Car Insurance in Hollywood, Florida [The Complete Guide]

Sometimes, life gets so crazy that you barely find time to breathe. With everything you have on your plate, finding the right car insurance for every driver in your family might be the last priority on your list. However, finding Hollywood, FL car insurance quotes that offer coverages you want at rates you need doesn’t have to make a significant dent in your already tight schedule.

In fact, finding car insurance companies in Broward County, FL is faster and easier than ever before. To save you time and trouble, we conducted extensive research and put together a guide to car insurance in Hollywood, Florida car insurance. From Broward insurance agencies costs to road conditions to current laws governing Florida motorists, it’s all here.

Ready to save big on car insurance providers in your state? Start your savings journey today when you comparison shop with our FREE online rate calculator. Just enter your ZIP above to find out who really has the cheapest car insurance in Hollywood, Florida.

The Cost of Car Insurance in Hollywood

The very first factor most people consider when hunting for car insurance is the cost of coverage. The following breakdown of Hollywood, Florida discount car insurance rates is based on age, gender, ZIP code, driving record, and other key components. It’s important to understand the impact these factors can have when selecting your policy.

Age and Gender

Most drivers know that factors like age and gender are two of the primary components insurers use when determining consumer rates. What does the data show for your state?

This video tells you more about factors that affect your car insurance rates.

Based on stats provided in a recent study by Data USA, the median age in Hollywood, Florida is 42.1 years of age. This means that a majority of motorists in the city needn’t be concerned about skyrocketing car insurance rates.

The following table shows the average annual rates that car insurance providers charge in Hollywood, Florida based on age alone.

As you might have already noticed, the highest rates of all are charged to teen drivers. Generally, average annual rates level out significantly the older the motorist is.

60-year-old drivers are charged the cheapest rates of all at approximately $3,756.85, while 17-year-old motorists are charged an astounding $12,399.43. That’s an nearly $8,600 rate difference between these two age demographics.

Gender is another huge component that insurers take into account when assessing coverage rates. In Hollywood, FL, male drivers are charged approximately $6,244.47 in annual rates, while female drivers pay approximately $5,924.75 per year in policy rates. This means that male drivers pay around $320 more annually for coverage than female motorists.

Marital status may also potentially affect your coverage rates. Insurers often view married drivers as more stable and responsible, and therefore practice safer habits behind the wheel. This makes them less of a risk to insure.

The table below indicates how age and gender, along with a driver’s marital status, affect average car insurance rates in Hollywood, Florida.

If you’re feeling discouraged by these stats, don’t worry. Age, gender, and marital status do play a role in the decision-making process when carriers assess your rates, but these are not the only factors that insurers consider. Let’s take a closer look at the role your zip code may play in determining your rates.

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Cheapest ZIP Codes in Hollywood

The cost of car insurance coverage in Hollywood could vary based on factors like high crime or natural disasters in your area. Florida car insurance rates by county reflect that the counties with higher levels of risk have higher insurance rates.

The table below shows the cheapest Hollywood, Florida car insurance rates by ZIP code.

There’s a nearly $340 difference in rates between the most and least expensive zip code listed here. Seeing as there are only approximately 149,750 residents in the city of Hollywood, this is important to consider.

What’s the best car insurance company in Hollywood?

Finding the best Florida car insurance coverage can be challenging.  While factors such as age, gender, marital status, and zip code will affect your car insurance rates in Hollywood, it is important to recognize that not all insurers determine rates the exact same way.

What are companies that sell car insurance in Florida? In order to understand the big picture, you have to look at the best companies as a whole. It is key to assess which insurers offer the best rates and which carriers charge steeper rates based on factors such as your chosen coverage level, credit history, and driving record.

To save you time and trouble, our researchers gathered the data with all this information and more, including the cheapest rates by company, rates based on your commute, rates based on your coverage level, and more.

Cheapest Car Insurance Rates by Company

Who has the cheapest car insurance in Florida? The table we have here indicates the companies with low-cost car insurance Hollywood, Florida based on age and gender.

As you can see, USAA charges the cheapest average rates when compared to other insurers, while Allstate charges the highest.

Take the teen driver rates, for example. Allstate charges single, 17-year-old male drivers approximately $22,744.19 annually, while USAA charges 17-year-old male drivers around $9,401.80 per year. That’s more than a $13,000 rate difference between those two carriers for the exact same age and gender demographic.

Liberty Mutual car insurance in Florida charges more equitable rates across the board except for three demographics: 17-year-old male drivers, 17-year-old female drivers, and 25-year-old males.

Pay close attention to the rates for Broward auto insurance companies. See if they charge based on your demographic, rather than looking at the cheapest rates overall.

Best Car Insurance for Commute Rates

According to the Federal Highway Administration‘s 2014 Licensed Drivers By State report, Floridians drove an average of 14,465 miles in state. The following table indicates the average annual rates that Hollywood, Florida insurers charge based on commute.

As you can see, some carriers charge consumers significantly higher rates based on the length of their commute. For example, Allstate charges individuals with 25-mile commutes approximately $560 more in annual rates than drivers with 10-mile commutes. However, Nationwide and Progressive charge consumers the exact same rates for both 10- and 25-mile commutes.

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Best Car Insurance for Coverage Level Rates

Each state has different requirements for car insurance. According to NOLO, Florida requires you to carry $10,000 in personal injury and $10,000 in property damage coverages. This doesn’t mean that minimum coverage is enough, however. Did you know that the coverage levels you pick for your insurance policy in Hollywood could dramatically increase or decrease your annual rates?

As you can see in this table, Allstate charges consumers with high coverage levels over $4,000 more in average annual rates than they do individuals with low levels of coverage. On the other hand, USAA has a narrower gap between coverage levels, but they still charge drivers with high coverage about $1,100 more per year than individuals with low coverage levels.

The data shows that car insurance companies in Hollywood, Florida do tend to assess higher rates based on coverage level, although the premium difference is more extreme in some cases. However, higher levels of coverage can mean increased protection for all drivers in your family, so it’s key to weigh your coverage needs against cost factors.

With a carrier like Allstate, higher vs. lower coverage levels could mean roughly an additional $330 tacked on your car insurance bill each month. In the case of USAA, however, you’d only notice about a $92 increase per month. Higher policy levels could come at a steeper cost, but it is possible to purchase increased coverage without breaking the bank.

Best Car Insurance for Credit History Rates

Many car insurance carriers can and will use your credit history as a determining factor when evaluating your annual rates. While some states don’t allow this practice, it is legal to do so in Florida.

This video further explains how your credit score might affect your car insurance.

Let’s see how your credit score could affect your car insurance rates in Hollywood, Florida.

As you can see, most car insurance carriers in Hollywood, Florida, charge customers with poor credit significantly higher annual rates than customers with good credit.

With some carriers, the rate difference may be astronomical. For instance, Allstate charges insureds with poor credit about $7,000 more in annual rates than they do individuals with good credit. If you live in Hollywood, it would be wise to check your credit score before shopping for coverage.

Best Car Insurance for Driving Record Rates

The table below reveals exactly how much your insurance rates in Hollywood, FL could change based on your driving record alone.

Just one DUI on your record could make your rates soar. Some carriers charge higher rates than others after one DUI, but all insurers listed show a pretty noteworthy increase in rates for a clean record vs. one DUI.

For example, Geico charges insureds with a single DUI on their record approximately $3,000 more in average annual rates than they do to drivers with a clean record.

The gap isn’t so wide with State Farm, who only charges individuals with a DUI about $400 more in annual rates than drivers with a clean record. On the other hand, they charge their highest rates to consumers with one accident on their record, with an $800 rate difference for drivers with a clean record vs. a single accident.

The General car insurance in Florida is one company that offers specialty insurance for high-risk drivers. Compare rates of specialty insurers with regular insurers, as different companies offer different rates.

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Car Insurance Factors in Hollywood

Why is Florida car insurance so expensive? There are multiple factors that affect your car insurance rates in Hollywood, Florida, so don’t switch providers before you read these helpful stats.

Median Household Income

Hollywood, Florida residents have a median annual income of $50,019, which is under the nationwide median of $60,336. However, the median income for residents in 2016 was $48,579, meaning that residents of Hollywood saw a 2.96 percent annual income growth between 2016 and 2017.

What does this mean in practical terms for car insurance rates?

The average car insurance in Hollywood, Florida is $4,851.23. This means that approximately 9.7 percent of the average worker’s income is going straight to car insurance rates.

As you can see on the graph above, the average resident in neighboring Miami-Fort Lauderdale-West Palm Beach earns a median household income of $51,758. The average yearly cost of car insurance in Miami is $5,784.68, which means that residents are paying out around 11.2 percent of their income in rates.

So, while Miamians earn a bit more than Hollywood residents in terms of annual income, they are also paying out a higher percentage of their income to cover the costs of car insurance rates.

This means that the average cost of insurance as a percentage of workers’ income in Hollywood, Florida is in the normal range for the region.

Homeownership in Hollywood

Being a homeowner in Hollywood, Florida could drastically lower the rates carriers charge for your policy. Insurers feel that homeowners are likely to be more responsible and dependable, which means they’re probably safer behind the wheel. In addition, since homeowners are obliged to fulfill monthly house payments, insurers assume that they will also be more likely to pay their monthly car insurance bill as well.

As of 2017, approximately 57.5 percent of homes in Hollywood, Florida were owner-occupied, a decline from the owner-occupation rate of 57.9 percent in 2016.

The stats for owner-occupation in Hollywood are lower than the nationwide average of 63.9 percent.

Hollywood is in the median range when it comes to homeownership in the region. For example, owner-occupation is at 55.3 percent in West Park and 52.4 in Fort Lauderdale, while 69.8 percent of residents in Davie are homeowners.

As of 2017, the median property value of Hollywood homes was $217,100, which was up $20,000 from 2016’s median property value of $197,100. In Hollywood, most homes= property values between $300,000 and $400,000.

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Education in Hollywood

Hollywood has several educational institutions of note in the area. In 2016 alone, universities in Hollywood conferred 1,345 degrees to graduates. Based on 2016 stats acquired by Data USA, the largest universities in Hollywood in terms of degrees conferred were Sheridan Technical College, City College-Hollywood, and the Hollywood Institute of Beauty Careers.

The number of graduates, as well as the percentage of total degrees the largest Hollywood educational institutions conferred in 2016, are as follows:

• Sheridan Technical College — Graduates: 1,116. Degrees Conferred: 83 percent.
• City College-Hollywood — Graduates: 43. Degrees Conferred: 3.2 percent.
• Hollywood Institute of Beauty Careers — Graduates: 186. Degrees Conferred: 13.8 percent.

Currently, the most popular majors in Hollywood by concentration and percentage of degrees awarded are:

• Truck, Bus, and Commercial Vehicle Operator and Instructor — Degrees Awarded: 156. Percentage of Total Degrees Awarded: 11.6 percent.
• Child Care and Support Services Management — Degrees Awarded: 130. Percentage of Total Degrees Awarded: 9.67 percent.
• General Cosmetology — Degrees Awarded: 111. Percentage of Total Degrees Awarded: 8.25 percent.

In 2015, the most popular concentration students chose for a one-year certificate was Child Care and Support Services Management, with 130 degrees conferred in this area.

Other notable institutions in Broward County within driving distance of Hollywood include:

• Broward College (Coconut Creek, Davie, and Pembroke Pines campuses)
• Censa International College

Courses include a wide range of subjects, offering students a plethora of concentrations, degree programs, and program durations to pick from.

Wage by Race and Ethnicity in Common Jobs

The following table indicates wages for common jobs based on race and ethnicity in Hollywood, along with the percentage of those workers’ incomes going to car insurance rates.

Depending on your job role, your car insurance in Hollywood, Florida could take up a sizeable portion of your income. In the case of entry-level roles such as a customer service representative, workers could be paying out as much as 20 percent of their income to car insurance rates. Even the highest earning demographic (Asians) are still paying out more than five percent of their income to cover car insurance rates.

Wage by Gender in Common Jobs

As of 2017, full-time male workers earned 1.34 times more than female workers did.

• Hollywood Female Average Salary — $44,078
• Hollywood Male Average Salary — $58,931

That’s more than a $14,000 wage gap between genders, even if male and female employees hold the exact same job title.

The average annual cost of car insurance in Hollywood, Florida is  $4,851.23.

This means that women are paying out approximately 11 percent of their annual income to cover the cost of car insurance, whereas men are paying out just over 8 percent of their total yearly earnings for coverage.

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Poverty by Age and Gender

There are also key trends to look for concerning age and gender-based on poverty rates.

Females are the largest demographic living in poverty, with females between the ages of 45-54 and 55-64 making up the most significant number of individuals living below the poverty line.

According to a recent study conducted by Data USA, 15.2 percent of the population in Hollywood, Florida for whom poverty status is assessed live below the poverty line. This number is higher than the national average of 13.4 percent.

Males between the ages of 55-64 make up the third-largest demographic of people considered to be living in poverty status.

Poverty by Race and Ethnicity

The most common ethnic group living under the poverty line in Hollywood are white individuals, followed by Hispanic and black racial groups.

Approximately 13,712 white individuals  are categorized as living below the poverty line, with 7,498 Hispanics meeting poverty standards.

Black ethnic groups make up the smallest proportion of individuals residing below the poverty line with a total of 5,445 individuals as of 2017.

Employment by Occupations

Despite Hollywood, Florida’s poverty rates and sometimes significant car insurance rates, the city’s employment by occupation experienced a 1.21 percent growth rate between 2016 and 2017.

As of 2016, there were approximately 73,000 employees in the city of Hollywood, Florida, with the number jumping to roughly 74,000 workers in 2017.

The most common positions by the number of residents in Hollywood, Florida are as follows:

• Office and Administrative Support Occupations — 9,841 people
• Sales and Related Occupations — 9,796 people
• Management Occupations — 8,285 people

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Driving in Hollywood

Driving in any city, even smaller ones, can be a distinct challenge. From traffic jams to roadwork, it’s critical to find the best driving routes for your commute to ensure you’re on time and maximizing your gas savings potential.

Roads in Hollywood

Below we will look at road conditions, major highways, and more in and around Hollywood, Florida.

Major Highways

Florida has 12 active routes running through the state, comprising a total of 1,497.58 miles of roadway. These active 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

Interstate 95 is one of the primary roadways running through the Hollywood area. I-95 is the main highway along the state’s Atlantic Coast, commencing at the U.S. 1 partial interchange south of Miami, running through Jacksonville, and down near Becker.

Florida’s Turnpike, which runs through Hollywood, is one of the primary toll roads running through the state and is under the jurisdiction of Florida’s Turnpike Enterprise. The Florida Turnpike extends 483 miles in total.

Florida has more miles of toll road than any other state in the country, extending 700 miles throughout The Sunshine State. Florida’s toll pass, aptly named the SunPass, is an electronic transponder which drivers can affix to their windshield in order to pass through the E-Pass, SunPass, and O-Pass toll lanes.

Toll charges are subtracted from the motorist’s prepaid account. Motorists may use their SunPass in North Carolina and Georgia as well.  The SunPass can also be used to pay for parking at the following airports:

• Palm Beach International
• Fort Lauderdale International
• Orlando International
• Tampa International

You can choose between the SunPass Portable and SunPass Mini when purchasing your toll pass. The Portable pass adheres to your windshield via suction cups, but you can easily move it from one car to another as needed. Residents of Hollywood, Florida can purchase their SunPass Portable at:

• Publix Supermarkets
• CVS Pharmacies
• AAA Auto Club South
• Sedano’s Markets
• Navarro Discount Pharmacy
• Amscot
• Walgreen’s
• Turnpike service plazas

The SunPass Mini, on the other hand, is a small, permanent sticker that goes right on your windshield and costs $19.99 plus tax. You can also purchase it online if you prefer. The SunPass Mini costs $4.99 for online purchases or you can pick up one at any of the locations previously mentioned. Drivers must register their SunPass Portable or SunPass Mini with a starting balance of at least $10.00. To register, you can:

• Activate your transponder online
• Purchase your pass online
• Call 1-888-TOLL-FLA (1-888-865-5352)

Visit Florida’s SunPass page for more information.

Popular Road Trips/Sites

Here are some of the most popular road trips and adventures in and around Hollywood, Florida.

• Get Your Seafood Fix — Previously featured in the New York Times and Gourmet Magazine, Triar Seafood is an incredible fish market in Hollywood selling fresh seafood at unbeatable prices. A little bit off the beaten path, it’s a worthwhile visit for any resident or tourist in Hollywood, Florida.
• The Ultimate Foodie Trip — Speaking of delicious eats, why not take a trip up the Florida coast and visit some of the best waterfront restaurants the state has to offer? From Cap’s On The Water in St. Augustine to Alabama Jack’s in the Keys, this trek is the ultimate foodie adventure.
• Soak Up the Arts — If you’re up for a weekend of cool galleries and art walks, check out these top spots. From the Downtown Hollywood Mural Project to the Japanese Gardens in Delray Beach, these artsy spots are a must-see.
• The Most Beautiful Places in the Sunshine State — If you’re ready to discover some of the most beautiful spots in Florida, check out this guide to these prime road trip spots. From the Bok Tower and Gardens in Lake Wales to Coral Castle in Miami, you won’t want to miss these.
• Beach Time — If you want to venture beyond Hollywood Beach to some other fabulous places up and down the coast, check out this guide to the best beaches in The Sunshine State.

While Hollywood may not be the largest city in the Sunshine State, there’s no shortage of things to see and do both in the city and in neighboring areas.

Road Conditions

As of May 2019, the Florida Department of Transporation (FDOT) is working on updates to Interstate 95 and is in Phase 3C of the project. The project runs about nine miles from I-95 south of Hollywood Boulevard to the south of Broward Boulevard. After commencing in the of summer 2019, the target completion date is fall 2024. Changes to be made include:

• Another Express lane in both directions for two lanes total between Broward Boulevard and south of Stirling Road
• A northbound Express Lanes entrance and southbound Express Lanes exit for the interchanges and Sheridan Street and the south serving traffic to and from the north
• A southbound Express Lanes entrance and northbound Express lanes exit for Sheridan Street and the interchanges in the north serving traffic to and from the south
• Right lane upgrades at the ramp terminal from eastbound Griffin Road to the I-95 northbound exit
• Construction of two exits for the northbound and southbound exits at Sheridan Street

Estimated construction costs currently total $457 million. Keep checking the City of Hollywood’s FDOT Road Construction Updates page for the latest project developments.

Does your city use speeding or red light cameras?

The use of speeding or red light cameras is very controversial.  Some people believe they help decrease the number of accidents, whereas others believe they are just a scheme to make more money.

Hollywood has currently authorized the use of red-light cameras across the city, but Florida does not have any state laws in place regarding speed cameras.

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Vehicles in Hollywood

Below we are going to discuss the cars in and around Hollywood, Florida.

How Many Cars Per Household

A recent study by Data USA revealed that the majority of households in Hollywood, Florida have two cars each. Very few households own no cars, and most residents have their own transportation.

Households Without a Car

Despite the fact that most households in Hollywood own at least two vehicles, some don’t own a vehicle at all. The data below from 2015 and 2016 illustrates the percentage of households that rely on methods of transportation other than a car.

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Speed Traps in Your City

Law enforcement officers use speed traps to hide their vehicles and monitor motorists’ speeds with radar guns. Speed traps are designed to discourage unsafe driving habits and speeding, but they can also bring in substantial revenue for a city.

The good news for residents of Hollywood, Florida, is that the city didn’t make it to the list of The 10 Worst Florida Speed Trap Cities. With that said, you should always practice safe and cognizant driving habits when behind the wheel to ensure that you don’t fall victim to a speed trap.

Vehicle Theft in Hollywood

The FBI’s 2016 Crime in the U.S. Report listed 535 motor vehicle thefts in Hollywood, Florida alone. A study conducted by the Neighborhood Scout reported 509 motor vehicle thefts in 2017, a slight decrease from the year before.

The safest neighborhoods in Hollywood, Florida, per Neighborhood Scout, are as follows:

• N 13th Avenue/Tyler St.
• Diplomat Pkwy/Washington St.
• West Hollywood
• NW 64th Ave/Fillmore St.
• Sunshine Park
• N 46th Ave/N 35th St.
• Evans St./N 30th Ter.
• Johnson St./N Park Rd
• Sheridan St./N 30th Rd
• N Ocean Dr/E Dania Beach Blvd

Neighborhood Scout also revealed that your chances of becoming a victim of violent crime are approximately 2.93 per 1,000 residents. This is lower than the statewide figure, which puts residents at a 4.08 per 1,000 chance of being a victim of violent crime.

As it stands currently, Hollywood is only safer than 14 percent of cities across the country. The city ranks number 14 in Neighborhood Scout’s crime index, with 100 being the absolute safest.

The table below illustrates the incidents of violent crime in Hollywood, Florida in 2017 alone.

Most of the crimes in the area were assaults, followed by robberies.

Below are Hollywood’s annual number of crimes for the year 2017.

As you can see, the vast majority of crimes in Hollywood are property crimes.

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Traffic

Below we are going to discuss the traffic in and around Hollywood, Florida.

Traffic Congestion

No one likes to get stuck in traffic. The good news is, major scorecard studies conducted by research giants like INRIX don’t even list traffic congestion rates in Hollywood, Florida. So while you might sit in traffic for a few extra minutes during peak hours, you won’t face as bad a commute as in neighboring regions.

Since Hollywood is part of Broward County along with cities like Fort Lauderdale, Miramar, and Coral Springs, some traffic from these areas could occasionally affect commuters.

Transportation

The average Hollywood worker spends approximately 27.2 minutes in commute time, slightly above the nationwide average commute time of 25.1 minutes. Furthermore, roughly 2.44 percent of workers in Hollywood have what are known as super commutes, exceeding 90 minutes.

According to Data USA’s 2017 traffic study, the most common method of travel is driving alone, with approximately 77.1 percent of the workforce commuting this way.

A much smaller 10.6 percent of individuals carpool to work, while a mere 4.49 percent of the working population reported working at home.

Busiest Highways

According to the Federal Highway Administration, two of the busiest highways near Hollywood are I-95 and Florida State Road 826. These routes are considered to be heavily congested.

FDOT defines heavy traffic congestion as follows:

• Urban Areas — Traffic is bumper to bumper or moving at a stop and go pace.
• Rural Areas — It is difficult to change lanes due to congestion.

When you travel these highways, make sure to pay extra attention. More traffic means more of a likelihood for accidents.

How safe are Hollywood’s streets and roads?

There are many factors that can heighten road risk for motorists, including drunk driving and the type of crash involved. The National Highway Traffic Safety Administration’s (NHTSA) 2017 study reported the safety conditions and fatal crashes in Broward County that year.
To begin, let’s take a look at the total fatal crashes in Broward County for 2013-2017.

Next up, take a look at the fatalities in Broward County crashes in 2013- 2017 involving alcohol-impaired drivers with BAC levels of .08 above.

In 2017, there were 57 fatal crashes involving impaired drivers.

Here are the total single-vehicle fatality crashes in Broward County for 2013-2017.

In 2017, just over half of all fatal crashes involved a single vehicle.

The table below reveals fatalities in 2017 crashes involving speeding, roadway departures, and intersections (or intersection related) in Broward County alone.

Speeding accounts for a surprisingly few fatal crashes in Broward County.

The following table illustrates the total fatalities in Broward County from 2013-2017 by type of person.

This next table displays the NHTSA’s data regarding highways in the state of Florida with the most fatal crashes. Note how fatalities in your state vary based on the road type involved in the collision.

An arterial road is a high-capacity urban road. Depending on how much traffic is filtering through a specific area, the road could be categorized as a highway or a minor arterial road.

Collector roads gather traffic from local roadways and direct motorists to arterial roadways. As you may have noted from the data above, the most significant proportion of fatal crashes in Florida take place on roads categorized as “other,” with the second highest fatality collisions occuring on unknown roads.

Besides road type fatalities, it is also important to be aware of the high incidence of railroad and highway crashes as they contribute to road dangers in Hollywood, Florida.

The U.S. Department of Transportation accumulated the data of fatalities and injuries in Hollywood due to highway and railroad crashes in recent years, as listed in the table below.

Most crashes appear to take place on Johnson St. and Pembroke Rd., so exercise additional caution when driving through any of the areas specified above.

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Allstate America’s Best Drivers Report

Another element to bear in mind when searching for car insurance in Hollywood, Florida is how drivers in your city compare with motorists nationwide. According to data collected from Allstate’s Best Drivers in America Report, Hollywood is the 110th safest city to drive in the country as of 2018.

In Hollywood, Florida, the likelihood of a claim being made as compared to the national average is 23.40 percent. Residents of Hollywood typically have 8.1 average years between claims.

This average time indicates that drivers aren’t frequently getting into collisions.

Whether due to a sudden slowdown in traffic or an obstacle in the roadway, Hollywood’s hard-braking events per 1,000 miles is 30.7. This number isn’t particularly high, but it does reveal that drivers should be extra cognizant of upcoming roadway impediments to ensure they have plenty of room to brake without causing a collision.

Ridesharing

If you want to take advantage of the plethora of ridesharing options in your city, it’s key to know what services are available and the potential rates you can expect to pay.

The following rideshare providers serve Hollywood, Florida residents, and are listed below from the most to least expensive.

• Uber Pool
• Uber X
• Lyft Premier
• Uber XL
• Taxi
• Curb
• Uber Lux
• Lyft Lux
• Uber Lux XL
• Lyft Lux SUV
• Blacklane

Now that you know about your rideshare options, let’s look at E-star repair shops near Hollywood.

E-star® Repair Shops

If you ever need repairs done to your vehicle after an auto accident in Hollywood, Florida, an E-star® repair shop could be your saving grace. E-star® is an Esurance-sponsored program that helps drivers find the best repair shops in their area.

Check out the top 10 repair shops in Hollywood, Florida, according to E-star®.

Now we’ll look at the area’s weather.

Weather

Hollywood, Florida, residents enjoy primarily mild weather in the cooler months and steamy temperatures during warmer seasons. The table below indicates U.S. Climate Data’s stats for typical temperatures in Hollywood.

Natural disasters are important to take into account when hunting for car insurance coverage in Hollywood. The reality of natural disasters in your area could dramatically impact the type of coverages you require.

As a whole, Broward County has experienced 24 total natural disasters, which is significantly higher than the nationwide average of 13. A total of 15 of natural disasters in Broward County were declared by the President as major disasters, while the remaining eight were declared to be emergencies.

The causes of these natural disasters were as follows:

• Hurricanes (14)
• Fires (3)
• Floods (3)
• Tornadoes (3)
• Freezes (2)
• Tropical Storms (2)
• Heavy Rain (1)
• Storms (1)
• Wind (1)
• Other (1)

Note that some natural disasters may fall into more than one category noted above.

How do you protect your vehicle in the event of a natural disaster? That’s where comprehensive coverage comes in. The video below offers a helpful explanation of what comprehensive coverage is and how it works.

If your vehicle is damaged due to something other than a collision or rollover, such as flooding, hail, vandalism, fire, etc., comprehensive coverage will help to cover any costs incurred as a result. This could save you hundreds to thousands of dollars that would have to pay otherwise without comprehensive coverage.

Public Transit

The TRIRAIL system links Hollywood to the remainder of the tri-county area, allowing Hollywood workers and residents alike to commute on the regional train. Some workers and city employees have access to the Employer Discount Program for more cost-effective fares.

Residents who wish to use the TRIRAIL system regularly can obtain an EASY Card, which is used to add money up to $150 for one-way fares. You can also load the card for 12-trip, weekend, or monthly passes as needed. Visit the Easy Card Page and the Easy Card FAQ Page on the TRIRAIL website for more information.

There are also bus options for residents of Hollywood, Florida. The Broward County Transit bus system has nine routes through the city which residents can use to get around Hollywood and to other destinations nearby. Visit the Broward County Transit bus system’s website for further information about your pass options and destinations.

Alternate Transportation

If you’re a fan of alternative transportation methods such as scooter or bike rentals, companies like Bird and Lime can be good options. While neither of these two companies offers rentals in Hollywood, they do offer rental options in nearby cities like Fort Lauderdale. Lime also offers scooter and bike rentals in nearby North Bay Village and Key Biscayne.

Parking in Metro Areas

There are plenty of parking options for residents and visitors in Hollywood, Florida, but it could be more of a challenge to find your ideal spot during peak daytime hours.

The parking division of the city of Hollywood, Florida operates around 4,164 public parking areas both on and off the street, along with 20 surface parking lots and 59 Recreational Storage Facility Lots.

The city of Hollywood has put together a comprehensive guide to resident beach parking, multi-space parking meters, downtown parking, permits, and electric vehicle charging stations. Visit the city’s Parking webpage to learn more.

Air Quality in Hollywood

The following table indicates the air quality in Broward County, based on the Environmental Protection Agency’s reports from 2016, 2017, and 2018.

The data here show that days with a good air quality index substantially outweighed moderate or unhealthy days for sensitive groups in the period between 2016 and 2018.

You’ll also notice that there were zero unhealthy or very unhealthy days in the air quality index for Broward County during 2016, 2017, or 2018. This speaks volumes about the excellent air quality in the city of Hollywood, Florida and the surrounding region.

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Military/Veterans

If you are actively serving in the military or previously served our country, you may be eligible for car insurance discounts in Hollywood, Florida.

Keep scrolling for a detailed overview of common service periods in Hollywood, along with nearby military bases and provider discounts you’ll want to know about.

Veterans by Service Period

Stats from Data USA regarding the number of veterans residing in Hollywood, Florida as of 2017 found that the most common veteran service period was the Vietnam War, with approximately 2,041 of military personnel residing in Hollywood having served.

The second Gulf War was the second most common service period, with 1,042 residents having served. Military personnel who served in the Korean War were the third most common service period, with 789 residents having served.

Military Bases Within an Hour

Florida has 21 military bases total, with several in the region surrounding Hollywood, Florida. Some of the closest military bases are as follows:

• Homestead Air Reserve Base in Miami
• District 7 Coast Guard Base in Miami
• ISC Miami Coast Guard Base in Miami Beach
• Autec Complex Navy Base in West Palm Beach

Military Discounts by Provider

If you are either on active duty or previously served our country in the military, most car insurance providers in Hollywood, Florida or otherwise will offer you special policy discounts. The following table shows the top known providers currently offering military discounts.

In addition, USAA also offers discounts for military garages to hold vehicles on base.

Not every company openly releases the total percentage insureds can save with a military discount, which is why some of the carriers listed above are marked “N/A” in the percentage category. However, these companies do still offer military discounts, so if you are considering any of the carriers above you can speak with an agent directly for more information.

USAA Available in Florida

Both in the state of Florida and around the country, USAA is reserved exclusively for service members (both active or retired) and their families.

The table below reveals USAA’s rates compared to its competition in the insurance market and the state average. The average cost of car insurance in Florida is $4,680.46.

USAA has by far the best rates compared with other insurers. As you can see, USAA costs over 64 percent less than the state average for car insurance in The Sunshine State.

Unique Hollywood Laws

Continue reading to learn about the hands-free law, laws about tiny homes, and more.

Hands-Free Driving Law

Distracted driving causes thousands of accidents a year.

Florida legislation passed in 2013 banned drivers from texting while driving. The bill permits law enforcement officers to stop and issue drivers’ citations for texting while driving, but they have to pull over the motorist for another offense first. Under this law, distracted driving was a secondary offense.

Florida lawmakers recently passed a more stringent, Hands-Free law that makes distracted driving a primary offense. The bill will go into effect on July 1, 2019.

Food Trucks

In order to operate a food truck in Broward County or anywhere else in The Sunshine State, you must obtain a state business license. The license you must obtain is dependent on multiple factors, such as the type of food you intend to sell.

In Broward County itself, food truck operators must secure a local business tax registration from the county in addition to adhering to local city regulations.

To apply as a food truck vendor in Hollywood, Florida, you must secure either a Special Park Mobile Food Dispensing Permit to operate at City of Hollywood Special Events and/or Parks, or a Mobile Food Dispensing Permit to operate on private property, public right of way areas, and City of Hollywood property.

It costs $75 for a six-month permit and $125 for a one-year permit for either of the above types of permits. Visit the Vendor Forms and Documents page and the Food Truck Vendor Application page published by the City of Hollywood for more information.

Tiny Homes

There are two different types of tiny homes. The first kind is a house on wheels or RV, while the second is a tiny house with a foundation (also known as an accessory dwelling unit or ADA). Tiny houses must typically be compliant with the same local regulations for a standard RV or trailer.

The American Tiny House Association previously published guidelines for the minimum authorized dwelling space in Hollywood, Florida. Here’s a quick rundown:

• Dwellings must have a minimum floor area of 150 square feet for one occupant.
• Dwellings should have a floor area of no less than 100 square feet for another occupant.

Rooms occupied for the purpose of sleeping should have:

• A gross floor area of at least 70 square feet for one occupant and no less than 50 square feet per each occupant.
• Floor width of at least eight feet.
• Gross area calculated by the total habitable area.
• Habitable areas with a minimum ceiling height of seven feet for at least half the room’s floor area.

Areas in a habitable room with a ceiling five feet in height or less will not be included when assessing a room’s total floor area. Contact the Building Divison of the City of Hollywood, Florida for additional information if you’re considering building your very own tiny house.

Parking Laws

The city of Hollywood, Florida, enforces strict parking laws for residents, such as forbidding individuals from parking RVs in beach street parking areas. There is no free parking in downtown Hollywood, as there are more than 500 metered spaces in the heart of the city. Visit the city’s Parking page for more information.

The Florida Drivers Association publishes a very helpful Florida Parking Laws page with up-to-date information on key parking rules in The Sunshine State. Here’s a quick rundown on where parking isn’t permitted in Florida:

• On crosswalks.
• In front of driveways.
• On sidewalks.
• On the roadway side of another parked car.
• By yellow curbs or where “No Parking” signs are indicated.
• Within intersections.
• Within 20 feet of an intersection.
• Within 15 feet of a fire hydrant.
• Within 50 feet of a railroad crossing.
• Within 20 feet of a rescue squad, ambulance, or fire station entrance.
• On hard highway surfaces where no parking is marked.
• In a tunnel, on a bridge, or on an overpass.
• Within 30 feet of a stop sign, traffic signal, or flashing signal.
• Within 30 feet of a rural mailbox on a state highway between 8 A.M. and 6 P.M.
• In a way that would impede or create a hazard for other motorists.

Parking in a restricted area can lead to traffic tickets and fines.

Now that you’re a veritable expert on all things related to car insurance and safe driving in Hollywood, Florida, you’re ready to put your newfound knowledge to use. Start comparison shopping today. Just enter your ZIP below to get your quotes for multiple Hollywood, Florida car insurance providers instantly with our FREE online rate tool.

Frequently Asked Questions: Car Insurance in Hollywood, Florida

Are there any languages I should know?

According to Data USA, 43.9 percent of residents in Hollywood, Florida are non-English language speakers, which is considerably higher than the 21.5 percent country-wide average.

As of 2015, 31.2 percent of the Hollywood population were native Spanish or Spanish Creole speakers. French Creole is spoken by 2.78 percent of non-English speakers in the city, with 1.84 percent of non-English speakers claiming French as their native tongue.

What is the cost of living in Hollywood?

According to a study by Sperling’s Best Places, the cost of living in Hollywood is 124.2. A figure exceeding 100 reveals that the city is more expensive than the U.S. average. The median home price in Hollywood, Florida is $280,800.

What car insurance is required?

The minimum car insurance requirements to purchase and maintain a license plate and registration in The Sunshine State is $10,000 in personal injury protection (PIP) and $10,000 property damage liability coverage.

Florida is one of a handful of states that adhere to the no-fault system of assessing liability for collisions. This means that if you get into an auto accident, your own PIP insurance covers medical costs and other related losses incurred by anyone covered under your policy, no matter who is at fault.

What do I do if I get into an accident in Hollywood?

You will need to file a claim with your own insurer if you get into an accident in order to receive compensation for things like medical expenses and other damages, regardless of who caused the collision. You may only step outside the no-fault system if you meet certain requirements.

Furthermore, if you are involved in a collision that leads to injury, death, and/or car damage of $500 or more, you must report the accident to the local police division, county sheriff, or closest Florida Highway Patrol Station (whichever is applicable).

Can I get insurance if I’ve been refused coverage for being a high-risk driver?

If you are unable to secure coverage via the voluntary insurance market due to a history of driving violations or accidents, you may be eligible for high-risk coverage through the Florida Automobile Joint Underwriting Association.