Best Car Insurance in Pompano Beach, Florida [The Complete Guide]

In 2014, the Insurance Research Council reported that roughly 13 percent of motorists nationwide were getting behind the wheel without car insurance. To break it down further, this means that approximately one out of every eight drivers is hitting the road uninsured.

What’s the point?

Well, consider this.

Say you’re driving along in Pompano Beach, Florida, minding your own business, when suddenly a driver pulls out in front you and a collision ensues. As a result of the crash, you not only incur property damage to your vehicle but suffer physical injuries as well.

In the state of Florida, all drivers are required to carry a minimum of $10,000 in personal injury protection (PIP) coverage and $10,000 property damage coverage. If you get into an accident and suffer either physical injuries and/or property damage, your auto insurance will pay for these losses.

And because Florida is a no-fault state, you can only pursue the responsible driver to recover financial damages if you meet certain injury thresholds. If the at-fault driver is uninsured, you’ll likely be looking to your own uninsured motorist policy to cover these damages.

It’s imperative to carry at least the minimum auto insurance coverage required under Florida state law to ensure you’re interests are protected in the event of a crash. In fact, it’s often recommended that you carry more than the state-mandated minimum.

Alright, now you understand the importance of purchasing auto insurance — but how do you go about finding the best coverage for all the drivers in your family?

Finding car insurance in Pompano Beach, Florida might feel like a stressful ordeal, but it doesn’t have to be. Our team understands how time-consuming the process of securing the right coverage can be, which is why we put together the following guide to auto insurance in Pompano Beach, Florida.

By the time you’ve finished this article, you’ll be equipped with all the knowledge you need to select the insurer that is best suited to your driving needs. From the cost of car insurance in Pompano Beach to the primary factors that affect annual premiums to traffic safety facts and more — we’ve got you covered.

Save yourself time and stress when you access your FREE quote for multiple insurers in your area in just a few minutes. Enter your zip code in our online rate tool now to get started.

Let’s dive right into car insurance in Pompano Beach, Florida.

The Cost of Car Insurance in Pompano Beach

The first factor you’ll likely consider when determining if an insurer is right for you is the cost of coverage.

We get it!

Finding the coverage you want in Pompano Beach, Florida at the rates you need is often no small feat. We’re here today to give you the lowdown on car insurance rates in your city based on factors such as your age, gender, where you live, your driving record, and more.

Let’s get down to business.

Male vs. Female vs. Age

You’ve probably heard it before — your age and gender are two major factors auto insurance companies take into account when deciding your rates.

According to a recent study conducted by Data USA, the median resident age in Pompano Beach, Florida is 42 years old.

What does this mean in terms of rates? The good news is that most residents in the city won’t have to worry about higher-than-usual auto insurance premiums.

Check out the table below, showing precisely how much your car insurance rates in Pompano Beach, Florida could fluctuate based on your age alone.

As you may have already noticed, teen drivers are charged considerably higher rates than the rest of the driving population. Likewise, 60-year old drivers, representing the most mature driver demographic listed, are charged the cheapest rates of all.

There’s a roughly $8,400 annual premium difference between what teen drivers and 60-year old motorists pay in Pompano Beach, Florida.

Besides your age, your gender is another critical component insurers will consider when assessing your rates for coverage.

In the city of Pompano Beach, Florida, male drivers pay roughly $6,109.15 for car insurance, while female drivers pay approximately $5,790.83. This means that male drivers are charged around $300 more annually in premiums than female drivers.

Next, take a close look at the table below, revealing how age and gender combined impact your annual auto insurance rates.

Besides just your age and gender, your marital status is another significant determining factor that will affect your annual premiums. Insurance companies generally see marriage as a sign of stability and conclude that married drivers are also more likely to be responsible drivers.

Naturally, the more stable and responsible a driver is, the less of a risk they pose to insure.

Cheapest Zip Codes in Pompano Beach

Did you know that your zip code could affect how much you pay for auto insurance each year in Pompano Beach, Florida?

The area you live in is another primary factor insurers consider, based on variants such as the rate of crime in your area or how vulnerable the region is to any natural disasters.

Check out the table below, revealing the cheapest zip codes for auto insurance rates in Pompano, Beach, Florida.

Remember, the average cost of auto insurance in Pompano Beach, Florida is $4,702.93. As you can see from the table above, the cheapest zip codes hover right around that average.

What’s the Best Car Insurance Company in Pompano Beach?

If you’re stressing out over how elements such as age and gender could make your rates skyrocket — that’s only one piece of the pie.

While these factors are significant, there are many other elements that go into your final premium amount.

Things like the length of your commute, the coverage levels you select, your credit history — all these components and others have the potential to either raise or lower your annual premiums.

Keep reading for a comprehensive breakdown of car insurance rates in Pompano Beach, Florida by all these factors and more.

Cheapest Car Insurance Rates by Company

Check out the table below, illustrating the cheapest car insurance rates broken down by carrier. Is your current insurer included on this list?

As you may have already noticed, each carrier has its own method of assessing rates, with some insurers charging particular consumer demographics noticeably higher rates than the competition.

Let’s look at a few examples.

For starters, compare the rates two top carriers like Allstate and Nationwide charge 17-year-old male drivers. Allstate charges teen drivers roughly $10,000 more per year than Nationwide — for the exact same age and driver demographic!

Along the same lines, it’s also interesting to note the rate gap the same carrier charges different driver demographics.

If you look at the rates listed for Allstate again, you’ll see that that married, 35-year-old female drivers pay around $800 more annually for coverage than married, 60-year-old female motorists.

In the case of USAA, the carrier with the cheapest average annual rates of all the carriers listed, you’ll see that single, 17-year-old male drivers pay about $6,500 more in annual premiums than married, 60-year old male drivers do.

The lesson to be learned here is that the carrier you pick is just as notable a factor in the rates you’ll pay as your age gender or marital status.

As such, when searching for coverage, pick your insurer based on the rates they charge to your specific driver demographics, rather than basing your decision on the company’s average rate only. 

Best Car Insurance for Commute Rates

In a study released by the Federal Highway Administration in 2016, it was revealed that Florida residents drove an average of 14,465 miles in that year alone. Believe it or not, your commute is could be another major determinant of your annual premiums.

With that said, some car insurance carriers in Pompano Beach, Florida will charge you higher rates if you have a longer commute, while others will assess the exact same rates regardless.

As you’ll note from the data our researchers gathered listed above, companies like Nationwide and Progressive charge motorists the same rates, whether they have a 10-mile or 25-mile commute to work each day.

Then, you have carriers such as Allstate and Liberty Mutual. On average, Allstate charges drivers with 25-mile commutes roughly $550 more per year for coverage than they do drivers with only a 10-mile daily commute.

In the case of Liberty Mutual, they charge drivers with longer commutes about $500 more per year.

Best Car Insurance for Coverage Level Rates

Whether you opt for high, medium, or low levels of coverage will also impact how much you pay for auto insurance in Pompano Beach, Florida.

Higher levels of coverage mean a greater risk for the insurer if you get into a collision or incur another covered loss. So, it’s not surprising that you could face a steeper auto insurance bill if you opt for high over low coverage.

The table below shows the average annual rates the top insurers charge Pompano Beach, Florida residents based on whether they opt for high vs. medium vs. low coverage.

While every carrier listed will charge you higher rates for higher levels of coverage, the gap in premiums is much more significant with some insurers than others.

Let’s dig into a few examples.

Allstate charges insureds who opt for high over low levels of coverage roughly $4,400 more per year in annual premiums. That translates to roughly an additional $370 a month on your auto insurance bill.

On the other side of the spectrum is a carrier like Liberty Mutual, who charges just around $1,200 more a year if you pick high vs. low coverage levels for your policy. That’s about $100 more on your monthly bill.

Best Car Insurance for Credit History Rates

Like it or not, your credit history doesn’t just affect your ability to rent an apartment or secure a mortgage. Your credit score will also impact how much you pay for car insurance. 

While a handful of states bar insurers from using consumer credit history as a factor when assessing rates, Florida is not one of them.

Watch the video above for a quick and helpful explanation of how your credit affects how much you pay for insurance. Next, check out the table below to see what your current credit history could mean for your next insurance policy.

Once again, each company has its own method of using certain insurance factors to assess consumer rates.

Allstate charges consumers with poor credit roughly $7,000 more in annual rates than drivers with good credit. Liberty Mutual’s average rates for motorists with poor credit are approximately $4,000 more than for insureds who have good credit.

Then, you have a carrier like State Farm, that charges consumers with poor credit about $3,200 more annually than insureds with good credit. The moral of the story here is that having bad credit doesn’t always spell disaster for your insurance premiums.

In the short term, it is highly likely that you’ll pay more for auto insurance if you have a less than stellar credit history. In the meantime, however, it’s never too late to start improving your credit habits to increase the likelihood that you’ll secure better coverage down the line.

Even small changes can make a difference — and it’s well worth it. By paying your monthly bill on time, whittling down any debt, and committing to never spending more than you can reasonably pay off in a given month, you could improve your credit score by the time your next policy renewal is up.

When you consider the fact that poor credit usage could literally cost you thousands of dollars more in annual premiums, the incentive is even greater.

Best Car Insurance for Driving Record Rates

At this point, it’s probably not a huge shocker that your driving record can and will substantially impact your auto insurance rates in Pompano Beach, Florida. The question is — by how much?

Check out the table below to see for yourself the difference in the rates you can expect to pay based on whether you have a clean driving history, one speeding violation, one accident, or one DUI on your record.

Looking at the top insurers again, you can see that some carriers will penalize you for having certain violations on your record more than others.

For instance, Allstate charges consumers with one DUI on their record roughly $3,000 more a year than they do drivers with a clean driving history. However, they’ll only raise your rates by about $1,700 a year if you get into an accident.

Progressive is another interesting example to look at. You’ll notice that they charge drivers with one DUI on their record about $1,300 more a year than motorists with a clean record. Actually, Progressive charges drivers with one accident on their record the highest rates of all.

If you are insured by Progressive with a clean record, and get into one accident, the data shows that you could expect your rates to go up by roughly $2,500 a year.

Broken down in terms of your monthly bill, that’s about an extra $200 each month — for one accident.

Car Insurance Factors in Pompano Beach

Now that you have a more thorough understanding of the chief factors that affect how much you have to fork over for car insurance in Pompano Beach, Florida, it’s time to look at some additional elements that affect coverage costs.

Components such as your household income, your homeownership status, and even your occupation could come into play when an insurer assesses your annual rates.

Let’s dig deeper.

Median Household Income

The infographic above from Data USA’s most up-to-date 2017 study indicates the median household income for Pompano Beach, Florida workers as compared to residents of neighboring areas.

In 2017, the median household income in Pompano Beach, Florida was $44,756. This represented a 4.96 percent income growth from 2016, when the average residents’ income was $42,641.

>As mentioned previously, the average annual cost of car insurance in Pompano Beach, Florida is $4,702.93.

This means that residents are paying roughly 10.5 percent out of their annual income to cover the costs of premiums alone.

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Homeownership in Pompano Beach

In 2017, Data USA reported that approximately 52.8 percent of homes in Pompano Beach, Florida were owner-occupied. This figure actually showed a decrease in homeownership from the year prior, when the rate of owner-occupation rested squarely at 54.5 percent.

The percentage of housing units occupied by their owner in Pompano Beach, Florida is also less than the national median of 63.9 percent.

The infographic above indicates owner-occupation in Pompano Beach, Florida (represented by the orange bar), as compared to neighboring regions.

Whether or not you own a home is a component that auto insurance companies frequently consider when determining your rates. Why would your homeownership status affect your rates?

The primary reason is this — homeownership is a hallmark of responsibility and balance to any insurer. It indicates that the person is in a stable place in their life. Therefore, insurers surmise that the individual is also more likely to adhere to safe and responsible driving habits.

The more secure and stable a potential insured is, the lesser the degree of risk they pose. Also, since homeowners have to meet their monthly mortgage payment obligations, insurers also conclude they’ll be more likely to pay their car insurance bill too.

Check out the infographic below, indicating the median property value of homes in Pompano Beach, Florida as of 2017.

The visualization above indicates Pompano Beach with the orange line, and the remaining lines serve as a comparison of the average home values in neighboring areas.

In their 2017 study, Data USA reported that the median property value in Pompano Beach, Florida was $178,100. This represented a notable increase from 2016, when the average property was valued at $165,300.

In Pompano Beach, Florida, the most substantial share of properties are valued between $300,000 and $400,000.

Education in Pompano Beach

In 2016, higher education institutions in Pompano Beach, Florida conferred 344 degrees upon graduates.

The student population in the city is largely geared towards female students, with just 65 male students compared to 333 female students.

The largest universities in the city of Pompano Beach, Florida in terms of the number of degrees conferred that year were:

• Everest University-Pompano Beach — 293 degrees conferred
• Beauty Anatomy Institute of Cosmetology and Wellness — 36 degrees conferred
• Hope College of Arts and Sciences — 13 degrees conferred

The most popular majors that students chose were:

• Securities Services Management — 57 degrees conferred
• General Business Administration and Management — 38 degrees conferred
• Medical Assistant — 37 degrees conferred

The infographic below provides a helpful visualization of the percentage of students in Pompano Beach, Florida who earned their postsecondary certificate in 2016, according to their chosen concentration.

Other colleges and universities within close proximity to downtown Pompano Beach, Florida include:

• City College-Fort Lauderdale
• Keiser University-Fort Lauderdale
• Broward College
• University of Fort Lauderdale

Wage by Race and Ethnicity in Common Jobs

In 2017, Data USA released a study revealing that the highest-paid ethnic group in Pompano Beach, Florida was Asian workers. Asian individuals were paid 1.08 times more than the second-highest-paid ethnic group, Alaska Natives.

Check out the table below, indicating the average wage for the common job role Miscellaneous Manager, as compared to the percentage of workers’ incomes being taken out for auto insurance.

You’ll notice how widely the percentage of workers’ incomes going to car insurance can vary based on their ethnic group alone.

For example, while the highest-earning demographic (Asian workers) pay just five percent out of their annual income to cover auto insurance costs, American Indian workers pay over seven percent of their earnings.

Wage by Gender in Common Jobs

The infographic above from Data USA illustrates the fact that the gender wage gap is still alive and well in Pompano Beach, Florida. In 2017, full-time male workers earned 1.34 times more than their female counterparts. 

That year, male workers in Pompano Beach, Florida earned around $58,931, while female workers brought home just $44,078 in 2017. That’s more than a $14,000 wage gap!

On top of that, when you consider that the average cost of car insurance in Pompano Beach, Florida is $4,702.93, you’ll see that male workers are paying just eight percent of their income to cover premium costs, while women are paying upwards of 11 percent.

Poverty by Age and Gender

Age and gender demographics don’t only show unique trends for auto insurance rates and the wage gap — they also have individual trends pertaining to poverty levels.

The visualization above from Data USA reveals that the largest demographic living under the poverty line in Pompano Beach, Florida is females between the ages of 25 and 34. At the time of Data USA’s 2017 study, 21.1 percent of the local population for whom poverty status was assessed were living under the poverty line, for a sizeable 21,900 out of 104,000 individuals.

The second and third largest demographics living under the poverty line in Pompano Beach, Florida are males between the ages of 45 and 54 and males between the ages of 55 and 64, respectively.

Poverty by Race and Ethnicity

The graph above indicates the poverty trends in Pompano Beach, Florida based solely on race and ethnicity. Data USA reported that White individuals were the largest ethnic group living in poverty, followed by Black and Hispanic residents.

In 2017, there were 11,221 White residents living in poverty in Pompano Beach, Florida while 9,573 Black individuals were living below the poverty line.

There were 5,530 Hispanic residents living in poverty at the time of Data USA’s study.

Employment by Occupations

In the period between 2016 and 2017, Data USA reported that employment in the city of Pompano Beach, Florida grew at a healthy rate of 2.04 percent. The number of workers increased from 46,600 workers in 2016 to 47,500 workers in 2017.

The most common job groups based on the number of residents in Pompano Beach, Florida are:

• Office and Administrative Support Occupations — 6,420 individuals
• Sales and Related Occupations — 6,174 individuals
• Construction and Extraction Occupations —  4,341 individuals

The highest paid jobs held by workers in Pompano Beach, Florida are illustrated in the graph below. Legal ($75,859), Computer and Mathematical ($73,837), and Computer, Engineering, and Science ($71,344) positions were the three highest-paid job roles of all occupations.

The graph below illustrates the most common jobs held by Pompano Beach, Florida residents based on the number of workers.

In comparison with other locations, Data USA reported that Pompano Beach, Florida has an unusually higher number of workers occupied in Building, Grounds Cleaning, and Maintenance Occupations, Construction and Extraction Occupations, and Food Preparation and Serving Related Occupations.

The number of Building, Grounds Cleaning, and Maintenance workers was 2.11 times higher than anticipated, while the number of Construction and Extraction Occupations was 1.84 times higher than expected.

Finally, the number of workers employed in Food Preparation and Serving Related Occupations was 1.45 times higher than anticipated.

Driving in Pompano Beach

While Pompano Beach may not be the largest city along the Florida coastline, its location in Broward County and close proximity to nearby Fort Lauderdale means residents are no stranger to lengthy traffic times.

Keep reading for the driving routes, traffic statistics, safety data, and so much more that you need to know before you hit rubber to the road again in Pompano Beach, Florida.

Roads in Pompano Beach

From major highways to fabulous road trip ideas to road conditions — here’s the skinny about driving in and around Pompano Beach, Florida.

Major Highways

The Sunshine State has four total primary interstate highways and eight auxiliary highways stretching across it, comprising 1,497.58 highway miles. These Florida interstates include:

• 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

I-95 runs directly through Pompano Beach. Another major thoroughfare that frequently impacts Pompano Beach, Florida commuters is Florida’s Turnpike, which is the state’s major network of toll roads.

https://www.youtube.com/watch?v=AotU0pz0Zaw

The  Pompano Beach Service Plaza is one of a number of full-service plazas located along the Turnpike, and also houses the Florida Turnpike’s Operations Center.

Florida’s Turnpike consists of 461 roadway miles spread across the state, operated by Florida’s Turnpike Enterprise under the authority of the Florida Department of Transporation.

The cost of operating your vehicle on the toll road depends on the number of vehicle axles and the mileage involved. Check out the toll calculator Florida’s Turnpike provides here.

Drivers can opt to pay toll costs with cash or via the prepaid SunPass. Residents who purchase a SunPass will receive discounts on tolls totaling roughly 25 percent. You can also pay through Toll-By-Plate, which implements all-electronic tolling. With this option, you would receive a monthly toll bill in the mail and incur a $2.50 service charge.

There are two different types of transponders available for your SunPass. The first type is called the SunPass Portable, costing $19.99 exclusive of tax. You can mount the SunPass Portable to your windshield via suction cups and move it between vehicles as you need to.

The second choice is the SunPass Mini Sticker, costing $4.99 exclusive of tax. While this is the cheaper option, it is also a permanent sticker which means you can only use it on one vehicle.

Both passes require you top them up with a minimum $10 balance to activate your account. Purchase your SunPass through the SunPass website, at authorized retailers, by mail, or via fax as you prefer.

Check out the SunPass website for additional information!

Popular Road Trips/Sites

There’s certainly no shortage of things to see and do both in and around Pompano Beach, Florida. Beautifully situated on the Atlantic Ocean with stunning beaches and gorgeous views, you certainly won’t get bored playing tourist in your city!

With Fort Lauderdale just about a 20-minute drive away and Miami located just under an hour away, Pompano Beach is perfectly positioned for residents to enjoy the best of the best in South Florida.

Check out the video above for a first-hand look at the road trip from Fort Lauderdale to Palm Beach, then watch the video below for a ton of fun ideas for the whole family to do on your next stay-cation.

Check out the following list of some fun-filled ideas to get your creative juices flowing for your next day trip, road trip, or family vacation!

• Easy Day Trips — Since Pompano Beach is so close to Fort Lauderdale, you won’t want to miss this list of the 15 Best Day Trips from Fort Lauderdale. From Biscayne Bay to the Florida Keys, you’ll run out of weekends before you run out of things to do and see!
• Road Trips for Every Traveler — This incredible list of seven weekend Florida road trips has something for everyone, from the history buff to the nature lover to the foodie.
• Weekend and Week-Long Getaways — If you can’t decide what to do for your next weekend getaway or vacation, this Epic Florida Road Trip Guide for 2019 will have you packing your bags and ready to go in no time.
• The Chocolate Road Trip — You heard that right. Your sweet tooth will be itching for more on this super sweet road trip taking you to the best Old School Chocolate Shops the state has to offer.

Road Conditions

The City of Pompano Beach’s website details the numerous projects in the works over the next few years. Back in spring of 2018, the City Commission approved the G.O. project prioritization list, including a variety of improvements to be made both to buildings in the city and specific roadways.

Phase I projects have a target completion date of Fall 2021, while Phase II projects are estimated to be completed by Fall 2024. Projects include improvements to A1A and the Dixie Highway.

Visit the city’s project page for ongoing updates.

Does Your City Use Speeding or Red Light Cameras?

Florida law permits cities to implement red-light cameras statewide. According to the Insurance Institute for Highway Safety (IIHS), there are no ordinances or state laws in place at this time regarding speeding cameras. Violating a red light will result in fines of $158, but no points on the motorist’s record.

Vehicles in Pompano Beach

Are you curious to discover what trends your city shows for vehicle ownership, theft rates, and more?

Keep on reading.

How Many Cars Per Household?

The chart above from Data USA reveals the car ownership stats for Pompano Beach, Florida residents. The lion’s share of households in the city has two cars each, which the second largest share having one vehicle each.

Households Without a Car

While most individuals residing in Pompano Beach, Florida have at least two vehicles, some households don’t own a car at all. The table below reveals the data our researchers gathered from 2015 and 2016, indicating the households that rely on other modes of transportation.

As you can see, the percentage of households without vehicles went down between 2015 and 2016. Surprisingly, the number of vehicles per household also decreased ever so slightly.

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Speed Traps in Your City

If you’ve ever whizzed by a cove or cluster of trees, only for a police officer to appear seemingly out of the blue and start pursuing you — you’ve encountered a speed trap. A speed trap is when law enforcement officers conceal their parked patrol vehicle and track drivers’ speeds with radar guns.

The idea behind speed traps is to deter unsafe driving habits. Of course, there’s also the potential to bring in considerable income for a city as well.

Luckily, Pompano Beach, Florida didn’t make it to the list of the 10 worst Florida speed trap cities. With that said, in the interest of safety and to avoid a potential citation, it’s always best to stick to the posted speed limit and drive defensively to ensure you don’t find yourself victim to a speed trap.

Vehicle Theft in Pompano Beach

In 2016, the FBI released its Crime in the United States Study, in which it reported 564 motor vehicle thefts that year in Pompano Beach, Florida alone. The following year in 2017, Neighborhood Scout released a study reporting a total of 811 motor vehicle thefts, which was a noticeable jump from the year prior.

The safest neighborhoods in Pompano Beach, Florida, according to data released by Neighborhood Scout, are as follows:

• Terra Mar
• N Ocean Blvd/NE 10th St
• Oaks Dr/W Palm Aire Dr
• N Riverside Dr/NE 14th St
• N Ocean Blvd/N Riverside Dr
• Cypress Harbor/Cypress Isles Estates
• Sanders Par
• Sw 3rd St/S Pompano Pky
• Pompano Beach Highlands
• Country Club Isles/Harbor Village

The map above reveals some of the most dangerous neighborhoods in Pompano Beach. Neighborhood Scout has stated that your chances of becoming a victim of violent crime in Pompano Beach are 8.71 per 1,000 residents or one per 115 people.

This figure is substantially higher than the statewide median, which gives you a 4.08 chance per 1,000 individuals or one out of 245 people chance of becoming a victim of violent crime.

Pompano Beach, Florida ranks number three on Neighborhood Scout’s crime index, with 100 being the safest. As it stands now, Pompano Beach is only safer than a mere three percent of U.S. cities.

The table below indicates the number of violent crimes in Pompano Beach, Florida in 2017 alone.

This table shows Pompano Beach’s annual number of crimes, also in 2017.

Traffic

Don’t spend time stuck in traffic again without knowing these key transportation and driving statistics for your city.

Transportation

Data USA revealed in 2017 that the average worker in Pompano Beach, Florida has a shorter commute than the average U.S. worker. Workers in Pompano Beach commute just 24.2 minutes to work a day, while the average U.S. worker has a 25.1-minute commute.

Only 2.2 percent of the workforce in the city of Pompano Beach has super commutes extending longer than 90 minutes.

Data USA also reported in their 2017 study that the most common travel method for workers was Drove Alone. This was followed next in line by people who Carpooled and individuals who Worked At Home.

Approximately 73.2 percent of workers reported that they Drove Alone to the office, while just 11.9 percent Carpooled and 4.61 percent worked from their home office.

How Safe Are Pompano Beach Streets and Roads?

The tables below indicate the crash fatalities in Broward County as of 2017, gleaned from the National Highway Traffic Administration (NHTSA) report released that year.

The following table reveals the total fatal crashes that took place in 2017 in Broward County alone.

The next table indicates road fatalities by different types of crashes and person deaths.

The table below shows the NHTSA’s most recent data regarding the highways in Florida with the highest incidence of fatal crashes.

Arterial roads are high-capacity urban roads. Based on the level of traffic flowing through any given region, the arterial could be classified either as a highway or minor arterial road.

The highest number of fatal crashes in Florida occur on “Other” and “Unknown” roads. While you might feel safer driving on back roads, these areas off the beaten path could pose a greater danger to motorists than driving on the highway would.

The U.S. Department of Transportation released a report detailing information on Pompano Beach, Florida’s fatalities and injuries stemming from highway and railroad accidents in recent years. Check out the data for yourself in the table below.

Some of the highest incidences of crashes appear to occur on NW 36 St., Atlantic Blvd, and Copans Rd., so exert additional caution when driving on these roadways.

Ridesharing

If you’d rather utilize ridesharing services to get to the beach, head out with friends, or any other purpose, you’re in luck! Check out the various rideshare options available to Pompano Beach, Florida residents currently, listed in order from the least to the most expensive:

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

EStar Repair Shops

Whether you were recently involved in a collision or just need some basic maintenance done, EStar repair shops could prove to be a lifesaver. Sponsored by the insurance company Esurance, EStar exists to help you locate the best repair shops near you.

Take a look at the table below, indicating the top 10 EStar repair shops in the Pompano Beach, Florida area.

Weather

Florida’s weather is nothing short of legendary, as snowbirds and beach lovers from all over the world come to the Sunshine State to catch a few days or a few months of year-round warmth. U.S. Climate Data reported the following weather averages for Pompano Beach, Florida:

• Annual high temperature — 84.6 F
• Annual low temperature — 6.6 F
• Average temperature — 76.1 F
• Average annual precipitation — 57.33 inches

Speaking of weather, Broward County has experienced its fair share of natural disasters, with a total of 24 as opposed to the nationwide average of 13. Of these 24 natural disasters, 15 were Presidentially declared and the rest were declared emergencies.

With such a notable number of natural disasters, you’ll likely want to consider comprehensive auto insurance when structuring your policy. Comprehensive coverage pays for vehicle damage costs arising from something other than an accident or rollover.

If your car is damaged by hail, fire, or a flood, for instance, your comprehensive coverage could literally save the day.

Public Transit

The Broward County Transit (BCT) provides express, fixed-route bus, paratransit, and community shuttles to residents throughout Broward County, including those in Pompano Beach. One of the BCT’s four transfer terminals is located in Pompano Beach at the Northeast Transit Center.

You can order your BCT pass online, except for the All-Day bus pass, as this type of bus can only be purchased once aboard. Other pass options include the 10-Ride, 7-Day, 31-Day Adult, 10-Ride Premiums, and 31-Day Premium passes.

Click here for BCT maps and schedules.

Alternate Transportation

If you’d rather rent a scooter or bike to go to the beach, meet a friend, or just enjoy the beauty of your city, the bad news is that companies like Lime and Bird don’t currently service Pompano Beach.

The silver lining? Both companies operate in Fort Lauderdale which is a hop, skip, and a jump away. So, if you find yourself in Fort Lauderdale and don’t feel like driving around all day, why not rent a bike or scooter to get those endorphins pumping?

Parking in Metro Areas

Locals can purchase residential parking permits or Oceanside lot parking passes to enjoy easy, premium parking in their area of choice. There are other locations with free garage and street parking around the city, but naturally, these might fill up quickly during peak daytime, evening, and weekend hours.

In the Pompano Beach area, there are 187 different public charging stations for electric vehicles, including Level Two and Level Three charging ports. Roughly 88 percent are Level Two ports and 41 percent offer free charges.

Air Quality in Pompano Beach

Your car is one of many contributing factors that affect the air quality in your city. The table below illustrates air quality in Broward County based on the 2016, 2017, and 2018 reports issued by the Environmental Protection Agency (EPA).

You’ll notice that the Good Days for AQI substantially overshadowed the bad, with zero Unhealthy or Very Unhealthy Days reported during that entire period.

Military/Veterans

If you or a family member is a former or active member of the military, you could be eligible for insurer discounts for coverage in Pompano Beach, Florida.

Keep reading on for a total breakdown of the top military discounts you could be eligible to include on your next policy.

Veterans by Service Period

The largest population of former military members in Pompano Beach, Florida who served in a conflict are veterans of the Vietnam War. Former military personnel who served in Vietnam comprise a group of veterans that is 2.09 times greater than the rest of the veteran populace.

As of Data USA’s last study, 1,766 Vietnam veterans resided in Pompano Beach, Florida, with the second and third most common service periods being World War II and Korea, respectively.

Military Bases Within an Hour

Florida has it’s fair share of military bases, with a few located within easy driving distance of Pompano Beach. These include:

• The U.S. Marine Corps Reserve Training Base in Hialeah
• The U.S. Army Reserve in Fort Lauderdale

Military Discounts by Provider

The table below indicates the top known auto insurance companies in Pompano Beach, Florida that provide military discounts to former and currently serving military personnel. Most carriers will offer some type of discount to thank members of the military for their past or current service.

Not every carrier will release precisely how much you can save with their discounts, or even the full range of discounts offered. Be sure to speak with your agent in detail when structuring your policy to make sure you don’t miss out on any discounts for which you would otherwise be eligible.

USAA Available in Florida

USAA coverage is reserved for former and current U.S. military members and their families. Check out the table below, indicating the rates that USAA charges compared to their competition and the state average.

The median cost of auto insurance in the state of Florida is $4,680.46. If you examine the data here closely, you’ll see that USAA’s rates are by far the lowest when compared to the competition. In fact, USAA costs over 64 percent less than the state average!

Unique Pompano Beach Laws

Before we send you on your way, hold off on grabbing those car keys until you have a look at these unique laws in Pompano Beach, Florida.

Hands-Free Driving Law

Florida recently passed updated legislation changing distracted driving from a secondary offense to a primary offense. The law went into effect July 1, 2019, and carries with it a $30 fine for first-time violations.

A second offense could raise the bill to $60, not including any court costs or attorney’s fees.

Food Trucks

Food trucks fall into the category of Mobile Food Dispensing Units in the state of Florida or MFDVs. You must obtain an MFDV license from the Florida Division of Hotels and Restaurants if you decide to establish a food truck business.

You would also need to include a complete business plan with your application form and licensing costs. Broward County further mandates that you secure a local business tax registration.

Depending on the situation, you may also have to meet other documentation requirements such as local zoning permits and any other paperwork mandated by the city of Pompano Beach, Florida.

Tiny Homes

As of early 2019, Broward County was assessing whether or not tiny homes or accessory dwelling units  (a.k.a. granny flats) could be best used as an ideal solution to the affordable housing crisis.

Pompano Beach Zoning Code § 155.4303 states the districts where ADU’s are permitted. Contact the Planning and Zoning Committee at the City of Pompano here for more information.

Parking Laws

Things like parking the wrong way in Florida will almost certainly result in a ticket. Moving in and out of a parking spot the wrong way means you’ll have to face oncoming traffic.

This could spell disaster, not only for you but other innocent motorists on the road. Rather than risking a ticket, fines, and possibly court costs and attorney’s fees, opt instead to buy a local parking pass. You could also utilize one of the free parking garages or street parking areas Pompano Beach, Florida has to offer.

Pompano Beach Car Insurance FAQs

Still have a few unanswered questions about auto insurance in Pompano Beach, Florida? Check out our quick and dirty FAQ list below!

What languages should I know?

According to Data USA, the most common foreign languages spoken in Pompano Beach, Florida are Spanish Creole or Spanish. At the time of Data USA’s 2017 study, there were 16,147 Spanish Creole or Spanish speakers.

The second and third most widely spoken foreign languages are French Creole and Portuguese or Portuguese Creole.

How much does it cost to live in Pompano Beach?

Sperling’s Best Places measured the cost of living in cities throughout the nation based on a numerical system. Cities rated with indices below 100 are less expensive than the national average, while locales awarded an indicator over 100 are more expensive.

Sperlings rated the cost of living in Pompano Beach, Florida at 114, which is notably over the national median amount. The median price of a home in Pompano Beach is $224,200.

What auto insurance do I have to carry?

Florida drivers have to carry at least $10,000 PIP and $10,000 property damage liability coverage at all times in order to register and operate their vehicle in the state.

What if I get into an auto accident in Pompano Beach?

Florida is a no-fault state, which means your coverage will pay for any damages you incur, regardless of where the fault for the accident lies. You will need to file a claim with our PIP carrier to receive compensation and you will only be permitted to supersede the no-fault guidelines to pursue the offending driver if you meet very specific injury thresholds.

What are my options for coverage if I’ve been classified as a high-risk driver?

If you can’t secure coverage through the voluntary market, Florida’s Automobile Joint Underwriting Association Plan (FAJUA) could be for you! FAJUA would match you with an insurer for high-risk coverage. Bear in mind, the cost of coverage through FAJUA is typically higher than what you would otherwise pay.

However, by going through FAJUA, you’ll be able to meet the state-mandated minimums for coverage. Plus, you’ll have time to work on your driving record so hopefully, you can secure more affordable rates through the voluntary market down the line. Visit FAJUA’s website for additional information.

Now that we’ve come to the end of our guide on driving and living in Pompano Beach, Florida, you’re ready to put your newfound knowledge to use and hit the ground running.

Stop stressing and start saving when you comparison shop right now for multiple Pompano Beach, Florida insurance carriers with our FREE rate tool. Enter your zip code below to get started.