Broward County, Florida
Car insurance in Pembroke Pines
A Pembroke Pines quote from David Diaz-Fernandez, compared across the carriers our agency writes with, in English or Spanish. Two-car families with long commutes are the typical Pembroke Pines quote.
Driving and insuring a car in Pembroke Pines
Pembroke Pines is suburban Broward: big neighborhoods west of the Turnpike, good schools, and families with two or three cars commuting to Miami-Dade or Fort Lauderdale on I-75 and the Turnpike. Pines Boulevard and Sheridan Street carry most of the local traffic.
Most Pembroke Pines quotes are families re-shopping at renewal, adding a teen, or replacing a car. Bundling with a homeowners policy and choosing the right deductibles usually make the biggest difference.
- County
- Broward County
- Main roads
- I-75 and Florida’s Turnpike
- ZIP codes we quote
- 33024, 33025, 33026, 33027, 33028, 33029, 33082, 33084
- Neighborhoods and nearby
- Pembroke Lakes, Silver Lakes, Chapel Trail, Pembroke Falls, Century Village
What moves the price in Pembroke Pines
- Bundling: homeowners and condo owners often get a lower auto price with some carriers, even when the home is elsewhere.
- Deductibles: moving collision from $500 to $1,000 can lower the price; pick what you could pay tomorrow.
- Teen drivers and students: good student and away-at-school discounts can help.
- Annual mileage: if one car stays home most days, tell David; some carriers price it lower.
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 Pembroke Pines, 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 Pembroke Pines
Call 911 if anyone is hurt or a car can’t be moved. On Pembroke Pines streets the report is taken by the Pembroke Pines 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 →
Pembroke Pines questions
Is it cheaper to bundle home and auto?
Often, but not always. David prices auto both ways so you can see whether the bundle actually saves you money.
Should I raise my deductible?
A higher deductible lowers the price, but only pick one you could pay the week after a crash. David shows the savings at each level.
My daughter is away at college without a car. Do I still pay for her?
Many carriers give a discount for a student who lives far from home and doesn’t take a car. Ask David.
What is the minimum car insurance in Pembroke Pines?
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.