Car Insurance in Pembroke Pines, Florida [The Complete Guide]
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Jeffrey Johnson
Insurance Lawyer
Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...
Insurance Lawyer
UPDATED: May 12, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 12, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Pembroke Pines Statistics | Details |
---|---|
City Population | 168,587 |
City Density | 5,100 people per square mile |
Average Cost of Car Insurance in Pembroke Pines | $4,449.92 |
Cheapest Car Insurance Company | USAA |
No one likes to spend more than they need to on car insurance. In a perfect world, you could find the right auto insurance provider offering coverages you want at the rates you need immediately with a basic online search or a conversation with your insurance agent.
The trouble is, finding auto insurance isn’t usually so simple. There is a range of factors that affect the premiums carriers assess for your policy—and some of them might surprise you.
With so many auto insurance companies out there touting the reasons why they are better than the competition, how do you discern the ones that meet the mark from those that don’t?
If you’re tired of spending hours searching the internet for car insurance companies in Pembroke Pines, Florida, but still turning up empty—you’ve come to the right place.
Finding auto insurance in Pembroke Pines, Florida doesn’t have to be complicated, but you have to know what components to look for to pick the best coverage to safeguard all the motorists in your household.
Not sure what to look for?
No problem.
We took the time, conducted the research, and broke down the data to put together this complete guide to the best car insurance in Pembroke Pines, Florida. From the cost of coverage in your city to key factors that affect rates to traffic conditions to insurance discounts—we’ve got you covered.
Simplify your search for car insurance providers in Pembroke Pines, Florida when you obtain your FREE quote for multiple carriers in seconds with our online rate calculator. Just enter your zip code in the box above to begin.
Now, let’s dive right into the cost of car insurance in Pembroke Pines.
The Cost of Car Insurance in Pembroke Pines
The first and probably primary factor you will take into account when searching for car insurance is the cost of your coverage.
We get it! Cost is the number one factor for our team as well, so we examined and broke down the individual components that affect rates such as zip code, driving record, coverage level, and more.
Let’s get this show on the road.
– Male vs. Female vs. Age
It’s a long-held train of thought that men pay higher car insurance rates than women do. However, is this really the case?
Your age and gender are two significant factors that auto insurance companies will use to determine your rates, but that is certainly not the end of the story.
Let’s see what the statistics show.
Based on a recent study conducted by Data USA, the median age in Pembroke Pines, Florida is 40.1 years old. What this means, is that the wide majority of motorists in Pembroke Pines won’t be affected by higher auto insurance premiums.
The table below provides a breakdown of exactly how your age and gender could determine your coverage rates in Pembroke Pines, Florida.
Age | 17 | 25 | 35 | 60 |
---|---|---|---|---|
Average Annual Rate | $11,169.79 | $4,269.62 | $3,717.46 | $3,400.53 |
As you’ve probably already noticed based on the data shown here, teen drivers are charged by far the highest rates of all age demographics. Not surprisingly either, 60-year-old drivers are assessed the cheapest rates across all motorist age groups.
In fact, there’s a nearly $8,000 rate disparity between what car insurance companies in Pembroke Pines, Florida charge teen drivers vs. senior drivers.
Even when you look at the rates charged to 25-year-old drivers vs. teen drivers, the gap is significant. On average, teen drivers have to pay about $7,000 more in premiums annually than 25-year-old drivers do.
In Pembroke Pines, Florida, male drivers pay out approximately$5,639.35 per year in auto insurance premiums, while female motorists are charged roughly $5,329.81 annually. The old addage that female drivers pay less for auto insurance rings true here, as they pay about $300 less per year for coverage than male drivers.
Now, let’s put it all together. Check out the table below to see how both your age and gender, along with your marital status could affect your car insurance premiums in Pembroke Pines, Florida.
Demographic | Average Annual Rates |
---|---|
Married 60-year-old male | $3,433.51 |
Married 60-year-old female | $3,367.55 |
Married 35-year-old male | $3,682.73 |
Married 35-year-old female | $3,752.19 |
Single 25-year-old male | $4,422.67 |
Single 25-year-old female | $4,116.58 |
Single 17-year-old male | $12,256.65 |
Single 17-year-old female | $10,082.93 |
As you can see from the table above, both male and female single teen drivers are charged the highest rates while married, 60-year-old drivers pay the lowest premiums of all.
Why do auto insurance companies charge lower rates to married drivers?
Well, carriers often view marriage as a sign of increased stability and responsibility. Therefore, they conclude that married drivers are more likely to practice safer driving habits, making them far less risky to insure.
Single 25-year-old male and female drivers pay up to roughly $1,000 annually more for premiums than the married, 60-year-old driver demographic. The disparity is still notable, but single, 25-year-old drivers still pay far less than what single, teen drivers have to pay.
If you currently have or about to have teen drivers in your household—don’t give up the ship just yet.
While factors like age and gender are huge components insurers use to assess premiums, there are quite a few others they will take into account as well.
Let’s take a look at how your zip code could affect your car insurance rates in Pembroke Pines, Florida.
– Cheapest Zip Codes in Pembroke Pines
The area that you live in could also have an impact on your annual premiums. Your coverage costs could vary by zip code based on influences such as the rates of crime in your area or its vulnerability to natural disasters.
The table below indicates the cheapest zip codes for auto insurance in Pembroke Pines, Florida.
Zip Code | Average Annual Rate |
---|---|
33028 | $4,351.93 |
33029 | $4,376.17 |
33332 | $4,385.85 |
33027 | $4,409.60 |
33026 | $4,449.92 |
The data reveals only an approximate $100 difference in rates between the least and most expensive zip codes listed.
This is good news for residents of Pembroke Pines, Florida, because it means that coverage rates don’t vary too much between some of the primary zip codes in the city.
– What’s the Best Car Insurance Company in Pembroke Pines?
While numbers don’t lie, factors like your age and gender aren’t the only components carriers use to assess your rates.
Whether you’re worried about insuring younger drivers in your household or are concerned that you’re currently paying too much in premiums and want to make a switch, you won’t want to miss the other following key factors that help determine the cost of your coverage.
From the cheapest car insurance rates in Pembroke Pines, Florida to the best car insurance based on your credit history—it’s all here.
Let’s dive right in.
– Cheapest Car Insurance Rates by Company
The table we have here shows the cheapest rates for car insurance in Pembroke Pines, Florida by the company alone.
Group | Married 35-year old female | Married 35-year old male | Married 60-year old female | Married 60-year old male | Single 17-year old female | Single 17-year old male | Single 25-year old female | Single 25-year old male | Average |
---|---|---|---|---|---|---|---|---|---|
Allstate | $4,987.03 | $4,801.46 | $4,367.03 | $4,459.56 | $17,978.62 | $19,691.73 | $5,005.97 | $5,094.88 | $8,298.29 |
Geico | $3,827.13 | $3,842.47 | $3,574.64 | $3,574.64 | $6,887.46 | $8,612.25 | $4,221.18 | $4,270.01 | $4,851.22 |
Liberty Mutual | $4,668.98 | $4,668.98 | $4,274.32 | $4,274.32 | $9,910.32 | $15,290.53 | $4,668.98 | $6,346.25 | $6,762.84 |
Nationwide | $3,982.92 | $3,917.19 | $3,544.88 | $3,668.02 | $9,612.43 | $11,793.22 | $4,381.27 | $4,538.72 | $5,679.83 |
Progressive | $4,301.41 | $4,084.37 | $3,678.60 | $3,941.25 | $12,377.96 | $13,553.22 | $5,269.64 | $5,076.25 | $6,535.34 |
State Farm | $2,589.83 | $2,589.83 | $2,346.54 | $2,346.54 | $7,189.43 | $9,176.74 | $2,880.12 | $3,053.22 | $4,021.53 |
USAA | $1,908.00 | $1,874.79 | $1,786.82 | $1,770.22 | $6,624.28 | $7,678.88 | $2,388.87 | $2,579.38 | $3,326.41 |
According to the data collected by our in-house researchers, Allstate charges the highest annual rates across all age and gender demographics, while USAA charges the lowest, with almost a $5,000 annual premium difference between the two carriers.
For example, Allstate charges teen male drivers about $14,600 more in rates per year than they do 25-year-old male drivers.
While USAA also charges teen male drivers more than 25-year-old male motorists, there’s only about a $5,100 rate difference between these two age demographics. With each carrier, the older the age demographic, the cheaper rates they pay.
The lesson to be learned here is to start practicing safe habits behind the wheel at a young age so that as you get older, your rates will continue to lower and level out for the duration of your driving life.
Also, you should pick your car insurance company in Pembroke Pines, Florida based on the rates they charge to whatever age and gender demographic you fit into. Don’t just look at the overarching average for the company alone.
In this way, you can be sure you are picking the most cost-effective rates for your particular situation and potentially save more on coverage in the long run.
– Best Car Insurance for Commute Rates
Did you know that your daily commute could affect the auto insurance premiums you pay?
According to the Federal Highway Administration’s 2016 driving study, Florida residents drove an average of 14,465 miles in the state in that year alone.
The table we’ve included below shows the average annual premiums auto insurance companies in Pembroke Pines, Florida charge insureds based solely on the length of the consumer’s commute.
Group | 10 miles commute. 6000 annual mileage. | 25 miles commute. 12000 annual mileage. | Average |
---|---|---|---|
Allstate | $8,059.53 | $8,537.04 | $8,298.29 |
Geico | $4,827.49 | $4,874.95 | $4,851.22 |
Liberty Mutual | $6,542.56 | $6,983.11 | $6,762.84 |
Nationwide | $5,679.83 | $5,679.83 | $5,679.83 |
Progressive | $6,535.34 | $6,535.34 | $6,535.34 |
State Farm | $3,877.52 | $4,165.54 | $4,021.53 |
USAA | $3,288.53 | $3,364.28 | $3,326.41 |
You’ll notice that some insurers, but definitely not all, will charge you higher rates for car insurance if you have a longer commute.
For instance, companies like Nationwide and Progressive show the exact same premium costs for 10 vs. 25-mile commutes.
On the other side of the spectrum, a carrier like Allstate charges consumers with 25-mile commutes almost $500 more in rates per year than drivers with only a 10-mile commute.
So, if you have a considerable commute time to and from work each day, definitely keep this at the forefront of your mind when picking car insurance coverage in Pembroke Pines, Florida.
– Best Car Insurance for Coverage Level Rates
The coverage level you pick for your policy also has the potential to noticeably affect your premiums.
This makes perfect sense because if you want to add increased coverages on your policy besides the basic options, you should expect to pay more for this heightened protection.
Group | High | Medium | Low | Average |
---|---|---|---|---|
Allstate | $9,806.81 | $8,740.56 | $6,347.48 | $8,298.28 |
Geico | $5,508.31 | $5,010.86 | $4,034.49 | $4,851.22 |
Liberty Mutual | $7,300.14 | $6,870.85 | $6,117.52 | $6,762.84 |
Nationwide | $6,660.17 | $5,907.28 | $4,472.05 | $5,679.83 |
Progressive | $7,335.56 | $6,672.15 | $5,598.30 | $6,535.34 |
State Farm | $4,515.58 | $4,117.56 | $3,431.45 | $4,021.53 |
USAA | $3,697.22 | $3,457.96 | $2,824.04 | $3,326.41 |
Depending on the insurer you end up selecting, the difference in the premiums you pay annually could be steep. For example, Allstate charges about $3,500 more in rates to insureds with high vs. low levels of coverage.
Companies like State Farm only charge roughly $1,100 more per year to consumers with high vs. low coverage levels.
With a carrier like USAA, the annual difference in premiums is right around $900. So, let’s break the numbers down a bit.
If you select high over low coverage with a carrier like Allstate, you can expect to pay about $300 a month more in premiums. Whereas with a company like State Farm, you’d only pay about $100 more per month.
With USAA, your monthly rate increase would be roughly $75.
The point here is that you can absolutely opt for higher levels of coverage on your policy without breaking the bank.
If higher policy coverages are your main goal, you’ll want to take a careful look at how different carriers assess rates for high vs. medium vs. low levels to ensure you’re getting the best rates for the coverage you require.
– Best Car Insurance for Credit History Rates
The strength of your credit score will also affect your car insurance rates in Pembroke Pines, Florida. While a few states forbid insurers from using your credit history as a factor when determining rates, Florida is not one of them at this point in time.
Check out the table below to see just how much your premiums could skyrocket or go down based on your credit score.
Group | Good | Fair | Poor | Average |
---|---|---|---|---|
Allstate | $5,983.60 | $7,357.89 | $11,553.37 | $8,298.29 |
Geico | $3,175.67 | $4,263.82 | $7,114.18 | $4,851.22 |
Liberty Mutual | $5,172.97 | $6,391.56 | $8,723.98 | $6,762.84 |
Nationwide | $4,673.89 | $5,198.82 | $7,166.79 | $5,679.83 |
Progressive | $5,054.20 | $6,060.42 | $8,491.40 | $6,535.34 |
State Farm | $2,944.42 | $3,601.48 | $5,518.69 | $4,021.53 |
USAA | $1,928.63 | $2,652.24 | $5,398.35 | $3,326.41 |
The difference in rates based on your credit history is more significant with some carriers than others, but not shockingly, there is a noticeable gap in premiums across the board for good vs. poor credit.
For example, State Farm charges consumers with poor credit about $2,600 more annually for premiums than they do drivers with good credit.
Then you have a carrier like Allstate, that charges about $5,600 more in premiums to insureds with poor credit than to individuals with good credit.
The reality is, your credit history doesn’t just affect things like your ability to secure a better mortgage from a lender or rent out an apartment. Your credit habits, good or bad, will also impact the money you have to fork over for car insurance each month.
Don’t lose heart if your credit is less than stellar. It’s never too late to turn around your spending and credit habits to improve your credit score, which with time, can lower your car insurance rates in Pembroke Pines, Florida.
If you already have great credit, the good news is for you is that you will probably secure far lower auto insurance rates than the general population with less than optimal credit.
– Best Car Insurance for Driving Record Rates
You likely already knew that your driving record is another huge element insurers in Pembroke Pines, Florida factor into the picture when assessing your premium costs.
The table here reveals exactly how much your rates could go up or down based on your driving history.
Group | Clean record | With 1 speeding violation | With 1 accident | With 1 DUI | Average |
---|---|---|---|---|---|
Allstate | $7,115.34 | $7,938.50 | $8,554.54 | $9,584.75 | $8,418.21 |
Geico | $3,343.34 | $5,288.33 | $4,306.03 | $6,467.18 | $4,705.52 |
Liberty Mutual | $4,857.66 | $6,657.31 | $6,327.65 | $9,208.73 | $6,798.01 |
Nationwide | $4,830.96 | $5,376.94 | $5,318.41 | $7,193.02 | $5,780.80 |
Progressive | $5,117.73 | $6,938.95 | $7,664.49 | $6,420.19 | $6,400.80 |
State Farm | $3,672.29 | $4,021.53 | $4,370.77 | $4,021.53 | $4,021.53 |
USAA | $2,597.32 | $2,724.79 | $3,214.41 | $4,769.10 | $3,526.94 |
Most carriers charge drivers with one DUI on their record the highest rates of all. However, some insurers actually assess higher premiums for motorists with one accident on their record than they do for insureds with a DUI.
For instance, Progressive charges individuals with one DUI about $1,300 more annually than drivers with a clean record, while charging insureds with one accident roughly $2,500 more per year than they do motorists with a clean driving history.
With a carrier like Liberty Mutual, the rates for drivers with a clean record vs. one DUI show an astonishing difference of around $4,400.
Practicing responsible driving habits whenever you hit the road doesn’t just keep you safe, but also helps ensure that you’re not going to end up paying mind-blowing premiums for coverage.
– Car Insurance Factors in Pembroke Pines
Besides factors like your age, commute length, and credit score, there are some other surprising influences that will affect how much of your take-home pay gets eaten up by premium costs.
To start, let’s take an in-depth look at the median household income in Pembroke Pines, Florida as compared to the average cost of auto insurance in the city.
-Median Household Income
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Jeffrey Johnson
Insurance Lawyer
Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...
Insurance Lawyer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.