Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2021

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Pembroke Pines StatisticsDetails
City Population168,587
City Density5,100 people per square mile
Average Cost of Car Insurance in Pembroke Pines $4,449.92
Cheapest Car Insurance Company USAA
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No one likes to spend more than they need to on car insurance. In a perfect world, you could find the right auto insurance provider offering coverages you want at the rates you need immediately with a basic online search or a conversation with your insurance agent.

The trouble is, finding auto insurance isn’t usually so simple. There is a range of factors that affect the premiums carriers assess for your policy—and some of them might surprise you.

With so many auto insurance companies out there touting the reasons why they are better than the competition, how do you discern the ones that meet the mark from those that don’t?

If you’re tired of spending hours searching the internet for car insurance companies in Pembroke Pines, Florida, but still turning up empty—you’ve come to the right place.

Finding auto insurance in Pembroke Pines, Florida doesn’t have to be complicated, but you have to know what components to look for to pick the best coverage to safeguard all the motorists in your household.

Not sure what to look for?

No problem.

We took the time, conducted the research, and broke down the data to put together this complete guide to the best car insurance in Pembroke Pines, Florida. From the cost of coverage in your city to key factors that affect rates to traffic conditions to insurance discounts—we’ve got you covered.

Simplify your search for car insurance providers in Pembroke Pines, Florida when you obtain your FREE quote for multiple carriers in seconds with our online rate calculator. Just enter your zip code in the box above to begin. 

Now, let’s dive right into the cost of car insurance in Pembroke Pines.

Table of Contents

The Cost of Car Insurance in Pembroke Pines

The first and probably primary factor you will take into account when searching for car insurance is the cost of your coverage.

We get it! Cost is the number one factor for our team as well, so we examined and broke down the individual components that affect rates such as zip code, driving record, coverage level, and more.

Let’s get this show on the road.

– Male vs. Female vs. Age

It’s a long-held train of thought that men pay higher car insurance rates than women do. However, is this really the case?

Your age and gender are two significant factors that auto insurance companies will use to determine your rates, but that is certainly not the end of the story.

Let’s see what the statistics show.

Based on a recent study conducted by Data USA, the median age in Pembroke Pines, Florida is 40.1 years old. What this means, is that the wide majority of motorists in Pembroke Pines won’t be affected by higher auto insurance premiums.

The table below provides a breakdown of exactly how your age and gender could determine your coverage rates in Pembroke Pines, Florida.

Average Annual Rate $11,169.79$4,269.62$3,717.46$3,400.53
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As you’ve probably already noticed based on the data shown here, teen drivers are charged by far the highest rates of all age demographics. Not surprisingly either, 60-year-old drivers are assessed the cheapest rates across all motorist age groups.

In fact, there’s a nearly $8,000 rate disparity between what car insurance companies in Pembroke Pines, Florida charge teen drivers vs. senior drivers.

Even when you look at the rates charged to 25-year-old drivers vs. teen drivers, the gap is significant. On average, teen drivers have to pay about $7,000 more in premiums annually than 25-year-old drivers do.

In Pembroke Pines, Florida, male drivers pay out approximately$5,639.35 per year in auto insurance premiums, while female motorists are charged roughly $5,329.81 annually. The old addage that female drivers pay less for auto insurance rings true here, as they pay about $300 less per year for coverage than male drivers.

Now, let’s put it all together. Check out the table below to see how both your age and gender, along with your marital status could affect your car insurance premiums in Pembroke Pines, Florida.

DemographicAverage Annual Rates
Married 60-year-old male$3,433.51
Married 60-year-old female$3,367.55
Married 35-year-old male$3,682.73
Married 35-year-old female$3,752.19
Single 25-year-old male$4,422.67
Single 25-year-old female$4,116.58
Single 17-year-old male$12,256.65
Single 17-year-old female$10,082.93
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As you can see from the table above, both male and female single teen drivers are charged the highest rates while married, 60-year-old drivers pay the lowest premiums of all.

Why do auto insurance companies charge lower rates to married drivers?

Well, carriers often view marriage as a sign of increased stability and responsibility. Therefore, they conclude that married drivers are more likely to practice safer driving habits, making them far less risky to insure.

Single 25-year-old male and female drivers pay up to roughly $1,000 annually more for premiums than the married, 60-year-old driver demographic. The disparity is still notable, but single, 25-year-old drivers still pay far less than what single, teen drivers have to pay.

If you currently have or about to have teen drivers in your household—don’t give up the ship just yet.

While factors like age and gender are huge components insurers use to assess premiums, there are quite a few others they will take into account as well.

Let’s take a look at how your zip code could affect your car insurance rates in Pembroke Pines, Florida.

– Cheapest Zip Codes in Pembroke Pines 

The area that you live in could also have an impact on your annual premiums. Your coverage costs could vary by zip code based on influences such as the rates of crime in your area or its vulnerability to natural disasters.

The table below indicates the cheapest zip codes for auto insurance in Pembroke Pines, Florida.

Zip CodeAverage Annual Rate
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The data reveals only an approximate $100 difference in rates between the least and most expensive zip codes listed.

This is good news for residents of Pembroke Pines, Florida, because it means that coverage rates don’t vary too much between some of the primary zip codes in the city.

– What’s the Best Car Insurance Company in Pembroke Pines?

While numbers don’t lie, factors like your age and gender aren’t the only components carriers use to assess your rates.

Whether you’re worried about insuring younger drivers in your household or are concerned that you’re currently paying too much in premiums and want to make a switch, you won’t want to miss the other following key factors that help determine the cost of your coverage.

From the cheapest car insurance rates in Pembroke Pines, Florida to the best car insurance based on your credit history—it’s all here.

Let’s dive right in.

– Cheapest Car Insurance Rates by Company

The table we have here shows the cheapest rates for car insurance in Pembroke Pines, Florida by the company alone.

GroupMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old maleAverage
Liberty Mutual$4,668.98$4,668.98$4,274.32$4,274.32$9,910.32$15,290.53$4,668.98$6,346.25$6,762.84
State Farm$2,589.83$2,589.83$2,346.54$2,346.54$7,189.43$9,176.74$2,880.12$3,053.22$4,021.53
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According to the data collected by our in-house researchers, Allstate charges the highest annual rates across all age and gender demographics, while USAA charges the lowest, with almost a $5,000 annual premium difference between the two carriers.

For example, Allstate charges teen male drivers about $14,600 more in rates per year than they do 25-year-old male drivers.

While USAA also charges teen male drivers more than 25-year-old male motorists, there’s only about a $5,100 rate difference between these two age demographics. With each carrier, the older the age demographic, the cheaper rates they pay.

The lesson to be learned here is to start practicing safe habits behind the wheel at a young age so that as you get older, your rates will continue to lower and level out for the duration of your driving life.

Also, you should pick your car insurance company in Pembroke Pines, Florida based on the rates they charge to whatever age and gender demographic you fit into. Don’t just look at the overarching average for the company alone.

In this way, you can be sure you are picking the most cost-effective rates for your particular situation and potentially save more on coverage in the long run.

– Best Car Insurance for Commute Rates

Did you know that your daily commute could affect the auto insurance premiums you pay?

According to the Federal Highway Administration’s 2016 driving study, Florida residents drove an average of 14,465 miles in the state in that year alone.

The table we’ve included below shows the average annual premiums auto insurance companies in Pembroke Pines, Florida charge insureds based solely on the length of the consumer’s commute.

Group10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.Average
Liberty Mutual$6,542.56$6,983.11$6,762.84
State Farm$3,877.52$4,165.54$4,021.53
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You’ll notice that some insurers, but definitely not all, will charge you higher rates for car insurance if you have a longer commute.

For instance, companies like Nationwide and Progressive show the exact same premium costs for 10 vs. 25-mile commutes.

On the other side of the spectrum, a carrier like Allstate charges consumers with 25-mile commutes almost $500 more in rates per year than drivers with only a 10-mile commute.

So, if you have a considerable commute time to and from work each day, definitely keep this at the forefront of your mind when picking car insurance coverage in Pembroke Pines, Florida.

– Best Car Insurance for Coverage Level Rates

The coverage level you pick for your policy also has the potential to noticeably affect your premiums.

This makes perfect sense because if you want to add increased coverages on your policy besides the basic options, you should expect to pay more for this heightened protection.

Liberty Mutual$7,300.14$6,870.85$6,117.52$6,762.84
State Farm$4,515.58$4,117.56$3,431.45$4,021.53
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Depending on the insurer you end up selecting, the difference in the premiums you pay annually could be steep. For example, Allstate charges about $3,500 more in rates to insureds with high vs. low levels of coverage.

Companies like State Farm only charge roughly $1,100 more per year to consumers with high vs. low coverage levels.

With a carrier like USAA, the annual difference in premiums is right around $900. So, let’s break the numbers down a bit.

If you select high over low coverage with a carrier like Allstate, you can expect to pay about $300 a month more in premiums. Whereas with a company like State Farm, you’d only pay about $100 more per month.

With USAA, your monthly rate increase would be roughly $75.

The point here is that you can absolutely opt for higher levels of coverage on your policy without breaking the bank.

If higher policy coverages are your main goal, you’ll want to take a careful look at how different carriers assess rates for high vs. medium vs. low levels to ensure you’re getting the best rates for the coverage you require.

– Best Car Insurance for Credit History Rates

The strength of your credit score will also affect your car insurance rates in Pembroke Pines, Florida. While a few states forbid insurers from using your credit history as a factor when determining rates, Florida is not one of them at this point in time.

Check out the table below to see just how much your premiums could skyrocket or go down based on your credit score.

Liberty Mutual$5,172.97$6,391.56$8,723.98$6,762.84
State Farm$2,944.42$3,601.48$5,518.69$4,021.53
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The difference in rates based on your credit history is more significant with some carriers than others, but not shockingly, there is a noticeable gap in premiums across the board for good vs. poor credit.

For example, State Farm charges consumers with poor credit about $2,600 more annually for premiums than they do drivers with good credit.

Then you have a carrier like Allstate, that charges about $5,600 more in premiums to insureds with poor credit than to individuals with good credit.

The reality is, your credit history doesn’t just affect things like your ability to secure a better mortgage from a lender or rent out an apartment. Your credit habits, good or bad, will also impact the money you have to fork over for car insurance each month.

Don’t lose heart if your credit is less than stellar. It’s never too late to turn around your spending and credit habits to improve your credit score, which with time, can lower your car insurance rates in Pembroke Pines, Florida.

If you already have great credit, the good news is for you is that you will probably secure far lower auto insurance rates than the general population with less than optimal credit.

– Best Car Insurance for Driving Record Rates

You likely already knew that your driving record is another huge element insurers in Pembroke Pines, Florida factor into the picture when assessing your premium costs.

The table here reveals exactly how much your rates could go up or down based on your driving history.

GroupClean recordWith 1 speeding violationWith 1 accidentWith 1 DUIAverage
Liberty Mutual$4,857.66$6,657.31$6,327.65$9,208.73$6,798.01
State Farm$3,672.29$4,021.53$4,370.77$4,021.53$4,021.53
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Most carriers charge drivers with one DUI on their record the highest rates of all. However, some insurers actually assess higher premiums for motorists with one accident on their record than they do for insureds with a DUI.

For instance, Progressive charges individuals with one DUI about $1,300 more annually than drivers with a clean record, while charging insureds with one accident roughly $2,500 more per year than they do motorists with a clean driving history.

With a carrier like Liberty Mutual, the rates for drivers with a clean record vs. one DUI show an astonishing difference of around $4,400.

Practicing responsible driving habits whenever you hit the road doesn’t just keep you safe, but also helps ensure that you’re not going to end up paying mind-blowing premiums for coverage.

– Car Insurance Factors in Pembroke Pines 

Besides factors like your age, commute length, and credit score, there are some other surprising influences that will affect how much of your take-home pay gets eaten up by premium costs.

To start, let’s take an in-depth look at the median household income in Pembroke Pines, Florida as compared to the average cost of auto insurance in the city.

-Median Household Income

The graph below indicates Pembroke Pines residents’ average household income as of 2017.

In 2017, the median household income in Pembroke Pines, Florida was $65,805. This figure represented a 4.95 percent increase in income growth from the year before when the average resident’s annual income was $62,702.

The median household income in Pembroke Pines, Florida is also a bit higher than the median national income of $60,336.

Let’s break these numbers down in terms of auto insurance premiums. Remember, the average cost of auto insurance in Pembroke Pines is $4,449.92.

This means that on average, residents are paying out roughly 6.8 percent of their yearly income to cover the cost of auto insurance premiums.

The median household income in nearby Hollywood, Florida is $51,720. Residents there pay approximately $4,851.23 annually in premiums, which comprises about 9.4 percent of their yearly income.

So, compared to the surrounding region, residents of Pembroke Pines, Florida are paying out a fairly negligible portion of their salary to cover insurance costs.

Use the calculator below to see how much of your current annual income is been reduced by your yearly auto insurance rates.


– Homeownership in Pembroke Pines

You might not think that owning a home could affect your auto insurance premiums in Pembroke Pines, Florida, but being a homeowner could actually cut down your rates considerably.

Homeownership indicates financial responsibility to insurers, making you present far less of a risk to insure.

In addition, since you have to make monthly house payments as a homeowner, car insurance carriers also deduce that you’re more likely to fulfill your monthly auto insurance payments too.

As of 2017, Data USA reported that 72.1 percent of home units in Pembroke Pines, Florida were occupied by their owner. This was actually a small decline from the owner-occupation rate the year before of 72.2 percent.

However, the owner-occupation percentage in the city of Pembroke Pines is significantly higher than the national average of 63.9 percent.

The graph below provides a helpful breakdown of the homeownership percentage in Pembroke Pines, Florida as compared to neighboring areas.

Pembroke Pines, Florida has a slightly higher owner-occupation rate than neighboring Miramar and Davie, which show homeownership percentages of 69.9 percent and 69.8 percent, respectively.

However, the city of Pembroke Pines shows a significantly lower owner-occupation percentage than neighboring Southwest Ranches, which has a staggering 93.8 percent homeownership rate.

The chart below reveals the median property value of homes in Pembroke Pines, Florida.

As of Data USA’s most recent 2017 study, the median property value in Pembroke Pines, Florida was $245,900, representing a healthy increase from 2016’s median home value of $225,400.

The infographic above indicates the home units which are owner-occupied in Pembroke Pines, Florida by property value segments compared to the national average for each segment.

In the city of Pembroke Pines, the overarching majority of homes have property values ranging from $300,000 to $400,000.

– Education in Pembroke Pines 

Pembroke Pines has a number of universities and career colleges. As of 2016, Data USA reported that 302 degrees were conferred upon students in that year alone.

The student populace contains more female students than male students, with 716 women to 189 men.

The largest universities in the city by the number of degrees conferred are as follows:

The infographic below provides a comprehensive breakdown of the largest universities in the city by the degrees they awarded. 

In the same year, the most popular concentrations student chose for their major were:

  • Medical Insurance Specialist — 32 degrees conferred
  • HVAC & Refrigeration Engineering Technology — 30 degrees conferred
  • Medical Assistant — 29 degrees conferred

The visualization below reveals the percentage of the student population conferred one to two-year postsecondary certificates from higher-education institutions in Pembroke Pines, Florida based on their chosen concentration.

Other institutions of note in the city include Florida Technical College which offers both trade diplomas and online degree programs, and Broward College-South Campus, offering both Associates and Bachelors degree programs.

– Wage by Race and Ethnicity in Common Jobs

Factors like race and ethnicity can significantly impact workers’ wages for common jobs. The visualization below reveals the average wave by race and ethnicity for common job roles in Pembroke Pines, Florida.

As of 2017, Data USA revealed that Asians were the highest paid ethnic group in Pembroke Pines, Florida. Workers in this demographic were paid roughly 1.08 times more than Alaska Natives, who brought home the second highest salary of all the racial groups studied.

The table below breaks these numbers down further, revealing the average salary for common jobs by race and ethnicity compared to the percentage of workers’ income going to pay for auto insurance.

EthnicityMiscellaneous ManagersPremiums as Percentage of Income Elementary and Middle School TeachersPremiums as Percentage of IncomeRetail SalespersonsPremiums as Percentage of IncomeCustomer Service RepresentativesPremiums as Percentage of IncomeCashiersPremiums as Percentage of Income
Native Hawaiian and Other Pacific Islander$69,3976.4%$33,52013.3%$6,87064.8%$23,90218.6%$13,55732.8%
Two or More Races$68,4096.5%$39,18311.4%$19,61622.7%$24,23218.4%$11,92137.3%
Black $65,7616.8%$39,81111.2%$19,04623.4%$24,90517.9%$13,84732.1%
American Indian$48,7979.1%$28,66915.5%$32,62113.6%$25,43717.5%$11,93737.3%
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It’s pretty interesting to see how much of your salary could be eaten up by auto insurance premiums in Pembroke Pines, Florida based solely on factors like your race and ethnicity.

Individuals in the highest earning demographic (Asians) in miscellaneous managerial roles pay out just around 5 percent of their income to cover insurance costs.

For workers in the lowest earning demographic (Two or More Races) in a more entry-level role like cashier, these individuals pay out roughly 37 percent of their annual earnings in car insurance premiums.

– Wage by Gender in Common Jobs

As the data here shows, the gender wage gap is alive and well. As of 2017, full-time male workers in Pembroke Pines, Florida earned 1.34 times more than their full-time female counterparts.

In 2017, the average male salary in the city was $58,931 while the average female salary was $44,078. Consider, that the average cost of auto insurance in Pembroke Pines is $4,449.92. This means men are paying out 7.6 percent of their income to cover premiums while women are laying out 10.1 percent of their salary for car insurance.

That’s not even to mention the more than $14,000 wage gap between genders. Even if male and female workers have the same full-time job role, the data indicates that men will still earn more money.

– Poverty by Age and Gender

The infographic above reveals poverty levels by age and gender in Pembroke Pines, Florida. The largest demographic of individuals living below the poverty line are females aged 75 and up. 

The second and third largest demographics of individuals living in poverty are females between the ages of 65 and 74 and females between 45 and 54.

Of the city’s population for whom poverty status was assessed, 8.44 percent of those individuals were found to be living below the poverty line. This translates to roughly 14,000 out of 166,000 individuals living below the poverty line in Pembroke Pines.

– Poverty by Race and Ethnicity

You know now how race and ethnicity can affect wages and how much of your income could be eaten up by insurance premiums. Check out the visualization below, showing how race and ethnicity impact poverty rates in Pembroke Pines, Florida.

In 2017, the largest racial group living in poverty were White individuals, with Hispanic and Black ethnicities following in second and third place.

That year, Data USA reported 10,060 White and 7,020 Hispanic individuals living below the poverty line. The third largest ethnic group living in poverty (Black ethnic groups) comprised 2,364 residents.

-Employment by Occupations

Pembroke Pines experienced healthy rates of job growth in 2017, with a 1.33 percent increase in employment from the year before. In 2017, there were 82.7k employees in Pembroke Pines, Florida, as opposed to the 81.6k workers the year prior.

The most common job roles that year were as follows:

  • Office and Administrative Support Occupations — 14,156 people
  • Management Occupations — 10,680 people
  • Sales and Related Occupations — 10,644 people

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Driving in Pembroke Pines

In order to stay safe when you head out on the open road, it’s important to know what kind of driving conditions you’re up against.

Let’s take a look at the top routes both in and around Pembroke Pines, Florida.

– Roads in Pembroke Pines

Don’t stress out over driving in your city. Here’s what you need to know about major highways in your area, popular road trip sites for your next adventure weekend, road conditions, and more.

– Major Highways

Florida has 12 total active routes stretching throughout the state, making up 1,497.58 miles of roadway. These highways are:

Interstate 75 is one of the major highways in the area of Pembroke Pines, running through the western suburbs of the city. It commences at the border of Hialeah and Miami Lakes and continues all the way to Sault Ste. Marie in Michigan.

The Sunshine State has more miles of toll road than any other state nationwide, with tolls stretching 700 miles through its cities. One of the state’s primary toll roads is Florida’s Turnpike, which extends 483 miles up and down the state, running directly through the Pembroke Pines area.

According to Florida’s Turnpike website:

Florida’s Turnpike System includes the Mainline from Miami to Central Florida, as well as the Homestead Extension (HEFT), Sawgrass Expressway, Seminole Expressway, Beachline Expressway, Southern Connector Extension, Veterans Expressway, Suncoast Parkway, Polk Parkway, Western Beltway and the I-4 Connector.

Drivers who navigate this toll road often should purchase the SunPass toll pass, an electronic responder which you can secure onto your windshield to pass through the O-Pass, SunPass, and E-Pass lanes.

The SunPass is also valid for use in the states of Georgia and North Carolina. Whenever you pass through a toll gantry, the transponder is activated and toll charges are deducted from your prepaid account.

You can utilize your SunPass for parking at any of these airports as well:

  • Fort Lauderdale International
  • Orlando International
  • Tampa International
  • Palm Beach International

If you decide to purchase a SunPass, you’ll have two options to pick from— the SunPass Portable and the SunPass Mini. The SunPass Portable is just what its name indicates. It is a portable pass that you can move from vehicle to vehicle if you so desire, affixing it to your windshield with suction cups.

The SunPass Mini is a permanent sticker that you can only use once by sticking it right onto your windshield.

The SunPass Portable costs $19.99, exclusive of tax, while the SunPass Mini costs $4.99 if you purchase it online. You can purchase your pass either online or at one of the approved retailers.

After you obtain your pass, you must have a minimum starting balance of $10.00 and register your pass. To register the SunPass, simply:

– Popular Road Trips/Sites

Whether you want to up your weekend game or get out of town for a road trip adventure, Pembroke Pines, Florida and the surrounding region is chock full of fun things to do and see.

Check out these top road trip adventures and cool sites you just won’t want to miss!

  • Be a Tourist in Your Own City — If you’re pressed for time, that doesn’t mean you can’t enjoy a few hours away from work or out of the house to have some fun. Why not be a tourist in your own city? Check out this list of the 15 Best Things to Do in Pembroke Pines, Florida, from camping at C.B. Smith Park to shopping to Pembroke Gardens to skating at the Pines Ice Arena.
  • The Scenic Road Trip — If you’re up for a stunning scenic road trip, this 32-mile drive will take you all along the Broward County A1A Scenic Highway from Deerfield Beach to Hallandale Beach. Enjoy the beach and stop for a bite along the way to make a day of it!
  • The Ultimate Road Trips for Your Summer Vacation — Trying to plan out your summer vacation? We bet you’ll take a second look at these 5 Florida road trips to get the whole family out in nature, seeing amazing hidden sights, and enjoying some essential R&R.
  • The Relaxing Getaway Trip — Since Pembroke Pines, Florida is only about 23 miles from Miami, these 8 Actually Sweet Road Trips to Take From Miami will lead you to some of the top spots throughout the state. From St. Augustine to St. Petersburg, some of these stops are just a few hours away by car. The perfect choice for a quick weekend getaway!
  • The Food Lover’s Dream — Whether you’re planning a weekend out of town or a full-blown vacation in the area, these Best South Florida restaurants are a foodie’s paradise. From Jardin in West Palm Beach to nine one five in Key West, you might just find your new favorite restaurant on this list!
  • Fabulous Day Trip Destinations — Need a day away from it all? Check out the Best Quick Day Trips Around South Florida to add a little adventure into the mix.

Road Conditions

As of May 2019, The Florida Department of Transportation is in the midst of a mobility improvement project involving Pembroke Pines and the city of Hollywood.

The project extends from Pines Boulevard/Hollywood Boulevard from east of US 27 all the way to Calle Largo Drive and Flamingo Road from Pembroke Road to NW 4 St.

The mobility improvements project involves:

  • Updating pedestrian signals
  • Modifying crosswalks and pedestrian ramps to be ADA compliant
  • Modifying drainage structures and lighting
  • Minor widening
  • Installing a steel sheet pile wall and a guardrail
  • Resurfacing preexisting roadway that is connected with pedestrian upgrades
  • Extending the turn lanes
  • Resurfacing, widening, and restriping the roadway to incorporate bike lanes in each direction
  • Updating crosswalks and pedestrian ramps

The estimated construction costs for the project total $2.3 million. The project has a target completion date of Summer 2019. For updates on lane closures and the latest project developments, visit FDOT’s page for the project here.

– Does Your City Use Speeding or Red Light Cameras?

Florida does allow the use of red-light traffic cameras statewide, with a $158 fine resulting for violations. A driver who is cited for violating the traffic signal will not receive any points on their record. There are no city ordinances or state laws in place currently regarding speeding cameras.

– Vehicles in Pembroke Pines 

Most cities have unique and interesting trends for vehicle ownership, and Pembroke Pines is no exception.

Let’s take a look at the average number of vehicles per household in Pembroke Pines, Florida along with important data like speed traps and vehicle theft rates.

– How Many Cars Per Household?

Data USA’s recent study revealed that residents in Pembroke Pines, Florida have two cars on average, with the second largest demographic owning three cars per household.

– Households Without a Car

Even though most people residing in Pembroke Pines own at least two cars, some households do not own a vehicle at all. The data below from 2015 and 2016 shows the percentage of households in the city that rely on transportation options other than their own vehicles.

YearHouseholds Without VehiclesVehicles Per Household
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As you can see, the percentage of households without vehicles went down between 2015 and 2016, while the number of vehicles per household remained the same.

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– Speed Traps in Your City

No one wants to be the victim of a speed trap. Have you ever whizzed by a cove or group of trees on the road just a bit over the speed limit, when suddenly a police car emerged and began hot pursuit of your vehicle?

That’s a speed trap.

The great news for residents in Pembroke Pines, Florida is that the city didn’t even make it to the list of the of The 10 Worst Florida Speed Trap Cities. With that said, always utilize safe and cognizant driving habits when behind the wheel, so you’re not the unwitting victim of a speeding citation.

– Vehicle Theft in Pembroke Pines

In 2016, the FBI’s Crime in the U.S. Report recorded 263 motor vehicle thefts in Pembroke Pines, Florida. The next year in 2017, Neighborhood Scout reported that there were 314 motor vehicle thefts in the city, making for a theft rate of 1.84 per 1,000 residents.

Neighborhood Scout has indicated that the following neighborhoods are the safest areas in the city that residents should consider:

The map below indicates regions in the city that are the most dangerous for residents to live in.

According to Neighborhood Scout, your chance of becoming a victim of violent crime is 1.92 out of 1,000 residents. This figure is significantly lower than the statewide median that gives you a 4.08 per 1,000 people chance of becoming a victim of violent crime.

Neighborhood Scout also reported that Pembroke Pines, Florida is safer than 25 percent of U.S. cities, rating it number 25 in the crime index (with 100 being the safest).

The table below reveals the incidents of violent crime in Pembroke Pines in 2017 alone.

Pembroke Pines Violent Crimes 2017MurderRape Robbery Assault
Report Total12887211
Rate Per 1,000 People0.010.160.511.24
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Below are the annual number of crimes in Pembroke Pines, Florida reported in 2017.

Pembroke Pines Annual CrimesViolent PropertyTotal
Number of Crimes3273,7724,099
Crime Rate (Per 1,000 Residents)1.9222.1024.01
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While the incidence of violent crime is definitely lower in Pembroke Pines than other larger cities in the state, you may still want to consider looking at the city’s safer neighborhoods mentioned above.

– Traffic

Getting stuck in traffic is no fun. Keep reading for an in-depth look at the average commute time city residents face daily, transportation stats, road safety data, and so much more in Pembroke Pines, Florida.

Let’s dive right in.

– Transportation

Did you know that the average employee in Pembroke Pines, Florida has a longer commute time than the average U.S. worker? Workers in Pembroke Pines have an average commute time of 30.2 minutes, while the average U.S. worker’s commute is 25.1 minutes.

Roughly 2.3 percent of workers in the city have what are deemed “super commutes” of over 90 minutes.

The chart below reveals the average travel time commuters in Pembroke Pines, Florida face daily as compared to nearby cities and the national average.

As of 2017, Data USA reported that Drove Alone was the most common commute method workers chose, making up 86.3 percent of the working population. Approximately seven percent of workers Carpooled, while 4.19 percent reported Working At Home.

For a comprehensive breakdown of these stats, check out the chart below.

– How Safe Are Pembroke Pines’ Streets and Roads?

You’ve learned about key crime rate stats in Pembroke Pines, Florida. Now, it’s time to take an in-depth look at the road dangers on Pembroke Pines’ streets and roads.

The kind of crash involved or impairment factors like high BAC levels all have the potential to significantly increases road hazards for drivers in the city.

Bear in mind, these stats are not designed to scare you or deter you from getting behind the wheel. Instead, let them be both a reminder to practice cognizant, defensive driving habits and a tool to inform you so you can be prepared whenever you operate your vehicle.

The table below reveals the total fatal crashes in Broward County in 2017, according to data provided by The National Highway Traffic Administration.

County NameTotal Fatalities 2013Total Fatalities 2014Total Fatalities 2015Total Fatalities 2016Total Fatalities 2017Fatalities Per 100K 2013Fatalities Per 100K 2014Fatalities Per 100K 2015Fatalities Per 100K 2016Fatalities Per 100K 2017
Broward County1801732242452259.789.2711.8412.7811.62
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The next table shown below indicates the total fatalities in Broward County in 2017 based on the type of crash, such as whether the collision involved an alcohol-impaired driver or a pedestrian fatality.

Crash TypeTotal Fatalities 2013Total Fatalities 2014Total Fatalities 2015Total Fatalities 2016Total Fatalities 2017Fatalities Per 100K 2013Fatalities Per 100K 2014Fatalities Per 100K 2015Fatalities Per 100K 2016Fatalities Per 100K 2017
Involving an Alcohol-Impaired Driver (BAC .08+)51425666572.772.252.963.442.94
Involving a Single Vehicle Crash1111101311541326.035.896.938.036.82
Involving Speeding28193028221.521.021.591.461.14
Involving a Roadway Departure52527080622.832.793.704.173.20
Involving an Intersection (or Intersection Related)72537081873.912.843.704.234.49
Involving Passenger Car Occupant Death48357095832.611.873.704.964.29
Involving Pedestrian Death48575867642.613.053.073.493.31
Involving Pedalcyclist Death13131413100.710.700.740.680.52
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The following table reveals additional data released by NHTSA regarding Florida highways with the highest incidence of crash fatalities.

Florida Road TypeFatal Crashes
Rural 97
Freeway and Expressway84
Minor Arterial458
Collector Arterial309
Total Fatal Crashes 2,922
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Let’s dissect the information in the table above to make it simpler to evaluate against your own driving route habits.

Alterial roads are categorized has high-capacity urban roads. Depending on how much traffic filtering in and out of a particular area, the arterial road could be conisdered a highway or a minor arterial road.

Collector roads gather traffic from local roads and route motorists to arterial roads. As you might have already noticed from the table here, the highest number of crash fatalities on Florida roads occur on roads classified as “Other” and “Unknown”.

On the other hand, urban roads and freeways show some of the lowest crash fatality rates in the state. The moral of the story is, that back roads and routes off the beaten path might save you from bad traffic in your daily commute, but do not necessarily pose less danger than busier roadways.

– Allstate America’s Best Drivers Report

According to Allstate’s Annual Best Drivers in America Report, Pembroke Pines rates 101st as the safest city to drive in as of 2018. Residents typically have 8.2 years between claims, on average.

The relative likelihood of a claim being made as compared to the national average is 21.90 percent. Allstate’s report also revealed that drivers encounter 28.2 hard-braking events per 1,000 miles.

Drivers could brake for an array of reasons, such as red lights ahead, an obstacle in the road, or a collision blocking the roadway, to name a few instances.

– Ridesharing

If you’re a frequent user of ridesharing services, it’s important to know exactly what options you have to pick from in Pembroke Pines, Florida.

Currently, the following rideshare providers are available in Pembroke Pines (ranked from the least to the most expensive):

  • Uber X
  • RideYellow
  • Lyft Premier
  • Taxi
  • Curb
  • Uber Lux
  • Lyft Lux

– EStar Repair Shops

Whether you were recently involved in an auto accident or want to make sure you are prepared in the event your car needs repairs, the EStar Program could be just what you’ve been looking for.

Sponsored by Esurance, the program helps vehicle owners find the top repair shops in their area. Check out the top 10 repair shops within a short driving distance of Pembroke Pines, as listed by EStar.

Shop NameAddress Contact Info
Email: [email protected]
P: (954) 983-0209
F: (954) 964-2237
Email: [email protected]
P: (954) 963-4004
F: (954) 963-9244
Email: [email protected]
P: (305) 364-3676
F: (305) 364-3685
DAVIE FL 33331
Email: [email protected]
P: (954) 364-3269
F: (954) 364-3191
MIAMI FL 33181
Email: [email protected]
P: (786) 528-3926
Email: [email protected]
P: (954) 894-7776
MIAMI FL 33142
Email: [email protected]
P: (305) 633-3304
F: (305) 633-3320
Email: [email protected]
P: (954) 463-4835
F: (954) 463-6477
Email: [email protected]
P: (954) 748-9902
F: (954) 748-6994
MIAMI FL 33144
Email: [email protected]
P: (305) 266-7880
F: (305) 264-9952
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– Weather

Situated in South Florida, Pembroke Pines residents enjoy mild temperatures in the cooler months and sometimes sweltering heat in the warmer seasons. U.S. Climate Data releases studies regarding average temperatures nationwide by city.

While they did not reveal data specific to Pembroke Pines, their list included the average temperatures in nearby Hollywood, Florida which are listed below:

  • Annual High Temperature — 82.9 F
  • Annual Low Temperature — 68.6 F
  • Average Temperature — 75.75 F
  • Average Annual Precipitation — 64.37 F

Broward County has experienced a total of 24 natural disasters, which is much higher than the national average of 13. Of the 24 natural disasters, 15 were declared national emergencies by the President.

The causes of these natural disasters include:

  • Hurricanes (14)
  • Fires (three)
  • Floods (three)
  • Tornadoes (three)
  • Freezes (two)
  • Tropical Storms (two)
  • Heavy Rain (one)
  • Storm (one)
  • Wind (one)
  • Other (one)

Bear in mind, some natural disasters could fall into more than one category.

With such a high incidence of natural disasters in Pembroke Pines, Florida, it is wise to consider purchasing comprehensive coverage for your auto insurance policy.

Comprehensive coverage is invaluable to provide for damage to your vehicle resulting from something other than a rollover event or accident. For instance, if your car is damaged by fires, hail, floods, or vandalism, comprehensive coverage could save the day.

– Public Transit

Pembroke Pines, Florida together with the Broward County Transit offer a free Community Bus Service to residents to make it easier to move from place to place within city limits. There are three route schedules for the Community Bus Service: Green, Gold, and Blue.

For more information, visit the City of Pembroke Pines’ website here.

– Alternate Transportation

Alternative forms of transportation like a bike or scooter rentals have become a popular method to get people where they need to go without worrying about exhaust fumes and parking troubles.

While alternative transit providers like Lime and Bird don’t operate in Pembroke Pines just yet, they do serve nearby Fort Lauderdale and Miami.

Check out the city pages for Lime and Bird to learn more.

– Parking in Metro Areas

There are several free parking options in Pembroke Pines, Florida. Street parking appears to be limited. The city has 128 public charging stations for electric vehicles within a 9.3-mile radius as well, including both Level Two and Three ports.

Of these ports, 70 percent are Level Two charging areas and 35 percent provide free charging capabilities. The primary charging networks in Pembroke Pines, Florida are SemaCharge and ChargePoint.

– Air Quality in Pembroke Pines

While the vehicles of today don’t typically emit the toxic, smelly fumes of yesteryear, they can and do still contribute to overall air pollution.

The table below indicates the Air Quality in Broward County in 2016, 2017, and 2018 as reported by the Environmental Protection Agency.

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According to the EPA’s studies for those three consecutive years, days with good air quality were consistent and far outweighed the bad days.

As you can see, there were no days with air quality listed as “Unhealthy” or “Very Unhealthy” between 2016 and 2018, which is shows that the level of pollution in the city is negligible.


If you are currently in active service or previously served in the military, you could be eligible for auto insurance discounts in Pembroke Pines, Florida.

Keep scrolling for everything from a breakdown of veteran stats in the city by service period to the top providers that offer discounts to veterans and members of the military.

– Veterans by Service Period

In Pembroke Pines, Florida, the most significant population of military personnel who live in the city are residents who served in the Vietnam War. The second and third most common service periods are the second and first Gulf Wars, respectively.

There are 1.5 times more veterans who served in the Vietnam War residing in Pembroke Pines than former military personnel from any other service period.

As of 2017, there were 1,445 Vietnam veterans, 962 veterans from the second Gulf War, and 923 veterans from the first Gulf War living in Pembroke Pines, Florida.

– Military Bases Within an Hour

There are a number of military bases within about an hour of the city, making Pembroke Pines an excellent choice for personnel stationed nearby.

  • USAREC Miami Battalion in Doral
  • US Army Reserve in Fort Lauderdale
  • Homestead Air Reserve Base in Homestead
  • The U.S. Naval Reserve Center in West Palm Beach
  • The U.S. Army Recruiting Center in Lake Worth
  • The U.S. Marine Corps Reserve in West Palm Beach

– Military Discounts by Provider

The table below reveals the top known providers that offer discounts for personnel who are on active duty and/or are retired from the military.

InsurerPercentage Saved with Discount
Geico (may be active or retired)15%
Liberty Mutual (must be active duty)4%
MetLife15% (could vary based on years of service)
Safeco (may be active or retired)N/A
USAA (policyholder, spouse, or parents must be active or retired military to secure policy)N/A
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In addition to their insurance discounts, USAA also offers discounts on military garaging for vehicles parked on military bases.

As you look at the table above, bear in mind that not every company released the percentage you can save with them through military discounts, but these carriers do still offer the discounts.

– USAA Available in Florida

Around the country, USAA is available to U.S. military personnel and their families only. The table below reveals just how much you can save with USAA, comparing the insurer’s rates to its competition and the state average (which is roughly $4,680.46).

GroupAnnual PremiumCompared to State Average (+/-)Compared to State Average (%)
Liberty Mutual$5,368.15$687.6912.81%
State Farm$3,397.67-$1,282.79-37.75%
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USAA’s rates clearly leave the competition in the dust, costing approximately 64 percent less than the average cost of auto insurance in the state of Florida.

Unique Pembroke Pines Laws

Before we let you go, take a look at these important laws governing drivers in your city and state.

– Hands-Free Driving Law

Previous Florida legislation banned drivers from texting while behind the wheel, but distracted driving was still considered a secondary offense. A stricter law was recently passed that now categorizes distracted driving as a primary offense. The bill is set to go into effect on July 1, 2019.

– Food Trucks

Pembroke is one of a number of cities in Broward County that permits food trucks to operate in the actual city rather than just for certain events or temporary business. Individuals wishing to start their own food truck in Pembroke Pines, Florida must obtain a local business tax registration at the county level.

At the local city level, Pembroke Pines requires individuals to obtain a City of Pembroke Pines Local Business Tax Receipt before the Broward County Local Business Tax Receipt.

Before you apply, you must already have registered your business and be active with the Division of Corporations in the State of Florida. Your business must have an active Federal Tax ID number.

For application forms, packets, and information about submitting your application visit the city’s Business License webpage here.

Tiny Homes

Broward County is currently considering allowing the use of accessory dwelling units as a method to offer more affordable housing (or granny flats) to low-income residents. To find out if the type of tiny house you’re interested in building is permitted where you live, contact the Building Department of the City of Pembroke Pines.

– Parking Laws

All vehicles parked in the city are required to have current registration. Vehicles stored or parked on private property must be well maintained with inflated tires and should not be supported by blocks or jacks.

All vehicles must be parked in adherence with the Pembroke Pines City Code. Special-purpose vehicles like race cars must be kept in a completely enclosed garage.

Both in Pembroke Pines, Florida and statewide, parking is not allowed in the following circumstances:

  • On sidewalks
  • On crosswalks
  • On the roadway side of another stationary, parked car
  • In front of driveways
  • Within an intersection
  • By yellow curbs or where there are “No Parking” signs
  • Within 15 feet of a fire hydrant
  • Within 20 feet of an intersection
  • Within 50 feet of a railroad crossing
  • Within 20 feet of an entrance to a rescue squad, ambulance, or fire station
  • On unmarked, hard surface of a highway
  • On any overpass, tunnel, or bridge
  • Within 30 feet of a stop sign, flashing signal, or traffic signal
  • Within 30 feet of a rural mailbox between 8 A.M. and 6 P.M. on a state highway
  • In a manner that creates danger for other motorists

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Pembroke Pines Car Insurance FAQs

Check out our quick Q&A to answer your burning questions about auto insurance in Pembroke Pines, Florida and the state!

– Pembroke Pines Q & A

  • Are there any languages I should know?
    • According to Data USA, 48.4 percent of residents in Pembroke Pines, Florida speak a non-English language, which is much higher than the national average of 21.5 percent.
    • The most common non-English language spoken is Spanish or Spanish Creole, followed by French Creole and Urdu.
    • As of 2015, there were 58,679 Spanish or Spanish Creole-speaking residents in the city, comprising 38.3 percent of the city’s entire population. There are 3,628 French Creole speakers, comprising 2.37 percent of the population and 1,606 Urdu speakers, making up 1.05 percent of residents.
  • What is the cost of living like in Pembroke Pines?
    • According to Sperling’s Best Places, Pembroke Pines’ cost of living is rated at 130.0, which is above the national median of 100.
    • The median price of a home in Pembroke Pines, Florida is $308,700.
  • What car insurance is required?
    • Florida requires minimum auto coverages of $10,000 Personal Injury Protection and $10,00o property damage liability coverage, as long as you have a valid license plate registered with the state.
  • What do I do if I get into an accident in Pembroke Pines?
    • Florida is one of a few states that adhere to the no-fault insurance system. This means that car accident bills and other damages must first be covered by your PIP, whether you caused the accident or not.
    • Even if you didn’t cause the collision, you must meet certain requirements to step outside the no-fault system and pursue a claim against the at-fault driver.
    • You must contact law enforcement immediately following a collision if injury, death, or property damages exceeding $500 resulted.
  • Can I get insurance if I’ve been refused coverage for being a high-risk driver?
    • If you cannot secure insurance through the voluntary market due to a history of accidents or driving violations, you may be able to seek coverage through FAJUA (the Florida Automobile Joint Underwriting Association).
    • You will not be able to select your own insurer and you must meet certain criterion to qualify.
    • Visit FAJUA’s website for more information.

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