Pembroke Pines, FL Car Insurance

How much does auto insurance cost in Pembroke Pines?


The average cost of car insurance in Pembroke Pines, Florida, is $2,705 each year. That's pricier than the average across Florida ($2,309) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Pembroke Pines.


CAR INSURANCE: PEMBROKE PINES RATES VS. STATE + NATIONAL AVERAGES
Pembroke Pines Average (annual)Florida AverageNational Average
$2,705$2,309$1,548

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Pembroke Pines car insurance rates by company


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical insurance customer, State Farm provides Pembroke Pines's cheapest rates. Reference below the top options for affordable insurance in Pembroke Pines. Don't forget to get car insurance quotes based on your unique driving profile.


PEMBROKE PINES AUTO INSURANCE PREMIUMS BY COMPANY
Insurance CompanyAverage Rate (annual)
State Farm$1,963
GEICO$2,524
Progressive$3,210
Allstate$3,490

Read our guide to finding the best cheap auto insurance.



Pembroke Pines car insurance premiums by age

Pembroke Pines drivers in their age_50s enjoy relatively affordable auto insurance rates, paying just $2,464per year, on average. Drivers in their age_60s pay marginally higher rates — $2,522 per year.

The Pembroke Pines drivers who pay the highest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Pembroke Pines is to age out of your teens. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Pembroke Pines is $4,341. That's the biggest gap in premiums between any pair of age brackets.


PEMBROKE PINES AUTO INSURANCE COSTS BY AGE
Age bracketAverage Annual Rate
Teenagers$7,809
20s$3,469
30s$2,692
40s$2,633
50s$2,464
60s$2,522
70s$3,091

Learn more about how age influences auto insurance rates.



Pembroke Pines car insurance rates by gender and marital status


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Pembroke Pines pay $114 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Pembroke Pines, single drivers pay more than those who are widowed.

Gender is another factor that can affect auto insurance rates. In Pembroke Pines, female drivers pay $55 per year more than do male drivers for car insurance.


INSURANCE RATES IN PEMBROKE PINES BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$2,760
Male$2,705
Single$2,591
Married$2,591
Divorced$2,705
Widowed$2,658

Learn more about how gender and marital status have on auto insurance rates.



Pembroke Pines auto insurance rates by citation and accident history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Pembroke Pines drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $1,512 per year versus the city average. A ticket for speeding results in a $740 rate hike while a DWI or DUI violation costs $1,376per year in extra insurance expenditures.


AVERAGE PEMBROKE PINES INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Yearly Rate
DWI/DUI$4,081
Reckless Driving$4,217
At-fault Accident (damages less than $1,000)$3,770
At-fault Accident (damages greater than $2,000)$3,770
Speeding Ticket (16-20 mph over speed limit)$3,445

Learn more about how citations can raise your auto insurance rates.



Pembroke Pines auto insurance costs by credit score


In many cases, a driver's credit level is closely correlated with their auto insurance rates. In fact, Pembroke Pines drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 60% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Pembroke Pines, improving your credit to "Fair" could help you earn a $2,076 decrease in annual car insurance rates.


PEMBROKE PINES AUTO INSURANCE RATES BY CREDIT TIER
Credit ScoreAverage Rate (annual)
Very Poor$5,406
Fair$3,330
Good$2,705
Very Good$2,441
Exceptional$2,163

Get additional information on how credit impacts car insurance costs.



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.