Car Insurance in Coral Springs, Florida [The Complete Guide]

Located near the southern tip of Florida’s Peninsula, Coral Springs is situated just west of The Sunshine State’s Florida Turnpike, taking motorists straight south toward Miami or north following the coast to Jacksonville.

With pristine beaches like Deerfield Beachfront Park and Pompano Beach within a 20-minute drive and Fort Lauderdale a mere 20 miles away, chances are you’ll be hopping in your car often to enjoy all the beauty that your region has to offer.

And when you do get behind the wheel, you’ll want to make sure your insurance coverage will see you safely through from Point A to Point B, no matter what you may encounter when you hit the roadway.

Perhaps you’ve had the same insurance company for years. Maybe you shop around every few policy renewal periods but haven’t quite found a carrier that ticks all your boxes.

When life gets busy and your schedule is jam-packed with responsibilities, finding car insurance in Coral Springs, Florida, might slowly migrate down to the bottom of your to-do list.

Whether you’re currently browsing different carriers to make a switch when your policy period ends or you are satisfied with your insurer but want to confirm you’re getting the best rates for coverage — you’ve come to the right place.

In this article, we’re going to dig deep into everything you need to know about car insurance in Coral Springs, Florida, from costs by different carriers, factors that affect your premiums, and vehicle theft data to safety statistics, unique driving laws, and more.

By the end, you’ll have all you need to make a decision about car insurance in Coral Springs.

Look for insurers the fast and easy way when you comparison shop with our online rate tool. Enter your zip code now in the box above to start your FREE quote! 

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The Cost of Car Insurance in Coral Springs

The first factor you’ll likely consider when shopping for car insurance companies in Coral Springs, Florida, is cost. It’s only natural to want to know right off the bat the premiums you can expect to pay for the type of coverage you’re looking for.

What’s more, the cost of coverage can fluctuate dramatically depending on the insurer, which makes it all the more paramount to understand what factors could affect your rates from the outset.

Keep scrolling for a thorough breakdown and comparison guide of the average annual rates top insurers in The Sunshine State charge consumers, based on factors such as gender, age, zip code, driving record, and more.

Male vs. Female vs. Age

If you’ve ever heard that your age and gender affect your car insurance rates — you’d be right. While a handful of states ban insurers from using gender as a factor when assessing rates, the lion’s share of carriers across the nation are still permitted to do so, including those in Florida.

A study conducted by Data USA in 2017 revealed the average age of residents in Coral Springs, Florida, is 36.8 years old. This is good news for insurance consumers in the city, because the data indicates that most local drivers won’t have to worry about higher-than-usual car insurance premiums.

Naturally, younger drivers, particularly teen drivers, often pay considerably higher rates than the rest of the driving population. Check out the table below to see how your age could impact your auto insurance premiums in Coral Springs, Florida.

As you can see from the data here, teen drivers pay by far the highest rates of all age demographics listed, with 25-year-old motorists paying the second-highest average annual rates in Coral Springs, Florida. However, there’s over a $7,000-rate gap between what 17-year-old motorists and 25-year-old motorists have to pay.

You may have also noticed that the older the driver gets, the less they pay for coverage. Not surprisingly, 60-year-old drivers pay the cheapest rates for coverage — over $8,000 less than what teen drivers pay.

Just how much does your gender affect the rates you can expect to pay for auto insurance coverage in Coral Springs, Florida? The same study referenced above by Data USA also revealed the following:

In Coral Springs, Florida, male motorists pay roughly $6,010.19 annually for coverage, while female drivers pay around $5,700.77 a year in premiums. This means that male drivers pay around $300 more for coverage per year than female motorists. 

Examine the table below to see how your age and gender combined could impact your auto insurance rates in Coral Springs, Florida.

Besides age and gender, whether or not you’re married or not can also affect how much you pay for car insurance coverage.

Why is this? Well, the data shows that younger, married motorists get into fewer accidents than unmarried drivers.

Also, auto insurance companies typically recognize marriage as a sign of stability and conclude that married drivers will likely adhere to safer driving habits when behind the wheel.

If these rate factors have got you down — the story isn’t over yet. Keep reading to discover the other important (and often, seemingly unrelated) factors that auto insurance companies in Coral Springs, Florida, take into account when assessing consumer rates.

Cheapest Zip Codes in Coral Springs

The area you live in can have a dramatic effect on the rates that car insurance companies in Coral Springs, Florida, charge you for coverage. For example, regions with a higher rate of crime or vulnerability to natural disasters could have higher annual premiums.

Check out the table, indicating the cheapest zip codes for auto insurance in Coral Springs, Florida.

These figures are well within the range of the average cost of car insurance in the city of Coral Springs at $4,610.86. Residents living in the 33065 and 33071 zip codes pay the same average annual rates as the city-wide median. 

What’s the Best Car Insurance Company in Coral Springs?

Finding the best car insurance company in Coral Springs, Florida, doesn’t have to be stressful. When you’re trying to secure the best coverage for all the motorists in your family, it’s vital to understand the factors at play that could affect how much you have to fork over annually for premiums.

From the cheapest auto insurance rates to rates broken down by factors like your commute and chosen coverage level — we’ve got you covered. Find out everything you ever wanted to know about car insurance in Coral Springs, Florida.

Without further ado, let’s jump right into it.

Cheapest Car Insurance Rates by Company

The table we have here reveals the cheapest car insurance in Coral Springs, Florida, by the individual insurer.

Based on the data above, you can see that Allstate charges the highest premiums of all carriers listed, and USAA the cheapest. However, a carrier’s overarching annual rates are only one very small piece of the insurance puzzle.

You should select your insurer based on the average premiums the company charges your specific driving demographic. 

Let’s look at a few examples. If you look at the rate difference between what Allstate charges 35-year-old male motorists and 17-year-old male drivers, you’ll see that teen males pay roughly $17,000 more in annual premiums.

If you go to the bottom of the table and examine State Farm’s rates for the same driver demographics, you’ll notice that 17-year-old male drivers pay only roughly $6,000 more annually for coverage than 35-year-old male motorists.

By paying close attention to the rates any given insurer charges a particular driver demographic, instead of the overarching average alone, you can better determine which company offers the most affordable rates for the coverage you need.

Best Car Insurance for Commute Rates

A 2016 study released by the Federal Highway Administration revealed that Florida motorists drove an average of 14,465 miles in that year alone. The table below indicates the average annual premiums you could expect to pay the top insurers in Coral Springs, Florida, based solely on the length of your commute.

You may have already noticed that while some carriers will charge higher rates if you have a longer commute to work each day, other insurers charge the same rates regardless. Case in point, Progressive and Nationwide show zero difference in rates for insureds who have 10- versus 25-mile commutes.

On the other hand, a carrier like Liberty Mutual charges drivers with a 25-mile commute to work over $400 higher annual premiums than consumers with a 10-mile drive to work each day.

Best Car Insurance for Coverage Level Rates

Among the many factors that help determine the price of an auto policy, the coverage levels pick could have a noticeable impact on your annual premiums. The table below illustrates the rates of top carriers in Coral Springs, Florida, charge based on one’s chosen level of coverage.

Check out the various premiums listed above. Is your carrier included on the list?

While all carriers for whom data was collected show a rate increase if you pick a high coverage level instead of low, the amount of the increase varies considerably by each.

Let’s dive into a few examples.

If you look at the premiums that Allstate — the carrier with the highest average annual rates — has listed, you’ll see they charge consumers who opt for high coverage levels roughly $4,400 more annually than insureds who choose low coverage levels.

Look further down the table to the rates that USAA — the carrier with the cheapest average annual rates — assesses for consumers who pick high coverage levels rather than low. As you can see, the gap is not nearly as wide as with Allstate; USAA charges those with high coverage levels around $1,000 more annually than individuals with low coverage levels.

In terms of your monthly car insurance bill, choosing high coverage levels could mean paying roughly an extra $370 a month if you purchase insurance through Allstate. In the case of USAA, you’d only pay about $80 more a month.

Of course, coverage level rates are just one factor to consider when shopping for carriers, and you should never use any single rating component to decide on an insurer.

Best Car Insurance for Credit History Rates

Did you know that your credit score can also affect how much you pay for auto insurance in Coral Springs, Florida? Check out the video above to learn how car insurance companies use your credit score to assess insured rates, then look at the table below to see what insurers charge in your area based on consumer credit history.

It’s interesting to see, in concrete facts and figures, just how much your credit score could affect your annual premiums in Coral Springs. For example, Allstate charges insureds with poor credit roughly $7,000 more annually than individuals with a good credit history.

Further down the table, you have a carrier like State Farm, who charges about $3,000 more a year if you have poor credit rather than good. The rate gap isn’t as wide as with an insurer like Allstate, though the additional $3,000, if you have a poor credit history, could mean roughly $250 more tacked onto your monthly bill.

With all carriers listed, poor credit habits could mean you pay thousands of dollars more annually for coverage than you otherwise would.

The moral of the story?

The time to start improving your credit is now. From securing lower mortgage rates to finding more affordable car insurance coverage, improving your credit could save you considerable time, stress, and money in the long run.

Best Car Insurance for Driving Record Rates

You probably already knew your driving record is a huge factor insurers consider when assessing your annual car insurance premiums for coverage in Coral Springs, Florida.

It makes sense — after all, if someone has a history of driving violations or accidents, they naturally present more of a risk to the insurer than a motorist with a clean driving record.

Having a single DUI on your driving record could raise your rates by thousands of dollars a year. 

A company like Allstate will raise your rates by approximately $2,700 annually if you have one DUI versus a clean driving record. A couple rows down you’ll see that Liberty Mutual charges drivers with one DUI roughly $4,400 more annually than motorists with a clean driving history.

State Farm charges consumers with one DUI on their record around $400 more than drivers with a clean record, which is negligible when compared with the figures previously noted.

In fact, State Farm charges the highest rates to consumers who have one accident on their record. If you’re insured with State Farm and have one accident on your record, you could expect to pay upwards of $800 more for coverage than if you had a spotless driving history.

Car Insurance Factors in Coral Springs

Now that you have a thorough understanding of the primary insurance factors that could impact your rates, it’s time to delve into some additional components that could affect precisely how much of your annual earnings go to car insurance costs.

Keep reading to access the data our research team collected to help you decide just how much you ought to pay for auto insurance in Coral Springs, Florida.

Median Household Income

The 2017 median income for Coral Springs, Florida, residents showed an increase of 4.53 percent from the year prior. In 2016, the median resident income was $67,702.

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Homeownership in Coral Springs

In 2017, Data USA revealed that 60.2 percent of homes in Coral Springs, Florida, were inhabited by their owners. This owner-occupation rate showed a slight increase from the previous year’s 60.1 percent.

To compare these figures to the national median, the average ownership percentage across the nation is 63.9 percent.

As of 2017, the median property value for homes in Coral Springs, Florida, was $313,500. This was a notable increase from 2016, when the median property value was $294,300. The vast majority of homes in Coral Springs, Florida, have a property value between $300,000 and $400,000.

Why would owning a home impact your auto insurance rates?

Insurers typically see homeownership as another strong indicator that the consumer is established and responsible. This translates not only to financial responsibility to fulfill their monthly auto insurance bill but also shows a carrier that the individual presents a lower risk to insure.

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Education in Coral Springs

There are many four-year institutions within 40 miles of the city of Coral Springs, Florida. These include:

• City College Fort Lauderdale
• University of Fort Lauderdale
• Lynn University in Boca Raton
• South Florida Bible College and Theological Seminary in Deerfield Beach
• University of Phoenix South Florida Campus in Plantation
• Digital Media Arts College in Boca Raton
• Everglades University in Boca Raton
• Florida Atlantic University in Boca Raton
• Trinity International University Florida in Davie
• Broward College in Fort Lauderdale

Wage by Race and Ethnicity in Common Jobs

Data USA’s 2017 study didn’t include data for wage variants in Coral Springs, Florida, specifically. Instead, their study featured information about the state of Florida as a whole. However, while the stats we’re about to discuss are general to the state of Florida, they could also apply to workers’ situations in Coral Springs.

As of 2017, the highest paid ethnic group in Florida was Asian workers. Asian indivduals were paid 1.08 times more than workers of an Alaska Native ethnicity, who earned the second highest salary of any ethnic group studied.

According to Data USA, the highest average salaries in Florida that year by race and ethnicity were as follows:

• Asian individuals — $54,227 per year
• Alaska Native individuals — $50,175 per year
• White individuals — $47,927 per year

Again, let’s put these numbers into the perspective of average annual auto insurance rates. The median cost of coverage in Coral Springs, Florida, is $4,610.86. This means that while Asian workers pay approximately 8.5 percent of their income out in premium costs, White employees pay roughly 9.6 percent of their income in insurance rates. 

Wage by Gender in Common Jobs

While some may doubt that a wage gap still exists between genders, the data doesn’t lie. The same study conducted by Data USA found that in 2017, male workers earned 1.34 times more than their female counterparts.

On average, male employees earned $58,931 in 2017, while female workers earned $44,078. As you can see, that’s more than a $14,000 wage gap.

To put things into perspective of premiums as a percentage of income again, male workers paid out roughly 7.8 percent of their income in premium costs, while female employees paid a whopping 10.5 percent.

Poverty by Age & Gender

Age and gender don’t just present unique trends for auto insurance rates or the ever-present wage gap — they also show specific trends regarding poverty rates. As of Data USA’s most recent study, 10 percent of the population in Coral Springs, Florida, was assessed below the poverty line.

That figure is lower than the national median of 13.4 percent.

The largest demographic of individuals living below the poverty line in Coral Springs, Florida, are females between the ags of 35 – 44. The second largest demographic are females aged 25 – 34.

Finally, the third-largest demographic residing under the poverty line in Coral Springs, Florida, are females between the ages of 18 – 24. This means that women make up the lion’s share of all residents who are living in poverty in the city of Coral Springs. 

Poverty by Race & Ethnicity

Data USA revealed that White individuals are the most common ethnic group living under the poverty line in Coral Springs, Florida. The second and third largest ethnic groups living beneath the poverty line are Black and Hispanic ethnicities, respectively.

As of Data USA’s last study, there were 6,643 White, 4,766 Black, and 4,376 Hispanic residents living in poverty in Coral Springs, Florida.

Employment by Occupations

In the period between 2016 and 2018, employment grew in Coral Springs, Florida, at a healthy rate of 2.9 percent, from 65.5 thousand workers to 67.4 thousand workers. The most common occupations by the number of individuals residing in Coral Springs are as follows:

• Office and Administrative Support Occupations — 10,157 people
• Sales and Related Occupations — 8,530 people
• Management Occupations — 8,260 people

In comparison with other places, the city of Coral Springs, Florida, has a higher-than-expected number of residents working in the following fields:

• Law Enforcement Workers (Including Supervisors) — 1.41 times higher than expected
• Fire Fighting, Prevention, and Other Protective Service Workers (Including Supervisors) — 1.33 times higher than expected
• Health Diagnosing, Treating Practitioners, and Other Technical Occupations — 1.31 times higher than expected

The highest-paid occupations held by Coral Springs, Florida, residents in terms of median earnings are:

• Law Enforcement Workers (Including Supervisors)  — $87,604
• Architecture and Engineering Occupations — $78,256
• Management Occupations — $73,618

Driving in Coral Springs

From the most popular road trip sites in and around Coral Springs to vehicle ownership trends in your area—don’t miss this inside look into driving statistics and data in your city.

Roads in Coral Springs

No one likes being stuck in traffic. Here’s what you need to know about major highways and road conditions in your area so you can pick the best route for your daily drive to and from work and all your other daily activities.

Major Highways

The Sunshine State has a total of 13 different active interstates filtering through it, making a total of 1,497.58 highway miles. These active interstates are as follows:

• I-4
• I-10
• I-75
• I-95
• I-110
• I-175
• I-275
• I-375
• I-195
• I-295
•  I-395
• I-595
• I-795

Florida’s toll road network, aptly named the Florida Turnpike, comprises a total of 461 roadway miles and runs directly through the Coral Springs area. Operated by the Florida Turnpike Enterprise under the Florida Department of Transportation, the Turnpike costs vary depending on where you’re driving and how far you plan to drive.

Your Turnpike costs are based on the number of axles your vehicle, as along with the mileage amount. Drivers can opt to pay their tolls with the prepaid SunPass, or in cash.

Drivers who purchase a SunPass enjoy toll rates discounted at roughly 25 percent. Drivers can also choose the Toll-By-Plate method, where all-electronic tolling is in place. Drivers who select this option will receive a toll bill in the mail. There is also an additional $2.50 service charge for Toll-By-Plate.

If you decide you’d rather have a SunPass, you’ll have two different types of transponders to select from. The SunPass Portable costs $19.99 plus tax. You can install it on your car windshield with suction cups or move it around between vehicles as you need to.

The SunPass Mini Sticker is only $4.99, not including tax. However, the SunPass Mini is a permanent sticker, so you can’t transfer it to another vehicle.

To activate either SunPass, you must have a minimum balance of $10.

Motorists also have a plethora of options to purchase their transponder, including at authorized retailers, online, by mail, or fax.

Popular Road Trips/Sites

With so much natural beauty, endless sun, sand, and palm trees that Coral Spring, Florida, and the surrounding area have to offer, no one could blame you for wanting to enjoy a stay-cation.

Check out the video above for some fun ideas to play tourist in your state, then watch the video below documenting a fantastic road trip from Miami to Key West.

https://www.youtube.com/watch?v=fP7myB2iiAE

Whether you like to play tourist in your backyard or pack everything up and go on extended road trips, the list of awesome excursion and road-trip ideas below has something for everyone to enjoy. Check it out!

• Road Trippin’ from Coral Springs to Key West — From stops at The Everglades National Park to the incredible Seven Mile Bridge, you won’t want to miss this Ultimate Road Trip.
• See the Local Sights — These 12 Best Things to Do in Coral Springs may be practically in your backyard. With stops at the Tall Cypress National Area, Coral Springs Museum of Art, and traditional Italian restaurants like the Sicilian Oven, the perfect day out of the house or stay-cation is just a short drive away.
• The Ultimate Florida Road Trip — This mind-blowing Florida road trip will take you to all the treasures of your state, from St. Augustine to Orlando to the Keys.
• South Florida Road Trip — If you don’t feel like venturing beyond South Florida, you’ll still have no shortage of things to see and do. This guide includes ideas for stops in Marco Island, Naples, Miami, and more!
• Travel from North to South Florida — In this two-week road trip, you can get to know your state as never before. From Jacksonville to the Keys and back, make this road trip your own and add in your favorite stops along the way.
• Take the Scenic Route — This guide to the 8 Great Scenic Drives in South Florida is a must-read. Travel along Florida Scenic Highway A1A or take the Tamiami Trail from Miami to Tampa. Other scenic drives mentioned include the famed Ocean Drive along South Beach, Miami.

Florida is a road-trip lover’s paradise. Just about a half-hour drive from Fort Lauderdale and one hour away from Miami, Coral Springs is perfectly situated to enjoy the very best that The Sunshine State has to offer.

Road Conditions

The city of Coral Springs, Florida, and Broward County have numerous city projects in the works. In July 2019, work began on the Riverside Drive Resurfacing Project in Coral Springs, where new pavement markings and asphalt will be installed. Affected roadways include University Drive, Coral Ridge Drive, and Atlantic Boulevard.

The project is expected to be substantially finished by August 2019.

Another notable project in the area is the Sawgrass Expressway Canal Bank Restoration Phase Four. Operated under Florida’s Turnpike Enterprise, the next phase, started in July 2019, will stabilize and repair canal embankment slopes on the southern part of the Sawgrass Expressway.

Check the Coral Springs Work Around Town page for the most recent updates on all local projects in your city and county.

Does Your City Use Speeding or Red Light Cameras?

Florida allows cities throughout the state to install red-light cameras, but there are no ordinances or state laws in effect regarding speed cameras at the time of this article. Red light violations will incur a $158 fine, but no points on the motorist’s record.

Vehicles in Coral Springs

From vehicle ownership rates to speed traps to traffic safety stats, the following section of our guide to Coral Springs, Florida, covers it all.

Let’s dive right in!

How Many Cars Per Household?

Data USA’s 2017 study found that the average household in Coral Springs, Florida, has two cars each. The second-largest share of homes in the city has three cars each.

Households Without a Car

While the largest share of households in the city of Coral Springs, Florida, has at least two cars, numerous households don’t own a car at all.

Check out the data below, indicating the households in 2015 and 2016 that relied on other transportation methods.

As the table here shows, the number of households without a car increased by a slight amount between 2015 and 2016. Likewise, the percentage of vehicles per household went down.

Speed Traps in Your City

If you’ve ever been driving and unwittingly sped by a cluster of trees, blaring the radio with great enthusiasm, only for a patrol car to appear out of the blue and start pursuing you, you’ve encountered a speed trap. Speed traps are designs to deter unsafe drivers and reduce speeding, but they can also bring in considerable revenue for a city.

The good news for residents in Coral Springs, Florida?

The city didn’t even rank among the 10 worst Florida speed trap cities. With that said, you should always maintain the posted speed limit, not only to avoid a pesky ticket but to protect you if you encounter unexpected situations on the roadway and need to stop.

Vehicle Theft in Coral Springs

In the 2016 edition of the FBI’s Crime in the U.S. Report, the study reported 179 motor vehicle thefts that year. The next year, Neighborhood Scout found there were 214 motor vehicle thefts in 2017, which was a marked increase from the year before.

The safest neighborhoods in Coral Springs, Florida, according to Neighborhood Scout, are:

• Coral Ridge Dr/Wiles Rd
• NW 46th Dr/NW 50th St
• Coral Ridge Dr/W Atlantic Blvd
• Coral Ridge Dr/Wyndham Lakes Blvd N
• N Springs Way/University Dr
• Coral Springs Dr/Riverside Dr
• Riverside Dr/Coral Ride Dr
• NW 83rd Ln/NW 51st
• Wiles Rd/NW 46th Dr

The map above and designated boxes reveal some of the most dangerous neighborhoods for residents of Coral Springs, Florida. According to Neighborhood Scout, your chances of becoming a victim of violent crime are 1.9 per 1,000 residents.

Neighborhood Scout gives you a one in 526 chance of becoming a victim of violent crime in Coral Springs, lower than the one in 245 chance Neighorhood Scout estimates you have of becoming a victim of a violent crime in the state of Florida as a whole.

Coral Springs, Florida, ranks 29 on Neighborhood Scout’s crime index (with 100 being the safest) and is reported to be safer than 29 percent of U.S. cities. Check out the table below, indicating the number of violent crimes in Coral Springs in 2017.

Likewise, the following table indicates the annual number of crimes in Coral Springs, Florida, the same year.

Traffic

Staying safe on the road is equally as important as finding the best car insurance coverage in Coral Springs, Florida. Our researchers collected data regarding road safety stats, transportation options, air quality in Coral Springs, and more.

Let’s get right into it.

Transportation

On average, workers in Coral Springs, Florida, have a longer commute time than the average U.S. employee. Coral Springs workers commute an average of 26.8 minutes to work each day, while the national median commute time is 25.1 minutes.

In addition, approximately 1.55 percent of workers in Coral Springs, Florida, have what are known as super commutes, exceeding 90 minutes in length.

As of 2017, 80.5 percent of workers reported Drove Alone as their method of commuter transportation, while 9.61 percent stated that they Carpooled to work. Just 5.58 percent of workers reported that they Worked At Home.

How Safe Are Coral Springs Streets & Roads?

The table below illustrates data from the National Highway Traffic Administration (NHTSA) regarding Broward County crash fatalities in 2017. These include fatality statistics regarding alcohol-impaired fatalities, speeding-related fatalities, single-vehicle crash fatalities, and more.

The following table illustrates the most up-to-date data released by the NHTSA indicating the Florida highways with the highest incidence of fatal crashes.

Arterial roads are classified as high-capacity urban roads. An arterial road could be either a minor arterial road or a highway, depending on the level of traffic.

The vast majority of fatal crashes in Florida occur in “Other” and “Unknown” roads.

What does this mean for drivers in Coral Springs, Florida? Exert additional caution when driving on the back and unmarked roads. While it might seem that these roads could be less hazardous than driving on the highway, the data shows that sometimes, the opposite is true.

Ridesharing

If you feel like skipping the drive and taking a ridesharing service instead, you’re in luck. Here are your rideshare options in Coral Springs, Florida:

• RideYellow
• Taxi
• Uber X
• Curb
• Lyft Premier
• Lyft Lux
• Uber Lux

E-star Repair Shops

Sponsored by insurer Esurance, the E-star Program offers consumers a quick and easy method to find the best repair shops in their area.

Check out the table below to see the top 10 E-star repair shops in the Coral Springs area.

Weather

U.S. Climate Data regularly releases reports regarding average high and low temperatures, precipitation, and other key weather details about cities throughout the country. While Coral Springs didn’t make it to the list, nearby Fort Lauderdale did. Check out the temperatures listed below:

• Annual high temperature — 83.3 F
• Annual low temperature — 67.8 F
• Average temperature — 75.55 F
• Average annual precipitation — 66.49 F

Something else you’ll want to consider when deciding what coverages to add or leave off your policy is how vulnerable your area is to natural disasters.

Broward County has experienced a total of 24 natural disasters, much higher than the U.S. average. Of these natural disasters, 15 were declared to be major disasters by the President, while the remainder were declared to be emergencies.

What can you do to protect your vehicle in the event of a natural disaster? Comprehensive auto insurance exists to cover car damage costs stemming from something other than an accident or rollover.

Check out the video below for a helpful explanation of comprehensive car insurance and how it works.

If your car is damaged by floods, hail, or fire, for instance, your comprehensive coverage could be an invaluable addition to your policy.

Public Transit

The Broward County Transit bus system offers residents fixed-route express, community shuttles, buses, and paratransit services throughout the county. Broward County Transit bus routes in Coral Springs, Florida, include:

• Route 2
• Route 34
• Foute 42
• Route 62
• Route 83
• Route 88

Click here for a list of maps and schedules. Select bus passes including the 10-Ride, 7-Day, 31-Day Adult, 10-Ride Premium, and 31-Day Premium passes can be purchased online. If you wish to purchase a reduced-fare bus pass, you must do so at authorized vendors or the main bus terminal.

Adult fares for commuters aged 19 – 64 are as follows:

• One-Way Cash Fare — $2
• 3-Day Bus Pass — $12
• 7-Day Bus Pass — $20
• 10-Ride Bus Pass — $20
• All Day Pass — $5
• 31-Day Adult Bus Pass — $70
• Premium Express One-Way Cash Fare — $2.65
• Premium Express 10-Ride Bus Pass — $26.50
• Premium Express 31-Day Bus Pass — $95

Visit the BCT Fares page for additional information.

The South Florida Commuter Services program offers free assistance to commuting residents. The program exists to help commuters save money and time going to and from work, as well as help alleviate commuting issues. Programs include services such as transit trip planning, carpooling, and Emergency Ride Home options.

Visit the City of Coral Springs Transportation page to learn more.

Alternate Transportation

https://www.youtube.com/watch?v=zOMYOBBRtM8

Alternate transportation bike and scooter providers such as Lime or Bird unfortunately don’t service Coral Springs, Florida, yet. However, you can find them in other nearby cities like Fort Lauderdale.

Parking in Metro Areas

Coral Springs, Florida, has plenty of both free and paid garage and outdoor parking options, although it could be more difficult to find a spot during peak hours.

The city of Coral Springs currently has 58 public electric vehicle charging stations, both Level Two and Level Three within roughly nine miles. A total of 93 percent of the ports are Level Two stations, and 60 percent provide free electric vehicle charges.

Air Quality in Coral Springs

Your car is one of the multiple vital factors that contribute to air quality in your region. The first vehicles used to release very toxic fumes, which are a far cry from the stringently regulated vehicles of today. However, air pollution is still a viable issue.

Check out the video above to see how pollution could also spread to the inside of your vehicle. Next, take a look at the table below, which reveals air quality reports released by the Environmental Protection Agency for Broward County in 2016, 2017, and 2018.

You’ll be glad to learn that days with good air quality by far exceed the moderate ones, with absolutely zero unhealthy or very unhealthy days reported during the research period.

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Military/Veterans

If you are currently serving or previously served in the U.S. military, you could qualify for certain discounts for car insurance in Coral Springs, Florida.

Here’s the lowdown of military discounts in your city.

Veterans by Service Period

The city of Coral Springs, Florida, contains a significant population of military personnel who formerly served in the Vietnam War.

The number of Vietnam veterans in Coral Springs is 1.51 times greater than the resident veterans who served in any other conflict.

At the time of Data USA’s 2017 study, there were 1,522 Vietnam veterans, 1,010 veterans of the first Gulf War, and 873 veterans of the second Gulf War residing in Coral Springs.

Military Bases Within an Hour

Two military bases that are within an hour’s drive of Coral Springs are the U.S. Marine Corps Reserve Training Base, located in Hialeah, and the U.S. Army Reserve base in Fort Lauderdale.

Military Discounts by Provider

The following table indicates the top known insurers who offer discounts to former and active military personnel.

It’s important to note that not every insurer specifies how much consumers could save with their military discounts, which is why some carriers above have “N/A” listed instead of exact values. However, each of these companies provide military discounts, so ask your insurance agent for more information when deciding on your policy.

USAA Available in Florida

USAA coverage is reserved exclusively for U.S. military members and their families. The table above compares USAA’s rates to those of other top insurers in the market, along with the state average.

As a point of reference, the median cost of auto insurance in the state of Florida is $4,680.46. You likely already noted that USAA’s rates are cheaper than the other carriers listed, costing approximately 64.2 percent less than the state average.

Unique Coral Springs Laws

Don’t hit rubber to the road quite yet! Check out these laws that all drivers in Coral Springs and throughout The Sunshine State need to be aware of.

Hands-Free Driving Law

While Florida law classified distracted driving as a secondary offense up until July 2019, the law now categorizes texting and driving as a primary offense. Penalties for violating Florida’s new Texting While Driving Law include $30 in fines for first-time offenses and $60 for second-time offenses.

Food Trucks

Food trucks are considered Mobile Food Dispensing Vehicles or MFDVs in Florida, requiring operators to obtain a license from the Florida Divison of Hotels and Restaurants. Owners must also provide a complete business plan when submitting their application and licensing fees.

Broward County requires food truck owners to secure a local tax registration. Contact the City of Coral Springs for additional information regarding any local permit and zoning regulations.

Tiny Homes

As of early 2019, Broward County was still considering the use of granny flats (accessory dwelling units) as a possible solution to affordable housing issues throughout South Florida. ADUs are allowed in the county, but must not be more than 1,500 square feet and are required to have a minimum floor area of 400 square feet.

Parking Laws

Coral Springs parking laws permit passenger vehicles to park in residential lots only in a garage or legal driveway. Parking on a lawn in a residential area is not permitted. Visit the City of Coral Springs Code of Ordinances Parking Restrictions to learn more.

Coral Springs Car Insurance FAQs

Thinking about picking up sticks to relocate to Coral Springs, Florida? Here’s a quick Q&A that could answer some of your top burning questions about living in this city.

What are the best nearby attractions?

There’s no shortage of things to see and do in Coral Springs, Florida, for the whole family. Some of the best-known nearby attractions include the Fern Forest Nature Center, Coral Springs Parks and Recreation, and the Festival Flea Market Mall in Pompano Beach.

How much is the cost of living in Coral Springs?

Sperling’s Best Places measures the cost of living in different cities by a numerical index based around the U.S. median of 100. Cities with a cost of living below 100 are cheaper than the U.S. average, while cities above 100 are more expensive.

Sperling’s gave Coral Springs, Florida, an index of 138.4, which is notably higher than the national median. The average price of a home in the city of Coral Springs is $347,500.

What are the auto insurance requirements in Florida?

At a minimum, you must carry $10,000 personal injury protection coverage (PIP) and $10,000 property damage liability coverage to fulfill Florida’s financial responsibility laws.

What happens if I get into a car crash in Florida?

Florida is a no-fault state, which means that your PIP insurance will pay for your medical bills and other covered expenses stemming from a collision, regardless of fault. The law only permits you to go outside the at-fault system and pursue a claim against the other party if you meet specific catastrophic injury thresholds.

If I’m a high-risk driver and can’t get coverage, what are my options?

When you can’t secure coverage via the voluntary market, another option is Florida’s Automobile Joint Underwriting Association plan. If accepted into the program, you would be assigned an insurer from the pool of companies in the plan. Learn more here.

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