vehicle thefts have a lower effect on car insurance

Pembroke Pines, FL car insurance is $5,639 per year on average, which is $959 more expensive than the annual Florida car insurance average.

Why is car insurance in Pembroke Pines, FL so expensive?

Car insurance rates are determined by various factors, including the company you choose, your driving history, and much more. But don’t worry – we’re here to help you find affordable car insurance.

Our guide explains how you can find cheap car insurance in Pembroke Pines, Florida.

Ready to find affordable Pembroke Pines, FL car insurance rates? Enter your ZIP code above to get started.

What is the cheapest car insurance company in Pembroke Pines, FL?

The cheapest car insurance company in Pembroke Pines, FL, is USAA. However, USAA is only available to military veterans and their immediate families. The following most affordable companies are State Farm and GEICO.

Here are the best auto insurance companies in Pembroke Pines, Florida, ranked from cheapest to most expensive:

  • USAA – $3,326
  • State Farm – $4,022
  • GEICO – $4,851
  • Nationwide – $5,680
  • Progressive – $6,535
  • Liberty Mutual – $6,763
  • Allstate – $8,298

USAA, State Farm, Nationwide, and GEICO are the only Pembroke Pines car insurance companies with cheaper than average auto insurance rates. Your actual car insurance rates will depend on personal factors.

The most crucial factor is your driving record. Some car insurance companies provide 15 to 40 percent off annual rates if you have a clean driving history. You can even save money if your credit score is good.

Another critical factor that determines auto insurance is location. Car insurance providers partially base your rates on your ZIP code.

So what’s the cheapest neighborhood in Pembroke Pines? The most affordable ZIP code in Pembroke Pines, Florida, is 33026, and its average car insurance cost is $371 per month.

Male drivers under 25 in Pembroke Pines have the most expensive car insurance rates. Meanwhile, married drivers who are 25 and older pay significantly less for auto insurance.

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What are the minimum car insurance coverage requirements in Pembroke Pines, FL?

All Florida drivers must carry the minimum auto insurance requirements, which are:

  • $10,000 for personal injury protection (PIP)
  • $10,000 for property damage liability (PDL)

It’s recommended that you get a higher coverage limit. Florida’s coverage car insurance requirements are lower than average. Therefore, it would be best to buy a higher coverage limit, such as 50/100/50.

What affects car insurance rates in Pembroke Pines, FL?

Did you know your daily commute can determine your car insurance? Even auto thefts can affect your car insurance per year.

Your chances of getting into an accident increase the more you drive. Vehicle thefts, on the other hand, determine your chances of filing a comprehensive insurance claim.

According to the FBI statistics, the city of Pembroke Pines had 266 car thefts. That’s not much compared to cities like Fort Lauderdale and Tallahassee. That means comprehensive coverage rates could be lower than average.

What about your daily commute? The Pembroke Pines commute is about four minutes slower than the national average.

According to City-Data, it takes 29 minutes for the average driver to get work in Pembroke Pines, Florida. The higher than average commute time of your area could increase your car insurance rates.

Pembroke Pines, FL Car Insurance: The Bottom Line

You can find cheap car insurance in Pembroke Pines, Florida, by maintaining a clean driving record. If you have a good credit score, you will also find lower rates.

Also, your vehicle’s safety and anti-theft features can save you money on car insurance. It’s recommended that you buy an older model vehicle to cut prices even more.

Before you buy car insurance in Pembroke Pines, Florida, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Pembroke Pines, FL car insurance quotes.

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