Port St. Lucie, FL, Car Insurance

Travelers provides the lowest rates for most driver types in Port St. Lucie. Young drivers pay $1,298 annually with Metropolitan Group, while adult drivers with clean records pay just $613 per year through Travelers.

Senior drivers get their best rate from Travelers at $820 per year. Drivers with a speeding ticket pay $659 annually with Metropolitan Group, while those with an at-fault accident see rates of $818 per year.

Port St. Lucie's position on Florida's Treasure Coast offers insurance advantages over Southeast Florida's major metros. Lower population density, less congested roads and fewer vehicle thefts help keep rates more affordable despite Florida's challenging insurance environment overall.

Travelers outperforms competitors in Port St. Lucie with minimum coverage at $613 annually, sitting 44% below the city's $1,042 average. Their full coverage costs $1,342 per year versus Port St. Lucie's $2,459 average.

Metropolitan Group ranks second with full coverage at $1,634 per year. State Farm also provides competitive pricing for Port St. Lucie residents.

The city's rapid growth has attracted insurance companies seeking to establish market presence, creating competition that benefits consumers. Port St. Lucie's newer infrastructure and planned community layout reduce certain risk factors like blind intersections that plague older Florida cities.

Young drivers face the steepest premiums in Port St. Lucie, paying significantly more than other age groups. Metropolitan Group offers young drivers coverage for $1,298 per year.

Adult drivers pay $613 annually with Travelers, saving $685 compared to young drivers. Senior drivers get their best deal from Travelers at $820 per year, about 34% more than adult premiums.

Port St. Lucie's large retirement community means many residents drive short distances within the city to shopping and medical appointments. Young drivers often work in West Palm Beach or Fort Pierce, adding Interstate 95 commute miles that increase their risk exposure and insurance premiums.

Travelers rewards clean drivers with Port St. Lucie's best rate of $613 per year. A speeding ticket increases your premium to $659 annually with Metropolitan Group, a modest 8% jump.

An at-fault accident pushes costs to $818 per year with Travelers, while a DUI raises premiums to $822 annually with State Farm. Port St. Lucie drivers with violations can still find manageable rates.

Florida's statewide reputation for aggressive driving extends to Port St. Lucie's major arteries like US-1 and Gatlin Boulevard. St. Lucie County Sheriff's Office focuses on distracted driving enforcement, making clean records increasingly valuable as Florida's traffic laws become stricter.

Car insurance in Port St. Lucie averages $87 per month for minimum coverage and $205 per month for full coverage. These rates fall below Florida's state average, making Port St. Lucie a relatively affordable market.

Travelers' minimum coverage rate of $51 monthly shows the potential savings from shopping around. Your actual premium varies based on your driving record, age and coverage selections.

In Florida, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:

• $10,000 for property damage liability per accident.
• $10,000 personal injury protection (PIP) per person.

GEICO offers the cheapest minimum coverage in Port St. Lucie at $61 per month, while State Farm offers the cheapest full coverage at $119 monthly. All Florida policies must include personal injury protection and property damage liability coverage. Compare quotes from multiple insurers to find the best rates for your driving profile.

This section offers quick answers to common questions about finding affordable and the best car insurance options in this area. Learn about minimum coverage and other choices to help you make informed decisions.

MoneyGeek conducted an analysis of Port St. Lucie auto insurance prices using data from the Florida Department of Insurance and Financial Services and Quadrant Information Services.

Port St. Lucie Driver Profile

To assess the best and most affordable auto insurance options for Port St. Lucie residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Port St. Lucie

In assessing the car insurance quotes for Port St. Lucie, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Florida's mandated liability insurance parameters:

The minimum coverage requirements in Florida are:

• $10,000 for property damage liability per accident.
• $10,000 personal injury protection (PIP) per person

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Florida providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Port St. Lucie
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated insurance companies in Port St. Lucie. For further details on our evaluation process, see MoneyGeek's methodology.