Broward County, Florida
Car insurance in Hollywood
A Hollywood quote from David Diaz-Fernandez, compared across the carriers our agency writes with, in English or Spanish. Seasonal residents and retirees ask about keeping a Florida policy year-round.
Driving and insuring a car in Hollywood
Hollywood mixes beach neighborhoods and condos along A1A with family neighborhoods west of I-95. Many drivers here are seasonal residents or retirees who split the year, and many others commute daily to Miami-Dade or Fort Lauderdale.
Hollywood quotes often start with a question: can I lower my coverage while I’m away for part of the year? In Florida, a car with an active registration must stay insured, so the answer is about which coverage you can change, not whether you can drop the policy.
- County
- Broward County
- Main roads
- I-95, Florida’s Turnpike and US-1
- ZIP codes we quote
- 33019, 33020, 33021, 33023, 33024
- Neighborhoods and nearby
- Hollywood Beach, Downtown Hollywood, Emerald Hills, Hollywood Lakes, Driftwood, West Hollywood
What moves the price in Hollywood
- Seasonal use: you must keep PIP and property damage while the plate is active, but some drivers lower other coverage while the car is stored. Ask David first.
- Age and experience: drivers over 55 may qualify for a mature driver course discount with some carriers.
- Beach parking and salt air: comprehensive covers flood and storm damage near the beach.
- Condo garages: parking in a secured garage may matter to some carriers.
The Florida minimum, and what most people add
| Coverage | Florida minimum | What David usually shows |
|---|---|---|
| PIP | $10,000 | $10,000, deductible you choose |
| Property damage | $10,000 | $25,000 – $100,000 |
| Bodily injury | Not required | $100,000 / $300,000 |
| Uninsured motorist | Not required | Same as bodily injury |
| Comprehensive and collision | Not required (lenders require them) | $500 or $1,000 deductible |
These are common choices, not a recommendation for everyone. David shows the price of each option on your real quote.
Registering your car
In Hollywood, registration and plates go through the Broward County Tax Collector. New residents have 10 days from becoming a Florida resident to register, with Florida insurance in place first. New to Florida? →
After a crash in Hollywood
Call 911 if anyone is hurt or a car can’t be moved. On Hollywood streets the report is taken by the Hollywood Police Department; on the interstates and expressways it is often the Florida Highway Patrol. Get the report number before you leave.
See a doctor within 14 days, even if you feel fine: PIP only pays if treatment starts within 14 days of the crash. PIP explained → You can buy a copy of the report from the police agency or on the FLHSMV crash report portal. Then text David before you call the insurer: he’ll help you see what your policy covers. Claims help →
Tolls
South Florida toll roads are cashless. Use a SunPass or pay by plate; unpaid tolls go to the registered owner, not the driver, and can block a registration renewal.
Hurricane season
Only comprehensive pays for a flooded car or storm damage, and insurers usually stop adding or changing coverage once a hurricane watch or warning is issued for your area. Hurricane season runs June 1 to November 30, so add it early. Comprehensive →
Hollywood questions
I’m only in Florida in the winter. Can I cancel my insurance in the summer?
Not while the car is registered in Florida. Canceling without turning in the plate can lead to a license and registration suspension. Ask David about storage options instead.
Is there a discount for taking a driving course?
Florida requires insurers to offer a discount to drivers 55 and older who complete an approved mature driver course. David checks how each carrier applies it.
I live near the beach. Do I need comprehensive?
It isn’t required, but it is the only coverage that pays for storm surge, flood and wind damage to your car.
What is the minimum car insurance in Hollywood?
The same as anywhere in Florida: $10,000 of personal injury protection (PIP) and $10,000 of property damage liability. Bodily injury liability isn’t required to register a car, but without it, a claim from someone you injure is aimed at you.
Nearby
Your policy’s wording decides what’s covered. David can walk you through yours.