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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 in 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.
CAR INSURANCE: PEMBROKE PINES RATES VS. STATE + NATIONAL AVERAGES
|Pembroke Pines Average (annual)||Florida Average||National Average|
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. Find savings by getting free car insurance quotes based on your unique driving profile.
PEMBROKE PINES AUTO INSURANCE PREMIUMS BY COMPANY
|Insurance Company||Average Rate (annual)|
Pembroke Pines drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $2,464 per year, on average. Drivers in their 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 bracket||Average Annual Rate|
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.
INSURANCE RATES IN PEMBROKE PINES BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Annual Rate|
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 $1,376 per year in extra insurance expenditures.
AVERAGE PEMBROKE PINES INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident||Average Yearly Rate|
|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|
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 Score||Average Rate (annual)|
Find an affordable policy today by comparing rates side-by-side.
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.