Car Insurance in Plantation, FL [The Complete Guide]
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UPDATED: Feb 20, 2020
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|City Data Summary||City Stats|
|City Density||4,320 people per square mile|
|Average Cost of Insurance in Plantation, FL||$4,643|
|Cheapest Car Insurance Company||State Farm, USAA|
Plantation is a town west of Fort Lauderdale and north of Miami. Despite the name, Plantation is mostly composed of metropolitan areas. In the western part of the town, however, there are several small lakes.
A few reviews on TripAdvisor say Plantation is a relatively safe place and good for those who want a balance between annual income and the cost of living.
Among the factors of the cost of living is car insurance. This guide will go through each of those factors and give you information on average annual rates from major car insurance companies in the town of Plantation.
In addition to car insurance premiums, we’ll provide transportation and traffic data to show you what you can expect from the city of Plantation. If you want to know how Plantation compares to the rest of the state, check out our Florida Car Insurance guide.
We’ve also got your car insurance search covered. Just Enter your ZIP code above to find great rates in your area.
The Cost of Car Insurance in Plantation
If you’re going to drive anywhere in the United States, you’re going to need car insurance. The average annual premium for car insurance in Florida is $4,681, but the average cost of car insurance in Plantation is slightly lower at $4,643.
Why is it this much? Car insurance companies have to assess the risk of each policyholder and the value of the policyholder’s vehicles. These assessments of risk can be looked at through different factors. This section of the guide explains each of those factors and how much their annual premiums are.
Do gender and age affect my car insurance in Plantation?
Car insurance companies often issue premiums based on age, gender, and marital status. These factors will determine the risk of the policy.
Statistics show that drivers who are younger and single tend to take more risks while operating a motor vehicle. Also, younger drivers are generally less experienced than older drivers.
Men take more risks on the roadway than women. Older married drivers, however, seem to be more efficient drivers, or it could simply be they’re less likely to be in a car accident.
First, let’s look at some average car insurance premiums as it relates to age.
|City||17 years old||25 years old||35 years old||60 years old|
Seventeen-year-old driver premiums are so expensive that the cost of insurance rivals college tuition rates. All other drivers, on average, pay at least $7,300 less per year.
What about the car insurance premiums (often referred to as rates) based on gender? Let’s review the average annual premium based on gender.
Male drivers pay $310 more than female drivers in Plantation.
Finally, let’s examine how much car insurance is on average when marital status, age, and gender are factors in determining policy.
|Plantation, FL Demographic||Average Annual Premium|
|Single 17-year-old female||$10,698|
|Single 17-year-old male||$12,913|
|Single 25-year-old female||$4,326|
|Single 25-year-old male||$4,615|
|Married 35-year-old female||$3,968|
|Married 35-year-old male||$3,878|
|Married 60-year-old female||$3,554|
|Married 60-year-old male||$3,618|
Policies are more than double of what all other drivers pay for car insurance. The cost to insure teen drivers is expensive. It would be a good idea to ask an insurance agent about discounts you’re eligible for.
The median age of Plantation residents is 39 years old.
Car insurance companies are not punishing policyholders for having teen drivers on their insurance, but the likelihood of an accident for teen drivers is higher than average.
Drivers who are 25 years and older pay significantly less. The average annual premiums for each age over 25 was even cheaper than the average amount based on age, gender, and marital status.
Why is the average in this table different than the car insurance premium in Plantation? The average in the demographics table is based on the average age, gender, and marital status of Plantation residents.
What are the cheapest ZIP codes in Plantation?
Did you know car insurance companies issue premiums based on ZIP codes? Each ZIP code carries its average premium for many reasons.
One reason is the average cost of property in a particular area. Areas, where property value is over a certain level, may warrant more expensive premiums. Listed below is a table that shows the car insurance premiums for each Plantation ZIP code.
|Plantation, FL Zip Codes||Average Annual Rate|
Do you see how the averages vary? Each area is different. Some ZIP codes are areas where there are more risks for motorists, so car insurance companies have to issue premiums based on the chance of risk in the area.
What’s the best car insurance company in Plantation?
Selecting a car insurance company is difficult. Some annual coverage rates work wonders for your annual income, while some coverages reassure you entirely. At the end of it all, you want to make a solid decision.
What company happens to have all of that? We don’t know the answer to that question, either. The best company for each driver is based on their needs. This, and all of our guides, simply inform you about car insurance premiums and other related facts.
Cheapest Car Insurance Rates by Company
What we can tell you about is that there are a few major companies in the United States and Plantation that have made their stake. We didn’t select these companies because we think they’re the best, but due to their overall ratings from financial performance review agencies such as A.M. Best and J.D. Power.
Plantation is in the Miami-Fort Lauderdale-West Palm Beach metro area, so car insurance is relatively close to the state average. How close are premiums from major car insurance companies in Plantation? Let’s explore those annual premiums in the table below.
|Group||Single 17-Year-Old Female||Single 17-Year-Old Male||Single 25-Year-Old Female||Single 25-Year-Old Male||Married 35-Year-Old Female||Married 35-Year-Old Male||Married 60-Year-Old Female||Married 60-Year-Old Male|
Based on the data, we see that Allstate has the most expensive car insurance premiums in the table. Policies for teen drivers are at least two times Plantation’s average annual premium. The cheapest companies in Plantation are State Farm and USAA.
Best Car Insurance for Commute Rates
Commute rates are car insurance premiums based on the mileage you’re expected to drive in a year. Based on our research, we found that the average annual mileage for a Florida motorist is 14,465 miles. Let’s look at the commute rates by each company.
|Group||10 Miles Commute,|
6000 annual mileage
|25 Miles Commute
12000 Annual Mileage
Nationwide and Progressive issue the same premium price regardless of the mileage you’re expected to drive during the year. The most expensive companies for commute mileage rates are Allstate, Liberty Mutual, and Progressive.
Best Car Insurance for Coverage Level Rates
When you’re enrolling in car insurance, you’ll have an option to choose what kind of coverage you want. The bare minimum requirement is liability coverage. State law requires that you have it.
Florida’s minimum requirements for car insurance is called the 10/20/10 rule.
This means that motorists living in Florida, including the city of Plantation, must have liability car insurance with coverage limits that cover $10,000 for bodily injury of one person per accident, $20,000 for bodily injury of two or more people per accident, and $10,000 for property damage per accident.
What if that’s not enough? Sometimes $10,000 isn’t enough money to cover the property damage of a new vehicle, especially if that vehicle is a total loss. You’ll need a higher coverage limit.
Higher coverage limits such as 50/100/50 and 100/300/100 increase car insurance premiums per year. Let’s look at some of the coverage level rates from each major company in Plantation.
Compared to some of the other companies, State Farm and USAA are more expensive when determined by coverage level. Allstate and Liberty Mutual continue as the most expensive.
Best Car Insurance for Credit History Rates
Car insurance companies also look at your credit history when they are considering a policy with you. Experian reassures us that when car insurance companies review your credit score, it doesn’t affect your credit score. So why do car insurance companies need to see it?
Experian says, “Credit scores can help provide insurance companies a basis to determine your financial ability to make premium payments on time.”
In addition to their estimation of whether you’ll make timely payments, car insurance companies relate credit history to a policyholder’s chances of filing a claim. According to Experian, there’s a correlation between a person’s credit score and the total cost to insure that person.
The better your credit, the less you’ll pay for car insurance. Let’s see the average based on credit history.
State Farm and USAA are the only two companies in the Poor Credit category that have a cheaper average annual rate compared to Plantation’s average annual rate ($4,643).
Allstate and Progressive are the only two companies in the Fair Credit category that have higher than average rates.
In the Good Credit category, all companies except for Allstate have cheaper-than-average rates for potential policyholders.
Best Car Insurance for Driving Record Rates
One of the most important factors is your driving record. A poor or questionable driving record could be costly when you’re trying to find car insurance. All drivers need to keep a clean driving record.
Car insurance in Plantation tends to have higher rates when you have a speeding violation, an accident, or you’re convicted of driving under the influence. DUI convictions have the highest increases in car insurance. Also, Florida has a lifetime washout period, which means a DUI will remain on your record for life.
Here are averages based on driving records.
|Group||Clean record||With 1 speeding violation||With 1 accident||With 1 DUI|
Of course, the cheapest rates are when drivers have a clean record. State Farm is the only car insurance company in the table that issues that same rate when a driver commits a speeding violation and DUI conviction.
What are some car insurance factors in Plantation?
In the cheapest ZIP code section of the guide, we talked about how some areas have property values that are much higher than in other areas. This section of the guide details that factor through the Brookings Institute’s Metro Monitor Report.
In addition to the Metro Monitor report, we’ll review the property value average, education, poverty among people, and common wages and jobs of people in the Plantation area.
Plantation, Fla. Metro Report
The Brookings Institute is a nonprofit public policy organization that conducts and displays in-depth research that leads to new ideas for solving problems facing society at the local, national and global levels.
Each report covers a particular metro area. Plantation isn’t a metro area, but it’s part of the Miami-Fort Lauderdale-West Palm Beach metro area. The Brooking Institute measures the performance of a metro area on a 100-point scale, where 1 through 20 is the best performance and 81 through 100 is the worst performance.
Here’s a summary of the report.
|Rating||% Change 1-Year||Growth 1-Year Rating||% Change 10-Year||Growth 10-Year Rating|
|% Change in Jobs||+1.70%||36||+7.80%||39|
|% Change in GMP||+3.40%||22||+8.80%||65|
|% Change in Jobs in Young Firms||+2.60%||62||-8.20%||29|
Job growth in the Miami-Fort Lauderdale area increased by 2 percent. In 10 years, job growth increased by 8 percent.
GMP stands for the gross metropolitan product. Sometimes it’s listed as the gross domestic product.
Gross domestic product (GDP) is the market value of all finished goods and services produced within a country’s borders over time.
From 2016 to 2017, the GMP increased, but for the last 10 years, the GMP in the area performed moderately as well despite the 9 percent increase.
The next table shows the prosperity levels of the larger metro area. Prosperity refers to the productivity, standard of living, and the average annual wage of people in the area.
|Rating||% Change 1-Year||Prosperity 1-Year Rating||% Change 10-Year||Prosperity 10-Year Rating|
|% Change in Productivity||+1.60%||22||+0.90%||79|
|% Change in Standard of Living||+2.50%||15||-4.20%||79|
|% Change in Average Annual Wage||+1.40%||24||+4.20%||62|
In recent years, 2016 to 2017 respectively, the Miami-Fort Lauderdale-West Palm Beach area’s standard of living in the metro area increased by nearly 3 percent with a prosperity rating of 15 out of 100.
However, the metro monitor reported that the standard of living over a decade for the Miami-Fort Lauderdale-West Palm Beach metro area decreased by 4.20 percent with a rating 79 out of 100.
Percentage change in wages overall saw an increase when measured by a one-year change and a 10-year change.
Average Household Income in Plantation
How much you earn is very important when you’re shopping for car insurance. Car insurance companies may be reluctant to give you a policy if you don’t earn enough per year.
The average household income in Plantation was reported at $69,531.
Does that mean most people in Plantation earn close to $70,000? No, it’s a rough estimate of what the average household makes. Household income may refer to the combined salaries of the average household or it could be the actual salary of one individual. It all depends on the circumstance.
Let’s compare the average household income of Plantation to the county it’s in, the state of Florida, and how it compares to the United States.
|Plantation, Fla. - Data USA Summary||Average Annual Income|
|Plantation, Fla. (city average annual income)||$69,531|
|Broward County, Fla. (county average annual income)||$54,895|
|Florida (state average annual income)||$50,883|
|U.S. (national average annual income)||$57,652|
Compared to Broward County, the state of Florida, and the U.S. average, Plantation has the highest median income.
How does car insurance affect average household income? Car insurance premiums are part of the cost of living for people who use a motor vehicle daily, and car insurance takes a percentage of your annual income.
How much percentage does it affect? Let’s use Data USA’s reported household income of $69,531 and Plantation’s average annual premium of $4,643.
To find the car insurance as a percent of income, we divide the average annual premium into the household income, which is $4,643 divided by $69,531. You’ll get a decimal answer of 0.06677. Move the decimal over two places and that’ll be your car insurance as a percent of income, which is 6.70 percent.
We’ve done the calculation for each major company by using their average annual premiums and dividing them into the average household income of Plantation. Here are the results.
|Group||Average||Insurance as a
% of Income
The companies with the lowest insurance as a percent of income are Geico, State Farm, and USAA. Allstate continues as the most expensive car insurance with over 13 percent insurance as a percent of income.
Want to know how car insurance affects you? Enter your estimated annual income into the Calculator Pro tool below along with one of the annual premiums listed in the guide to see what percentage of your income you’ll possibly pay in car insurance.
Homeownership in Plantation
Data USA reported that over 62 percent of housing was occupied by the homeowner, which is 2 percent higher than the Miami-Fort Lauderdale-West Palm Beach metro area. Plantation’s housing percentage is 2 percent lower than the U.S. average.
The median property value in Plantation is $292,700.
How does owning a home help or hurt your car insurance? Owning a home or having some sort of assets can help lower your car insurance.
Car insurance companies often spread their services to home, life, and business. If a policyholder of a car insurance company decides to insure their home with the same company, they could receive a discount. Renters, however, don’t receive discounts.
Education in Plantation
There aren’t any four-year schools in the city. The college in the Plantation area is the Florida Barber Academy. In 2016, 46 degrees were awarded. The closest university to Plantation is the University of Fort Lauderdale. It’s 10 minutes away from Plantation and is about four miles away. Broward College of Health Sciences, which is in Davie, FL, is 5.5 miles away.
How does education affect car insurance? Some car insurance companies offer discounts to college students who perform well in college. The student will need to show proof of good grades and satisfactory performance.
Wage by Race and Ethnicity for Common Jobs in Plantation
Let’s move on to wages. Wages, like household income, is the vital factor in paying for car insurance. We talked about the median household income as a general rule of thumb, but how does household income or annual salary look for Plantation residents by race and ethnicity. Is there a disparity?
The data table shown below describes the annual salaries of residents in Plantation by race and ethnicity. In addition to the annual salaries, we’ve included insurance as a percent of income using Plantation’s average annual rate for car insurance.
|Wage by Race and Ethnicity in Common Jobs||Miscellaneous Managers||Car Insurance as % of Income (MM)||Elementary & Middle School Teachers||Car Insurance as % of Income (E&M Teachers)||Retail Salesperson||Car Insurance as % of Income (Retail)||Customer Service Reps||Car Insurance as % of Income (Drivers)||Cashiers||Car Insurance as % of Income (Cashiers)|
|Native Hawaiian and Other Pacific Islander||$69,397||6.69%||$33,520||13.85%||$6,870||67.58%||$23,902||19.43%||$13,557||34.25%|
|Other Native American||-||-||-||-||$14,274||32.53%||-||-||$12,255||37.89%|
|Two or More Races||$68,409||6.79%||$39,183||11.85%||$19,616||23.67%||$24,232||19.16%||$11,921||38.95%|
There’s a wage disparity among race and ethnicity. Asian and white ethnic groups outearn other ethnic groups across the common jobs in Plantation. The highest-paid profession among the disparity is miscellaneous managers. The Asian ethnic group is the highest paid in that category. The lowest-paid in the table are Native Hawaiian and other Pacific Islanders.
The more money a person earns, the less the insurance is as a percentage of income. Those who are in a lower tax bracket may pay more for car insurance as a percent of income, but there are always routes to get a discount for car insurance. Ask car insurance companies how you’re eligible for them.
Wage by Gender for Common Jobs in Plantation
Does wage disparity affect gender as well? Men pay more money for car insurance, but do men pay more for car insurance as a percent of income? Let’s take a look at wages for each gender in Plantation and the common jobs among them.
|Wage by Common Jobs Summary||Male Salaries||Car Insurance as % of Income (Male)||Female Salaries||Car Insurance as % of Income (Female)|
|Elementary & Middle School Teachers||$47,064||9.87%||$43,727||10.62%|
|Customer Service Reps||$37,907||12.25%||$31,866||14.57%|
Male managers outearn female managers by almost $6,000. Female cashiers pay the most for car insurance as a percentage of income. Females, based on the table, pay more for car insurance as a percentage of income.
Poverty by Age and Gender in Plantation
According to Data USA reports, there are roughly 8,290 people who live in poverty in Plantation, which is 9.04 percent of the 91,700 people in the city. Which gender is more affected by poverty? Let’s look at the summarized data from Data USA’s research.
|Poverty by Age and Agender||Males in Poverty||Females in Poverty|
|Younger than 5||440||386|
|5 Years Old||23||42|
|6 to 11 Years Old||585||217|
|12 to 14 Years Old||143||169|
|15 Years Old||25||40|
|16 to 17 Years Old||86||86|
|18 to 24 Years Old||436||583|
|25 to 34 Years Old||528||848|
|35 to 44 Years Old||242||780|
|45 to 54 Years Old||354||408|
|55 to 64 Years Old||485||671|
|65 to 74 Years Old||158||182|
|75 Years and Older||148||229|
The age groups most affected by poverty were females from 25 to 44. Males in the same age group weren’t affected as much. The highest number of males affected by poverty were ages 6 through 11.
Poverty by Race and Ethnicity in Plantation
Let’s broaden the scope and look at how poverty affected each race and ethnic group.
|Poverty by Race and Ethnicity||% of Poverty by Ethnic Group|
|Two or More||1%|
The most common ethnic group living below the poverty line in Plantation are whites. The second-most group affected by poverty are blacks. The least affected by poverty are people who identify as two or more ethnic groups.
Employment by Occupations in Plantation
The most common jobs are office and administrative support jobs, management jobs, and sales and related jobs. The highest-paid jobs are law enforcement workers, supervisors, architecture and engineering jobs, and computer and technical jobs.
Jobs are related to wages, so car insurance companies will ask where you work and your occupation. Wages indicate whether a policyholder or potential customer can pay for the quoted premiums from car insurance companies.
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Driving in Plantation
The chances of getting in an accident are lower than in some cities in Florida, but the risk is still there. People must use the same level of alertness when driving through any city in the United States.
This section gives detail about the roadways in the city such as highways, road conditions, and automated enforcement. In addition to roadway information, we’ll talk about vehicle data in Plantation, traffic congestion levels, weather, public transit, and fatality rates.
What are the major roads in Plantation?
Although the town is small, a lot of people pass through its major roads. Some of those roads lead to an interstate or Florida state roads. This section will show and explain some roadway information that’ll help your commute through Plantation.
This sub-section will cover the major roadways in the city.
There’s one major interstate in Plantation, which is Interstate 595 (I-595). Other major highways in the town are state roads. They are FL-84, FL-736, FL-817, FL-823, FL-838, FL-842, US-441, and the Florida Turnpike.
Here’s a drive-time video showing a car ride on I-595 to Broward County, Fla.
There are two toll roads. One is FL-869 toll, which is west of Plantation, and the other toll road is the Florida Turnpike, located in the eastern area of Plantation.
The FL-869 toll road runs into highways FL-84 and I-595. The Florida Turnpike travels from Marion County, Florida, to Miami-Dade County. If you’re thinking of using any toll road in Florida, it may be convenient for you to get a SunPass.
A SunPass allows a driver to pay at cashless toll booths across Florida. The driver must set up a SunPass account, so when they pass through a tollway, they will be billed to that account. SunPass devices cost around $20 each.
The initial cost of purchasing the device is offset when drivers use toll roads with a SunPass. Most drivers will pay the lowest tolls available on Florida’s highways with a SunPass.
Popular Road Trips/Sites
Many visitors who come to plantation often visit Fort Lauderdale and Orlando due to the tourist attractions in those neighboring cities. Plantation appears to be a good resting pint between the two cities.
There are no road conditions from Tripnet listed for Plantation or the closest city to it, which is Fort Lauderdale. We could use Miami’s road conditions and vehicle operating costs, but it may not accurate. Here’s a short video of some of the roadways in Plantation.
From the video, we can see a driver riding smoothly along the highway during the night. We can assume that major roads in Plantation are mostly fair.
Does Plantation use speeding or red-light cameras?
The state of Florida is one of the states that use an automated enforcement system. The Insurance Institute for Highway Safety and Highway Loss Data Institute reported that Florida only uses red-light cameras.
What about Plantation? Does the city use them? Most counties and cities across Florida comply with state law. Expect red-light cameras to be in areas where there’s a lot of through traffic. Here’s a news report about Fort Lauderdale lawmakers’ fight to keep red-light cameras.
Red-light cameras may be up for the debate as you driving on the roadway, but it’s important to follow the road laws until lawmakers come to a definitive decision, so it’s best to drive as if the red-light cameras are still there.
What type of vehicles are in Plantation?
This section is all about vehicles. Florida’s most popular vehicle is the Toyota Corolla. We’ll look more into the vehicle details and tell you what the most popular vehicle in Plantation is, and how many cars are normally owned per household.
Most Popular Vehicles Owned
The Sun-Sentinel reported that the fastest-selling vehicles in South Florida, which includes Plantation, are these 10 vehicles:
- Lexus IS (compact)
- Lexus NX (subcompact SUV)
- Mercedes-Benz C-Class (compact)
- Audi A3 (compact)
- Toyota Camry (compact)
- Toyota Corolla (compact)
- Toyota RAV4 (SUV)
- Honda Accord (compact)
- Honda Civic (compact)
- Honda HR-V (subcompact SUV)
SUVs are typically gas guzzlers, but the latest models of some of these vehicles have become more fuel-efficient. The latest models have proximity sensors and cameras on cars to reduce collision with other cars, people, and other objects in the car’s path.
How Many Cars Per Household
Most households in Plantation own two cars. The national average for households that own two cars is 41 percent, according to Data USA. It was also reported that at least 49 percent of households in Plantation owns two cars, while the second-largest share of households owns one car (20.2 percent).
Households Without a Car
Data USA recorded that 985 households in Plantation don’t own a vehicle, which is 2.1 percent. The national average percentage of no cars owned is 4.37 percent.
Speed Traps in Plantation
A speed trap is similar to a sting operation where law enforcement sits at a designated area and monitors the speed of drivers on the roadway. Violators who are caught speeding or driving recklessly will be charged.
Speed traps are often responses from complaints made by residents in the area, other drivers, or an increase of motor vehicle accidents near or on that roadway.
The latest speed trap as reported on speedtraps.org was in 2013, which was on West Sunrise Boulevard opposite of Plantation Middle School.
Vehicle Theft in Plantation
Vehicle theft is one of the most common crimes in the United States.
The FBI’s crime data research reports Plantation had 269 vehicle thefts in 2018, while the neighboring town of Fort Lauderdale had 870 vehicle thefts. To counter this, you should talk with your car insurance company about comprehensive car insurance. Comprehensive coverage will compensate you if your car is stolen and damaged by a criminal.
What are the chances of that happening? Neighborhood Scout, a website dedicated to providing crime watch data, lists these risks in summarized data tables, which we’ve provided here for you.
But first, let’s look at the safest neighborhoods in Plantation, based on Neighborhood Scout’s report. These are the safest neighborhoods:
- The Plantation Isles
- NW 118th Avenue / West Broward Boulevard
- Route 441 / W Broward Boulevard
- The Plantation Park
- W Sunrise Boulevard / N Pine Island Road
Even though these cities are considered safe, there’s still a chance a person can be a victim of a crime. Neighborhood Scout scores the safety of a city using its crime index scale, which goes from one to 100, where 100 is the safest rating and one is the most dangerous. The crime index for Plantation is 13.
Let’s review the annual crimes per year.
|Crime Summary||Violent Crimes||Property Crimes||Total Crimes|
|Number of Crimes||242||2,740||2,982|
|Crime Rate (per 1,000 residents)||2.57||29.06||31.63|
Roughly three people per 1,000 residents are victims of violent crime, while 29 out of 1,000 residents are affected by property crime. Based on the data, a resident of Plantation is likely to encounter a property crime rather than a violent crime.
Let’s compare Plantation’s violent crime rate to the state and national crime rate to see the chances a resident has to become a victim.
|Violent Crime Summary||Violent Crime Rate||Chances of Becoming a Victim|
|Plantation||2.57||1 in 390|
|Florida (state average)||3.85||1 in 260|
A resident is less likely to encounter a violent crime in Plantation. The chance of becoming a victim in Plantation is one in 390, while the Florida state average says the chances are one in 260.
What about property crime? Let’s examine the chances of becoming a victim of property crime.
|Property Crime Summary||Property Crime Rate||Chances of Becoming a Victim|
|Plantation||29.06||1 in 34|
|Florida (state average)||22.82||1 in 44|
The national average for property crime is lower than Plantation’s and Florida’s average. The chance you could be a victim of property crime in Plantation is one in 34, which is 29 per 1,000 residents. The Florida average, however, points toward a one in 44 chance of becoming a victim of a property crime.
How is traffic in Plantation?
Traffic is one of the biggest challenges when commuting through any location in the country. During peak hours of the day, traffic tends to get heavy, but every city, county, and town has different levels of traffic. Is Plantation known for its traffic delays? This section will give details on the daily traffic conditions in the city.
Traffic Congestion in Plantation
We can determine the traffic forecast by reviewing web services that track traffic daily. Services such as Inrix, Numbeo, and TomTom broadcast traffic congestion daily and annually. However, Plantation doesn’t have any major traffic reports on either of these web tracking services despite being in the Miami-Fort Lauderdale-West Palm Beach area.
Do they have problems with traffic? Watch this news report from a local Plantation news station.
This video is an example of how common traffic congestion is even though the population of an area is smaller than bigger cities. Sometimes, spending an extra few minutes at work to avoid heavy traffic conditions may be better for your driving experience.
Next, let’s talk about the daily commute. How much time does it take for drivers to get to work and the commute from work to home?
The national average commute time is roughly 25 minutes. That’s about a total time of 50 minutes each day if you look at commute times on average in the United States.
Plantation falls directly within the national average commute time. Therefore, a motorist total time spent driving is a little less than an hour a day commuting. Only 2 percent of people in Plantation have super commutes.
Super commutes are commute times that are longer than 90 minutes.
The common method of commuting through Plantation is by driving. Data USA reported that nearly 82 percent of people drove alone to work, followed by 9 percent of people who carpooled. About 6 percent of people worked from home.
The busiest highways in Plantation are the conjunction highway of FL-84 and I-595 and the Florida Turnpike. The Florida Turnpike is used by businesses and residents alike. Many drivers use the turnpike to commute around the state of Florida.
If you’re commuting around Plantation and want to use any of these highways, expect longer-than-average commute times, especially around 8 a.m. and 5 p.m., which are peak traffic hours.
How safe are Plantation streets and roads?
Safety is vital when operating a motor vehicle. Even though you can do everything you can to prevent an accident, they still occur. Some of those accidents end with fatalities.
A way to look at the risks of driving your motor vehicle is to review the fatality numbers of your local area. Let’s start with Plantation.
The National Highway Traffic Safety Administration’s (NHTSA) researches crash and fatality data every year and reports it to the public. Their extensive research generally reviews fatalities by county rather than by city. Since Plantation is in Broward County, we’ll start there.
Here are the total numbers for all fatal crashes in Broward County.
|County Summary||2017 All Crash Fatalities||2018 All Crash Fatalities|
Fatalities in Broward County increased within a year.
We can break down the crash types by looking at each category from the NHTSA. Some crash types are in two or more categories. In other words, a single-vehicle fatal crash may have involved a driver under the influence, so that fatality will be considered in both categories. Let’s review each fatality by crash type.
|Crash Type in Broward County||2017 Fatalities||2018 Fatalities|
|Single-Vehicle Crash Fatalities||133||133|
|Roadway Departure Fatalities||63||69|
|Passenger Car Occupant Fatalities||83||76|
|Pedal cyclist Fatalities||10||16|
Alcohol-impaired driver fatalities increased by five from 2017 to 2018. Car insurance companies could increase high-risk driver rates based on this number.
Single-vehicle crash fatalities didn’t change, but speed-related crash fatalities increased by two. The number of fatalities justifies law enforcement for conducting speed traps around the city. They could be saving someone from a terrible accident.
Roadway departure crash fatalities are accidents where vehicles collide and go off the roadway upon impact. The total fatalities in roadway departures increased by six from 2017 to 2018.
Intersection crash fatalities normally happen within the urban areas, but they can occur around major highways, especially when highways run through urban traffic. In this category, crash fatalities decreased by four.
Passenger car occupant fatalities are fatalities where a passenger was affected in a fatal accident. There was a decrease in passenger car occupants from 2017 to 2018, but the fatalities for pedestrians increased from 64 to 71 fatalities.
The lowest values out of all the fatalities were pedal cyclist fatalities. Pedal cyclists are people who use a bike or vehicle that has pedals equipped on it to move. There were 10 fatalities in 2017, but it increased to 16 fatalities in 2018.
Now that you’ve seen the fatalities by crash type, you’re probably wondering what type of roads they crashed on.
The NHTSA measures road fatalities through their Fatality Analysis Report System (FARS). Here’s the FARS data from the NHTSA.
|Florida Area||Rural||Urban||Freeway and Expressway||Other||Minor Arterial||Collector Arterial||Local||Unknown||Total Fatal Crashes|
Compared to Florida, Broward County has a minimum amount of fatalities on its roads. The total fatal crashes for Broward County is 7.79 percent of Florida’s total fatal crashes.
The NHTSA categorizes roads by the amount of traffic they hold. Arterial roads are for heavy traffic. These roads are classified as highways or minor arterials (or city highways) depending on the traffic. Collector roads are roads that collect traffic and bring drivers to arterial roads (highways).
The last thing we’ll review is data from the U.S. Department of Transportation regarding railroad fatality data.
|Highway User Speed||Calendar Year||County||Highway||Highway User Type||Rail Equipment Type||Non-Suicide Fatality||Non-Suicide Injury|
|0||2013||BROWARD||N. E. 3RD AVENUE||Automobile||Freight Train||0||0|
|1||2013||BROWARD||SUNRISE BOULEVARD||Automobile||Freight Train||0||0|
|40||2014||BROWARD||CYPRESS CREEK ROAD||Automobile||Commuter||1||0|
|0||2015||BROWARD||N. E. 3RD AVENUE||Pedestrian||Freight Train||1||0|
|-||2016||BROWARD||ELLER DRIVE||Pedestrian||Freight Train||0||1|
The Highway User Speed is the speed the driver or person was going when the incident occurred. Only two fatalities and one injury were reported. One incident involved a vehicle while the other two incidents involving pedestrians.
Allstate America’s Best Drivers Report
Every year Allstate conducts a study where they measure the city with the best drivers. Plantation didn’t make the ranking in 2019, but the closest city, which is Fort Lauderdale, did. Since Fort Lauderdale is so close to Plantation, we decided to include the latest rankings in this guide.
|Allstate Best Driver Report Summary||Stats|
|2019 Best Drivers Report Ranking||62|
|Average Years Between Collisions||9.9|
|2018 Best Drivers Report Ranking||53|
|Change in Ranking From 2018 to 2019||-9|
|Relative Claim Likelihood (Compared to National Average)||0.068|
|Drivewise® HardBraking Events per 1,000 Miles||24.8|
The time between claims is roughly 10 years, which means people in the larger metro area of Fort Lauderdale file a claim every 10 years. The likelihood to report a claim or have a claim at all is 6.8 percent.
Hard-braking events describe the alertness of drivers. You may slam on the brakes to avoid hitting wildlife, a car, or a pedestrian that stops without warning. Fort Lauderdale drivers were recorded to have about 25 events per 1,000 miles
There are a few ridesharing services in Plantation.
- Blacklane — A rideshare service known for luxury vehicle transit offers seating for one to five people.
- Curb — Formerly known as TaxiMagic, it’s an alternative way for taxi drivers to earn money during slow business seasons.
- Lyft — One of the most popular ridesharing services. They offer low-cost service to service for those who want luxury vehicle transit.
- RideYellow — This is another app that taxi drivers can use in case the business gets slow.
- Taxi — Traditional taxis are still available in Plantation.
- Uber — Known internationally and offers low-cost rates for commuting around select areas.
For more details on what each rideshare offers specifically, check out RideGuru.
E-star Repair Shops
What are E-star® Repair Shops? E-star® Repair Shops are auto repair shops that comply with Esurance’s repair update system. What they do is alert the owner of a vehicle regarding the status of their repairs.
This is particularly helpful if a policyholder, not-at-fault driver, or at-fault driver’s vehicle has been in an accident and a claim is being used to repair a vehicle.
Here are 10 locations that are E-star compliant.
|Briceno Auto Body||1394 NW 65 WAY|
PLANTATION FL 33313
P: (954) 894-7776
|Carstar Ace Sullins Paint and Body ||6025 SW 35TH CT|
MIRAMAR FL 33023
P: (954) 983-0209
F: (954) 964-2237
|Coconut Creek Automotive LLC DBA King Co||4950 N STATE ROAD 7|
COCONUT CREEK FL 33073
P: (954) 283-4444
F: (954) 283-4449
|Diamond Automotive||2404 SW 58TH AVENUE |
WEST PARK FL 33023
P: (954) 963-4004
F: (954) 963-9244
|European Paint and Body, Inc||335 SW 15TH AVE|
POMPANO BEACH FL 33073
P: (954) 783-2434
F: (954) 783-0586
|Fender Mender Auto Body||1165 NW 55TH ST|
FORT LAUDERDALE FL 33309
P: (954) 772-0314
F: (954) 772-6806
|Lee's Car Care||714 NW 8TH AVE|
FORT LAUDERDALE FL 33311
P: (954) 463-4835
F: (954) 463-6477
|Lexus of North Miami||14100 BISCAYNE BOULEVARD|
MIAMI FL 33181
P: (786) 528-3926
|Rick Case Collision Center||15700 RICK CASE HONDA WAY|
DAVIE FL 33331
P: (954) 364-3269
F: (954) 364-3191
|TCA Broward Collision West||10301 NW 50TH ST.|
SUNRISE FL 33351
P: (954) 748-9902
F: (954) 748-6994
Most of these addresses are at least 20 miles within the Plantation radius. Be sure to bookmark this section in case you’re searching for an auto repair shop after an accident.
What is the weather like in Plantation?
Weather conditions can make a difference when driving in any city. Plantation rarely encounters snow or ice, but they do encounter plenty of tropical storms, torrential rain, hurricanes, and tornados. Let’s look at some basic weather stats to give you an idea of what the weather is like on average in Plantation.
|Climate Averages||Plantation, Florida||United States|
|Rainfall||65.2 in.||38.1 in.|
|Snowfall||0.0 in.||27.8 in.|
|Precipitation||135.0 days||106.2 days|
|Number of Days of Sun||249 days||205 days|
|Average July High||90.6°||85.8°|
|Average Jan Low||58.1°||21.7°|
The city of Plantation lists 75.4° as the average temperature. The table above is from a site called Best Places. It reports the most recent climate and weather data. Compared to the U.S. average, Plantation gets 44 more days of sun than the average for the country and 29 more days of precipitation.
City-Data reported that Broward County had 24 natural disasters in 2017, which is nine more than the U.S. average. The highest number of natural disasters in Broward County were hurricanes, fires, floods, and tornados.
Ask your car insurance company about comprehensive coverage to prepare yourself for possible damage from natural disasters.
Is public transit available in Plantation?
For those who don’t own a vehicle, you can still commute around the city through public transit.
The public transit system that operates in Plantation is Broward County Transit (BCT). Prices for adults on the standard bus system are:
- One-way pass — $2
- All-day pass — $5
- 3-day pass — $12
- 7-day pass (or 10-ride pass) — $20
- 31-day pass — $70
Seniors 65 and older and people with disabilities pay a discounted rate for public transportation through BCT. To receive a discount, the commuter must show proof of age through an I.D. or Medicare. Here are the fares:
- One-way cash fare, reduced — $1
- All-day bus pass, reduced — $4
- 31-day bus pass, reduced — $40
- Premium express one-way cash fare, reduced — $1.30
Individuals who are 18 and younger pay the same reduced prices as shown above.
Are there Alternate Transportation options available in Plantation?
If you don’t want to take the bus, you can bike to where you want to go. Broward County has its bike-share program called Broward County BCycle or Broward BCycle.
The cost for a 30-minute ride is $5, which you’re billed every 30 minutes. The maximum you can be charged is $25. Sales tax is added during the processing of all charges. If you sign up online, you’ll have an option for a seven-day membership ($25) or an annual membership ($45).
Is parking easy in Plantation?
Overall, residents and visitors should only park in metro areas that are designated for parking.
There are two areas in Plantation where you can park: Government Center West and West Regional Library Garage. It’s free to park in either of these areas. Here’s the address of both locations:
Government Center West
Address: 1 N. University Dr., Plantation, FL
Hours: Monday through Friday 6 a.m. to 7 p.m.; closed Saturday and Sunday
Access to: Broward County Government Center West
West Regional Library Garage
Address: 8601 W. Broward Blvd., Plantation, FL
Hours: Open 24 hours/day, 7 days/week
Access to: West Bus Terminal, West Regional Courthouse, West Regional Library, Westside Regional Hospital
How is the air quality in Plantation?
Motor vehicles produce smog, and it causes a lot of health problems for some people in the world. Some states mandate that drivers get emission tests as a way to meet Environmental Protection Agency standards in their local area.
Regardless of whether a state or city has these regulations, the EPA monitors air quality anyway. Every year the EPA calculates the air quality through the air quality index.
The air quality Index (AQI) measures how clean or polluted a city’s air is.
Although the EPA doesn’t monitor all specific areas across the country, they report the AQI of larger metro areas, which include cities and counties not listed in their database. Plantation is in the Miami-Fort Lauderdale-West Palm Beach metro area. The EPA does have AQI results for that area. Let’s take a look at the AQI.
|Miami-Fort Lauderdale-West Palm Beach AQI Summary||2018 AQI||2019 AQI|
|Days with AQI||365||272|
|Days Unhealthy for Sensitive Groups||4||2|
|Days Very Unhealthy||-||-|
There have been more days with good AQI in 2018 and 2019. However, the number of good days decreased from 2018 to 2019.
Military personnel and veterans are more than likely to receive car insurance discounts from car insurance companies. Some companies only offer it in certain cities and states, but ask for possible discounts anyway.
Here’s a list of several car insurance companies that offer military discounts:
- Liberty Mutual (must be active duty)
- Safeco (active or retired)
USAA policies are available to members of the military and their immediate families. USAA is known for some of the lowest car insurance premiums across the United States.
We talked briefly about USAA rates in each table at the beginning of the guide, but let’s take another look at car insurance premiums from each major company we mentioned.
|Group||Average||Insurance as a
% of Income
USAA has the lowest premium and the lowest car insurance as a percent of income.
According to Data USA, there are 2,729 older veterans living in Plantation.
Most of those veterans served in the Vietnam War.
Two military bases are less than 30 minutes away from Plantation. The U.S. Defense Department is about 22 minutes away from Plantation if you’re going by car — about 8.4 miles. The U.S. Army Reserve is about 11 miles away and takes 23 minutes to get there.
Here’s the address to each military base:
U.S. Defense Department
299 E Broward Blvd. # 103,
Fort Lauderdale, FL 33301
U.S. Army Reserve
5515 NW 15th Ave.
Fort Lauderdale, FL 33309
Unique City Laws
Florida has a hands-free law that bans all drivers from using a device while they are operating a motor vehicle. Teen drivers aren’t allowed to use a cellphone while driving unless it’s an emergency. Adults can’t use a cellphone while operating a vehicle while driving near school departures.
All cities and counties in Florida are compliant with state law, so it’s likely that if a driver is caught violating the hands-free law, they will be fined.
We searched for laws in Plantation regarding food trucks but only found county laws that relate to food truck law. Since Plantation is in Broward County, the food truck vendor will likely have to comply with Broward County regulations regarding food trucks.
The Law Firm of Jurado and Farshchian says that food trucks will need these things to operate a food truck in Broward County:
- A Business tax application
- A street vendor’s permit application
- Driver’s license
- Copy of vehicle’s registration
- Pictures of the cart — front, side, and rear
- Business name and phone number on the vehicle
- Proof of an Insurance policy
In addition to obtaining all these required documents, you’ll have to pass a health code inspection from county or state officials to operate the food truck.
One can really enjoy the culture of the people in the city when food trucks huddle together during events. Plantation has allowed that in their food truck law. It takes a few steps, however, to share that culture
Tiny homes are legal in Florida but are under strict regulations. Some of the homes are considered to be similar to mobile homes according to some laws and lawmakers.
Do your due diligence and research the county zoning laws before you decide to build a tiny home. This video shares more information on what to consider before building a tiny house.
Tiny Homes may be legal but they are buried under a lot of litigation. You’ll need permits, inspectors, and approval from local government.
There’s not much to parking in Plantation. The city rules are standard. Commercial vehicles or buses can’t be parked on residential district streets. Commercial vehicles must be parked in an enclosed garage or inside a carport. The same goes for recreational vehicles such as RVs, boats, and campers.
Parking situations often get complicated during events and peak hours of the day. To avoid getting a parking ticket, don’t illegally park or spend too much time in a space you didn’t pay for or has insufficient payment. Plantation may be more lenient but don’t count it.
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Plantation Car Insurance FAQs
For our final section, we want to answer many frequently asked questions about car insurance. If you would like a particular question asked, use our comment section to ask a question or to make comment about Plantation, Fla. insurance options. Let’s continue through this section with a few questions we didn’t elaborate on in the guide.
#1 — Is personal injury protection required when I get car insurance?
Yes. Personal injury protection or PIP is required and is coupled with your liability car insurance. If you think you need a higher coverage limit, ask your car insurance company for those options.
#2 — What is full coverage car insurance?
Full coverage car insurance is the combination of liability, collision, and comprehensive coverage. It’s much more expensive than the minimum requirements but provides absolute protection in case you’re in an accident.
#3 — I’m a high-risk driver. Can I find car insurance?
Yes. Some high-risk drivers are faced with higher premiums due to their driving record. If a car insurance company agrees to give you a policy when you have a bad driving record, consider yourself lucky.
Drivers who can’t find car insurance through the voluntary market have to report their attempts to the Department of Motor Vehicles in their local area to receive SR-22 coverage. That’s coverage where the state finds a car insurance company for you.
Nonpayment or getting into an accident, DUI, or speeding violation could make you ineligible to receive SR-22 coverage.
#4 — Can I save money if I use my parents’ insurance policy?
Yes. There’s something called nonowners car insurance. This will allow your parents to add your vehicle to your policy. Due to the number of people on the policy, the car insurance company may give you and your parents a discount.
#5 — Does my car insurance rate depend on the age of my vehicle?
Yes. Older vehicles are worth less money than many newer vehicles. If you were to get into an accident, it may be less than the coverage limit for liability car insurance. Car insurance premiums for older vehicles are typically lower.
Now that you’re up-to-speed on Plantation, FL, use our FREE tool to start your car insurance search today!