Compare the Cheapest Car Insurance Quotes in Port St. Lucie, FL

The average annual car insurance rate in Port St. Lucie is $1,841, which is $367 lower than Florida's state average. The cheapest widely available insurer in this city is GEICO. MoneyGeek's analysis rated insurers by various coverage levels and driver profiles. If you want an insurance policy with affordable rates and quality service in Port St. Lucie, MoneyGeek's insurance company ratings can help you find the best option.

Loading...
By  
  |  
iconribbonbestauto insurancePort St. Lucie2021

The Cheapest and Best Car Insurance in Port St. Lucie

The Cheapest Car Insurance Companies in Port St. Lucie

For full coverage car insurance in Port St. Lucie, the following two companies are the cheapest:

  • USAA: $810 annually (only serving current and former military members)
  • GEICO: $1,407 annually

To gather these quotes, MoneyGeek used a sample profile of a 40-year-old male driver with a full coverage policy, including liability insurance and comprehensive and collision coverage, to analyze various companies’ insurance rates.

Scroll for more

swipe icon

Average Cost of Car Insurance in Port St. Lucie

Port St. Lucie$1,841
Florida$2,208
U.S.$1,424

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.

Loading...

The Best Car Insurance Companies in Port St. Lucie

To help drivers in Port St. Lucie find an affordable company offering quality service, MoneyGeek ranked the best insurance companies. The following two companies came out on top:

  • Esurance: MoneyGeek score of 95 out of 100
  • GEICO: MoneyGeek score of 85 out of 100

USAA received the highest score in Port St. Lucie by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

To determine the scores out of 100 points, MoneyGeek used user satisfaction, affordability and financial stability data from J.D. Power, among other criteria.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Esurance
Score:95

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Travelers
Score:85

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

5
MetLife
Score:83

3/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

6
Hartford
Score:83

2/5

Affordability

5/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Liberty Mutual
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Auto-Owners Insurance Co
Score:80

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

9
State Farm
Score:78

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A-

Financial Stability

10
Nationwide
Score:78

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Progressive
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Safeco
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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.

Shopping around for car insurance in Port St. Lucie could save you $434, which is enough to buy:


coffeeColor icon
145Cups of Coffee
computer icon
33Months of Your Favorite Streaming Service

Cheapest Car Insurance in Port St. Lucie by Coverage Amount

In Port St. Lucie and elsewhere, one of the biggest factors affecting your annual insurance rate is the coverage amount you purchase. An insurance policy meeting the state minimum liability-only requirements costs an average of $932 yearly. In contrast, a full coverage policy with higher liability limits costs $909 more, at an average of $1,841.

Florida Minimum Liability Requirements

  • Item
    Description
  • Property Damage
    $10,000 for property damage. A more protective level is 100/300/100.
  • Personal Injury Protection
    $10,000 per person.

Car insurance companies in Port St. Lucie calculate a policy’s cost based on the limitations and coverage level. The most affordable car insurance will depend on your needs. For example, the cheapest policy for the state minimum liability for an average driver is from USAA at $357. Drivers who are not qualified for a USAA policy can choose GEICO, with an average rate of $647 per year.

Carriers in the city also offer 50/100/50 liability-only and full-coverage policies. If there is only a small difference in price between the two, it could be better to opt for full coverage. For instance, a GEICO 50/100/50 liability-only policy costs an average of $958 per year, while upgrading to full coverage with the same limits costs roughly $1,233.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
Loading...

Cheapest Car Insurance in Port St. Lucie if You Have Driving Violations

Being a careful driver can help you get cheap car insurance in Port St. Lucie. Speeding tickets, at-fault accidents and DUI cases on a driver’s record will increase auto insurance rates. For example, a MetLife policyholder with a clean record pays an average of $1,727 per year. A speeding ticket will add around $322 to that rate, while an at-fault accident adds $644 on average. Meanwhile, a DUI can add $2,374 to your annual premium.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1.
    USAA
    $892
    $1,048
    $1,456
  • 2.
    State Farm
    $1,544
    $1,646
    $1,544
  • 3.
    GEICO
    $2,487
    $1,958
    $3,123
  • 4.
    Allstate
    $2,077
    $2,729
    $2,638
  • 5.
    MetLife
    $2,049
    $2,371
    $4,101
  • 6.
    Travelers
    $2,539
    $2,591
    $3,513
  • 7.
    Allied
    $2,436
    $2,590
    $3,777
  • 8.
    Mercury
    $2,981
    $3,802
    $3,514
  • 9.
    Progressive
    $3,384
    $3,932
    $3,057

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities184th/300
handcuffs2 icon
Most Car Thefts38th/300
uninsured icon
Most Uninsured Motorists by State1st/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall20th/300
umbrella icon
Most Rainy Days43rd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Port St. Lucie are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Loading...

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.