Compare Port St. Lucie, FL Car Insurance Rates (2021)

The cheapest car insurance in Port St. Lucie, Florida is USAA, however, auto insurance rates will vary for each person. Port St. Lucie, FL car insurance must meet the state minimum requirements with coverage levels of $10K for PIP and $10K for PDL. Compare Port St. Lucie, FL car insurance rates online to get the best price for you.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 19, 2021

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Here's what you need to know...

  • On average, Port St. Lucie, FL car insurance costs $4,534/yr or $378/mo
  • The cheapest car insurance company in Port St. Lucie, Florida is USAA
  • Port St. Lucie’s vehicle thefts are much lower than in other popular Florida cities

Port St. Lucie, FL car insurance is $378 per month on average. That’s below the Florida car insurance average of $390 per month, but still high.

Why is car insurance in Port St. Lucie, FL so expensive?

Car insurance rates are determined by various factors, including the company you choose, your driving history, and much more. Don’t worry – we’re here to help you find affordable car insurance.

Our guide explains how you can find cheap car insurance in Port St. Lucie, Florida.

Ready to find affordable Port St. Lucie, FL car insurance rates? Enter your ZIP code above to get started.

Monthly Port St. Lucie, FL Car Insurance Rates by ZIP Code

Find more info about the monthly Port St. Lucie, FL auto insurance rates by ZIP Code below:

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Port St. Lucie, FL Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Port St. Lucie, FL against other top US metro areas’ auto insurance rates.

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What is the cheapest car insurance company in Port St. Lucie, FL?

The cheapest car insurance company in Port St. Lucie, FL is USAA. However, USAA is only available to military veterans and their immediate families. The next most affordable companies are State Farm and Nationwide.

The cheapest Port St. Lucie, FL car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Florida car insurance company rates?” We cover that as well.

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Here are the best auto insurance companies in Port St. Lucie, Florida ranked from cheapest to most expensive:

  • USAA – $2,700
  • State Farm – $3,131
  • Nationwide – $4,050
  • GEICO – $4,166
  • Liberty Mutual – $5,231
  • Progressive – $5,346
  • Allstate – $7,113

USAA, State Farm, Nationwide, and GEICO are the only Port St. Lucie car insurance companies with cheaper than average auto insurance rates. Your actual car insurance rates will depend on personal factors.

The most critical factor is your driving history. Some car insurance companies provide 15 to 40 percent off annual rates if you have a clean driving record. You can even save money if your credit score is good.

Another crucial factor that determines auto insurance is location. Car insurance providers partially base your rates on your ZIP code.

So what’s the cheapest neighborhood in Port St. Lucie? The most affordable ZIP code in Port St. Lucie, FL is 34953, and its average car insurance cost is $294 per month.

Port St. Lucie male drivers under 25 have the most expensive car insurance rates. Meanwhile, married drivers who are 25 and older pay significantly less for car insurance.

Port St. Lucie, Florida car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Port St. Lucie, FL car insurance rates. Find the cheapest Port St. Lucie, Florida car insurance rates by coverage level below:

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

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Your driving record will affect your Port St. Lucie car insurance rates. For example, a Port St. Lucie, Florida DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Port St. Lucie, Florida car insurance rates by driving record.

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

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These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Port St. Lucie. FL does use gender, so check out the average monthly car insurance rates by age and gender in Port St. Lucie, FL.

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What are the minimum car insurance coverage requirements in Port St. Lucie, FL?

All Florida drivers must carry the minimum auto insurance requirements, which are:

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

It’s recommended that you get a higher coverage limit. Florida’s coverage car insurance requirements are lower than average. Therefore, it would be best to buy a higher coverage limit, such as 50/100/50.

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What affects car insurance rates in Port St. Lucie, FL?

Your daily commute to work and your city’s vehicle theft rate can determine your car insurance cost. Your chances of getting into an accident increase the more you drive. Vehicle thefts, on the other hand, determine your chances of filing a comprehensive insurance claim.

According to the FBI statistics, the city of Port St. Lucie had 81 car thefts. That’s not much compared to cities like Miami and Orlando. That means comprehensive coverage rates could be lower than average in the city.

The Port St. Lucie commute is about four minutes slower than the national average. According to City-Data, it takes 29 minutes for the average driver to get work in Port St. Lucie, Florida.

The higher than average commute time of your area could increase your car insurance rates.

Port St. Lucie, FL Car Insurance: The Bottom Line

You can find cheap car insurance in Port St. Lucie, Florida by maintaining a clean driving record. If you have a good credit score, you will also find lower rates.

Also, your vehicle’s safety and anti-theft features can save you money on car insurance.

Before you buy car insurance in Port St. Lucie, Florida be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Port St. Lucie, FL car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Port St. Lucie, FL Car Insurance Rates by ZIP Code
Port St. Lucie, FL Car Insurance Rates vs. Top US Metro Car Insurance Rates
Port St. Lucie, FL Car Insurance Rates by Company vs. City Average
Port St. Lucie, FL Car Insurance Rates by Company and Age
The Cheapest Port St. Lucie, FL Car Insurance Rates by Coverage Level
The Cheapest Port St. Lucie, FL Car Insurance Rates by Credit Score
The Cheapest Port St. Lucie, FL Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Port St. Lucie, FL
Average Monthly Car Insurance Rates by Age & Gender in Port St. Lucie, FL
Monthly Port St. Lucie, FL Car Insurance Rates by ZIP Code
Port St. Lucie, FL Car Insurance Rates vs. Top US Metro Car Insurance Rates
Port St. Lucie, FL Car Insurance Rates by Company vs. City Average
Port St. Lucie, FL Car Insurance Rates by Company and Age
The Cheapest Port St. Lucie, FL Car Insurance Rates by Coverage Level
The Cheapest Port St. Lucie, FL Car Insurance Rates by Credit Score
The Cheapest Port St. Lucie, FL Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Port St. Lucie, FL
Average Monthly Car Insurance Rates by Age & Gender in Port St. Lucie, FL