How Much Does Car Insurance Cost in Hollywood, FL?
Full coverage car insurance in Hollywood, FL runs about $395 a month ($4,738 a year) for our benchmark driver 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 full-coverage averages in Hollywood ranging from about $272 a month at Travelers to $506 at Progressive, 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 $149 a month or $1,788 a year.
- Full Coverage: You can expect to pay $395 a month or $4,738 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.
Cost data comes from the auto rates insurers file with state regulators, priced across the 9 Hollywood ZIP codes we price, compiled by Quadrant Information Services and updated as new rates are filed.
Cheapest Car Insurance Providers in Hollywood?
- In Hollywood, Travelers has the lowest average full-coverage rate, and GEICO has the lowest state-minimum rate in our rate data.
- The cheapest state minimum liability car insurance in Hollywood averages about $102 a month ($1,229 a year) with GEICO.
- The cheapest full coverage car insurance for our benchmark driver in Hollywood averages about $272 a month ($3,261 a year) with Travelers.
The table below shows Hollywood averages by insurer for our benchmark driver (a single 40-year-old with good credit and a clean record), based on the rates insurers had filed with state regulators as of Aug. 31, 2026, across the 9 Hollywood ZIP codes in our sample. It covers the 4 insurers in our Florida data; your price depends on your exact ZIP code and driving record.
Full-coverage averages by insurer in Hollywood
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Provider: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Travelers | $1,405 | $117 | $3,261 | $272 |
| GEICO | $1,229 | $102 | $3,852 | $321 |
| Allstate | $1,970 | $164 | $5,769 | $481 |
| Progressive | $2,546 | $212 | $6,072 | $506 |
Your ZIP code matters
How Hollywood Car Insurance Compares With Nearby Florida Cities
Hollywood averages about $395 a month for full coverage. Fort Lauderdale, the nearest city we cover, runs about $9 a month less for the same driver and coverage.
Every Florida city we price is in the Florida city rates table, and you can compare states on our car insurance rates by state page.
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.
Want to save even more? Bundling your car with Florida home insurance rates usually earns a multi-policy discount, so price both together.
Ready to compare
How We Calculated Hollywood Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 72 modeled quotes (36 full coverage and 36 state minimum) from 4 insurers across the 9 Hollywood ZIP codes.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles. State minimum is the $10,000 personal injury protection (PIP) and $10,000 property damage liability Florida requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: an insurer is ranked only where it has a price in at least half of the ZIP codes we sample. Prices within 3% of each other are called effectively tied, and when the lowest price is more than 30% below the next one we hold back the “cheapest” label until the figure is reviewed.
- What we leave out: prices that depend on something our driver doesn’t have (a telematics program, an anti-theft device or a membership) and insurers closed to new business in Florida.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving history, credit and discounts.
Coverage requirements come from the Florida Department of Highway Safety and Motor Vehicles. We refresh these figures when new rate data is released.
Full coverage in Hollywood runs about $395 a month ($4,738 a year) in 2026, with state-minimum liability about $149 a month. Look at the carrier table above and the range is stark: between the cheapest and priciest full-coverage quote, the gap exceeds $230/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 isn’t in our Florida rate data, so we can’t compare the two directly; in Hollywood, GEICO averages about $321 a month for full coverage, behind Travelers at $272. GEICO has the lowest state-minimum average in our Hollywood data, at about $102 a month. Allstate and Progressive price full coverage higher, at $481 and $506 a month, so get quotes from both GEICO and State Farm with your Hollywood ZIP code.
Requote with three or more of the carriers above before you renew — that alone is worth over $230 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.
