Cheapest and Best Car Insurance in Pembroke Pines, FL (2024)

In Pembroke Pines, Florida, GEICO provides the cheapest minimum coverage, while Travelers is the most affordable option for full coverage. For families with teens, Nationwide offers the lowest rates. Mercury is the best overall for price and service, ranking the highest in customer satisfaction. The right insurer matches your coverage needs and service expectations.

GEICO is the cheapest car insurance option in Pembroke Pines.

• GEICO: $802 per year
• Mercury: $827 per year

Direct General Insurance has the most expensive minimum coverage policy at $1,954 per year, with a $1,152 difference from GEICO. Compare rates to find the best deal and save on car insurance.

The state law mandates the following limits on minimum coverage in Pembroke Pines:

• $10,000 property damage liability per accident
  
• $10,000 personal injury protection per person
  

If a policyholder with minimum coverage is at fault in an accident causing bodily injury, their policy won't cover these expenses since Florida's required minimums exclude bodily injury liability. If the damage totals $25,000 per person, the policyholder must pay the difference out-of-pocket. This example highlights the financial risks of minimum coverage.

Travelers offers the cheapest full coverage car insurance in Pembroke Pines.

• Travelers: $1,819 per year
• State Farm: $1,856 per year

Direct General Insurance has the most expensive full coverage policy in Pembroke Pines at $3,999 annually, $2,180 more than Travelers. This price gap highlights why comparing rates for full coverage policies is crucial, as they cost more due to their comprehensive protection.

A full coverage policy in Pembroke Pines significantly enhances liability limits with a 100/300/100 plan — $100,000 for bodily injury per person, $300,000 per accident and $100,000 for property damage.

Full coverage includes:

• Collision insurance covers damage to your car from collisions with other vehicles or objects, such as trees or light poles, as well as rollover accidents and pothole damage.
• Comprehensive insurance protects against non-collision events like theft, weather damage, vandalism, fires, natural disasters, and hitting animals like deer.

Full coverage insurance is usually mandatory if you're leasing or financing a car. It's essential as financial protection for new cars but may need to be more cost effective for older vehicles. To find the right balance of coverage that meets your needs without excessive costs, assess how much car insurance you need.

State Farm offers the cheapest policies across driving offenses:

• Speeding ticket: $2,102 per year
• At-fault accident: $2,288 per year
• DUI: $2,102 per year

Comparing the least expensive options reveals that after a DUI, the cheapest rate matches that after a speeding ticket in Pembroke Pines.

Insurance premiums in Pembroke Pines generally increase based on the severity of the driving offense. For example, while a speeding ticket averages around $4,165 annually, prices rise to nearly $4,790 for those with a DUI. The $625 difference underscores the importance of drivers with violations comparing rates to maximize savings.

Nationwide offers the most affordable full coverage car insurance for female and male teens in Pembroke Pines.

• Nationwide: $4,513 per year for female teens and $5,083 per year for male teens
• State Farm: $4,662 per year for female teens
• GEICO: $5,548 per year for male teens

These rates apply to a policy covering two parents and a teen driver. Farmers charges the highest annual premium of $6,847 for female teens, which is $2,334 more than Nationwide. The hefty price gap emphasizes the need to compare rates when adding high-risk teen drivers to family policies, potentially leading to significant savings.

In Pembroke Pines, teenage drivers face high car insurance premiums. An individual teen policy averages about $11,550 annually, while adding a teen to a family plan averages $6,197 yearly. Insurers consider teens high risk due to their limited driving experience, higher likelihood of accidents and riskier behaviors. Teens find it challenging to get an individual policy because rates are high, and insurers prefer family plans that minimize risks.

Travelers provides the cheapest car insurance for military backgrounds in Pembroke Pines.

• Travelers: $1,819 per year
• State Farm: $1,856 per year

USAA may not be among the cheapest options. Still, it serves the unique needs of active-duty military members, ranks competitively nationwide and remains a strong choice for military families.

Securing the best car insurance rates saves you money. However, researching companies can be time-consuming, as each comparison takes over 15 minutes, totaling over an hour for reviewing at least three companies. Speed up this process with MoneyGeek's car insurance calculator. Input your age, driving history, credit score and coverage preferences to receive instant, tailored rate estimates.

Choosing the right auto insurance depends on what matters most to you — cost, service quality, coverage or other factors. MoneyGeek's scoring helps you find Pembroke Pines' top insurers:

• Best overall: Mercury (Score: 85 out of 100)
• Best for service: Mercury (Score: 83 out of 100)
• Best cheap: Mercury (Score: 89 out of 100)

Mercury is the top choice in the city, offering excellent overall value, industry-leading service, competitive pricing and well-rounded coverage. Each category was independently rated to find a provider that provides cost-effective options and exceptional customer care while maintaining high service standards.

Mercury offers the best car insurance in Pembroke Pines. Providers with the highest MoneyGeek scores are:

• Mercury: 85 out of 100 ($2,322 per year)
• State Farm: 84 out of 100 ($1,856 per year)

Mercury excels in customer satisfaction and claims handling, making it the city's top choice for full coverage policies.

Mercury has the best customer service for car insurance in Pembroke Pines based on general satisfaction, claims processing efficiency and coverage selections.

• Mercury: MoneyGeek score of 83 out of 100 ($2,322 per year)
• State Farm: MoneyGeek score of 75 out of 100 ($1,856 per year)

Mercury achieves the highest MoneyGeek score because of its top satisfaction and claims performance, reflecting its effective and efficient customer service.

Mercury offers the best cheap car insurance in Pembroke Pines, balancing cost and quality service.

• Mercury: MoneyGeek score of 89 out of 100 ($827 per year)
• State Farm: MoneyGeek score of 83 out of 100 ($960 per year)

Mercury has the highest MoneyGeek score because of its low premiums and excellent customer service, especially for minimum coverage policies.

In Pembroke Pines, the average car insurance cost is $2,508 per year. Compared to Florida's average of $2,392, Pembroke Pines residents pay $116 more annually. The state average exceeds the $1,781 national average by $611.

Premiums vary due to several factors, especially location. Insurers consider factors like accident frequency, auto theft and vandalism rates, which differ across locations and impact costs based on varying risk levels. For instance, Hialeah has the highest premium at $3,233, while Gainesville has the lowest at $1,699, with a substantial $1,534 difference. Generally, less populated areas outside of cities have lower insurance rates due to reduced incident risks.