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Cheapest Car Insurance Rates in Pembroke Pines, florida

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Driving Conditions in Pembroke Pines, florida

At White Chip Insurance we understand the importance of finding the best carriers for our clients.

127Rainy Days a Year
61 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Pembroke Pines, florida Car Insurance Rates by Provider

With various car insurance providers to choose from in Pembroke Pines, Florida, such as, Geico, Progressive, State Farm, Allstate, and USAA, it is important that you make sure you are getting the best rates possible. White Chip Insurance will utilize their relationship with each of these insurance providers to ensure you are receiving cheap car insurance in Pembroke Pines, Florida.

ProviderAverage Annual Rate
State Farm$1,963
GEICO$2,524
Progressive$3,210
Allstate$3,490

Pembroke Pines, florida Car Insurance Rates by Age

Car insurance rates in the city of Pembroke Pines are going to differ depending on the age of the driver. Usually, insurance companies will require younger drivers to pay higher premiums due to age qualifying as a risk factor when insurance companies are determining premiums. White Chip Insurance commits to providing cheap insurance rates to all drivers, no matter their age.

AgeAverage Annual Rate
16-19$7,809
20s$3,469
30s$2,692
40s$2,633
50s$2,464
60s$2,522
70s$3,091

Pembroke Pines, florida Car Insurance Rates by Gender and Marital Status

In Pembroke Pines, Florida, car insurance rates do not typically differ based on gender. This is because car insurance companies cannot use gender as a factor in their pricing models. Some states have laws that prohibit insurers from using gender as a factor when setting rates. In Pembroke Pines, Florida, female drivers pay slightly more than male drivers on average. Marital status can affect car insurance rates. Married couples generally pay less for car insurance than single drivers because they are seen as more responsible and less likely to take risks behind the wheel. In Pembroke Pines, Florida, divorced or widowed drivers can expect to pay slightly higher rates than single or married drivers.

Gender and Marital StatusAverage Annual Rate
Married$2,591
Divorced$2,705
Widowed$2,658
Female$2,760
Male$2,705
Single$2,705

Pembroke Pines, florida Car Insurance Rates by Driving Record

Car insurance rates are determined by many factors including the driver’s driving record. A driver with a clean driving record is likely to have lower car insurance premiums than someone with a poor driving record. Insurers may also offer discounts for drivers with clean records or reward them with lower rates. Conversely, drivers with poor driving records may be charged higher rates or be required to pay higher deductibles. Drivers who have had a DUI conviction or multiple traffic violations may be charged significantly higher rates. In Pembroke Pines, Florida, the average car insurance rate for a driver with a clean record is $1,895 per year, while the average rate for a driver with a poor record is $4,081 per year.

Driving RecordAverage Annual Rate
DUI/DWI$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 (16-20mph over speed limit)$3,445

Pembroke Pines, florida Car Insurance Rates by Credit Score

Credit score is often taken into consideration when determining car insurance rates. Generally, the higher the credit score, the lower the car insurance rates. Since car insurance companies take into account an individual's financial history when determining rates, those with higher credit scores may be seen as more responsible and therefore may be able to access lower rates.

Low credit score? No worries - White Chip Insurance is dedicated to providing the cheapest car insurance rates in Pembroke Pines, Florida to drivers of all credit scores. Contact us today to learn more.

Credit ScoreAverage Annual Rate
300 - 570$5,406
580 - 669$3,330
670 - 739$2,705
740 - 799$2,441
800 - 850$2,163

Cheapest Area Codes in Pembroke Pines, florida

Some zip codes in Pembroke Pines, Florida are more expensive due to their proximity to desirable areas with better job prospects, educational opportunities, and access to amenities such as shopping, dining, and entertainment. Other factors that can contribute to higher prices in certain areas include quality of schools and safety of the neighborhood. The most expensive zip code in Pembroke Pines, Florida is 33029, with an average home value of $692,000. The least expensive zip code in Pembroke Pines, Florida is 33015, with an average home value of $391,200.

Most Expensive Pembroke Pines, florida ZIP Codes

33023, 33027, 33332, 33022, 33015

Least Expensive Pembroke Pines, florida ZIP Codes

33028, 33026, 33029, 33025, 33024

Local Amenities in Pembroke Pines, florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the Tampa, Florida insurance business for several years. Check out some of Tampa’s most notable local amenities below.

Pembroke Pines, florida Car Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Car Insurance.

What is the average cost for car insurance in Florida?

According to the Insurance Information Institue, the average cost of car insurance in Florida is $1,939 per year. The most expensive car insurance is found in the city of Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698. The average cost of car insurance in Pembroke Pines is $2,203.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state runs a high risk of natural disasters, like hurricanes and floods, and also has a high rate of car theft. Also, Florida is a no fault state, which means that drivers are personally responsible for their own medical expenses regardless of who is at fault in an accident. All of these factors result in an increase to all types of insurance in Florida.

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How much is car insurance near Pembroke Pines, FL?
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OcalaMiamiFort Lauderdale
OrlandoSt. PetersburgHialeah
HollywoodCape CoralPort St. Lucie
Miami GardensGainesvilleCoral Springs
Lehigh AcresClearwaterPalm Bay
Pompano BeachWest Palm BeachMiramar
LakelandDavieBoca Raton
SunriseSpring HillPlantation
AlafayaFort MyersLargo
BrandonPalm Coast

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