Best Hollywood, Florida Auto Insurance in 2024 (Compare the Top 10 Companies)

The best Hollywood, Florida auto insurance providers are Geico, State Farm, and Progressive, offering competitive rates starting at $105 per month.

Geico stands out for its affordable premiums and extensive discounts, making it the top pick for budget-conscious drivers. For further details, check out our in-depth “What is auto insurance?” article.

State Farm provides personalized service with flexible coverage options, while Progressive delivers innovative tools like Snapshot to help save more. For those in Hollywood, these three companies offer the best balance of price, coverage, and customer satisfaction.

Get the right car insurance at the best price — enter your ZIP code below to shop for coverage from the top insurers.

Our Top 10 Company Picks: Best Hollywood, Florida Auto Insurance

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#1 – Geico: Top Overall Pick

Pros

• Affordable Rates: Geico is a well-known brand for drivers in Hollywood, Florida looking for affordable auto insurance because of its reputation for affordability. It is among the most reasonably priced insurers in the area, with inexpensive premiums that make it especially attractive to drivers who value minimal monthly expenses without sacrificing proper coverage, as highlighted in our Geico auto insurance review .
• User-Friendly Online Tools: For Hollywood, Florida drivers who prefer managing their insurance online, Geico offers an intuitive website and mobile app. These tools allow users to handle virtually every aspect of their policy, from obtaining quotes and adjusting coverage to filing claims and tracking progress. This convenience is especially appreciated by tech-savvy drivers who want to avoid time-consuming in-person visits.
• Extensive Discount Programs: For drivers in Hollywood, Florida, Geico offers a variety of discounts that can drastically reduce the cost of insurance. Savings for cautious drivers, multi-policy bundling, and car safety features are examples of common discounts. To help a varied range of policyholders save even more, Geico also provides specific discounts for government employees, military members, and students with high academic standing.

Cons

• No Gap Insurance: For Hollywood, Florida drivers who lease or finance their vehicles, Geico’s lack of gap insurance can be a significant drawback. Gap insurance covers the difference between the car’s actual value and the amount still owed on a loan after a total loss. Without this option, drivers may be left covering the financial gap themselves.
• Less Comprehensive Rental Car Coverage: Geico’s rental car reimbursement options for drivers in Hollywood, Florida are more limited than some of its competitors. While they do offer coverage, it’s capped at a specific amount per day, which may not be enough to fully cover the cost of a rental vehicle in the event of an accident.

#2 – State Farm: Best for Diverse Coverage Options

Pros

• Diverse Coverage Options: State Farm offers a wide range of coverage options to meet the unique needs of drivers in Hollywood, Florida. In addition to the standard liability, collision, and comprehensive coverage, State Farm also provides add-ons like rental reimbursement, rideshare insurance, and roadside assistance. This flexibility allows drivers to tailor their policies to their specific circumstances.
• Discounts for Young Drivers: For young drivers in Hollywood, Florida, who often face higher insurance premiums, State Farm offers several discounts that can help reduce costs. Good student discounts, for example, reward young drivers with lower rates if they maintain a high grade point average. State Farm’s Steer Clear program offers extra savings for drivers under 25 who complete a safe driving course.
• Savings Through Bundling: State Farm offers significant discounts to Hollywood, Florida drivers who bundle multiple policies, such as auto and homeowners insurance. This bundling option allows policyholders to save on both types of coverage, making State Farm an attractive choice for those looking for comprehensive protection at a reduced overall cost, as highlighted in our State Farm auto insurance review.

Cons

• Higher Premiums for Some Drivers: While State Farm is known for its excellent service, its rates can be higher than those of competitors for certain drivers in Hollywood, Florida. For example, drivers with average or below-average driving records may find State Farm’s premiums to be less competitive compared to budget-friendly insurers like Geico or Progressive.
• Fewer Discount Opportunities: Compared to other insurance providers in Hollywood, Florida, State Farm offers fewer discounts. While the company provides a range of ways to save, drivers who qualify for multiple discounts with other insurers might find that State Farm doesn’t offer as many opportunities to lower their premiums through bundling or affiliations.

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#3 – Progressive: Best for Usage-Based Insurance Program

Pros

• Usage-Based Insurance Program: Drivers in Hollywood, Florida can receive discounts from Progressive through the Snapshot program depending on their driving behaviors. Safe drivers can lower their rates by using a mobile app or gadget to track their driving behavior; this makes it an excellent choice for careful drivers.
• Easy-To-Use Online Tools: The smartphone application and web resources offered by Progressive make managing insurance policy simple. This includes getting estimates, comparing policies, paying bills, and making claims for drivers in Hollywood, Florida—all from the comfort of their computer or smartphone.
• Flexible Payment Options: Drivers in Hollywood, Florida have access to flexible payment plans from Progressive, which include monthly, quarterly, and annual options. Customers now have more power and convenience when it comes to controlling their auto insurance rates because they may select a payment plan that best suits their budgetary requirements.

Cons

• Higher Rates for Drivers With Poor Credit: When calculating rates, Progressive looks at credit information, which means that drivers in Hollywood, Florida with bad credit may have to pay more. Because of this, people who are struggling financially might find it to be a less appealing option.
• No Guaranteed Accident Forgiveness: For drivers in Hollywood, Florida, Progressive does not automatically offer accident forgiveness as part of its normal policy. After an at-fault collision, this could result in increased rates because drivers might not be protected from rate hikes, as noted in our Progressive auto insurance review.

#4 – USAA: Best for Competitive Rates for Military Families

Pros

• Competitive Rates for Military Families: USAA offers attractive rates for military personnel and their families in Hollywood, Florida. The company’s pricing structure is tailored to reward those who serve or have served in the military, making it a cost-effective choice for this group, as highlighted in our USAA auto insurance review.
• Generous Discounts for Military Members: USAA offers various discounts to military personnel in Hollywood, Florida, such as savings for safe driving, multiple vehicle policies, and bundling insurance products. These discounts help lower overall insurance costs for eligible policyholders.
• Military-focused Benefits: USAA provides benefits specifically designed for military members and their families in Hollywood, Florida, including coverage for military vehicles and deployment-related needs. These specialized benefits align with the unique circumstances of military personnel.

Cons

• Higher Premiums for Non-military Members: Non-military drivers in Hollywood, Florida may find that USAA’s rates are less competitive compared to other insurers, especially since the company’s pricing structure is designed with military members in mind.
• Limited Coverage Options for Non-military Needs: USAA’s coverage options are heavily focused on military needs, which may leave non-military drivers in Hollywood, Florida seeking more generalized or specialized coverage options outside of what USAA provides.

#5 – Liberty Mutual: Best for Customizable Coverage Options

Pros

• Customizable Coverage Options: Liberty Mutual provides a wide range of customizable coverage options for drivers in Hollywood, Florida. This flexibility allows policyholders to tailor their insurance policies to meet their specific needs, whether they require additional protection or specialized coverage, as mentioned in our Liberty Mutual auto insurance review.
• User-Friendly Online Tools: Liberty Mutual’s website and mobile app are designed for ease of use, allowing Hollywood, Florida drivers to manage their policies online. Features include obtaining quotes, filing claims, and paying bills, providing a convenient experience for tech-savvy customers.
• 24/7 Claims Support: Liberty Mutual offers round-the-clock claims support, ensuring that Hollywood, Florida drivers can receive assistance whenever needed. This continuous availability is especially valuable in emergencies or when dealing with complex claims.

Cons

• Complexity of Policy Options: Liberty Mutual’s plans are often complicated due to their extensive choice of coverage options. Drivers in Hollywood, Florida may find it difficult to navigate and select the appropriate coverage, needing more time and effort to fully comprehend all of the possibilities.
• No Accident Forgiveness: Liberty Mutual does not offer accident forgiveness as a standard feature in its policies for Hollywood, Florida drivers. This means that drivers could experience higher premiums following an at-fault accident, without the benefit of protection against rate increases.

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#6 – Farmers: Best for Specialized Coverage Options

Pros

• Specialized Coverage Options: Farmers offers additional coverage options, such new car replacement and glass repair without a deductible, which can be quite helpful for residents of Hollywood, Florida who have certain needs.
• Home and Auto Bundle Discounts: Hollywood, Florida drivers can reduce their premium costs by combining their auto and home insurance with Farmers’ attractive bundle discounts.
• Rental and Towing Coverage: The business offers reasonable rental reimbursement and towing coverage options, which is a helpful service for Hollywood, Florida drivers who travel or commute regularly.

Cons

• Rate Increases After Claims: Even in cases when the accident was small, some drivers in Hollywood, Florida have reported seeing an increase in their rates after filing a claim. Policyholders who are concerned that their rates will increase following an incident may find this to be worrying, as noted in our Farmers auto insurance review.
• Not the Best for High-risk Drivers: In Hollywood, Florida, farmers might not be the most reasonably priced choice for high-risk drivers, such as those with bad credit or a history of collisions. If these drivers go with other insurers that specialize in high-risk coverage, they might find more affordable rates.

#7 – Auto-Owners: Best for Discounts for Bundling

Pros

• Discounts for Bundling: Drivers in Hollywood, Florida can save a lot of money by combining several policies with Auto-Owners. In order to save money and provide convenience, the organization offers discounts for bundling auto insurance with life, house, or other insurance products, as highlighted in our Auto-Owners auto insurance review.
• Accident Forgiveness Program: Auto-Owners keeps premiums from going up following the first at-fault collision by providing accident forgiveness to drivers in Hollywood, Florida. After an accident, this feature can assist drivers in keeping their premiums lower.
• Strong Claims Processing: Auto-Owners is well-regarded for its smooth and efficient claims process. Hollywood, Florida drivers can expect timely and fair claim settlements, which is essential in getting their vehicles repaired or replaced quickly after an accident.

Cons

• No Direct-to-Consumer Model: Auto-Owners only sells insurance through local agents, which means Hollywood, Florida drivers cannot purchase policies directly online. This could be inconvenient for those who prefer a more modern, self-service approach to buying insurance.
• Lack of Usage-Based Insurance Options: Unlike some competitors, Auto-Owners does not offer a usage-based insurance program. Hollywood, Florida drivers who prefer tracking their driving habits to earn discounts may need to look elsewhere for such options.

#8 – Nationwide: Best for Vanishing Deductible Program

Pros

• Vanishing Deductible Program: Through safe driving practices, Hollywood, Florida drivers can gradually lower their deductible with Nationwide’s vanishing deductible program. In the event of an accident, this benefit may result in fewer out-of-pocket expenses, according to Nationwide auto insurance review.
• User-Friendly Mobile App and Online Tools: Nationwide makes it simple for drivers in Hollywood, Florida to handle their policies, submit claims, and obtain digital ID cards using its highly regarded mobile app and online resources. The insurance experience is made simpler by the accessibility of these digital resources.
• On Your Side Review: Every year, Nationwide offers drivers in Hollywood, Florida a tailored consultation known as the “On Your Side Review,” which helps them choose what kind of insurance they need and make sure they have the correct coverage. As circumstances change, this proactive service assists policyholders in making adjustments to their policies.

Cons

• Fewer Discounts Than Competitors: Although Nationwide provides a number of discounts, its selection might not be as broad as that of some of its rivals in Hollywood, Florida. If a driver depends too much on discounts to get their premiums down, they might be better off looking elsewhere.
• Usage-based Insurance Could Be Limited: Although Nationwide provides a usage-based insurance program called SmartRide, it might not be as extensive or widely accessible in Hollywood, Florida as the programs offered by other insurers, which might reduce its appeal to drivers who are tech-savvy.

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#9 – Travelers: Best for Comprehensive Coverage Options

Pros

• Comprehensive Coverage Options: For drivers in Hollywood, Florida, Travelers provides a wide selection of coverage options, such as liability, collision, comprehensive, and numerous add-ons like gap insurance, rideshare coverage, and new car replacement. Drivers can tailor their coverage to meet their own needs thanks to this variety.
• Good Selection of Discounts: Drivers in Hollywood, Florida can take advantage of several discounts from Travelers, including savings for careful driving, bundling insurance, paying in full, and having good credit. Many drivers can now afford insurance because of these reductions, which assist to reduce the overall cost of coverage.
• Accident Forgiveness Program: After their first at-fault collision, drivers in Hollywood, Florida can avoid rate hikes thanks to Travelers’ accident forgiveness program. Even after an occurrence, this function can assist in maintaining steady insurance costs.

Cons

• Usage-based insurance savings may vary: The IntelliDrive program may not yield significant savings for all Hollywood, Florida drivers, especially those who don’t drive often or don’t exhibit the safest driving habits. This can make it less attractive compared to other usage-based programs with higher potential discounts.
• Not the best for tech-savvy users: Although Travelers offers a mobile app, some Hollywood, Florida drivers may find it less user-friendly or feature-rich compared to other insurers’ apps, limiting the digital experience, according to Travelers auto insurance review.

#10 – American Family: Best for Comprehensive Coverage Options

Pros

• Comprehensive Coverage Options: For drivers in Hollywood, Florida, American Family provides a variety of coverage choices, such as conventional liability, collision, and comprehensive insurance. Customizing policies is made simple by extra coverages including rideshare, gap insurance, and roadside assistance.
• Accident Forgiveness Program: In order to keep premiums from rising following the first at-fault collision, American Family offers drivers in Hollywood, Florida, an accident forgiveness program. This is a useful tool for drivers who wish to safeguard their insurance following a collision, as noted in our American Family auto insurance review.
• Drivemyway Usage-Based Insurance: DriveMyWay is a usage-based insurance product from American Family that lets drivers in Hollywood, Florida receive savings based on how they drive. Drivers who participate in this program and drive safely may see their premiums reduced.

Cons

• Higher Premiums for Some Drivers: Certain Hollywood, Florida drivers, especially those who are younger or have had incidents in the past, may pay higher premiums from American Family. In comparison to insurers that specialize in providing affordable coverage for certain demographics, this could make it less competitive.
• Digital Tools Could Be Improved: While American Family provides online and mobile resources, some drivers in Hollywood, Florida might find them less comprehensive or easy to use than those offered by competing insurance companies. For tech-savvy individuals who would rather manage their insurance online, this could be a disadvantage.

Monthly Hollywood, FL Car Insurance Rates by ZIP Code

Discover how car insurance rates vary across different ZIP codes in Hollywood, FL. This detailed guide breaks down monthly insurance costs, helping you understand how your location can impact your premiums.

Hollywood, Florida Auto Insurance Monthly Rates by Provider & Coverage Level

Whether you’re exploring new areas or just curious, this information will give you valuable insights into local insurance trends. Get more insights by reading our expert “Auto insurance rates by ZIP code” advice.

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Hollywood, FL auto insurance rates by ZIP Code below:

Understanding the monthly car insurance rates by ZIP code in Hollywood, FL, empowers you to make informed decisions about your coverage. By comparing costs across different areas, you can find the most affordable insurance options tailored to your specific location.

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Hollywood, FL Car Insurance Rates vs. Top US Metro Car Insurance Rates

Explore how car insurance rates in Hollywood, FL, stack up against those in major U.S. metro areas. This comparison highlights the differences in monthly premiums, offering insights into how local factors influence insurance costs.

Whether you’re a Hollywood resident or comparing with other cities, this guide provides a clear picture of your insurance landscape.

Comparing Hollywood, FL car insurance rates with those from top U.S. metros helps you gauge how your local premiums measure up. This insight can assist in evaluating your current coverage or finding better deals, ensuring you get the best value for your insurance. Expand your understanding with our thorough “Comparing Auto Insurance” overview.

Enter your ZIP code now to compare Hollywood, FL auto insurance quotes from multiple companies near you for free.

Discover the Cheapest Car Insurance Providers in Hollywood, FL

When searching for car insurance in Hollywood, FL, finding the most affordable option can significantly impact your budget.

Hollywood, Florida Report Card: Auto Insurance Premiums

By exploring the cheapest car insurance providers in the area, you can ensure that you’re getting the best rates without compromising on essential coverage. Our guide highlights top companies offering competitive prices, helping you make an informed choice.

The top Hollywood, FL auto insurance companies listed from cheapest to most expensive are:

• USAA – $4,089.69
• State Farm – $4,607.99
• Geico – $4,794.18
• Nationwide – $6,103.51
• Progressive – $7,095.13
• Liberty Mutual – $7,125.43
• Allstate – $9,895.39

Your car insurance rates are affected by many different factors, such as your age, gender, credit history, and driving record. For more information, explore our informative “Factors That Affect Auto Insurance Rates” page.

Where you live and the size of your city affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, auto insurance in Fort Lauderdale, FL is more expensive than coverage in Hollywood.

Hollywood, Florida car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

Your coverage level will play a major role in your Hollywood, FL car insurance costs. Find the cheapest Hollywood, Florida car insurance costs by coverage level below:

Your credit score will play a major role in your Hollywood, FL car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Hollywood, Florida car insurance costs by credit score below.

Your driving record will affect your Hollywood, FL car insurance costs. For example, a Hollywood, Florida DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Hollywood, Florida car insurance costs by driving record.

Controlling these risk factors will ensure you have the cheapest Hollywood, Florida car insurance. Factors affecting car insurance rates in Hollywood, FL may include your commute, coverage level, tickets, DUIs, and credit.

Age is a significant factor for Hollywood, FL car insurance rates. Young drivers are often considered high-risk. This Hollywood, Florida does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Hollywood, FL.

Choosing the right car insurance provider is crucial for both savings and protection. By considering the cheapest car insurance options in Hollywood, FL, you can secure a policy that fits your needs and budget. Explore your options today to find the best rates and ensure you’re covered on the road.

Required Auto Insurance Coverage for Drivers in Hollywood, FL

In Hollywood, FL, understanding the required auto insurance coverage is crucial for staying compliant with state laws and ensuring financial protection on the road. Drivers must meet specific minimum coverage levels to legally operate their vehicles and safeguard against potential liabilities.

This guide will break down the essential insurance requirements for Hollywood, FL residents, helping you make informed decisions about your auto insurance policy.

Most states require that drivers carry at least a minimum amount of auto insurance. Florida is no different. The minimum amount of auto insurance required for drivers in Hollywood, Florida is:

• $10,000 in personal injury protection (PIP) coverage
• $10,000 for property damage liability (PDL)

Ensuring that you meet the required auto insurance coverage in Hollywood, FL is vital for legal compliance and personal protection. By understanding and adhering to these coverage requirements, you can drive confidently, knowing you have the necessary safeguards in place.

Hollywood, Florida Auto Accident & Insurance Claim Statistics

For further details or assistance in selecting the right policy, consult with a local insurance expert to ensure your coverage meets all legal and personal needs. Read our extensive guide on “Auto Insurance Coverage” for more knowledge.

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The Elements That Determine Auto Insurance Rates in Hollywood, FL

Traffic congestion and theft rates are crucial factors influencing auto insurance rates in Hollywood, FL. High traffic volumes increase the likelihood of accidents, while theft statistics also play a role in determining premiums.

Despite INRIX not having specific data for Hollywood, nearby Miami ranks as a highly congested city, impacting regional insurance trends. Learn more by visiting our detailed “Where to Compare Auto Insurance Rates” section.

Understanding how traffic density and theft rates affect your insurance premiums can help you make informed decisions. With Hollywood’s significant commute times and notable theft statistics, it’s essential to consider these factors when evaluating your auto insurance options.

Hollywood, FL Auto Insurance: The Bottom Line

When it comes to auto insurance in Hollywood, FL, understanding the key factors that influence rates can make a significant difference in your coverage choices. From local traffic patterns to specific coverage needs, knowing the bottom line helps you navigate the best options available.

In summary, evaluating your auto insurance needs in Hollywood, FL involves considering various elements such as local traffic conditions and personal coverage requirements. Dive deeper into “How to Evaluate Auto Insurance Quotes” with our complete resource.< By focusing on these aspects, you can ensure you make informed decisions and secure the best value for your auto insurance. Enter your ZIP code now to compare Hollywood, FL auto insurance rates from companies near you for free.

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