Find Car Insurance in Pembroke Pines, Florida

What You Should Know About Car Insurance in Pembroke Pines, FL

Just over 1,400 people lived in an area that came to be known as Pembroke Pines, named after the nearby pine trees, when locals incorporated it as a city in 1960. The city is known for its once-popular (and now closed) live-music venue, the Hollywood Sportatorium, where many big-name musicians played. The population grew after 1992, when Hurricane Andrew struck South Miami-Dade, prompting many residents to relocate north to Pembroke Pines. Today, the city, located in Broward County in the Miami metropolitan area, covers 34.76 square miles.

Recent years have brought significant growth to the city, with the development of new residential communities, a charter school system, and a large shopping mall. The city also offers an ice rink, golfing, and numerous parks for outdoor adventures, such as canoeing and admiring marsh rabbits and other wildlife at Chapel Trail Nature Preserve. Those with ambitions for higher education may attend the South Campus of Broward College or Florida International University.

When you are out and about enjoying everything Pembroke Pines has to offer, be sure you have the best car insurance in Florida to protect you in your travels. Expert agents are here to help you find just that — they provide concierge, white-glove service to locate premium coverage at competitive rates.

How Much Does Car Insurance Cost in Pembroke Pines, Florida?

Your exact cost depends on your personal factors, including your claims history. Drivers pay an average of $3,183 for full coverage car insurance in Florida and $1,128 for liability. These prices mean Florida drivers pay more than the national averages: $2,014 for full coverage and $622 for minimum coverage.

What Does It Mean If Pembroke Pines, Florida, Is a No-Fault City?

In an at-fault state, the person deemed responsible for the accident is required to pay for the damages. But Pembroke Pines is a no-fault city just like the rest of the state. That means in Florida, each person must cover their own injuries from an accident, regardless of who caused it. No-fault applies only to injuries and not to property damage.

Affordable Car Insurance Rates Comparison by Cities in Florida

Traffic is heavier in some zip codes than others, putting you at greater risk of an accident, which places your insurer at greater risk of paying out on a claim. That is just one reason your zip code helps determine your premium.

The chart below compares the average cost of auto policies in Pembroke Pines to some other Florida cities:

City	Full Coverage Insurance	Liability Insurance Coverage
Pembroke Pines	$278	$98
Hialeah	$317	$123
Jacksonville	$219	$74
Tampa	$313	$116
Orlando	$236	$87

How Bundling Your Car and Homeowners Insurance Can Save You Money in Pembroke Pines

Many people who need more than one type of policy have found benefits from buying them all from one insurer, a term known as bundling. People most often bundle auto coverage with homeowners’ insurance. Bundling provides benefits such as policy savings (up to 25% off all your policies), easy policy management, and just one bill to remember each month.

Anytime you need another type of coverage — such as RV, motorcycle, boat, or landlord insurance — ask your agent about adding it to your already bundled policies.

There’s no need to drive all around town looking for your different coverage types at different insurance offices — your one-stop-shop agent will provide you with customized options all in one place to put together a high-quality insurance bundle with cost savings.

What Types of Car Insurance Discounts Are Available in Pembroke Pines?

Another way to save on your policy is by taking advantage of discounts. Any time your circumstances change, you may become eligible. So, if you have, for example, joined the military or married, ask your agent if you can get another reduction.

Here are some other discount options:

• New car
• Low mileage
• Car safety features
• Claims-free driving record
• Passing a safe driver course

Notable Car Insurance Laws in Pembroke Pines

Florida law requires drivers to carry insurance to register a vehicle. Florida law also requires all people who have been in the state for 90 of the previous 365 days to carry minimum coverage — these days need not be consecutive.

Even if you have a non-operational vehicle, you must purchase coverage for it. And before you cancel your coverage, you must surrender your vehicle’s license plate. The state also has specific insurance requirements if you register your vehicle as a taxi.

What Are the Mandatory Car Insurance Requirements in Pembroke Pines?

Here are Florida’s minimum insurance requirements:

• $10,000 personal injury protection (covers up to 80% of your own medical bills)
• $10,000 property damage liability (covers damage you cause to someone else in an accident)

Florida requires the following coverages if you register your vehicle as a rideshare vehicle, referred to as a taxi:

• $125,000 bodily injury liability per person
• $250,000 bodily injury liability per occurrence
• $50,000 property damage liability

A serious accident may result in costs far beyond these minimums. Consider bumping up your coverage to lower the amount you risk paying out of pocket.

What Is the Penalty for Driving Without Insurance in Pembroke Pines?

Make sure to keep up with your insurance payments. One way to avoid an unintentional coverage lapse is by paying your policy bill in full up front — doing so may also earn you a discount on your coverage.

If your coverage inadvertently lapses, you will not be allowed to register your vehicle when it is up for renewal. If you are caught driving uninsured, you may have your driver’s license, registration, and car’s license plate suspended for up to three years and be required to pay fees of up to $500.

What Factors Go into My Car Insurance Cost in Pembroke Pines?

Along with your zip code, insurers review and base premiums on your personal information.

Here are some of the factors insurers look at to determine your risk of filing a claim:

• Your age
• Credit history
• Marital status
• Driving record
• Claims history

Typical Driving Conditions in Pembroke Pines

The city of Pembroke Pines is responsible for maintaining 250 of the approximately 600 miles of roads within the municipality. State, county, and private entities maintain the remaining stretches. Roads such as I-75 may become clogged with heavy traffic, especially during daily rush hours. Florida SR 820, also known as Pines Boulevard, takes travelers through the center of Pembroke Pines and is heavily used by commuters.

How Many Car Accidents Happen in Pembroke Pines Per Year?

The National Highway Traffic Safety Administration reported 3,183 fatal accidents in 2023 in the state of Florida. Here are some of those accidents that happened:

City	Annual Average Number of Fatal Car Crashes
Pembroke Pines	11
Hialeah	22
Jacksonville	151
Tampa	49
Orlando	39

How Many Uninsured/Underinsured Motorists Are in Pembroke Pines?

The Insurance Information Institute reported that, in 2023, 21% of Florida drivers had no insurance. This number places Florida seventh on the list of the states with the most uninsured drivers.

Protect yourself from becoming a statistic by having the best auto insurance. Your agent can answer questions about the minimum required coverage and add-ons, such as uninsured/underinsured motorist coverage.