Pembroke Pines, FL Car Insurance

What Is The Average Car Insurance Cost in Pembroke Pines?

The average auto insurance cost in Pembroke Pines is $2,980 per year. Pembroke Pines drivers pay an average car insurance rate of $224 monthly which is more expensive than the state’s average rate of $191 and the nation’s average of $128. However, several factors are evaluated when insurers calculate your car insurance quote. Your marital status, driving history, credit tier, age, and location are the most common aspects that influence your annual car insurance cost in Pembroke. 

If you want savings on your car insurance, comparing the rates of different companies will give you the idea of what company best fits your driving profile. Your location, age, driving history, credit tier, and marital status are the common aspects insurance providers assess when calculating your car insurance rates in Pembroke Pines.

Pembroke Pines Car Insurance Costs by Company

Every car insurance company in Pembroke Pines offers different policies and rates. State Farm offers the cheapest car insurance in Pembroke Pines with an average rate of $1,952 annually. Maintaining a clean driving history will keep your car insurance rates to stay on the average.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,952$163

Florida Cheapest Car Insurance Rates For Minimum Coverage

If you are looking for an insurance company in Florida that offers the cheapest car insurance cost, there are several companies that provide minimum car insurance coverage at a competitive price. State Farm by far offers the best deal when it comes to purchasing car insurance with minimum coverage.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,528$211
Direct Auto$3,266$272

Pembroke Pines Auto Insurance Rates by Age Bracket

Your age impacts your car insurance rates in Pembroke Pines. Drivers in their 50s in Pembroke Pines pay cheaper auto insurance premiums compared to other age groups. Teenagers, however, pay the most for car insurance in Pembroke Pines. On a brighter note, when teens reach the age of 20, a substantial decrease in their premiums will immediately reflect.

Pembroke Pines Car Insurance Rates Per Age Group

Age GroupAnnual RateMonthly Rate

Florida Cheapest Full Coverage Insurance Rates For Young Drivers With Clean Driving History

In Florida, teen drivers are considered high-risk drivers. That is why they pay the most expensive car insurance rates in Florida. But, if you are a young driver without any driving violation, several auto insurance companies in Florida that provide less expensive premiums.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,001$167
Direct Auto$3,201$267

Pembroke Pines Car Insurance Premiums By Gender and Marital Status

Apart from your age, other factors that influence your car insurance rates are your marital status and gender. Most married couples and widowed drivers in Pembroke Pines pay relatively cheaper rates in contrast to those who are single. While married couples are considered responsible drivers compared to single drivers, their gender also affects their overall auto insurance premiums. Females pay more than males for car insurance in Pembroke Pines.

Pembroke Pines Car Insurance Premiums by Marital Status and Gender

Marital Status/GenderAnnual RateMonthly Rate

Get Pembroke car insurance now!

Florida Cheapest Car Insurance Rates For Married Couples

As was mentioned, married couples pay cheaper car insurance rates in Florida. Married couples are considered financially stable and low-risk drivers. Thus, they are given cheaper car insurance rates in Florida. MetLife by far offers the cheapest auto insurance rates for married couples. 

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,721$227
Direct Auto$3,233$269

Pembroke Pines Auto Insurance Rates After an Accident or Violation

Maintaining a good driver profile will substantially help in minimizing your Pembroke Pines car insurance costs. One at-fault accident can cause your premiums to increase. Even acquiring speeding tickets, and reckless driving citations are considered a risk. Thus, maintaining a good driving record in Pembroke Pines will keep your premiums low and close to the average of $2,980 per year.

Pembroke Pines Car Insurance Rates For High-Risk Drivers

Driving ViolationAnnual RateMonthly Rate
Reckless Driving$4,211$351
At-Fault Accident (less than $1000 damages)$3,761$313
At-Fault Accident (more than $1000 damages)$3,761$313
Speeding Ticket$3,432$286

Florida Average Auto Insurance Costs With One At-Fault Accident

Typically, one at-fault accident will drive your car insurance rates in Florida up. Depending on the number of damages acquired, drivers who have been in an at-fault accident pay expensive auto insurance rates in Florida. However, there are car insurance companies around Florida that offer less expensive car insurance premiums to high-risk drivers. 

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,033$169
Direct Auto$3,411$284

Florida Average Car Insurance Rate After A Ticket

Receiving a speeding ticket might not seem like a big deal but, in Florida, drivers will pay more on their auto insurance premiums after a ticket. However, some insurance companies around the state provide cheap car insurance premiums to reckless drivers in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,902$159
Direct Auto$3,163$264

Pembroke Pines Auto Insurance Rates by Credit Tier

Your credit tier is another factor Pembroke Pines auto insurance companies look at when calculating your car insurance rates. Building your credit from Very Poor to Exceptional will give you savings up to 59% annually on your car insurance rates. Hence, keeping a good credit score is one way for your rates to stay on the average in Pembroke Pines.

Pembroke Pines Car Insurance Premiums by Credit Tier

Credit LevelAnnual RateMonthly Rate
Very Poor$5,393$449
Very Good$2,436$203

Get Cheapest Insurance Quote

Pembroke Pines Car Insurance FAQs

  • I am a teen driver in Pembroke Pines, what can I do to save on my car insurance premiums?

    Car insurance companies offer various discounts that can help teens garner cheaper car insurance rates. If you are a full-time student, you can reduce your premiums by being a good driver, earning good grades, and other perks your insurance provider offer.

  • I usually take my pets with me when traveling. If in any case, we have an accident, will my pet be covered by my policy?

    In most cases, yes. Your pet can be covered by your car insurance provider in Pembroke Pines. However, if you are at fault, it is likely for your car insurance provider not to cover your pet’s injuries.

  • I want to buy a classic car and include it under my car insurance policy in Pembroke Pines, is that allowed?

    Technically yes, it is allowed. However, your standard policy is not fabricated to insure classic or antique cars. Hence, it is ideal to get a separate classic car insurance coverage.

  • What is car rental reimbursement in Pembroke Pines?

    If you have been in an accident, car rental reimbursement is the amount you can get for your car rental expense while your totaled car is still under repair. 

  • Get Cheapest Insurance Quote

    Call an Agent

    Whether you just prefer a friendly voice or need more information, our licensed agents are ready to help you save.