GEICO is the cheapest insurer in Port St. Lucie for both full coverage and state minimum policies. However, if you have a speeding ticket, State Farm is the cheapest option, while USAA is the cheapest insurer for members of the military. The best insurer overall in Port St. Lucie is Esurance, as it balances both affordability and quality customer service.
The Cheapest and Best Car Insurance in Port St. Lucie
The Cheapest Car Insurance Companies in Port St. Lucie
For a full coverage policy, the cheapest car insurance companies in Port St. Lucie are:
- GEICO: $1,407 per year
- State Farm: $1,443 per year
For service members, veterans and their immediate families, the most affordable option for full coverage is USAA at $810 per year. Progressive is the most expensive option at $2,344 per year, which is nearly 67% more costly than GEICO.
A full coverage policy includes collision and comprehensive insurance, which covers damage to your car. Rates for a full coverage policy can vary depending on the liability coverage you choose.
Cheapest Car Insurance in Port St. Lucie
- Company100/300/100per year
- 1.$810
- 2.$1,407
- 3.$1,443
- 4.$1,727
- 5.$1,825
As outlined in our methodology, MoneyGeek collected quotes for a sample driver, being a 40-year-old male in Port St. Lucie, with a full coverage policy.
Drivers in Port St. Lucie pay higher rates for full coverage, but the advantage is that they get comprehensive and collision insurance, which can save you money in the long run.
- Collision insurance: covers damage to your car if you collide with another vehicle or object.
- Comprehensive insurance: covers non-collision-related damage due to vandalism, theft, weather events and fire.
Drivers with older cars often choose to purchase liability-only insurance. This is because the annual premium for full coverage insurance can add up over time to be higher than the replacement value of their car.
Compare Car Insurance Rates in Port St. Lucie
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Port St. Lucie for Minimum Coverage
The cheapest type of car insurance in Port St. Lucie is a minimum liability policy. The most affordable insurers for minimum coverage in Port St. Lucie are:
- GEICO: $647 per year
- State Farm: $770 per year
USAA is cheapest overall for minimum coverage at $357 yearly, but only drivers who are in the military qualify for car insurance through that insurer. GEICO is $734 cheaper compared to Progressive at $1,381 per year.
Minimum coverage is the most affordable option, but this type of policy may be inadequate for drivers who want full protection as it does not include comprehensive or collision insurance.
You can use the table below to check how much it costs for higher liability coverage.
Cheapest Minimum Liability Car Insurance in Port St. Lucie
- CompanyState Minimumper year
- 1.$357
- 2.$647
- 3.$770
- 4.Allied$863
- 5.$885
If you are looking for the most affordable car insurance in Port St. Lucie, a state minimum policy is the best option. However, this policy only carries the minimum liability limits required by Florida, so you will have limited protection.
For instance, Florida requires a $10,000 bodily injury limit. So if you’re in an accident, your state minimum policy will only cover medical expenses up to $10,000. Anything above this amount, you will have to cover yourself.
Florida Minimum Liability Requirements
- ItemDescription
- Property Damage$10,000 for property damage. A more protective level is 100/300/100.
- Personal Injury Protection$10,000 per person.
Cheapest Car Insurance in Port St. Lucie if You Have Driving Violations
Your car insurance rates in Port St. Lucie will be impacted by the kind of driving record you have. Violations such as DUIs, at-fault accidents and speeding tickets usually result in higher insurance premiums.
The most affordable options for drivers with violations in Port St. Lucie are:
- Cheapest after a ticket: State Farm, $1,544 per year
- Cheapest after an at-fault accident: State Farm, $1,646 per year
- Cheapest after a DUI: State Farm, $1,544 per year
USAA is cheapest overall if you have a speeding ticket or an at-fault accident violation, but you need to be a member of the military to be eligible for this policy.
The best way to get cheaper car insurance rates even with a driving violation is to improve your record. While you’re doing that, you can also find the most affordable insurers for drivers with violations by comparing rates from several insurers.
Cheapest Car Insurance in Port St. Lucie With a Violation
- CompanySpeeding Ticketper year
- 1.$892
- 2.$1,544
- 3.$2,049
- 4.$2,077
- 5.Allied$2,436
Average Cost of Car Insurance in Port St. Lucie
Car insurance in Port St. Lucie costs an average of $1,841 per year. That is 16.6% lower than the state average of $2,208. However, it is 29.3% higher than the $1,424 national annual average.
Personalized Quotes to Get You the Cheapest Car Insurance in Port St. Lucie
To calculate car insurance quotes in Port St. Lucie, carriers consider different variables. Risks associated with you as a driver play a big role. These include your age, gender, driving history, vehicle type and marital status, among others. Your car insurance cost in Port St. Lucie can increase or decrease if there are any changes to your personal circumstances. Compare car insurance quotes regularly to make sure you have a policy that meets your needs and saves you money.
Compare Car Insurance Rates in Port St. Lucie
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Car Insurance Companies in Port St. Lucie
The top auto insurance companies in Port St. Lucie were determined using a blend of average rates, claim satisfaction ratings and financial stability.
The top two auto insurance providers in Port St. Lucie are:
- GEICO: 74 out of 100
- State Farm: 73 out of 100
USAA received a perfect MoneyGeek score of 100. However, it was not included on our list since it is not widely available. Only service personnel and their families qualify for USAA coverage.

GEICO offers mechanical breakdown insurance and has great customer satisfaction and financial stability ratings. A 40-year-old male motorist in Port St. Lucie pays an average of $1,407 per year.
As an addition to your existing insurance, GEICO offers four add-on coverages in Port St. Lucie. For instance, mechanical breakdown insurance may help cover the cost of replacement parts and systems at a lesser cost than a dealer's extended warranty.
Other optional coverages offered by GEICO include roadside assistance coverage for towing and lockout help and rental car reimbursement for the cost of a rented automobile if your vehicle is rendered inoperable due to an accident.
Read MoneyGeek's GEICO auto Insurance Review
State Farm scored well in claims and customer satisfaction in Port St. Lucie. State Farm provides rideshare insurance to drivers who work for ridesharing companies. The annual average cost of a policy from this insurer is $1,443.
State Farm is the second-best vehicle insurance company in Port St. Lucie. State Farm policies can be enhanced with roadside assistance, rental car reimbursement and ridesharing insurance.
Rarely do other insurers provide coverage for ridesharing drivers. There may be gaps in your personal insurance coverage if you work for a ridesharing service, but you can be certain that this coverage will maintain the coverage of your personal policy.
Read MoneyGeek's State Farm auto Insurance Review





Average Cost of Car Insurance by Postal Code
Your location also impacts your auto insurance cost due to varying levels of car thefts, accidents and uninsured motorists in your area. However, in Port St. Lucie, this is basically a non-factor. The neighborhood with the cheapest car insurance in Port St. Lucie is 34953, which has an average annual premium of $1,840. Drivers living in 34983, the city’s most expensive ZIP code for auto coverage, pay just $3 more for a similar policy.
- Zip CodeState Minimumper year
- 34953$1,840
- 34983$1,843
Factors That Impact Insurance Costs in Port St. Lucie
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Port St. Lucie. How Port St. Lucie ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
