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Get Cheap Car Insurance in Port St. Lucie, FL
We monitor insurance prices, helping the average driver in Port St. Lucie save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Port St. Lucie
The chart below shows the cheapest car insurance company in Port St. Lucie for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.
| Port St. Lucie Insurer | Monthly Cost |
|---|---|
| Geico | $131 |
| State Farm | $139 |
| Gainsco | $181 |
| Bristol West | $181 |
Savings for Every Kind of Port St. Lucie Driver
Based on our extensive insurance data, we know the average Port St. Lucie driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $801 per year by choosing the right vehicle insurance company. Some Port St. Lucie residents are paying out over $2,738 extra every year for auto insurance in Port St. Lucie. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Port St. Lucie, FL Savings / Yr. |
|---|---|
$801 |
|
$1,176 |
|
$905 |
|
$895 |
|
$2,845 |
|
$777 |
|
$1,133 |
Port St. Lucie Car Insurance vs. Florida
People living in Port St. Lucie pay an average of 3.63% more than the typical driver in the state. The average driver in Port St. Lucie can expect to pay about $2,500 per year, or $2,738 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Port St. Lucie for most people.
Car Insurance Prices by Port St. Lucie Neighborhood
Insurance Prices
Where is insurance cheapest within Port St. Lucie?
The map shows insurance prices in and around Port St. Lucie, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $655 per year within the city boundaries, with insurance premiums ranging from a high of $3,069 to a low of $2,414. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the West parts of Port St. Lucie.Pick the Best Car Insurance Company for You in Port St. Lucie
The best car insurance provider for most drivers in Port St. Lucie
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $801 over the average Port St. Lucie car insurance company.
The best car insurance provider for Port St. Lucie drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,176 over the competition.
The best car insurance company for Port St. Lucie drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $905 better than other car insurance companies.
The best auto insurance for Port St. Lucie drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $895 less each year.
The least expensive car insurance company for new and young drivers in Port St. Lucie
In Port St. Lucie, Geico costs young drivers $2,845 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Port St. Lucie
Geico gave the largest car insurance discounts to married couples, averaging $777 saved each year compared to an average Port St. Lucie couple's premiums.
The cheapest car insurance in Port St. Lucie for drivers with bad credit
The best Port St. Lucie car insurance company for customer service
Allstate was the best company for customer service in Port St. Lucie according to the NAIC.
Recent price drops
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The cheapest large national provider in Port St. Lucie
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Port St. Lucie driver can expect to pay about $156 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Port St. Lucie, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Port St. Lucie
What Influences the Cost of Car Insurance in Port St. Lucie?
On average, car insurance in Port St. Lucie is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Port St. Lucie is 35 minutes, which is about the national average for a driver in the state.
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Port St. Lucie are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Port St. Lucie is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Port St. Lucie is $208 per month for minimum coverage and $228 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Indian River Estates: Insurance costs 5.44% less
- Ankona: Insurance costs 4.53% less
- Jensen Beach: Insurance costs 4.97% less
- Palm City: Insurance costs 6.43% less
- Ocean Breeze Park: Insurance costs 1.02% more
- Hutchinson Island South: Insurance costs 4.13% less
- Stuart: Insurance costs 4.75% less
- Sewalls Point: Insurance costs 3.36% less
- Port Salerno: Insurance costs 2.45% less
- Port Mayaca: Insurance costs 9.53% less
Cities with Similar Populations
- Tempe: Insurance costs 30.53% less
- Town 'n' Country: Insurance costs 12.13% more
- Tulare: Insurance costs 26.26% less
- Tulsa: Insurance costs 34.77% less
- Torrance: Insurance costs 18.81% less
- The Woodlands: Insurance costs 37.18% less
- The Colony: Insurance costs 32.69% less
- Tampa: Insurance costs 3.91% more
- Turlock: Insurance costs 25.31% less
- Tomball: Insurance costs 37.29% less