Best Cheap Auto Insurance in Pembroke Pines, FL (2021)

Average Pembroke Pines, FL auto insurance rates are $470/mo, and the cheapest auto insurance in Pembroke Pines, Florida, is USAA. However, auto insurance rates will vary for each person. Pembroke Pines, FL auto insurance must meet the state minimum requirements with coverage levels of $10,000 for PIP and $10,000 for PDL.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 28, 2021

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Things to Remember

  • Pembroke Pines, FL auto insurance costs $5,639/yr or $470/mo
  • The cheapest auto insurance companies in Pembroke Pines, Florida, are USAA, State Farm, and GEICO
  • Pembroke Pines vehicle thefts are low, which is good news for your car insurance rates

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

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

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

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

Monthly Pembroke Pines, FL Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Pembroke Pines, FL auto insurance rates by ZIP Code below:

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Pembroke Pines, FL Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Pembroke Pines, FL against other top US metro areas’ auto insurance costs.

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

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

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

The cheapest Pembroke Pines, FL car insurance providers can be found below. You also might be wondering, “How do those Pembroke Pines, FL rates compare against the average Florida car insurance company rates?” We uncover that too.

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

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

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

The most crucial factor is your driving record. Some auto insurance companies provide 15%-40% off your annual rates for a clean driving record You can even save money if your credit score is good.

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

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

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

Pembroke Pines, Florida car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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Your coverage level will play a major role in your Pembroke Pines, FL car insurance costs. Find the cheapest Pembroke Pines, Florida car insurance costs by coverage level below:

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Your credit score will play a major role in your Pembroke Pines, FL car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Pembroke Pines, Florida car insurance costs by credit score below.

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Your driving record will affect your Pembroke Pines, FL car insurance costs. For example, a Pembroke Pines, Florida DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Pembroke Pines, Florida car insurance costs by driving record.

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Controlling these risk factors will ensure you have the cheapest Pembroke Pines, Florida car insurance. Factors affecting car insurance rates in Pembroke Pines, FL may include your commute, coverage level, tickets, DUIs, and credit.

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Age is a significant factor for Pembroke Pines, FL car insurance rates. Young drivers are often considered high-risk. This Pembroke Pines, Florida does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Pembroke Pines, FL.

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

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

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

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

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What affects auto insurance rates in Pembroke Pines, FL?

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

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

Having adequate comprehensive auto insurance coverage can also come in handy when your car is damaged because of Pembroke Pines, FL weather.

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

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

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

Pembroke Pines, FL Auto Insurance: The Bottom Line

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

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

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Monthly Pembroke Pines, FL Auto Insurance Rates by ZIP Code
Pembroke Pines, FL Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Monthly Pembroke Pines, FL Auto Insurance Rates by ZIP Code
Pembroke Pines, FL Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Pembroke Pines, FL Auto Insurance Rates by Company vs. City Average
Pembroke Pines, FL Auto Insurance Rates by Company and Age
The Cheapest Pembroke Pines, FL Auto Insurance Rates by Coverage Level
The Cheapest Pembroke Pines, FL Auto Insurance Rates by Credit Score
The Cheapest Pembroke Pines, FL Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Pembroke Pines, FL
Average Monthly Auto Insurance Rates by Age & Gender in Pembroke Pines, FL
Pembroke Pines, FL Auto Insurance Rates by Company vs. City Average
Pembroke Pines, FL Auto Insurance Rates by Company and Age
The Cheapest Pembroke Pines, FL Auto Insurance Rates by Coverage Level
The Cheapest Pembroke Pines, FL Auto Insurance Rates by Credit Score
The Cheapest Pembroke Pines, FL Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Pembroke Pines, FL
Average Monthly Auto Insurance Rates by Age & Gender in Pembroke Pines, FL
Monthly Pembroke Pines, FL Auto Insurance Rates by ZIP Code
Pembroke Pines, FL Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Pembroke Pines, FL Auto Insurance Rates by Company vs. City Average
Pembroke Pines, FL Auto Insurance Rates by Company and Age
The Cheapest Pembroke Pines, FL Auto Insurance Rates by Coverage Level
The Cheapest Pembroke Pines, FL Auto Insurance Rates by Credit Score
The Cheapest Pembroke Pines, FL Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Pembroke Pines, FL
Average Monthly Auto Insurance Rates by Age & Gender in Pembroke Pines, FL