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.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Mar 4, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

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.

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.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

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.

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.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State