Table of content
- Pembroke Pines – introduction
- What cars are predominate in this location?
- How much is car insurance Pembroke Pines, FL?
- Cheapest insurance rates by category in 2024
- What are the types of car insurance policies exist?
- Requirements to get auto insurance in Pembroke Pines
- No-fault insurance laws in Pembroke Pines
- The fines for drivers with invalid insurance
Pembroke Pines – introduction
Pembroke Pines is a city located in the southern part of Broward County, Florida, United States. It is part of the Miami metropolitan area and has a population of over 170,000 people. The city is known for its family-friendly environment, top-rated schools, and numerous parks and recreational facilities.
If you are a driver in Pembroke Pines, it’s important to have car insurance to protect yourself and others on the road. Florida law requires all drivers to have minimum coverage, which includes personal injury protection and property damage liability. However, it’s recommended to have additional coverage to protect yourself in case of an accident or theft.
What cars are predominate in this location?
According to a report by the Florida Department of Highway Safety and Motor Vehicles, the most popular car brands in Florida were Ford, Toyota, and Chevrolet. Other popular car brands include Nissan, Honda, Hyundai, and Kia.
One reason for the popularity of these brands could be their ability to withstand the hot and humid climate of Florida. Cars with efficient air conditioning and good gas mileage are often preferred by Floridians. Additionally, many of these brands offer SUVs, which are popular for their spaciousness and ability to handle various terrains, such as beaches and swampy areas.
Table: Median insurance costs in definite popular car models
| Car Make | Model | Estimated Median Cost |
|---|---|---|
| Ford | Escape | $26,000 |
| Toyota | Camry | $25,000 |
| Chevrolet | Equinox | $28,000 |
| Nissan | Rogue | $28,000 |
| Honda | Civic | $22,000 |
| Hyundai | Tucson | $25,000 |
| Kia | Sorento | $30,000 |
How car brands affect car insurance costs?
Car brands can affect car insurance costs in Pembroke Pines, Florida, as car insurance rates are based on a variety of factors, including the make and model of the car. Here are some ways in which car brands can affect the costs:
- Repair costs: The cost of repairing a car can vary depending on the make and model, and companies take this into account when determining rates. Cars that are more expensive to repair or have rare or expensive parts may have higher rates.
- Safety ratings: Insurance companies also consider the safety ratings of different car models when determining rates. Cars with high safety ratings and advanced safety features, such as backup cameras and blind spot monitoring, may have lower rates.
- Theft rates: Certain car brands and models are more commonly targeted by thieves, which can increase rates for those cars.
- Driver demographics: The type of drivers who tend to purchase certain car brands can also affect rates. For example, sports cars are often associated with younger, riskier drivers, which can result in higher rates for those models.
- Historical claims data: These companies use historical claims data to assess risk and determine rates. If certain car brands have a higher frequency or severity of claims, this can lead to higher rates for those cars.
How much is car insurance Pembroke Pines, FL in 2024?
| Company | Median Cost (per year) | Terms | Coverage Offered |
|---|---|---|---|
| Travelers | $1,200 | 6 or 12 months | Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Personal Injury Protection (PIP), Roadside Assistance, Rental Reimbursement |
| GEICO | $1,100 | 6 or 12 months | Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Personal Injury Protection (PIP), Roadside Assistance, Rental Reimbursement, Mechanical Breakdown Insurance |
| Allstate | $1,400 | 6 or 12 months | Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Personal Injury Protection (PIP), Roadside Assistance, Rental Reimbursement, Accident Forgiveness, New Car Replacement |
| Progressive | $1,300 | 6 or 12 months | Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Personal Injury Protection (PIP), Roadside Assistance, Rental Reimbursement, Accident Forgiveness, Custom Parts and Equipment |
| Nationwide | $1,250 | 6 or 12 months | Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Personal Injury Protection (PIP), Roadside Assistance, Rental Reimbursement, Accident Forgiveness, Gap Coverage |
| State Farm | $1,200 | 6 or 12 months | Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Personal Injury Protection (PIP), Roadside Assistance, Rental Reimbursement, Rideshare Coverage |
| American Family | $1,150 | 6 or 12 months | Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Personal Injury Protection (PIP), Roadside Assistance, Rental Reimbursement, Accident Forgiveness, Gap Coverage |
Cheapest insurance rates by category in 2024
Car insurance is a necessary expense for car owners in the United States. While the costs can vary based on a variety of factors, such as:
- the driver’s age;
- driving record;
- type of car;
- coverage needs.
There are certain companies that tend to offer lower rates than others. In general, the cheapest car insurance options are usually those that offer the most basic coverage options, such as liability insurance. However, it’s important to carefully consider the level of coverage needed to ensure adequate protection in the event of an accident.
Cheapest car insurance for teen drivers, young adults (20, 30 years old), adults (40, 50 years old), seniors (60, 70-year old)
| Driver Category | Average Cost (per year) | Rates | Securities | Companies to Consider |
|---|---|---|---|---|
| Teen Drivers (16-19 years old) | $3,500 to $6,500 | Higher due to inexperience and higher accident risk | Good student discounts, driver education discounts, usage-based programs | GEICO, Progressive, State Farm, Allstate, American Family |
| Young Adults (20-30 years old) | $1,800 to $2,800 | Moderately high due to less driving experience, but lower than teen drivers | Safe driver discounts, usage-based programs, multi-policy discounts | GEICO, Progressive, State Farm, Allstate, American Family, Nationwide |
| Adults (40-50 years old) | $1,200 to $1,800 | Lower due to more driving experience and lower accident risk | Safe driver discounts, multi-policy discounts, usage-based programs | GEICO, Progressive, State Farm, Allstate, American Family, Nationwide, Travelers |
| Seniors (60-70 years old) | $1,000 to $1,500 | Slightly higher due to age-related risks, but still lower than young drivers | Mature driver discounts, defensive driving course discounts, usage-based programs | GEICO, Progressive, State Farm, Allstate, American Family, Nationwide, Travelers, The Hartford (AARP) |
Married drivers
Married drivers are typically eligible for the same coverage options as other drivers. The cost for married drivers can vary based on several factors, including the couple’s age, driving history, type of car, and coverage needs.
Table: Common car insurance options offered to married drivers
| Coverage | Median Costs | Terms | Requirements | Companies to Consider |
|---|---|---|---|---|
| Liability Coverage | $600 to $1,200/year | 6 or 12 months | Required by law in most states | GEICO, Progressive, State Farm, Allstate, American Family, Nationwide, Travelers |
| Collision Coverage | $500 to $1,500/year | 6 or 12 months | Optional, but recommended if the car is financed or leased | GEICO, Progressive, State Farm, Allstate, American Family, Nationwide, Travelers |
| Comprehensive Coverage | $300 to $1,200/year | 6 or 12 months | Optional, but recommended to protect against non-collision incidents such as theft or natural disasters | GEICO, Progressive, State Farm, Allstate, American Family, Nationwide, Travelers |
| Personal Injury Protection (PIP) | $100 to $300/year | 6 or 12 months | Optional, but required in some states | GEICO, Progressive, State Farm, Allstate, American Family, Nationwide, Travelers |
| Uninsured/Underinsured Motorist Coverage | $100 to $300/year | 6 or 12 months | Optional, but recommended to protect against drivers without insurance or insufficient coverage | GEICO, Progressive, State Farm, Allstate, American Family, Nationwide, Travelers |
Military drivers
There are several car insurance programs available for military drivers, including:
- USAA Car Insurance: This company offers car insurance exclusively to military personnel and their families. They offer a variety of coverage options, including liability coverage, collision coverage, comprehensive coverage, personal injury protection, uninsured/underinsured motorist coverage, and roadside assistance. It offers special discounts for military members, including discounts for garaging your car on base, completing a defensive driving course, and having multiple policies.
- GEICO Military Car Insurance: This company offers car insurance to active duty and retired military members. They offer a variety of coverage options, including liability coverage, collision coverage, comprehensive coverage, personal injury protection, uninsured/underinsured motorist coverage, and roadside assistance. It also offers special discounts for military members, including a discount for garaging your car on base and a discount for serving in certain eligible military occupations.
- Navy Federal Credit Union Car Insurance: This company offers car insurance to members of the military and their families. They offer a variety of coverage options, including liability coverage, collision coverage, comprehensive coverage, personal injury protection, uninsured/underinsured motorist coverage, and roadside assistance. It also offers special discounts for military members, including a discount for garaging your car on base and a discount for having multiple policies.
The cost for military drivers can vary based on several factors, including the driver’s age, driving history, type of car, and coverage needs. Here is some estimated median costs for specific car models:
| Car Model | Median Cost per Year |
|---|---|
| Toyota 2015 | $1,200 to $1,500 |
| Ford | $1,200 to $1,600 |
| Kia | $1,200 to $1,500 |
| Chevrolet | $1,300 to $1,800 |
Free-accident drivers
Car insurance for free-accident drivers, also known as accident-free drivers, typically comes with lower insurance premiums since these drivers have a good driving history and are considered lower risk. Most companies offer discounts for drivers who have a clean driving record without any accidents or traffic violations within a certain period, such as three or five years.
To qualify for accident-free insurance, drivers typically need to provide proof of their accident-free driving history. This may include providing a copy of their driving record or insurance claims history. Some companies may also require a written statement from the driver attesting to their accident-free status.
Table: Top car insurance companies operating in Pembroke Pines, FL, that offer accident-free discounts
| Company | Median Cost per Year | Accident-Free Discount | Additional Discounts |
|---|---|---|---|
| GEICO | $1,100 to $1,400 | Up to 26% | Good student, multi-policy, federal employee, military |
| State Farm | $1,200 to $1,500 | Up to 25% | Defensive driving, good student, accident-free |
| Nationwide | $1,250 to $1,600 | Up to 20% | Multi-policy, accident-free, good student |
| Allstate | $1,400 to $1,800 | Up to 35% | Multi-policy, accident-free, good student |
| Progressive | $1,300 to $1,700 | Up to 31% | Multi-policy, homeowner, online quote |
Cheapest options after a speeding ticket
The cost of a speeding ticket in Pembroke Pines, FL, can vary depending on the speed at which the driver was traveling and other factors such as the driver’s age and driving history. Generally, the cost of a speeding ticket can range from around $100 to $300 or more, depending on the specific circumstances of the violation.
In addition to the fine for the speeding ticket, drivers in Florida may also receive points on their driving record. For example, a speeding ticket for going 1 to 15 mph over the speed limit will result in three points on the driver’s license, while a ticket for going 16 mph or more over the speed limit will result in four points. Accumulating too many points on a driving record can result in license suspension or revocation, which can also have additional costs and implications.
Speeding tickets can also have an impact on car insurance costs. The companies may view drivers with a history of speeding tickets as higher risk and may increase their insurance premiums as a result. The amount of the increase can vary depending on the driver’s history and the specific company, but it’s not uncommon for insurance premiums to increase by several hundred dollars per year for drivers with a recent history of speeding tickets.
Table: Estimated median costs for car insurance after receiving one or several speeding tickets
| Number of Speeding Tickets | Estimated Median Increase in Costs |
|---|---|
| 1 speeding ticket | $400 to $600/year |
| 2 or more speeding tickets | $800 to $1,200/year |
Liability-only car insurance
Table: Median costs, options, and services for liability-only car insurance in Pembroke Pines, FL
| Company | Median Cost of Liability-Only per Year | Coverage Options | Additional Services |
|---|---|---|---|
| GEICO | $400 to $600 | Bodily injury liability, property damage liability | Emergency roadside service, rental car reimbursement |
| State Farm | $450 to $650 | Bodily injury liability, property damage liability | Emergency roadside service, car rental and travel expenses |
| Nationwide | $500 to $750 | Bodily injury liability, property damage liability | Roadside assistance, rental car reimbursement, accident forgiveness |
| Allstate | $600 to $900 | Bodily injury liability, property damage liability | Roadside assistance, rental reimbursement, accident forgiveness |
| Progressive | $550 to $800 | Bodily injury liability, property damage liability | Roadside assistance, rental car reimbursement, custom parts and equipment value |
Median car insurance costs for a DUI
Getting a DUI in Pembroke Pines, FL can result in significant consequences, including fines, license suspension, and higher rates. Most companies consider a DUI conviction to be a major traffic violation and may significantly increase the driver’s car insurance premiums or may even cancel the policy. Here is a table with estimated median costs and services for car insurance after a DUI:
| Company | Median Cost per Year after a DUI | Coverage Options | Additional Services |
|---|---|---|---|
| GEICO | $4,000 to $6,000 | Liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection (PIP) | SR-22 filing assistance, rental reimbursement, mechanical breakdown insurance |
| State Farm | $5,000 to $8,000 | Liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection (PIP) | Rideshare coverage, accident forgiveness |
| Nationwide | $6,000 to $10,000 | Liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection (PIP) | Roadside assistance, rental car reimbursement, gap insurance |
| Allstate | $7,000 to $12,000 | Liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection (PIP) | Accident forgiveness, new car replacement, sound system insurance |
| Progressive | $8,000 to $14,000 | Liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection (PIP) | Custom parts and equipment value, roadside assistance, rental car reimbursement |
After an incident
| Incident Type | Estimated Cost Increase | Percentage Increase | Changes in Coverage |
|---|---|---|---|
| Light Incident (eg. fender bender) | $100 to $200 | 5% to 15% | No significant changes in coverage |
| Mild Incident (eg. accident with minor injuries) | $400 to $600 | 15% to 25% | Possible reduction in coverage for collision or comprehensive |
| Severe Incident (eg. major accident with injuries or total loss) | $1,000 to $2,000 or more | 30% to 50% or more | Significant reduction in coverage or policy cancellation, possible requirement of an SR-22 filing, higher deductibles |
Car insurance for a bad credit
Having a bad credit score can impact car insurance costs for some drivers. The companies may use credit-based insurance scores to determine a driver’s risk level and set premiums. A bad credit score is typically considered to be below 600, although this can vary by the company.
| Company | Median Cost with Bad Credit | Percentage Increase in Cost |
|---|---|---|
| GEICO | $1,800 to $2,500 | 20% to 35% |
| State Farm | $2,000 to $3,000 | 25% to 50% |
| Nationwide | $2,500 to $3,500 | 30% to 50% |
| Allstate | $3,000 to $4,500 | 40% to 70% |
| Progressive | $3,500 to $5,000 | 50% to 75% |
Sports cars
A sports car is generally defined as a high-performance vehicle designed for speed and handling, typically with two doors and a sporty appearance. Some examples of sports cars include the Chevrolet Corvette, Ford Mustang, Porsche 911, and Nissan GT-R.
The cost a driver pays for car insurance in Pembroke Pines, FL, for a sports car can vary depending on several factors, including the driver’s age, driving history, and the type of sports car they own. Generally, sports cars can be more expensive to insure than other types of vehicles due to their higher risk of accidents and theft, and their higher repair costs.
According to a 2021 study by Bankrate, the average cost of car insurance for a sports car in Florida can range from $1,500 to $3,000 per year, or more, depending on the specific make and model. Some insurance companies may charge even higher premiums for sports cars, while others may offer discounts for safety features, good driving records, or other factors.
We provide a statistical data about what a driver should pay a year:
| Sports Car | Estimated Median Cost |
|---|---|
| Chevrolet Corvette | $2,000 to $3,000 per year |
| Ford Mustang | $1,800 to $2,500 per year |
| Porsche 911 | $3,000 to $4,500 per year |
| Nissan GT-R | $3,500 to $5,000 per year |
What are the types of car insurance policies exist?
There are several types of car insurance policies available in Pembroke Pines, Florida. Here are some of the most common types of policies:
- Liability insurance – This is the most basic type of policy required by law in Florida. It covers damages or injuries that you may cause to others in an accident, but it does not cover damages to your own vehicle.
- Collision insurance – This type of policy covers damages to your own vehicle in an accident, regardless of who is at fault.
- Comprehensive insurance – This type of policy covers non-collision damages to your vehicle, such as theft, vandalism, or natural disasters.
- Uninsured/Underinsured Motorist insurance – This type of policy provides coverage if you are in an accident with someone who does not have enough insurance to cover the damages.
- Personal Injury Protection (PIP) – This type of policy is also required by law in Florida and provides coverage for medical expenses and lost wages for you and your passengers, regardless of who is at fault in an accident.
- Gap insurance – This type of policy covers the difference between the actual value of your vehicle and the amount you still owe on your loan or lease.
What documents are required to get auto insurance in Pembroke Pines, FL?
To issue a policy in Pembroke Pines, Florida, you will need to provide some personal information and documentation to the company. Here are some of the most common documents required to issue a policy:
- Driver’s license – You will need to provide a valid driver’s license to verify your identity and driving record.
- Vehicle information – You will need to provide information about the vehicle you want to insure, including the make, model, year, and VIN (Vehicle Identification Number).
- Personal information – You will need to provide personal information, such as your name, address, and date of birth.
- Prior insurance information – If you have had car insurance before, you may need to provide information about your prior coverage.
No-fault insurance laws in Pembroke Pines
- Florida is a “no-fault” state, which means that drivers are required to carry Personal Injury Protection (PIP) insurance to cover medical expenses and lost wages in the event of an accident, regardless of who is at fault.
- Under Florida’s no-fault insurance laws, drivers must carry a minimum of $10,000 in PIP coverage and $10,000 in property damage liability coverage.
- PIP insurance covers medical expenses and lost wages up to the limit of your policy, regardless of who caused the accident.
- PIP insurance is designed to provide quick and easy access to medical care and benefits without the need for a lengthy legal process to determine who is at fault.
- However, drivers in Florida may still be able to pursue legal action against the at-fault driver to recover damages beyond their PIP coverage in cases of serious injury or death.
- Florida’s no-fault insurance laws also require drivers to carry property damage liability coverage to cover damages to other people’s property in the event of an accident.
- Drivers in Florida may choose to purchase additional insurance coverage beyond the minimum requirements to provide greater protection in the event of an accident.
- It’s important to consult with a local insurance provider to understand the specific insurance requirements and options available in Pembroke Pines, FL.
The fines for drivers with invalid insurance
Driving without valid insurance in Pembroke Pines, Florida can result in fines and penalties. Here are the possible fines and penalties for driving without valid insurance in Pembroke Pines:
- First offense: A fine of $150 to $500 and a suspension of your license and registration until you provide proof of insurance.
- Second offense: A fine of $250 to $1,000 and a suspension of your license and registration until you provide proof of insurance.
- Third and subsequent offenses: A fine of $500 to $5,000, a suspension of your license and registration for up to three years, and the possibility of community service and/or imprisonment.
The advantages to get the policy
There are many advantages to getting a car insurance policy, including:
- Financial protection – Car insurance provides financial protection in the event of an accident or theft, covering the cost of repairs or replacement of your vehicle.
- Legal compliance – Most states require drivers to carry a minimum amount of car insurance to legally operate a vehicle, so having car insurance ensures that you are in compliance with state laws.
- Liability protection – Car insurance can also provide liability protection, covering the cost of damages and injuries to other people or their property in the event of an accident for which you are at fault.
- Peace of mind – Knowing that you are covered in the event of an accident or theft can provide peace of mind and reduce stress.
- Additional benefits – Some car insurance policies may offer additional benefits, such as roadside assistance, rental car coverage, and accident forgiveness.
- Discounts – Many car insurance providers offer discounts for safe driving, multiple cars, bundling policies, and other factors, which can help lower your insurance premiums.