📍Pembroke Pines, FL

Find Insurance Agents in Pembroke Pines, FL

Pembroke Pines has 47 insurance agents averaging 4.7 stars across 9,113 reviews. The most popular services are auto (32 agents), home (32 agents), life (32 agents).

47
Licensed Agents
4.7/5
Avg. Rating
12 yrs
Avg. Experience
7
Service Types

Insurance in Pembroke Pines, Florida

Key insurance factors and local considerations for Pembroke Pines residents.

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Auto Insurance in Pembroke Pines

Florida drivers pay an average of $3,950/yr for auto insurance — 74% above the national average of $2,264. With high uninsured motorist rate and elderly driver population, comprehensive coverage is especially important. Florida is an no-fault state with minimum liability of 10/20/10.

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Home Insurance in Pembroke Pines

Homeowners in Florida pay $7,922/yr on average — 207% above the national average.

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Life Insurance in Pembroke Pines

With Florida's cost of living, Pembroke Pines residents have diverse life insurance needs. Approximately 48% of Florida households carry life insurance.

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Renters Insurance in Pembroke Pines

Many Pembroke Pines residents rent. Renters insurance averages $214/yr in Florida, protecting personal property and beyond.

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Final Expense Insurance in Pembroke Pines

With a growing senior community and regional funeral costs averaging $8,200, final expense insurance helps Pembroke Pines families avoid financial burden. No-exam whole life policies are widely available through local agents.

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Pet Insurance in Pembroke Pines

Many Pembroke Pines households own pets. With average vet visit costs of $65 in Florida, pet insurance can offset unexpected expenses. Accident-only and comprehensive plans are available through local agents.

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Health Insurance in Pembroke Pines

Florida has a 12.7% uninsured rate. Residents can find plans through the federal marketplace at healthcare.gov. Open enrollment runs November through January.

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📊Local Data

Pembroke Pines, FL Insurance by the Numbers

Key insurance, driving, and demographic statistics for Pembroke Pines and Florida to help you make informed coverage decisions.

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17,018,351
Licensed Drivers in FL
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Auto Insurance

$3,950/yr
Avg. auto premium in FL
20.4%
Uninsured motorist rate
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Home Insurance

$7,922/yr
Avg. homeowners premium in FL
$660/mo
Monthly cost estimate
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Renters Insurance

$214/yr
Avg. renters premium in FL
$18/mo
Monthly cost estimate
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Motorcycle Insurance

$920/yr
Avg. motorcycle premium in FL
Under 21
Helmet law requirement
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Health Insurance

12.7%
Uninsured rate in FL
Federal (HC.gov)
ACA Marketplace type
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Life Insurance

48%
Life insurance ownership rate
Above Avg.
Life expectancy rank
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Business Insurance

3,000,000
Small businesses in FL
Required
Workers' comp status
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Final Expense

21.3%
Population age 65+
$8,200
Avg. funeral cost
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Pet Insurance

65%
Pet ownership rate
$65
Avg. vet visit cost

Sources: NHTSA, FHWA, IRC, NAIC, Bankrate, MoneyGeek, US Census Bureau. State-level averages; individual rates vary.

Insurance FAQ — Pembroke Pines, FL

What types of insurance can I find in Pembroke Pines, FL?
Insurance agents in Pembroke Pines offer auto insurance, home insurance, life insurance, renters insurance, pet insurance, final expense insurance, and health insurance. With 47 agents serving the area, you can compare coverage options and find the policy that best fits your needs and budget.
How do I choose an insurance agent in Pembroke Pines?
Pembroke Pines has 47 licensed insurance agents with an average rating of 4.7 out of 5. Look for agents with strong customer reviews, experience in the coverage you need, and willingness to explain your options. Comparing quotes from multiple agents is the best way to ensure competitive pricing.
Why are so many drivers uninsured in Florida?
Florida has an uninsured motorist rate of 20.4%, which is above the national average. High premiums, economic hardship, and limited enforcement all contribute to more drivers going without coverage. If you live in Pembroke Pines, carrying uninsured/underinsured motorist (UM/UIM) coverage is strongly recommended to protect yourself financially.
Why is car insurance expensive in Pembroke Pines?
Car insurance in Florida averages $3,950 per year, about 74% above the national average of $2,264. Factors like population density, accident rates, and claims costs in Pembroke Pines can push premiums even higher. Comparing quotes from local agents and maintaining a clean driving record are the most effective ways to lower your rate.
How much does car insurance cost in Pembroke Pines, FL?
The average car insurance premium in Florida is $3,950 per year, which is above the national average of $2,264. Your actual rate in Pembroke Pines depends on your driving history, vehicle type, coverage levels, and credit score. Getting quotes from multiple Pembroke Pines agents is the best way to find your lowest rate.
Do I need flood insurance in Pembroke Pines?
Pembroke Pines faces weather risks that include hurricanes, tropical storms, flooding, making flood insurance an important consideration. Standard homeowners policies do not cover flood damage, so a separate flood policy through the NFIP or a private insurer is necessary if your property is in or near a flood-prone area. A local Pembroke Pines agent can help you assess your specific risk.
Why is home insurance expensive in Florida?
Home insurance in Florida averages $7,922 per year, about 207% above the national average of $2,580. Natural disaster risk, high rebuilding costs, and increased claims frequency all contribute to elevated premiums. Bundling policies and improving your home's resilience can help Pembroke Pines homeowners reduce costs.
How much does renters insurance cost in Pembroke Pines?
Renters insurance in Florida averages about $214 per year, or roughly $18 per month. That's above the national average of $189 per year. Your actual cost in Pembroke Pines depends on your coverage limits, deductible, and any bundled discounts with other policies.
Why are so many people uninsured in Pembroke Pines?
In Pembroke Pines, the state's overall uninsured rate is 20.4%, which exceeds national averages. Contributing factors include the cost of premiums, limited employer-sponsored options, and gaps in Medicaid eligibility. A licensed health insurance agent in Pembroke Pines can help you explore marketplace plans, short-term coverage, or Medicaid options to find affordable protection.

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