Cheapest Car Insurance in Port St. Lucie (2026)

Travelers provides Port St. Lucie's most affordable full coverage at $112 monthly, while also offering the cheapest minimum coverage at just $51 per month or $613 annually. These rates apply to drivers with clean records. Your age and driving history play major roles in determining which provider gives you the lowest premium, so requesting quotes from multiple carriers reveals your best available rate.

Auto insurance costs in Port St. Lucie average $87 per month for minimum coverage and $205 per month for full coverage. These figures align with Florida’s statewide averages of $87 monthly for minimum coverage and $205 for full coverage.

Local insurance prices reflect factors such as traffic volume, accident frequency and vehicle theft trends in more developed areas of the city. Comparing quotes from several insurers helps drivers identify options that better match their budget and coverage needs.

Read More: The cheapest car insurance in Florida

Average car insurance costs among Port St. Lucie’s five cheapest insurers vary widely by age. Young drivers pay $291 per month, compared with $140 for adults and $173 for seniors. These figures show how insurers price higher risk for less experienced drivers, resulting in much higher premiums than those paid by more experienced drivers.

Cheapest Port St. Lucie car insurance by age:

• Young drivers: Travelers at $249 per month
• Adult drivers: Travelers at $112 per month
• Senior drivers: Travelers at $150 per month

Once drivers establish experience, age matters less for pricing. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.

Young drivers in Port St. Lucie pay the highest car insurance rates, with average monthly premiums reaching $291 compared to $140 for adults. Travelers offers the lowest full coverage price for this age group at $249 per month or $2,987 annually. 

Even the lowest available rates remain high because insurers view drivers ages 16 to 25 as higher risk due to limited experience, higher accident involvement, and more frequent traffic violations. These factors make young drivers more than twice as expensive to insure than older, more experienced drivers.

Comparing quotes can lower monthly costs. Choosing Travelers instead of Nationwide at $344 per month saves young Port St. Lucie drivers $95 each month. Adding a young driver to a family policy often costs less than purchasing separate coverage, though rates tend to ease only after age 25.

Note: Teen driver insurance requirements differ by state. Parents should check local regulations for coverage minimums and supervision requirements.

Port St. Lucie seniors often qualify for competitive car insurance rates thanks to long driving histories and fewer recent violations. Travelers offers one of the lowest full coverage prices at $150 per month or $1,795 annually. Some insurers adjust rates for drivers over 70 based on age related risk factors, though pricing remains favorable overall. 

Among the five cheapest providers, seniors average $173 per month, which is $33 higher than the $140 average paid by younger adults.

Compare insurers to find lower rates. Choosing Travelers instead of Nationwide at $222 per month saves seniors $72 each month. Completing a defensive driving course or qualifying for low mileage discounts under 7,500 miles per year can reduce costs further.

Drivers ages 26 to 64 pay Port St. Lucie’s lowest car insurance rates because this group combines years of driving experience with lower accident rates than younger and older drivers. Travelers offers the lowest full coverage price at $112 per month or $1,342 annually. Among the city’s five cheapest insurers, adults in this age range average $140 per month, which is lower than any other age group.

Choosing Travelers instead of Nationwide at $157 per month saves Port St. Lucie adults $45 each month. Maintaining a clean driving record, bundling policies, and qualifying for good driver discounts can help lower costs even more.

Driving violations raise car insurance costs in Port St. Lucie, with average monthly rates among the five cheapest insurers increasing from $62 for drivers with clean records to $86 after a DUI. Travelers offers the lowest minimum liability rate for clean drivers at $51 per month, while Metropolitan Group has the lowest average for speeding violations at $55. 

State Farm posts the most affordable DUI rates at $68 monthly. Average costs rise to $74 after a speeding ticket and reach $83 following an at fault accident. Insurers increase rates most after DUIs because they involve impaired driving and legal penalties, which places drivers in a higher risk category and may require SR-22 filings. 

At fault accidents also raise premiums since they show a history of causing damage or injuries. Speeding violations lead to smaller increases because they reflect risky behavior without a documented crash.

Port St. Lucie drivers pay monthly car insurance costs ranging from $86 in ZIP code 34987 to $206 in ZIP code 34953. See your ZIP code’s rate in the table below.

The city’s most populated areas, including ZIP codes 34953 and 34952, show minimum coverage rates of $206 and $204 per month. These neighborhood differences reflect local risk factors such as population density, accident frequency, vehicle theft rates and uninsured driver levels.

Use the table filter to locate your ZIP code and check your area’s rate.

Port St. Lucie drivers can secure competitive rates without sacrificing adequate coverage with the right approach.

Want to find affordable coverage in Port St. Lucie? This FAQ answers your questions about available discounts, state regulations and policy options to help you get coverage that works for your budget.

Port St. Lucie drivers pay some of Florida's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for  Port St. Lucie's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.