Car Insurance Quotes — Hollywood, FL
If you live in Hollywood, Florida, or you’re moving there, shopping for car insurance can feel like navigating a maze. The combination of heavy traffic on US‑1, proximity to I‑95, and a bustling urban/suburban mix means insurers look closely at where you park, the vehicle you drive, and your driving record. This article lays out realistic sample quotes, explains what drives cost in Hollywood specifically, and gives practical steps to get the best coverage for your needs without overpaying.
Understanding Florida Coverage Requirements and What They Mean for You
Florida is a no‑fault state for personal injury protection (PIP). Every driver is required to carry at least $10,000 of PIP coverage and a minimum of $10,000 in property damage liability. These are the state minimums, and many drivers quickly find them insufficient when compared to real accident costs in South Florida.
Personal injury protection pays medical bills and some lost wages regardless of who caused the crash, while property damage liability covers damage you cause to someone else’s vehicle or property. Bodily injury liability is not required by the state in all situations, but insurers offer it, and many drivers purchase it to protect assets and cover costs that exceed basic PIP limits.
“Ten thousand dollars may sound like a lot, but a single crash with hospitalization or multiple injured parties can easily exceed that. In practice, many Hollywood drivers opt for higher limits, for example $50,000/$100,000 for bodily injury and $50,000 for property damage, to avoid out‑of‑pocket exposure,” said Dr. James Carter, Professor of Risk Management at the University of Miami.
— Dr. James Carter
What Drivers in Hollywood Actually Pay: Realistic Sample Quotes
Insurance premiums vary widely by age, driving history, vehicle model, and precise location within Hollywood (zip codes like 33020 near downtown differ from 33019 closer to Aventura). Below is a snapshot of typical annual premiums you might see from major companies and local independent agents, using realistic figures for 2025 market conditions. These sample quotes assume drivers with a clean record unless otherwise noted.
| Driver Profile | Coverage Level | GEICO | State Farm | Progressive | Local Independent Agent | Average Annual |
|---|---|---|---|---|---|---|
| 20‑year‑old single male, one ticket | Full coverage (100/300/100, $500 comp/coll deductible) | $6,400 | $6,900 | $6,700 | $7,300 | $6,825 |
| 30‑year‑old married, clean record | Full coverage (100/300/100, $250 deductibles) | $1,980 | $2,150 | $2,100 | $2,400 | $2,157 |
| 45‑year‑old single, clean record | Full coverage (100/300/100, $500 deductibles) | $2,540 | $2,700 | $2,620 | $2,900 | $2,690 |
| 65‑year‑old retired, clean record, bundled homeowner | Full coverage with multi‑policy discount | $1,320 | $1,450 | $1,410 | $1,600 | $1,445 |
These figures reflect a mix of online direct writers and local agents. For drivers carrying minimum coverage only, you can expect substantially lower rates: a clean 30‑year‑old might see minimum coverage starting around $950–$1,300 annually, while a 20‑year‑old with one ticket might still pay $2,500–$3,200 for minimums.
How Insurers Calculate Your Hollywood Quote
Insurance companies use a combination of personal, vehicle, and location factors to price coverage. Personal factors include age, gender, marital status, and driving history. Insurers also look at your credit‑based insurance score in Florida when permitted. Vehicle factors include make, model, year, safety features, and likelihood of theft. Location factors are particularly important in Hollywood: parking on the street versus a garage, proximity to highways, and local claim frequencies all increase or lower rates.
Claim frequency in Broward County is higher than the national average for certain categories like theft and hit‑and‑run. A higher claim frequency translates into higher premiums. Insurers also consider the average cost per claim in the area. For collision claims in South Florida, insurers commonly report average payouts in the $3,000–$4,000 range, while comprehensive claims averaging for glass, theft, or weather damage often sit around $1,200–$1,800 depending on severity.
“Neighborhood matters more than most people expect. The same model car can carry a $500 difference in premium based only on whether it is parked in central Hollywood or a gated community near Hollywood Lakes,” said Maria Lopez, Senior Insurance Analyst at Florida Insurance Review.
— Maria Lopez
Comparison Table: Coverage Levels and Typical Costs in Hollywood
This table breaks down common coverage choices and realistic costs for those options. Use it as a guideline for what to expect when choosing between state minimums, moderate protection, and high‑limit policies.
| Coverage Package | Typical Limits | Typical Annual Cost (Average Driver) | Best For |
|---|---|---|---|
| State Minimums | PIP $10,000 / PDL $10,000 | $950–$1,400 | Drivers with older cars and tight budgets |
| Moderate Protection | 100/300/100, Comp $500, Coll $500 | $1,800–$3,200 | Most families, mid‑value vehicles |
| High Protection | 250/500/250, Low deductibles | $3,800–$6,500 | High net worth drivers, new luxury SUVs |
| Usage‑Based/Telematics Discount | Varies by insurer | Potentially 10%–30% off base | Low‑mileage drivers, safe drivers |
Discounts and How Much You Can Save
Discounts can make a meaningful difference. Common discounts include multi‑policy, multi‑vehicle, safe driver, defensive driving course, good student, anti‑theft devices, and telematics programs. Not every insurer offers every discount, and the size of the discount varies. The real savings depend on the insurer’s stackable discount policy and your eligibility.
“The largest single discount I see for Hollywood customers is almost always the multi‑policy or bundling discount. When a homeowner bundles with auto, many insurers will take 10%–25% off the auto premium. For retirees with good records, the cumulative savings from discounts can cut premiums by a third,” explained Aisha Thompson, Licensed Independent Agent based in Broward County.
— Aisha Thompson
Table: Common Discounts and Typical Savings
Below is an illustrative breakdown of typical discounts and approximate savings ranges you might expect. These are not guaranteed; they are averages based on market practice in 2024–2025.
| Discount | What It Requires | Typical Savings |
|---|---|---|
| Multi‑policy (Bundling) | Combine auto with homeowner or renters | 10%–25% |
| Multi‑vehicle | Insure two or more vehicles with same company | 5%–15% |
| Good driver / Safe driver | No accidents/tickets for 3–5 years | 10%–30% |
| Good student | Full‑time student with B average | 10%–20% |
| Telematics / Usage‑Based | Install monitoring app or device and drive safely | 5%–30% |
| Anti‑theft Device | Vehicle equipped with alarm or tracking | 5%–10% |
How Accidents, Tickets, and DUIs Affect Your Premiums
A single at‑fault accident typically increases your premium by 20%–50% depending on severity, payouts, and your prior record. In dollar terms, a clean 30‑year‑old paying $2,100 annually for full coverage could see an increase of $420–$1,050 after a single at‑fault accident. Tickets can be even more damaging, especially recent moving violations or reckless driving citations. A DUI or serious suspended license offense often results in major surcharges, policy nonrenewal, or the need for an SR‑22 filing. The cost of SR‑22 insurance in Florida varies, but drivers can expect rates that are two to five times the prior premium depending on history.
“We tell clients to assume a DUI will raise premiums dramatically and to budget for the long term. Some drivers pay $1,500–$4,500 extra per year for three to five years after a DUI, depending on prior premiums and the insurer’s underwriting rules,” said Daniel Reed, Consumer Advocate at AutoRights FL.
— Daniel Reed
Why You Might Be Paying More in Hollywood Than Elsewhere in Florida
Hollywood’s geography, commuter patterns, and claim history all contribute to higher rates versus more rural parts of Florida. Two major reasons are theft and hit‑and‑run frequency, which remain elevated in Broward County compared to many inland counties. Additionally, because Hollywood sits between Miami‑Dade and Palm Beach commuting corridors, heavy congestion increases accident exposure. Flooding and coastal weather considerations also push up comprehensive rates in certain neighborhoods.
Insurers typically map your address down to the zip code or sub‑zip level. Moving a few blocks can sometimes move you into a zone with measurably different rates, especially if you move from a high‑theft corridor to a quieter residential street with locked garages.
How to Get Multiple Quotes — A Practical Guide
Getting accurate multiple quotes takes preparation. Start by gathering your driver’s license numbers, VIN for each vehicle, current mileage, and details about existing coverage. Take note of past claims and tickets: dates and descriptions help underwriters match your profile accurately. Decide on target limits and deductibles so each quote is comparable. Using an apples‑to‑apples approach is crucial; many shoppers inadvertently compare a low‑limit quote from one company to a high‑limit package from another and make the wrong choice based on price alone.
Begin by getting online quotes from large carriers to establish a baseline. Then contact at least one independent local agent who can search multiple companies, including regional insurers not always listed on national aggregator sites. Finally, call two insurers directly to verify discounts and any optional endorsements you might want, such as uninsured motorist coverage, rental car reimbursement, or roadside assistance.
Real‑World Scenarios: How Quotes Change with Circumstances
Scenario one: A 30‑year‑old married teacher with a 2018 Toyota Camry, 12,000 annual miles, clean driving record, and homeowner’s policy in Hollywood might pay around $1,900–$2,300 annually for full coverage with 100/300/100 limits and $250 deductibles. Adding umbrella liability insurance with $1 million in extra protection typically costs an additional $180–$350 per year, a low premium for significant extra protection.
Scenario two: A 22‑year‑old college student living with parents, driving a 2016 Honda Civic and listed as an occasional driver on the parents’ policy, will often be less expensive than buying their own policy. On their own, the student’s standalone full coverage could exceed $4,000 annually. As a listed driver on parents’ policy with a good student or driver education discount, they might only add $800–$1,400 to the combined family premium.
Scenario three: A small business owner using a pickup for both personal and some business use needs to disclose business use. Many personal policies exclude business usage beyond commuting. Insisting on the wrong policy can trigger claim denials. Commercial or hybrid personal‑commercial endorsements typically add $400–$1,200 annually depending on exposure.
What to Ask When Comparing Quotes
When you receive quotes, ask the insurer or agent to explain which discounts are included, what happens to the premium after a claim, and what the cancellation and nonrenewal policies are. Request the cost for higher limits and lower deductibles as separate line items so you can see the incremental cost per $100,000 of extra liability. Ask how medical payments and PIP are paid today in Florida and whether optional MedPay or increased PIP limits make sense given your health insurance. Finally, confirm whether the insurer offers accident forgiveness or diminished value coverage, which can matter in Florida’s high‑traffic climate.
Tips for Lowering Your Hollywood Car Insurance Quote
There are straightforward steps almost every driver can take to reduce premiums. Increasing your deductible reduces your premium but raises out‑of‑pocket exposure in a claim. Installing an approved anti‑theft device or using a secure garage can lower comprehensive costs. Maintaining a clean driving record over three to five years is one of the most effective long‑term strategies to lower rates. Additionally, using usage‑based telematics and safely demonstrating low mileage can generate significant discounts with many carriers. Bundling with homeowners or renters insurance almost always helps, and staying with the same insurer without filing small claims can help preserve renewal discounts.
“We recommend a stepwise approach: preserve a clean record, combine policies when feasible, and consider telematics for new drivers. Those three levers often produce the quickest, most reliable savings in Hollywood,” advised Aisha Thompson.
— Aisha Thompson
How Natural Events and Seasons Affect Pricing
South Florida faces seasonal weather risks such as tropical storms and heavy rain. While comprehensive coverage protects against flood and wind damage to vehicles, flood in the context of a hurricane is often handled through homeowners or separate flood insurance. Comprehensive and windstorm exposure can increase premiums in coastal zones. Many insurers apply surcharges after a storm season with elevated claims, so premiums can fluctuate year to year. It’s wise to review your coverage limits before hurricane season to ensure adequate protection and understand your deductible structure for wind or hurricane claims.
Local Market Snapshot: Hollywood, Broward County, and the Regional Context
Hollywood sits in Broward County, which shares many insurance dynamics with neighboring Miami‑Dade. Broward’s population density, commuter flow to Miami and Fort Lauderdale, and tourist activity all affect exposure. Uninsured motorist rates in Florida remain among the highest in the nation. Recent estimates place the statewide uninsured motorist rate around 18%–22%, while urban areas like Broward tend to be on the higher end of that range. This makes uninsured motorist coverage especially important in Hollywood because the odds of being struck by an uninsured or underinsured driver are nontrivial.
“Given the uninsured driver probability, I counsel clients to carry at least $100,000 of uninsured/underinsured motorist coverage if they can afford it. The likelihood of a hit‑and‑run in Hollywood is above the national average, and this coverage protects your medical bills and lost wages,” said Dr. James Carter.
— Dr. James Carter
How Local Agents Can Add Value Beyond Price
Independent local agents in Hollywood often represent multiple companies and can find options not listed on major aggregator sites. They help tailor coverages, explain nuances like how PIP interacts with health insurance, and assist with claims advocacy. In the aftermath of an accident, having a local agent who knows regional adjusters and repair shops can streamline the process and reduce headaches. Although direct writers sometimes offer lower initial quotes, the ongoing service, endorsements, and claims help an agent provides can be worth the cost, especially for more complex needs.
Red Flags to Watch for When Choosing an Insurer
Beware of extremely low introductory quotes that drop a few months after policy inception or offer unrealistic discount combinations. Check complaint ratios through the Florida Office of Insurance Regulation and read recent customer reviews for claim handling experiences. Also verify whether flat‑rate monthly payments include installment fees. Some companies advertise low monthly payments but add administrative fees that increase the total annual cost. Confirm the insurer’s claims response time and average repair timelines in the local area.
Frequently Asked Questions About Insurance in Hollywood
Many drivers have similar concerns when shopping for quotes. One frequent question is whether to carry higher comprehensive limits for a leased or financed vehicle. Lenders require collision and comprehensive with full replacement cost coverage, and gap insurance is advisable if you owe more than the vehicle’s value. Gap coverage typically adds $60–$200 annually, depending on value and insurer.
Another common question is whether moving to a safer zip code will dramatically cut premiums. The answer is yes, but the magnitude varies. Moving from a high‑theft, high‑accident corridor to a quieter residential neighborhood might reduce premium by 8%–20% depending on the prior exposure. Sometimes simple changes like adding a garage or off‑street parking show insurers that risk is reduced and can be enough to secure lower rates.
What to Do After an Accident in Hollywood
After ensuring safety and calling emergency services if needed, exchange information, document the scene with photos, and file a police report if required. Notify your insurer promptly. Keep careful records of repairs, medical treatment, and lost wages. If the at‑fault driver is uninsured or flees the scene, notify law enforcement and your insurance company immediately to start an uninsured motorist claim if you have that coverage. Using a local agent can help expedite communication with adjusters and repair facilities.
Preparing for Your Quote Appointment
Before requesting quotes, gather necessary documents: driver’s license, VINs, current insurance declarations page, vehicle title or lease information, and a list of drivers in your household. Be prepared to describe typical annual mileage and primary use. Knowing your desired deductibles and liability limits ahead of time ensures you get comparable quotations and prevents surprises when comparing apples to apples.
Case Study: How a Hollywood Family Saved $1,100 Annually
A real family in Hollywood saved $1,100 per year by implementing several sensible changes. They were a married couple in their late 30s with two teenagers and two vehicles. They consolidated their auto and homeowners policies with the same insurer, increased collision deductibles from $250 to $500 on both vehicles, enrolled their youngest driver in a telematics safe‑driving program, and installed a high‑quality tracking system in one vehicle with a theft‑deterrent discount. Their annual premium moved from $3,970 to $2,870 within one renewal cycle.
The family reported that the largest immediate savings came from the multi‑policy bundling and the telematics program. The agent also shopped other carrier options at renewal and leveraged competing offers to secure the best rate. This case highlights how a combined strategy often delivers better outcomes than any single change.
When to Consider an Umbrella Policy
If you own property, have significant savings, or face regular interactions with others where liability exposure could be high, an umbrella policy is often a wise purchase. Umbrella insurance extends liability beyond the limits of your auto and homeowners policies and is relatively inexpensive for the amount of protection it provides. For example, adding a $1 million umbrella in Hollywood commonly costs $180–$350 annually, whereas a $2 million umbrella might be $250–$500, depending on the insurer and your risk profile. This can be a cost‑effective way to protect assets in severe accident scenarios where judgment amounts exceed basic liability limits.
Final Thoughts and Next Steps
Shopping for car insurance in Hollywood, FL can be straightforward if you approach it armed with the right information, comparable quotes, and knowledge of local risk factors. Start by identifying your desired coverages and deductibles, gather your documents, and request multiple quotes from direct writers and independent local agents. Factor in discounts and the value of local claims service, not just the sticker price. Consider uninsured motorist coverage and umbrella protection given Florida’s higher uninsured driver incidence and the dense, busy roads around Hollywood.
“Focus on total value: premium, service, and coverage fit. A slightly higher premium can be the smart choice if it buys superior claims service and better protection for your family,” recommended Daniel Reed.
— Daniel Reed
When you’re ready, collect three to five quotes and review their coverage pages carefully. If you have questions about how PIP interacts with your health insurance or how a particular endorsement works in Florida, reach out to a licensed local agent for clarification. With a little preparation and comparison, you can secure a policy that balances cost and peace of mind in Hollywood, FL.
Resources and Contact Suggestions
For official regulation and complaint data, consult the Florida Office of Insurance Regulation and the Florida Department of Highway Safety and Motor Vehicles for PIP rules and SR‑22 requirements. Local independent agents and consumer advocates can also provide tailored, up‑to‑date advice in Hollywood neighborhoods. Keep records of all quotes and policy numbers, and set a calendar reminder to shop at renewal time; small differences in pricing and discounts can add up year over year.
We hope this guide helps you feel confident when requesting car insurance quotes in Hollywood, Florida. Drive safely, keep your records clean, and make sure your coverage level matches your risk and assets. If you’d like to use the tables above as a checklist when comparing quotes, print or save them and bring the numbers to your agent or online quoting session.
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