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Hollywood drivers pay an average rate of $179 per month for state-minimum coverage and $255 per month for full-coverage car insurance. That’s slightly lower than larger cities like Miami but more expensive than its neighboring city, Coral Springs.
Hollywood is located in South Florida between Miami and Fort Lauderdale, so it’s one of the most densely populated corridors in the country.[1] For example, Miami’s population is more than three times the size of Hollywood’s.[2] Rates in Hollywood may be higher because of heavy traffic and congestion in the area.
Hollywood drivers looking for the cheapest coverage will find the best rates with State Farm. It offers the cheapest liability car insurance in the city, with an average monthly rate of $92. Hollywood’s average liability rates are higher than the Florida state average, possibly due to its coastal location and risk of flooding.
Florida’s car insurance requirements are some of the lowest in the country. Drivers must have at least $10,000 in personal injury protection (PIP) coverage and $10,000 in property damage liability coverage.[3]
The following table shows the cheapest rates for liability-only car insurance in Hollywood.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $92 |
| Progressive | $93 |
| Clearcover | $98 |
| Mile Auto | $99 |
| GEICO | $105 |
| Embark | $120 |
| Dairyland | $124 |
| Direct Auto | $138 |
| GAINSCO | $138 |
| Mercury | $140 |
| The General | $147 |
| Bristol West | $156 |
| Allstate | $161 |
| AssuranceAmerica | $161 |
| National General | $167 |
| Insurify Car | $179 |
| Root | $183 |
| Travelers | $190 |
| Hugo | $233 |
| Mendota | $258 |
| First Acceptance | $264 |
| Liberty Mutual | $265 |
Get a minimum coverage quote in 2 minutes, buy a policy in 4
If you’re looking for cheap full-coverage car insurance in Hollywood, State Farm has the lowest average monthly rate, at $149.
Hollywood is at risk of flooding due to its low elevation. Flooding can destroy a car’s electrical and mechanical systems and cause rust and corrosion.[4] Hollywood drivers may want to consider a full-coverage policy (which includes comprehensive coverage) to protect against water damage. The following table shows the cheapest rates for full-coverage car insurance in Hollywood.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $149 |
| Progressive | $166 |
| Mile Auto | $187 |
| Mercury | $209 |
| GEICO | $217 |
| National General | $219 |
| Direct Auto | $233 |
| Clearcover | $244 |
| Bristol West | $245 |
| Allstate | $259 |
| The General | $281 |
| AssuranceAmerica | $294 |
| Embark | $298 |
| Travelers | $308 |
| GAINSCO | $330 |
| Root | $330 |
| Liberty Mutual | $345 |
| Dairyland | $369 |
| First Acceptance | $385 |
| Mendota | $407 |
In Florida, Miami Gardens is the most expensive city for car insurance, while Venice is the cheapest. Hollywood sits at the upper end of this spectrum, with rates above the statewide average of $188 per month.
Hollywood’s higher premiums are largely due to its location and dense traffic along corridors like I-95 and U.S. Route 1. In 2025, Broward County reported 37,117 total crashes, and 211 of those were fatal. Take a look at the table below to see how Hollywood’s average rates compare to other Florida cities.
City | Average Monthly Quote |
|---|---|
| Apopka | $187 |
| Cape Coral | $168 |
| Clearwater | $174 |
| Davenport | $187 |
| Daytona Beach | $175 |
| Fort Lauderdale | $217 |
| Fort Myers | $178 |
| Gainesville | $156 |
| Hollywood | $217 |
| Jacksonville | $186 |
| Jupiter | $163 |
| Lakeland | $175 |
| Melbourne | $160 |
| Miami | $238 |
| Miami-Gardens | $265 |
| Naples | $161 |
| Ocala | $169 |
| Orlando | $207 |
| Palm Bay | $169 |
| Panama City | $146 |
| Pensacola | $159 |
| Pompano Beach | $221 |
| Riverview | $217 |
| Saint Petersburg | $184 |
| Sarasota | $157 |
| Spring Hill | $197 |
| Tallahassee | $166 |
| Tampa | $239 |
| Venice | $132 |
| West Palm Beach | $223 |
| Winter Haven | $180 |
Hollywood’s high car insurance rates are likely due to elevated vehicle theft rates in Broward County, which reported 2,195 auto thefts during the first quarter of 2025, according to Insurify data. While its theft rate declined 26% from the previous year, the county still ranked 37th among U.S. counties for vehicle theft volume in early 2025.
Hollywood’s coastal location also makes it vulnerable to hurricanes and flooding, which can lead to more claims. And heavy congestion along major routes like I-95 and the Florida Turnpike increases the likelihood of accidents.
*Quotes generated for Insurify users in and around Hollywood, Florida within the last 10 days. Last updated on July 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Hollywood, Florida within the last 10 days. Last updated on July 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers with a clean record will qualify for the lowest rates, but you still have ways to save even if you have a history of driving-related incidents. Here are the cheapest insurers in Hollywood for different kinds of driving records:
Cheapest car insurance for Hollywood drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Hollywood: State Farm
Cheapest car insurance for Hollywood drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Hollywood: State Farm
In Hollywood, about 2.5% of drivers have a speeding ticket, according to Insurify data. Around 4.1% have an at-fault accident, and another 0.5% have a driving under the influence (DUI) conviction. The city’s ticket and DUI rates are on the low end compared to most Florida cities, including Miami and Fort Lauderdale, while its accident rates fall closer to the middle of the pack.
Here are average monthly quotes in Hollywood for drivers with different driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $217 |
| Speeding ticket | $253 |
| At-fault accident | $276 |
| DUI | $283 |
Here are some factors that can affect driving and your auto insurance coverage in Hollywood:
Flood risk: Flooded streets are a serious hazard during summer storms and hurricane season. For example, areas surrounding Taft Street fall within a FEMA flood zone and may face elevated risk during heavy rainfall and storms.[5]
Tourism: Hollywood’s coastal location and beaches make it a popular tourist destination, with millions of visitors coming to see the Hollywood Beach Boardwalk.[6] Tourism can lead to traffic gridlocks and difficulty parking. You can find plenty of affordable parking near the beaches and downtown, but it can quickly fill up on the weekends.
Uninsured motorists: In Broward County, around 5.7% of drivers don’t have car insurance — slightly higher than the Florida average of 5.58%, according to the Florida Department of Highway Safety and Motor Vehicles. So drivers may want to consider uninsured motorist coverage for added protection.
Hollywood traffic can quickly build up along I-95, U.S. Route 1, and Sheridan Street, especially during rush hour. The average one-way commute is 29 minutes due to the city’s congestion levels — about the same as the statewide average of 28 minutes. Seasonal tourism can bring even more traffic along Hollywood Boulevard, increasing the likelihood of accidents.
Car insurance for teen drivers in Hollywood averages $301 per month, with State Farm offering the cheapest coverage.
In Florida, teens must hold a learner’s permit for one year and complete 50 hours of supervised driving before receiving their license. Teens can get their license at age 16. The following table shows the cheapest rates for teenage drivers in Hollywood.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Clearcover | $154 |
| Progressive | $156 |
| State Farm | $171 |
| GEICO | $182 |
| Mile Auto | $196 |
| Embark | $202 |
| Dairyland | $207 |
| GAINSCO | $233 |
| Mercury | $246 |
| The General | $255 |
| Direct Auto | $259 |
| Root | $263 |
| Bristol West | $265 |
| Insurify Car | $301 |
| Allstate | $305 |
| National General | $320 |
| AssuranceAmerica | $322 |
| Travelers | $379 |
| Hugo | $392 |
| Mendota | $434 |
| First Acceptance | $444 |
| Liberty Mutual | $445 |
See quotes from top insurers in minutes
Senior drivers get some of the best car insurance rates because they have more experience behind the wheel. Roughly 19% of Hollywood residents are 65 or older. These drivers can find the cheapest coverage with State Farm, at an average of $74 per month.
If you’re 55 or older, you can qualify for a discount if you complete an approved defensive driving course. The following table shows the cheapest rates for senior drivers in Hollywood.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $74 |
| Mile Auto | $79 |
| Progressive | $84 |
| GEICO | $85 |
| Clearcover | $88 |
| Dairyland | $107 |
| Embark | $108 |
| Mercury | $113 |
| Direct Auto | $116 |
| GAINSCO | $121 |
| The General | $128 |
| AssuranceAmerica | $129 |
| Bristol West | $133 |
| Allstate | $134 |
| National General | $134 |
| Travelers | $155 |
| Insurify Car | $161 |
| Root | $172 |
| Hugo | $210 |
| Liberty Mutual | $225 |
| Mendota | $232 |
| First Acceptance | $238 |
If you’re shopping for the cheapest car insurance in Hollywood, the following information can help you understand the costs, coverage, and how to find the most affordable policy.
Drivers pay an average monthly rate of $217 for car insurance in Hollywood. But your exact rates can vary depending on your insurance coverage, driving history, and deductible.
Car insurance in Florida averages $188 per month, according to Insurify data. Florida follows no-fault insurance laws and has a high rate of uninsured drivers (20.6% in 2023 compared to 15.4% nationally), which affects average insurance costs.[7]
In Hollywood, your car insurance premium depends on several factors, including the area’s local traffic congestion, theft rates, hurricane and flood risk, and population density. Insurers also factor in your age, credit history, and driving history. The company and coverage choices also play a major role.
State Farm is the cheapest company for car insurance in Hollywood, with an average monthly rate of $92. But it’s still important to shop around and compare multiple car insurance quotes to find the best company for your needs and budget.
Progressive offers cheaper liability insurance and full coverage than GEICO in Florida. Still, the most affordable car company depends on your coverage needs, driving history, and location. That’s why it’s important to compare free quotes and take advantage of discounts, like bundling your auto and homeowners insurance, or renters insurance.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
