How Much Does Car Insurance Cost in Hollywood, FL?
Full coverage car insurance in Hollywood, FL runs about $467 a month ($5,601 a year) in 2026, well above the U.S. average. One reason: Florida carries one of the nation’s highest uninsured-motorist rates — close to 20% of drivers, per the Insurance Information Institute — which pushes up the cost of the uninsured/underinsured motorist protection most Hollywood drivers carry. Rates vary widely by carrier, with GEICO’s full-coverage quotes in the area starting near $337 a month, so comparing multiple Florida car insurance quotes side by side is the fastest way to cut your premium.
Rates last verified and updated: July 2026.
How much should you expect to pay on average for car insurance in Hollywood?
Average Hollywood Car Insurance Rates:
- State Minimum Liability: You can expect to pay $155 a month or $1,861 a year.
- Full Coverage: You can expect to pay $467 a month or $5,601 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Hollywood – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Providers in Hollywood?
- In Hollywood on average the cheapest auto insurance providers are GEICO, State Farm and Direct Auto.
- State minimum liability car insurance starts at $93 a month or $1,119 a year.
- Full coverage car insurance costs around $337 a month or $3,451 a year.
Here is a breakdown of average costs from the cheapest local insurance providers in Hollywood from our data set of used-car drivers who are single, middle aged and have a clean driving record.
| Insurance Provider: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| GEICO | $1,119 | $93 | $4,048 | $337 |
| State Farm | $1,181 | $98 | $3,069 | $256 |
| Direct Auto | $1,645 | $137 | $5,713 | $476 |
| Allstate | $1,819 | $152 | $6,003 | $500 |
| Progressive | $1,832 | $153 | $4,354 | $363 |
How Much Car Insurance is Required in Florida?
In Florida, here is the amount of auto insurance coverage that is required by the state to operate a vehicle legally:
- Personal Injury Protection (PIP):
- $10,000 in PIP coverage is required.
- Property Damage Liability (PDL):
- $10,000 in PDL coverage is required.
Florida is a “no-fault” state, which means that drivers are required to carry PIP coverage to help pay for their own medical expenses and those of their passengers regardless of who is at fault in an accident.
The minimum coverage required in Florida (i.e., PIP and PDL) might not be sufficient to cover all expenses in the event of a severe accident. Additional coverage beyond the state’s minimum requirements may be advisable for better financial protection.
When purchasing car insurance in Florida, consider factors such as the value of your assets, your driving habits, potential risks, and your budget.
How to Save Money on Auto Insurance Policies
You can save money on your auto insurance by:
- Getting quotes from different companies and comparing prices.
- Taking a Defensive Driving Course to lower your rates.
- Asking about discounts for security features, such as anti-lock brakes, air bags, and passive restraint systems.
- Seeking companies that offer bundle discounts for home and auto insurance.
If you are older than 18 and you haven’t bought auto insurance before, you may have to pay higher rates. However, you can save money by asking about discounts that may be available to you. For inexperienced and younger drivers, these include discounts for good grades and driving safely.
Full coverage in Hollywood runs about $467 a month ($5,601 a year) in 2026, with state-minimum liability far lower. Look at the carrier table above and the range is stark: between the cheapest and priciest full-coverage quote, the gap exceeds $240/month for the very same protection. Two Hollywood drivers on the same street can pay wildly different premiums purely on carrier choice.
It is not mandatory, but it is hard to argue against here. The Insurance Information Institute puts close to 20% of Florida drivers on the road without insurance, and Florida’s PIP system caps medical payments at $10,000 — an amount a serious Broward County collision burns through quickly. Uninsured/underinsured motorist coverage is what picks up the remainder, which is why most Hollywood drivers carry it.
Indirectly, yes. The bar and restaurant corridor along Hollywood Boulevard, Young Circle and the A1A beachfront generates a documented pattern of late-night impaired-driving collisions on the roads linking the beach to residential neighborhoods. Carriers rate by ZIP code, so claim frequency in those corridors feeds into what nearby Hollywood households are quoted even if they never drive at 2 a.m.
State Farm is cheaper for full coverage in our Hollywood data at $256 a month against GEICO’s $337. GEICO wins on state-minimum liability at $93 a month versus State Farm’s $98. Direct Auto, Allstate and Progressive all price full coverage above both, with Allstate highest at $500 a month, so the right answer depends on which coverage level you actually need.
Requote with three or more of the five carriers above before you renew — that alone is worth over $240 a month at the extremes. Then check whether your uninsured motorist limits are stacked or unstacked, since unstacked is cheaper but pays less; ask about telematics if your commute avoids peak I-95 hours; and bundle auto with renters or Florida home insurance for a multi-policy discount if you have not already.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
