Car Insurance in Sunrise, FL [The Complete Guide]

Life is always busy — it just never stops. The kids are always hungry, the laundry always needs to be washed, and the dog always needs to go for a walk. It seems like vacations are few and far between, and there isn’t any more room on your to-do list that’s taped to your refrigerator.

Finding a decent car insurance company to protect you and your family might not even be on your radar. You might not even know that you could qualify for a cheaper car insurance rate.

Maybe you know you need better car insurance coverage, but you don’t know where to start looking for it.

Does this sound like you? If so, you’ve come to the right place.

We’re not going to bamboozle you with long forms to fill out, and we definitely don’t want your address. We just want to help. In fact, finding car insurance in Sunrise, Florida, has never been easier.

If you have just 15 minutes or less, we can help you find a great car insurance company with a great rate that meets your family’s needs and your budget. But how?

To save you valuable time, we’ve already collected extensive research and data from the top leading car insurance sources in the country: you’ll find all of this information and more In this complete guide to car insurance in Sunrise, Florida.

From car insurance coverage types to hefty discounts, you’ll learn about it all. All you have to do is sit back and relax.

Are you ready to start comparing rates in your area right now? Begin by entering your ZIP code in the box above.

The Cost of Car Insurance in Sunrise

We don’t want to waste any more of your precious time, so let’s get right to it. For many car insurance buyers, the cost is everything, so we want to start with that topic first.

How much does car insurance actually cost?

We can’t quite tackle that question with one simple answer because the cost of a car insurance policy depends on many different factors. Keep reading as we dive into the factors that influence your car insurance rate and how you can qualify for special car insurance discounts.

Do gender and age affect my car insurance in Sunrise?

Many drivers know that factors like age and gender can affect your car insurance rate. But what is the median age in Sunrise, Florida?

According to Data USA, the median age in Sunrise, Florida is 38.2 years of age. Because this number is over the age of 25, drivers shouldn’t worry about the cost of car insurance rising because of a majority of inexperienced drivers.

Usually, teen drivers end up paying the highest average rate for car insurance. This could be attributed to the fact that they are the least experienced drivers on the road and are the most likely to cause or be involved in an accident.

Take a look at the table below.

The table above shows that 17-year-old drivers pay the highest amount of money for car insurance at an average rate of $11,468.03 per year. On the other hand, 60-year-old drivers pay the least amount of money for car insurance at an average rate of $3,449.05 per year.

Even though it shouldn’t, your gender can also affect your car insurance rate.

In Sunrise, Florida, males pay an average of $5,750.11 per year for car insurance, while females pay an average rate of $5,431.51 per year for the same policy. Car insurance companies believe that by nature, females are usually more responsible than males; it doesn’t happen all the time, but males generally pay more for car insurance than females do.

Now, let’s put all the stats together. The table below indicates how both age and gender together, along with the driver’s marital status, affect average auto insurance rates in Sunrise, Florida.

According to the table above, single 17-year-old males pay the highest amount for car insurance while married 60-year-old females generally pay the least. We can also see that a driver’s car insurance rate gets lower the older they become. This could be attributed to the fact that a driver accumulates more experience with each passing year.

If you’re worried about these stats, just hold on for a minute. These factors obviously influence your car insurance rate by a small margin, but there are many other factors that can sway your rate one way or the other. Keep reading to find out more.

What are the cheapest ZIP codes in Sunrise?

Do you ever wonder why car insurance companies always want to know where you live?

If you live in an area that is more prone to natural disasters or crime, your car insurance rate might be higher than the average driver’s rate.

Sunrise drivers who have the ZIP code 33326 pay an average of $4,446.07 per year for a car insurance policy.

With a population of roughly 94,000 residents, the average rate in this specific ZIP code is noteworthy.

What’s the best car insurance company in Sunrise?

So far, we’ve covered small factors that can affect your car insurance rates such as gender, marital status, age, and place of residence. But, when you’re comparing rates across a variety of different companies, it’s important to know that not all car insurance companies use the same factors to determine rates the same exact way.

While Company A might decide that your driving record should have more impact on your rate than your gender does, Company B might say that your credit history should influence your rate more than your driving record. Knowing this important piece of information is your key to finding the best rate possible.

You might have poor credit history and a great driving record; look for a company that values a clean record over a poor credit score.

To save you time and trouble, our researchers gathered the data with all this information and more, including the cheapest rates by company, rates based on your commute, rates based on your coverage level, and much more.

Cheapest Car Insurance Rates by Company

The table below shows the car insurance companies that charge the cheapest coverage rates in Sunrise, Florida.

As you can see, with the exception of USAA (a car insurance company that only services military members and their families), State Farm has the cheapest average annual rate. However, single 17-year-old females can actually find a cheaper rate at Geico than at State Farm.

What’s the point here? One company might have a cheaper annual average rate overall, but it’s important to find the specific rate for your demographic.

Best Car Insurance for Commute Rates

How far your drive every day can also affect your car insurance rate. It makes sense, doesn’t it? The more you drive, the more likely you are to be in or cause an accident.

According to the Federal Highway Administration’s 2014 Licensed Drivers By State report, Floridians drove an average of 14,465 miles in the state that year. The table below shows the average annual premiums Sunrise, Florida insurers charge based on consumers’ commute rates.

If you drive an average of 12,000 miles per year as opposed to only 6,000 miles per year, you could be paying hundreds of dollars more per year for your car insurance policy. If you know you drive a lot, try looking into a company like Progressive or Nationwide as they charge the exact same rates for commutes of 10 or 25 miles.

Best Car Insurance for Coverage Level Rates

Did you know that your insurance coverage level can also affect your rate? That’s right — sometimes, car insurance companies will give you a break on your rate if you choose a policy with more insurance than what might be required by the state of Florida.

Take a look at the table below.

For a couple of thousand dollars more per year, (or an average of $30-$40 more per month), you could go from having minimum liability insurance to comprehensive coverage.

In other words, if you can afford to cut back on those extra coffee trips every month, you can most likely afford more car insurance. After all, more car insurance is always better car insurance.

Paying that small amount of extra cash now could literally save you thousands of dollars in medical fees and repairs fees in the long run.

Best Car Insurance for Credit History Rates

We talked about this briefly above, but your credit score doesn’t just affect your interest rate or your mortgage loan approval application. It can also affect your car insurance rate.

Take a look at this table below.

As you can see from the data above, having a poor credit history can increase your rate by thousands of dollars more per year. Look at Allstate’s rates, for example. A driver who has poor credit could pay almost double what a driver with good credit pays. If you know you have poor credit, try going with a company like State Farm. Their rates are significantly lower than others on the list above.

Best Car Insurance for Driving Record Rates

Generally, the most significant factor affecting your car insurance rate is your driving record. If you’re a horrible driver and you get into multiple accidents a year, your rate is likely to be astronomical. On the other end of the spectrum, if you have a clean record, your rate might be much lower than the average driver’s rate.

Check out this data in the table below.

While other providers might increase your yearly rate by a couple of thousand dollars, with State Farm as your provider, your rate will most likely increase by only $700 if you get into an accident.

If you are convicted of just one DUI, your rate is subject to an increase of $3,000 or more per year.

Remember that keeping a clean record over time can help decrease your premium and help you qualify for safe driving discounts.

What are some car insurance factors in Sunrise?

Don’t go away yet, there are many more car insurance factors that can affect your rate in Sunrise, Florida, that we want to mention. Stick around as we tackle what you need to know to pinpoint how much you really ought to be paying for auto coverage in your city.

Sunrise Metro Report

Let’s take a look at the growth and prosperity of the Miami-Fort Lauderdale-Sunrise area in the Brookings Metro Report.

Growth:

• Jobs: + 1.7 percent (36th of 100)
• Gross Metropolitan Product (GMP): + 3.4 percent (22nd of 100)
• Jobs at young firms: + 2.6 percent (62nd of 100)

Prosperity:

• Productivity: + 1.6 percent (22nd of 100)
• Standard of Living: + 2.5 percent (15th of 100)
• Average Annual Wage: + 1.4 percent (24th of 100)

As you can see, from 2016–2017, this area saw improvement in both areas or growth and prosperity.

Median Household Income in Sunrise

Have you ever wondered how much of your income is being spent on car insurance?

According to Data USA, households in Sunrise, Florida, have a median annual income of $53,237, which is less than the median annual income of $61,937 across the entire United States. The average cost of car insurance in Sunrise is $4,446.07, which means that drivers who live in Sunrise spend an average of 8.4 percent of their annual income on car insurance alone.

Of course, these are all average numbers, so you probably spend less or more of your income on car insurance every year.

If you want to know exactly how much of your yearly income is being spent on car insurance, use our free calculator tool below.

Homeownership in Sunrise

Did you know that owning a home could have a significant impact on your car insurance rate?

That’s right — being a homeowner could drastically lower the premiums carriers charge for your policy. Car insurance companies believe that homeowners are usually more responsible individuals who pay their bills consistently and on time.

In 2017, 65.4 percent of the housing units in Sunrise, Florida, were occupied by their owner. This percentage declined from the previous year’s rate of 66.8 percent. This percentage of owner-occupation is higher than the national average of 63.9 percent.

It’s also noteworthy to mention that in 2017, the median property value in Sunrise grew to $165,500 from the previous year’s value of $150,800.

Wage by Race and Ethnicity for Common Jobs in Sunrise

How do race and ethnicity affect the wage rate in Sunrise, Florida?

The table below indicates wages for common jobs based on race and ethnicity in Sunrise, Florida, along with the percentage of those workers’ incomes going to auto insurance premiums.

It’s pretty crazy to see the huge wage gaps for the same job role in the table above. Depending on what type of position you have, you could spend as little as 4.5 percent of your yearly income on your car insurance policy or as much as 64 percent of your income for the same exact policy.

Wage by Gender for Common Jobs in Sunrise

Data USA says that in 2017, full-time male employees in Florida made 1.34 times more than female employees.

• Sunrise Female Average Salary — $44,078
• Sunrise Male Average Salary — $58,931

That’s more than a $14,000 wage gap between genders. Even if male and female employees hold the exact same job title, the statistics reveal that male workers will still bring home a higher personal income.

The average annual cost of car insurance in Sunrise, Florida is  $4,446.07

This means that while women are paying out approximately 10 percent of their annual income to cover the cost of car insurance premiums, men are paying out 7.5 percent of their total yearly earnings for coverage.

Poverty by Age and Gender in Sunrise

Data USA also said that 13.7 percent of the population for whom poverty status is determined in Sunrise, Florida (12.5k out of 91.4k people) live below the poverty line, a number that is higher than the national average of 13.1 percent.

The largest demographic living in poverty are Females 65-74, followed by Females 25-34 and then Females 55-64.

Poverty by Race and Ethnicity in Sunrise

The most common racial or ethnic group living below the poverty line in Sunrise, Florida is Black, followed by White and Hispanic.

The Census Bureau uses a set of money income thresholds that vary by family size and composition to determine who classifies as impoverished. If a family’s total income is less than the family’s threshold than that family and every individual in it is considered to be living in poverty.

Employment by Occupations in Sunrise

From 2016 to 2017, employment in Sunrise, Florida grew at a rate of 0.546 percent, from 44,700 employees to 44,900 employees.

The most common job groups, by the number of people living in Sunrise, are Office and Administrative Support Occupations (8,019 people), Sales and Related Occupations (5,470 people), and Management Occupations (4,308 people).

The highest paid jobs held by residents of Sunrise, by median earnings, are Law Enforcement Workers Including Supervisors ($86,050), Computer and Mathematical Occupations ($63,201), and Computer, Engineering, and Science Occupations ($60,250).

Driving in Sunrise

Whether you’re just visiting from out of town or you’ve lived in Sunrise, Florida, your whole life, it’s imperative to know the fastest ways around the city.

It doesn’t matter if you’re stuck in a traffic jam on a major highway, or you’re stuck behind a herd of cows on an old back road; knowing the most efficient ways to get around your city can save you time and money.

Stick around as we share some helpful tips below.

What are the major roads in Sunrise?

In this section, we will talk about major highways, popular road trips and sites, road conditions, and red-light cameras. We’ve got all the information you need to make the best driving decisions possible while hanging out in Sunrise, Florida.

Are you ready? Let’s get started.

Major Highways

Florida has 12 active routes running through the state, comprising a total of 1,497.58 miles of roadway. These active interstates include:

• I-4
• I-10
• I-75
• I-95
• I-110
• I-175
• I-275
• I-375
• I-195
• I-295
• I-395
• I-595
• I-795

Florida’s turnpike runs east of the small city of Sunrise. FL 817 runs north and south through Sunrise, and CR 816 runs east and west. The Sawgrass Expressway runs west of the city alongside the water conservation.

Florida has more miles of toll road than any other state in the country, extending 700 miles throughout The Sunshine State.

Florida’s toll pass is aptly named the SunPass and is an electronic transponder which drivers can affix to their windshield in order to pass through the E-Pass, SunPass, and O-Pass toll lanes.

Toll charges are subtracted from the motorist’s prepaid account. Motorists may use their SunPass in North Carolina and Georgia as well.

The pass costs $19.99 plus tax. You can also purchase it online if you prefer. The SunPass Mini costs $4.99 for online purchases, or you can pick up one at any of the locations previously mentioned.

Drivers must register their SunPass Portable or SunPass Mini with a starting balance of at least $10. To register, you can:

• Activate your transponder online
• Purchase your pass online
• Call 1-888-TOLL-FLA (1-888-865-5352)

Visit Florida’s SunPass page for more information.

Popular Road Trips/Sites

Sunrise, Florida is just northeast of America’s most popular spring break beach town, Fort Lauderdale. It’s near the Atlantic Ocean, and close to major cities like Miami and Boca Raton.

Even though it’s not the most popular place in Florida, there’s no shortage of things to do in Sunrise, Florida.

Whether you’re taking a vacation to the Sunshine State or you’ve loved and lived in Sunrise for most of your life, and you’re just looking for some fresh ideas for date night, you’ll want to check out this list of popular things to do in the city.

The following information is brought to you by Trip Advisor:

• Sawgrass Mills: Welcome to Sawgrass Mills, the largest outlet and value retail shopping destination in the United States. Shopping at Sawgrass Mills can’t be beat with over 40 exclusive outlets not found anywhere else in South Florida, including Burberry Factory Outlet, David Yurman, Prada, Salvatore Ferragamo Company Store and Tory Burch. Fashionistas will delight in luxury-brand shopping at The Colonnade Outlets at Sawgrass Mills.
• Markham Park: Located near the Everglades, this park provides elevation and scenic beauty — perfect for bikers, soccer games, camping, and day hikes.
• BB&T Center: Come to this modern, indoor arena and watch a hockey game or a concert for a great night out on the town. Food and drinks in this arena are not as expensive as similar arenas in the area.
• Fox Observatory: Located inside the Markham Park, this observatory is always delightful as the astronomers always share their equipment and knowledge. They will also help you learn your own telescope if you have one.
• Soccer Fever: The goal in Soccer Fever is to provide a safe and comfortable place for kids to develop soccer skills in a recreational environment. Our services include Kids Soccer Academy, Young Athlete’s Conditioning Programs, Court Rentals, Pick Up Games, and B-Day Parties. The facilities provide comfort and reliability for the soccer enthusiasts and their companions all year long New management.

Road Conditions

According to the table below, the vehicle operating costs in Sunrise, Florida, is $427.

For more information on road conditions in Sunrise, keep checking the City of Sunrise’s FDOT Road Construction Updates page for the latest project developments.

Does your city use speeding or red-light cameras?

A red-light running violation occurs when a motorist enters an intersection after the traffic signal has turned red. Motorists already in the intersection when the signal changes to red, waiting to turn, for example, are not considered red-light violators.

The intersections with red-light camera installations are listed below. Each intersection is marked clearly with signs.

• North University Drive (northbound) at Sunset Strip
• North University Drive (southbound) at Sunset Strip
• North University Drive (southbound) at Sunrise Lakes Boulevard
• North University Drive (northbound) at NW 25TH Court
• North University Drive (westbound) at West Oakland Park Boulevard
• North University Drive (southbound) at West Oakland Park Boulevard
• West Oakland Park Boulevard (eastbound) at Northwest 60TH Avenue
• North Flamingo Road (southbound) at NW 136TH Avenue
• North Flamingo Road (southbound) at West Sunrise Boulevard
• North Flamingo Road (northbound) at West Sunrise Boulevard
• Sunrise Boulevard (eastbound) at Sunset Strip
• Nob Hill Road (northbound) at Sunset Strip
• Nob Hill Road (southbound) at Sunset Strip
• Nob Hill Road (southbound) at West Oakland Park Boulevard

The city of Sunrise also has five speeding cameras.

What type of vehicles are in Sunrise?

Every city has its own unique vehicle trend. In this next section, we will go over popular vehicles owned in Sunrise, speed traps, and vehicle statistics.

Don’t go away — all this and more is coming up next.

Most Popular Vehicles Owned

According to Your Mechanic, the most popular vehicle owned in south Florida is the Lexus ES 350.

As you can see, the Lexus ES 350 is a mid-size luxury sedan.

According to the National Highway Traffic Safety Administration, the 2020 Lexus ES 350 received a five-star safety rating. It gets 22 miles per gallon in the city and 33 miles per gallon on the highway.

How many cars per household

According to Data USA, the average number of cars owned per household in Sunrise, Florida is two.

Many households in Sunrise also own as many as three cars, and some households only own one car.

Households without a Car

Even though many cars in Sunrise own at least one or two cars, some households do not own a car at all. See the table below.

From 2015–2016, the number of households without a car decreased from 8.8 percent to 8.2 percent. Over the course of the same year, the number of vehicles per household increased from 1.45 to 1.49.

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Speed Traps in Sunrise

Have you ever just been driving along, minding your own business and following the speed of traffic when suddenly you see blue and red lights flashing in your rearview mirror, directing you to pull over?

The law enforcement officer literally seemed to come out of nowhere, and before you know it, he’s writing you a speeding ticket.

If this story sounds like something that happened to you, you’ve most likely been the victim of a speed trap.

Luckily for Sunrise drivers, the city did not make it on to the list of The 10 Worst Florida Speed Trap Cities. With that said, better to be safe than sorry and drive carefully while on the road, even if you’re just following the speed of traffic.

Vehicle Theft in Sunrise

How safe is your vehicle from theft in Sunrise?

According to the FBI, there were 165 reported vehicle thefts in the city of Sunrise, Florida in 2018.

The safest neighborhoods in Sunrise, Florida, per Neighborhood Scout, are as follows:

1. NW 29th / NW 109th Ave
2. Harrison Pky / Sunrise Blvd
3. Woodgate Dr / S New River Cir
4. NW 115th Ter / NW 36th Pl
5. Sunrise Lakes Blvd / N Nob Hill Rd
6. Sunrise Lakes Blvd / N Pine Island Rd
7. Sunset Strip / NW 91st Way
8. NW 29th / NW 120th Way
9. S Aragon Blvd / Aragon Blvd
10. W Oakland Park Blvd / Hiatus Rd

Neighborhood Scout also revealed that your chances of becoming a victim of violent crime are approximately 1.98 per 1,000 residents. This is lower than the statewide figure, which puts residents at a 4.08 per 1,000 chance of being a victim of violent crime.

As it stands currently, Sunrise is only safer than 18 percent of cities across the country. The city ranks number 18 in Neighborhood Scout’s crime index, with 100 being the absolute safest.

The table below illustrates the incidents of violent crime in Sunrise, Florida in 2017 alone.

Below are Sunrise’s annual number of crimes for the year 2017.

Because of the crime rates, it might be smart to look into moving to a safer area in the city of Sunrise.

How is traffic in Sunrise?

Now that you’ve read all about crime, insurance coverage, and road conditions, it’s time to get into traffic conditions in Sunrise, Florida.

In this next section, we will cover traffic congestion, transportation, traffic fatalities, and much more, so don’t go away.

Traffic Congestion in Florida

No one likes to sit in traffic. In order to save time and money, it’s important to know your way around a city when there’s a traffic jam. Watch this video below.

Although the surrounding cities in southeast Florida have some of the worst traffic jams in the country, Sunrise, Florida, rarely ever sees any traffic at all. In fact, the small city didn’t even make it onto Inrix’s traffic scorecard.

Even though Sunrise doesn’t fall on any of the major traffic data websites, this still doesn’t mean that you’ll never sit in traffic for a few minutes every once in a while.

Transportation

We know that Sunrise drivers don’t often spend outrageous amounts of time in traffic, but how much time do they spend on their commute every day?

According to Data USA, by using averages, employees in Sunrise, Florida, have a longer commute time (27 minutes) than the normal US worker (25.1 minutes). Additionally, 2.23 percent of the workforce has “super commutes” in excess of 90 minutes.

What are the most popular modes of transportation in Sunrise?

In 2017, the most common method of travel for workers in Sunrise was to drive alone (82 percent), followed by those who carpooled (7.52 percent) and those who worked from home (4.72 percent).

Busiest highways

Florida’s busiest highway is Interstate 95, which runs north and south through the state of Florida. Although it doesn’t run through Sunrise, Florida, it is a major Interstate that is just east of the city.

Sunrise Boulevard runs through Sunrise, Florida, and is a 15.6 miles (25.1 km) long east-west highway serving central Broward County, mostly designated State Road 838 (SR 838). The road begins at an interchange with the Sawgrass Expressway (SR 869) in Sunrise and continues east to North Ocean Boulevard (SR A1A) in Fort Lauderdale, next to Hugh Taylor Birch State Park.

How safe are Sunrise streets and roads?

We’ve discussed the crime rates in Sunrise, but are you aware of dangers on the streets and roads in Sunrise? Traffic fatalities happen for all different kinds of reasons. Many factors can increase your risk of being a victim in a car accident. The more you know about these risks of the road, the safer you’ll be.

The National Highway Traffic Safety Administration’s (NHTSA) 2018 study reported the safety conditions and fatal crashes in Broward County that year.

To begin, let’s take a look at the total fatal crashes in Broward County as of 2017.

As you can see from the table above, there were 237 traffic fatalities in the year 2018 in Broward County alone.

Next up, take a look at the fatalities in Broward County crashes in 2017 involving alcohol-impaired drivers with BAC levels of .08 above.

From 2014–2018, there were 269 traffic fatalities resulting from an alcohol-impaired driver.

Here are the total single-vehicle fatality crashes in Broward County for 2018.

There were 133 single-vehicle fatal crashes in 2018.

The table below reveals fatalities in 2018 crashes involving speeding, roadway departures, and intersections (or intersection related) in Broward County alone.

In 2018, there were 83 fatal crashes involving an intersection, 69 crashes involving a roadway departure, and 24 fatal crashes involving speeding.

The table we have here illustrates the total fatalities in Broward County in 2018 by person type.

In 2018, there were 76 passenger car occupant fatalities, 71 pedestrian fatalities, and 16 pedalcyclist fatalities.

Check out the table below, indicating the NHTSA’s data regarding highways in the state of Florida with the most fatal crashes. Note how fatalities in your state vary based on the road type involved in the collision.

As you may have noticed, most of these fatal crashes occurred on roads categorized as “other” and “arterial.” An arterial road is just a high-capacity urban road. Depending on how much traffic is filtering through a specific area, the road could be categorized as a highway or a minor arterial road.

Allstate America’s Best Drivers Report

Have you ever wondered how drivers in your city compare to other drivers across the country? We don’t have data for the small city of Sunrise, Florida, so we’re going to show you statistics for the next best thing: Fort Lauderdale.

According to data collected from Allstate’s Best Drivers in America Report, Fort Lauderdale is the 62nd safest city to drive in the country as of 2019.

In Fort Lauderdale, Florida, the likelihood of a claim being made as compared to the national average is 8.8 percent. Residents of Fort Lauderdale and the surrounding metro area typically have 9.2 average years between claims.

Nine years is a long time to go without having an accident.

Regarding how hard drivers brake every 1,000 miles, whether due to a sudden slowdown in traffic or an obstacle in the roadway, Fort Lauderdale’s hard-braking events per 1,000 miles is 24.8.

Ridesharing

Need a ride?

What ridesharing services are available in Sunrise, Florida?

Check out the following list:

• Blacklane: When you order a Blacklane car, a luxury vehicle with seating for one-five people will pick you up.
• Curb: Hail and pay for a traditional Taxi through the Curb app. Curb offers Taxi drivers a way to get more business during slower times. Curb was formerly known as TaxiMagic.
• Lyft
• Taxi
• Uber

E-Star® Repair Shops

Are you in need of some vehicle repair work? If so, an E-Star® repair shop could help. E-Star® is an Esurance-sponsored program that helps drivers find the best repair shops in their area.

Check out the top 10 repair shops in Sunrise, Florida, according to E-Star®.

What is the weather like in Sunrise?

What are the average temperatures like in Sunrise?

The table below indicates U.S. Climate Data’s stats for typical temperatures in Sunrise.

Since we’re on the topic of weather, it’s important to know about the natural disaster rate in Sunrise, Florida, when you’re hunting for a decently priced car insurance policy. If your area of the city is more prone to natural disasters, you could be paying a higher than average car insurance rate.

Broward County has experienced 24 total natural disasters, which is significantly higher than the nationwide average of 13. A total of 15 of natural disasters in Broward County were declared by the President as major disasters, while the remaining eight were declared to be emergencies.

The causes of these natural disasters were as follows:

• Hurricanes: 14
• Fires: Three
• Floods: Three
• Tornadoes: Three
• Freezes: Two
• Tropical Storms: Two
• Heavy Rain: One
• Storms: One
• Wind: One
• Other: One

Some natural disasters may fall into more than one category noted above.

If you really want to protect your vehicle from any and all natural disasters, you should look into a comprehensive car insurance policy.

Watch the video below.

If your vehicle has ever been damaged by a natural disaster (an act of God), your vehicle is covered 100 percent, and it will either be repaired or replaced 100 percent by your insurance company.

Remember: for $35–$40 more per month, you might be able to snag a great comprehensive car insurance policy. If you can afford it now, this hefty policy could literally save you thousands of dollars in the long run.

Is public transit available in Sunrise?

Sunrise mini-buses operate on a regular schedule, picking up passengers in residential areas and transporting them to and from a variety of destinations — including shopping centers, libraries, the Senior Center and Sawgrass Mills.  These buses are equipped with handicapped lifts and wheelchair stations. Route maps appear below:

• Mini-bus Map for Routes 3 and 4
• Mini-bus Map for Route 6
• Mini-bus Map for Route 7

A mini-bus schedule is available for your convenience.  If you have any questions, please call (954) 746-3677.

In addition, Medical transportation is also available to eligible residents. Rider fees for these services have been suspended until further notice by action of the Sunrise City Commission, making the services free for eligible residents.

Are other Alternate Transportation options available in Sunrise?

If you don’t feel like taking the bus down in Fort Lauderdale, you can rent an electric scooter.

Although these popular electric scooter brands like Bird and Lime haven’t made it to Sunrise yet, you can find them almost anywhere in Fort Lauderdale.

Three companies — Bird, Bolt, and Lime — currently offer the service, which is regulated by the Department of Transportation and Mobility of the city of Fort Lauderdale. Each company has an approved fleet of up to 500 devices.

To use the scooters, Lime and Bird users must download the cellphone app for the company that owns the vehicle. After using the scooters, they should be left in a place that does not block the public road (such as ramps, parking lots, building entrances, hydrants, etc.). To close the session, the rider must take a photo of the parked scooter. Providers can then review photos and rate how well the device is parked.

With a Lime-S scooter, it costs $1 to unlock the device and 15 cents per minute of use. A half-hour ride is about $7.50.

Is parking easy in Sunrise?

According to Parkopedia, there are five free parking structures located in Sunrise, Florida. Drivers can park for free up to two hours. There are also 30 public parking garages in Sunrise, but drivers need to either pay by the hour or pay by the day in order to use them.

For more information about public parking in Sunrise, Florida, please visit www.sunrisefl.gov.

Do you have an electric vehicle?

According to ChargeHub, the city of Sunrise has 108 public charging station ports (Level Two and Level Three) within 15km. Over 80 percent of the ports are level two charging ports, and 25 percent of the ports offer free charges for your electric car.

The two main charging networks in operation are NRG eVgo and SemaCharge. You can find out more about the charging networks (policies, pricing, and registration information) by visiting ChargeHub’s website.

How is the air quality in Sunrise?

Back when cars were first implemented, they used to give off many different types of harmful fumes. While this isn’t the case so much today, the vehicles on the road still affect a city’s air quality.

The following table indicates the air quality in Broward County, based on the Environmental Protection Agency’s reports from 2017, 2018, and 2019.

The data here reveals that the days with a good air quality index substantially outweighed moderate days or unhealthy days for sensitive groups in the period between 2017 and 2019.

As you can see, there have been zero unhealthy days in Broward County over the last three years.

Military/Veterans

If you’ve served in the military or you are an active military member, you may be able to qualify for a military car insurance discount.

Keep reading as we discuss veteran statistics in Sunrise, Florida, military bases, military discounts by providers, and much more.

A study from Data USA found that Sunrise, Florida, has a large population of military personnel who served in Vietnam, 1.53 times greater than any other conflict. The second Gulf War was the second most common service period, with 659 residents having served in the conflict. Military personnel who served in the first Gulf War were the third most common service period, with 498 residents having served in that conflict.

Florida has 21 military bases total, with several in the region surrounding Sunrise, Florida. Some of the closest military bases are as follows:

• Homestead Air Reserve Base in Miami
• District 7 Coast Guard Base in Miami
• ISC Miami Coast Guard Base in Miami Beach
• Autec Complex Navy Base in West Palm Beach

As a special thank you to military personnel, car insurance companies like to reward U.S. veterans for their great sacrifice. The table below shows the top known providers currently offering military discounts that you may want to look into further if you previously served or currently serve in the military.

USAA also offers discounts for military garages to hold vehicles on base.

Not every company openly releases the total percentage insureds can save with a military discount, which is why some of the carriers listed above are marked “N/A” in the percentage category. To find out exactly how much you could save at some of these companies, just make a phone call and ask to speak directly with an agent.

Both in the state of Florida and around the country, USAA is reserved exclusively for service members (both active or retired) and their families.

The table below reveals USAA’s rates compared to its competition in the insurance market and the state average. The average cost of auto insurance in Florida is $4,680.46.

As you can see, on average, USAA has the best rates for military members across the state of Florida.

Unique City Laws

Before we let you go, let’s take a look at some of Sunrise’s unique city laws.

Are drivers allowed to use their cell phones while driving?

The answer is no. Distracted driving in Florida is more than just texting and driving.  It includes any use of a cell phone, handheld device, or headphones while driving.

It is illegal to be texting and driving in Florida, talking on the phone, viewing data while driving, using a GPS, and using headphones, earbuds, and earbuds while driving.

What about food trucks? Are they legal in Sunrise, Florida?

In Sunrise, food truck owners must get a $100 special event permit and have a notarized letter from the property owner granting permission for the event.

The city will allow only three food trucks to gather at the same time. Private property owners will be limited to hosting six food truck events for the year.

Before each event, the organizer must pay a refundable security bond of $250 to ensure that any damage is repaired. All city-sponsored events are exempt from the new rules.

Are tiny houses allowed in Sunrise?

According to Nolo, whether Florida law allows a tiny house in your backyard depends on several factors, including

• what the primary use of the tiny house is
• local policies and regulations of tiny houses, and
• the building and safety standards that will apply to the construction of your tiny house.

For more specific information on tiny home laws in Broward County, check out the Florida Building Code Broward County Amendments.

Are you also aware of parking laws in Sunrise, Florida?

Parking is not allowed in any of the following areas:

• On the roadway side of another parked vehicle (double parking).
• On crosswalks.
• On sidewalks.
• In front of driveways.
• By curbs painted yellow or where “No Parking” signs are posted.
• Within intersections.
• Within 15 feet of a fire hydrant.
• Within 20 feet of an intersection.
• Within 20 feet of the entrance to fire, ambulance or rescue squad station.
• Within 50 feet of a railroad crossing.
• On the hard surface of a highway where parking spaces are not marked.
• On any bridge or overpass or in any tunnel.
• Within 30 feet of a rural mailbox on a state highway between 8 a.m. and 6 p.m.
• Within 30 feet of any flashing signal, stop sign or traffic signal.
• In such a way that you block or create a hazard for other vehicles.

Sunrise Car Insurance FAQs

Keep reading for a quick question and answer section about car insurance in Sunrise, Florida.

What car insurance is required in Sunrise, Florida?

According to Nolo, in order to register and drive a four-wheeled vehicle in Florida, vehicle owners must carry:

• $10,000 in personal injury protection (PIP) benefits, and
• $10,000 in property damage liability (PDL) benefits (which kick in if you damage someone else’s vehicle or other property in an accident).

Unlike almost every other state, Florida does not require drivers to carry liability coverage for bodily injury suffered by other drivers, passengers, pedestrians, and bicyclists in an accident caused by the policyholder.

What do I do if I get into an accident in Sunrise, Florida?

Nolo says that Florida is one of around a dozen states that follow some version of a “no-fault” car insurance system. That means, after a car accident, your own insurance coverage (in Florida, it’s called “personal injury protection” or “PIP” coverage) pays the medical bills and other financial losses of anyone covered under the policy (up to policy limits), regardless of who caused the accident.

No-fault/PIP claims have limits when it comes to the kinds of losses that are covered, though. You can’t get compensation for your “pain and suffering” and other non-monetary damages stemming from the accident.

Can I get insurance if I’ve been refused coverage for being a high-risk driver?

If you are unable to secure coverage via the voluntary insurance market due to a history of driving violations or accidents, you may be eligible for high-risk coverage through the Florida Automobile Joint Underwriting Association. Visit their home page to learn more.

What is the cost of living like in Sunrise, Florida?

According to a study by Sperling’s Best Places, the cost of living in Sunrise is above the nationwide average. Sperling’s cost of living numbers are based on a US average of 100. Sperling rated the cost of living in Sunrise at 107.

Housing is the biggest factor in the cost of living difference.

The median home price in Sunrise is $231,100.

How far is Sunrise from Orlando?

Are you thinking about taking a trip to Disney?

There are 177.73 miles from Sunrise to Orlando in northwest direction and 208 miles (334.74 kilometers) by car, following Florida’s Turnpike route. Sunrise and Orlando are three hours eight minutes far apart if you drive non-stop.

Did we answer all of your questions about car insurance in Sunrise, Florida?

By now, you should be an expert on all things related to safe driving and Florida car insurance laws. Now it’s time to start comparing rates on your own. To begin, enter your ZIP code in our free rate comparison tool located in the box below.

Happy shopping.