{"id":14423,"date":"2025-12-18T09:52:11","date_gmt":"2025-12-18T17:52:11","guid":{"rendered":"https:\/\/www.insureone.com\/?page_id=14423"},"modified":"2025-12-18T09:52:13","modified_gmt":"2025-12-18T17:52:13","slug":"pembroke-pines-fl","status":"publish","type":"page","link":"https:\/\/www.insureone.com\/auto-insurance\/florida-car-insurance\/pembroke-pines-fl\/","title":{"rendered":"Find Car Insurance in Pembroke Pines, Florida"},"content":{"rendered":"    <div class=\"page-product__content\">\r\n\n\n    <h2>    What You Should Know About Car Insurance in Pembroke Pines, FL<\/h2>\r\n    <\/h2>    <p>Just over 1,400 people lived in an area that came to be known as Pembroke Pines, named after the nearby pine trees, when locals incorporated it as a city in 1960. The city is known for its once-popular (and now closed) live-music venue, the Hollywood Sportatorium, where many big-name musicians played. The population grew after 1992, when Hurricane Andrew struck South Miami-Dade, prompting many residents to relocate north to Pembroke Pines. Today, the city, located in Broward County in the Miami metropolitan area, covers 34.76 square miles.<\/p>\n<p>Recent years have brought significant growth to the city, with the development of new residential communities, a charter school system, and a large shopping mall. The city also offers an ice rink, golfing, and numerous parks for outdoor adventures, such as canoeing and admiring marsh rabbits and other wildlife at Chapel Trail Nature Preserve. Those with ambitions for higher education may attend the South Campus of Broward College or Florida International University.<\/p>\n<p>When you are out and about enjoying everything Pembroke Pines has to offer, be sure you have the best <a href=\"https:\/\/www.insureone.com\/auto-insurance\/florida-car-insurance\/\">car insurance in Florida<\/a> to protect you in your travels. Expert agents are here to help you find just that \u2014 they provide concierge, white-glove service to locate premium coverage at competitive rates.<\/p>\n                       \r\n\n\n    <h2>    How Much Does Car Insurance Cost in Pembroke Pines, Florida?<\/h2>\r\n    <\/h2>    <p>Your exact cost depends on your personal factors, including your claims history. Drivers pay an average of $3,183 for full coverage car insurance in Florida and $1,128 for liability. These prices mean Florida drivers pay more than the national averages: $2,014 for full coverage and $622 for minimum coverage.<\/p>\n                       \r\n\n\n<div class=\"c-quote-widget\">\r\n    <div class=\"c-quote-widget__product\">\r\n        <img decoding=\"async\" class=\"c-quote-widget__icon\" src=\"https:\/\/www.insureone.com\/wp-content\/themes\/insureone\/assets\/images\/quote-widget\/icon-auto.svg\" alt=\"Icon widget 2\" aria-hidden=\"true\" width=\"60\" height=\"25\" loading=\"lazy\">\r\n        <div class=\"c-quote-widget__name\">Auto Insurance<\/div>\r\n    <\/div>\r\n    <div class=\"c-quote-widget__title\">Ready to Get a Quick Quote?<\/div>\r\n    <form class=\"c-quote-widget__form\" id=\"quoteWidget1\" action=\"https:\/\/www.insureone.com\/auto-insurance-quote\" method=\"post\">\r\n        <div class=\"c-quote-widget__item\">\r\n            <label class=\"c-quote-widget__label\" for=\"zipcodeWidget\">Zip Code<\/label>\r\n            <input class=\"c-quote-widget__input only-numbers\" id=\"zipcodeWidget\" type=\"text\" name=\"zipcode\" required maxlength=\"5\" data-validate-field=\"zipcode\">\r\n        <\/div>\r\n                <div class=\"c-quote-widget__controls\">\r\n            <button class=\"c-quote-widget__submit button button_primary\" type=\"submit\">\r\n                <span>Start My Quote<\/span>\r\n                <img decoding=\"async\" class=\"c-quote-widget__loading\" src=\"https:\/\/www.insureone.com\/wp-content\/themes\/insureone\/assets\/images\/loading.svg\" alt=\"Loading Quote\">\r\n            <\/button>\r\n        <\/div>\r\n    <\/form>\r\n<\/div>\n\n    <h2>    What Does It Mean If Pembroke Pines, Florida, Is a No-Fault City?<\/h2>\r\n    <\/h2>    <p>In an at-fault state, the person deemed responsible for the accident is required to pay for the damages. But Pembroke Pines is a no-fault city just like the rest of the state. That means in Florida, each person must cover their own injuries from an accident, regardless of who caused it. No-fault applies only to injuries and not to property damage.<\/p>\n                       \r\n\n\n    <h2>    Affordable Car Insurance Rates Comparison by Cities in Florida<\/h2>\r\n    <\/h2>    <p>Traffic is heavier in some zip codes than others, putting you at greater risk of an accident, which places your insurer at greater risk of paying out on a claim. That is just one reason your zip code helps determine your premium.<\/p>\n<p>The chart below compares the average cost of auto policies in Pembroke Pines to some other Florida cities:<\/p>\n                       \r\n            <table>\r\n                                                                                                            <tr>\r\n                        <th><strong>City<\/strong><\/th>                        <th><strong>Full Coverage Insurance<\/strong><\/th>                        <th><strong>Liability Insurance Coverage<\/strong><\/th>                    <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td><strong>Pembroke Pines<\/strong><\/td>                        <td><strong>$278<\/strong><\/td>                        <td><strong>$98<\/strong><\/td>                    <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td>Hialeah<\/td>                        <td>$317<\/td>                        <td>$123<\/td>                    <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td><a href=\"https:\/\/www.insureone.com\/auto-insurance\/florida-car-insurance\/jacksonville-fl\/\">Jacksonville<\/a><\/td>                        <td>$219<\/td>                        <td>$74<\/td>                    <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td><a href=\"https:\/\/www.insureone.com\/auto-insurance\/florida-car-insurance\/tampa-fl\/\">Tampa<\/a><\/td>                        <td>$313<\/td>                        <td>$116<\/td>                    <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td><a href=\"https:\/\/www.insureone.com\/auto-insurance\/florida-car-insurance\/orlando-fl\/\">Orlando<\/a><\/td>                        <td>$236<\/td>                        <td>$87<\/td>                    <\/tr>\r\n                                                    <\/table>\r\n    \n\n    <h2>    How Bundling Your Car and Homeowners Insurance Can Save You Money in Pembroke Pines<\/h2>\r\n    <\/h2>    <p>Many people who need more than one type of policy have found benefits from buying them all from one insurer, a term known as bundling. People most often bundle <a href=\"https:\/\/www.insureone.com\/auto-insurance\/\">auto coverage<\/a> with <a href=\"https:\/\/www.insureone.com\/homeowners-insurance\/\">homeowners&#8217; insurance<\/a>. Bundling provides benefits such as policy savings (up to 25% off all your policies), easy policy management, and just one bill to remember each month.<\/p>\n<p>Anytime you need another type of coverage \u2014 such as RV, motorcycle, boat, or <a href=\"https:\/\/www.insureone.com\/landlord-insurance-quote\/\">landlord insurance<\/a> \u2014 ask your agent about adding it to your already bundled policies.<\/p>\n<p>There\u2019s no need to drive all around town looking for your different coverage types at different insurance offices \u2014 your one-stop-shop agent will provide you with customized options all in one place to put together a high-quality insurance bundle with cost savings.<\/p>\n                       \r\n\n\n    <h3>What Types of Car Insurance Discounts Are Available in Pembroke Pines?<\/h3>\n<p>Another way to save on your policy is by taking advantage of discounts. Any time your circumstances change, you may become eligible. So, if you have, for example, joined the military or married, ask your agent if you can get another reduction.<\/p>\n<p>Here are some other discount options:<\/p>\n<ul>\n<li>New car<\/li>\n<li>Low mileage<\/li>\n<li>Car safety features<\/li>\n<li>Claims-free driving record<\/li>\n<li>Passing a safe driver course<\/li>\n<\/ul>\n                       \r\n\n\n<div class=\"c-quote-widget c-quote-widget--office\">\r\n    <div class=\"c-quote-widget__product\">\r\n        <img decoding=\"async\" class=\"c-quote-widget__icon\" src=\"https:\/\/www.insureone.com\/wp-content\/themes\/insureone\/assets\/images\/quote-widget\/icon-location.svg\" alt=\"Icon widget location\" aria-hidden=\"true\" width=\"60\" height=\"25\" loading=\"lazy\">\r\n    <\/div>\r\n    <div class=\"c-quote-widget__title\">Find an Office Near You<\/div>\r\n    <form class=\"page-header-quote__form c-quote-widget__form\" action=\"https:\/\/www.insureone.com\/locations\/\" method=\"get\">\r\n        <div class=\"c-quote-widget__item\">\r\n            <label class=\"c-quote-widget__label\" for=\"address\">Search by Zip Code<\/label>\r\n            <input class=\"c-quote-widget__input\" id=\"address\" type=\"text\" name=\"address\" placeholder=\"E.g. 90007\" required maxlength=\"5\" data-validate-field=\"zipcode\">\r\n            <input type=\"hidden\" name=\"radius\" value=\"200\">\r\n        <\/div>\r\n        <div class=\"c-quote-widget__controls\">\r\n            <button class=\"c-quote-widget__submit button button_primary\" type=\"submit\">\r\n                <span>FIND OFFICE<\/span>\r\n            <\/button>\r\n        <\/div>\r\n    <\/form>\r\n<\/div>\n\n    <h2>    Notable Car Insurance Laws in Pembroke Pines<\/h2>\r\n    <\/h2>    <p><a href=\"https:\/\/www.flhsmv.gov\/insurance\/\" target=\"_blank\" rel=\"noopener\">Florida law<\/a> requires drivers to carry insurance to register a vehicle. Florida law also requires all people who have been in the state for 90 of the previous 365 days to carry minimum coverage \u2014 these days need not be consecutive.<\/p>\n<p>Even if you have a non-operational vehicle, you must purchase coverage for it. And before you cancel your coverage, you must surrender your vehicle\u2019s license plate. The state also has specific insurance requirements if you register your vehicle as a taxi.<\/p>\n<h3>What Are the Mandatory Car Insurance Requirements in Pembroke Pines?<\/h3>\n<p>Here are Florida\u2019s minimum insurance requirements:<\/p>\n<ul>\n<li>$10,000 personal injury protection (covers up to 80% of your own medical bills)<\/li>\n<li>$10,000 property damage liability (covers damage you cause to someone else in an accident)<\/li>\n<\/ul>\n<p>Florida requires the following coverages if you register your vehicle as a rideshare vehicle, referred to as a taxi:<\/p>\n<ul>\n<li>$125,000 bodily injury liability per person<\/li>\n<li>$250,000 bodily injury liability per occurrence<\/li>\n<li>$50,000 property damage liability<\/li>\n<\/ul>\n<p>A serious accident may result in costs far beyond these minimums. Consider bumping up your coverage to lower the amount you risk paying out of pocket.<\/p>\n<h3>What Is the Penalty for Driving Without Insurance in Pembroke Pines?<\/h3>\n<p>Make sure to keep up with your insurance payments. One way to avoid an unintentional coverage lapse is by paying your policy bill in full up front \u2014 doing so may also earn you a discount on your coverage.<\/p>\n<p>If your coverage inadvertently lapses, you will not be allowed to register your vehicle when it is up for renewal. If you are caught driving uninsured, you may have your driver\u2019s license, registration, and car\u2019s license plate suspended for up to three years and be required to pay fees of up to $500.<\/p>\n<h3>What Factors Go into My Car Insurance Cost in Pembroke Pines?<\/h3>\n<p>Along with your zip code, insurers review and base premiums on your personal information.<\/p>\n<p>Here are some of the factors insurers look at to determine your risk of filing a claim:<\/p>\n<ul>\n<li>Your age<\/li>\n<li>Credit history<\/li>\n<li>Marital status<\/li>\n<li>Driving record<\/li>\n<li>Claims history<\/li>\n<\/ul>\n                       \r\n\n\n    <div class=\"regular-button__container regular-button__container--centered\">\r\n        <a class=\"regular-button regular-button--uppercase\" target=\"_self\" href=\"\/knowledge-center\/category\/auto-insurance\/faq\/\">\r\n            AUTO FAQ        <\/a>\r\n    <\/div>\r\n\n\n    <h2>    Typical Driving Conditions in Pembroke Pines<\/h2>\r\n    <\/h2>    <p>The city of Pembroke Pines is responsible for maintaining 250 of the approximately 600 miles of roads within the municipality. State, county, and private entities maintain the remaining stretches. Roads such as I-75 may become clogged with heavy traffic, especially during daily rush hours. Florida SR 820, also known as Pines Boulevard, takes travelers through the center of Pembroke Pines and is heavily used by commuters.<\/p>\n                       \r\n\n\n    <h3>How Many Car Accidents Happen in Pembroke Pines Per Year?<\/h3>\n<p>The National Highway Traffic Safety Administration reported 3,183 fatal accidents in 2023 in the state of Florida. Here are some of those accidents that happened:<\/p>\n                       \r\n            <table>\r\n                                                                                                            <tr>\r\n                        <th><strong>City<\/strong><\/th>                        <th><strong>Annual Average Number of Fatal Car Crashes<\/strong><\/th>                                            <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td><strong>Pembroke Pines<\/strong><\/td>                        <td><strong>11<\/strong><\/td>                                            <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td>Hialeah<\/td>                        <td>22<\/td>                                            <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td>Jacksonville<\/td>                        <td>151<\/td>                                            <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td>Tampa<\/td>                        <td>49<\/td>                                            <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td>Orlando<\/td>                        <td>39<\/td>                                            <\/tr>\r\n                                                    <\/table>\r\n    \n\n    <h3>How Many Uninsured\/Underinsured Motorists Are in Pembroke Pines?<\/h3>\n<p>The <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-uninsured-motorists\/\" target=\"_blank\" rel=\"noopener\">Insurance Information Institute<\/a> reported that, in 2023, 21% of Florida drivers had no insurance. This number places Florida seventh on the list of the states with the most uninsured drivers.<\/p>\n<p>Protect yourself from becoming a statistic by having the best auto insurance. Your agent can answer questions about the minimum required coverage and add-ons, such as <a href=\"https:\/\/www.insureone.com\/auto-insurance\/uninsured-motorist-coverage-insurance\/\">uninsured\/underinsured motorist coverage<\/a>.<\/p>\n                       \r\n\n\n<\/div>\r\n\n\n<div class=\"page-product-important left\">\r\n    <div class=\"page-product-important__image\">\r\n        <picture class=\"page-product-important__picture\">\r\n            <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.insureone.com\/wp-content\/uploads\/2025\/12\/ino-find-car-insurance-in-pembroke-pines-fl-2.webp 1x, https:\/\/www.insureone.com\/wp-content\/uploads\/2025\/12\/ino-find-car-insurance-in-pembroke-pines-fl-2.webp 2x\">\r\n            <img decoding=\"async\" src=\"https:\/\/www.insureone.com\/wp-content\/uploads\/2025\/12\/ino-find-car-insurance-in-pembroke-pines-fl-2.webp\" srcset=\"https:\/\/www.insureone.com\/wp-content\/uploads\/2025\/12\/ino-find-car-insurance-in-pembroke-pines-fl-2.webp 2x\" alt=\"Pembroke Pines, FL, USA - January 19, 2025: Aerial photo The Shops at Pembroke Gardens 2025\" width=\"360\" height=\"200\" loading=\"lazy\">\r\n        <\/picture>\r\n    <\/div>\r\n    <div class=\"page-product-important__content\">\r\n                    <h2>            Get Covered by the Best Car Insurance in Pembroke Pines, Florida, Today<\/h2>\r\n            <\/h2>                            <p>Water, wildlife, excellent education, family fun \u2014 Pembroke Pines provides the perfect place to live a beautiful life. But when you take in all this beauty, risk is involved: a high percentage of uninsured drivers, heavy traffic, a risk of hurricanes, and more. These risks can add up to unexpected disasters that can hurt you and your assets. These are the reasons why having high-quality auto coverage is so important.<\/p>\n<p>At InsureOne, our expert agents take the time to find you personalized coverage to fit your unique insurance needs. We shop around to find top-tier insurance choices. You can visit us <a href=\"https:\/\/www.insureone.com\">for an online quote<\/a>, drop by your <a href=\"https:\/\/locations.insureone.com\/\" target=\"_blank\" rel=\"noopener\">local office<\/a>, or get started with a quote by telephone at <a href=\"tel:800-836-2240\"><span class=\"white-space\">(800)\u00a0836-2240<\/span><\/a>.<\/p>\n                       \r\n            <\/div>\r\n<\/div>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":96,"featured_media":0,"parent":4696,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"views\/template-city-component.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-14423","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.insureone.com\/wp-json\/wp\/v2\/pages\/14423"}],"collection":[{"href":"https:\/\/www.insureone.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.insureone.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.insureone.com\/wp-json\/wp\/v2\/users\/96"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insureone.com\/wp-json\/wp\/v2\/comments?post=14423"}],"version-history":[{"count":1,"href":"https:\/\/www.insureone.com\/wp-json\/wp\/v2\/pages\/14423\/revisions"}],"predecessor-version":[{"id":14424,"href":"https:\/\/www.insureone.com\/wp-json\/wp\/v2\/pages\/14423\/revisions\/14424"}],"up":[{"embeddable":true,"href":"https:\/\/www.insureone.com\/wp-json\/wp\/v2\/pages\/4696"}],"wp:attachment":[{"href":"https:\/\/www.insureone.com\/wp-json\/wp\/v2\/media?parent=14423"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}