How Much Does Car Insurance Cost in Pembroke Pines, FL?
If you’re in Pembroke Pines and looking to compare car insurance quotes, InsuranceQuotes can assist you. We conveniently allow you to evaluate various auto insurance policy rates offered by both local and national insurance providers in an efficient manner, helping you save valuable time and money.Make informed decisions about your car insurance coverage without taxing research tasks being on your schedule. We can help guide you towards finding the cheapest rates available for your specific needs.
How much should you expect to pay on average for car insurance in Pembroke Pines?
Average Pembroke Pines Car Insurance Rates:
- State Minimum Liability: You can expect to pay $140 a month or $1,676 a year.
- Full Coverage: You can expect to pay $372 a month or $4,463 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Pembroke Pines – 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 1 Pembroke Pines ZIP code we price, compiled by Quadrant Information Services and updated as new rates are filed.
Cheapest Car Insurance Providers in Florida (Statewide)
- Statewide, Travelers has the lowest average full-coverage rate and GEICO has the lowest state-minimum rate in our Florida rate data.
- The cheapest state minimum liability car insurance averages about $82 a month ($981 a year) with GEICO.
- The cheapest full coverage car insurance for our benchmark driver averages about $207 a month ($2,478 a year) with Travelers.
The table below shows statewide Florida 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. It covers the 4 insurers in our Florida data. Your price in Pembroke Pines depends on your ZIP code, so compare quotes.
| Insurance Provider: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Travelers | $1,086 | $91 | $2,478 | $207 |
| GEICO | $981 | $82 | $3,001 | $250 |
| Allstate | $1,634 | $136 | $4,867 | $406 |
| Progressive | $2,300 | $192 | $5,433 | $453 |
| State Farm (Nov. 2025 rates)* | $1,189 | $99 | $2,656 | $221 |
Your ZIP code matters
How Pembroke Pines Car Insurance Compares With Nearby Florida Cities
Pembroke Pines averages about $372 a month for full coverage. Hollywood, the nearest city we cover, runs about $23 a month more 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.
Pembroke Pines car insurance averages about $372 per month for full coverage for our benchmark driver, based on the rates insurers had filed with state regulators as of Aug. 31, 2026 (one sampled ZIP code). Comparing quotes from multiple carriers using your exact ZIP code and driver profile is the most reliable way to find your lowest rate.
Bundling helps too. Most insurers take a percentage off both policies when you insure your car and home together, so check Florida home insurance rates as well.
Ready to compare
How We Calculated Pembroke Pines 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: 8 modeled quotes (4 full coverage and 4 state minimum) from 4 insurers across the 1 Pembroke Pines ZIP code.
- 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.
Car insurance in Pembroke Pines, FL averages about $372 per month for full coverage in 2026 — well above the national average. Florida is one of the most expensive states due to its no-fault PIP requirement, high litigation rates, and large uninsured motorist population. Minimum coverage in Pembroke Pines averages about $140 per month. GEICO has the lowest average state-minimum rate in our Florida data, at about $82/month. Comparing multiple quotes is critical since the rate gap between insurers can exceed $100/month for the same coverage.
Yes. Florida is a no-fault state requiring all drivers to carry $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). PIP pays 80% of your medical bills and 60% of lost wages after an accident regardless of fault. Florida’s no-fault law remains fully in effect in 2026 — legislative efforts to repeal it in recent sessions have not passed. Bodily injury liability is not required under Florida’s minimums, but most Pembroke Pines drivers should carry it for real financial protection.
An FR-44 is a certificate of financial responsibility required in Florida after a DUI or DWI conviction. Unlike a standard SR-22, Florida’s FR-44 requires double the state minimum liability limits — at least $100,000 per person and $300,000 per accident for bodily injury, plus $50,000 in property damage. Your insurer files it with the Florida DHSMV on your behalf. FR-44 requirements typically last three years after license reinstatement and significantly increase premiums. Florida is one of only two states (with Virginia) that requires an FR-44 rather than a standard SR-22.
For Pembroke Pines, FL drivers in 2026, Travelers and GEICO have the lowest average rates in our Florida rate data. GEICO minimum coverage averages about $82/month statewide. Travelers averages about $207/month for full coverage. Statewide, Travelers has the lowest full-coverage average in our data. For high-risk drivers needing SR-22 or FR-44 filings, Dairyland and Bristol West specialize in non-standard Florida coverage. Always compare at least three to four quotes since Florida’s market is highly competitive and rates vary by more than $100/month between carriers for identical coverage.
To reduce your Pembroke Pines car insurance: (1) Compare at least three carrier quotes annually since Florida rate gaps can exceed $100/month. (2) Raise your deductible on collision and comprehensive to $1,000 to cut premiums 10 to 15%. (3) Bundle auto and home or renters for a 5 to 15% multi-policy discount. (4) Maintain a clean record since one at-fault accident raises Florida rates by $75 to $100/month on average. (5) Ask about low-mileage discounts if you drive under 10,000 miles per year. (6) Consider dropping collision coverage on vehicles worth less than $4,000.
