The average full coverage car insurance cost in Port St. Lucie is $182 per month. Rates can range from as low as $179 to as high as $601, depending on your policy, vehicle, and personal details. To help drivers understand what to expect, the table below shows the average car insurance costs for various driver profiles.
Port St. Lucie, FL, Car Insurance
Updated: March 31, 2025
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Cheapest Car Insurance in Port St. Lucie: Key Takeaways
In the city, GEICO, State Farm, Travelers and Nationwide are known for offering some of the most affordable car insurance options, ensuring residents have budget-friendly choices.
For the most affordable car insurance, GEICO provides the lowest rate for minimum coverage at $61 per month, while State Farm offers full coverage at $119 monthly.
On average, residents can expect to pay $86 monthly for minimum coverage and $182 for full coverage, though these rates can vary based on individual driver profiles.
Car Insurance Quotes in Port St. Lucie, FL
| Young Drivers | $99 | $214 |
| Teens | No Data | $601 |
| Seniors | $82 | $170 |
| Drivers With a Speeding Ticket | $105 | $225 |
| Drivers With a DUI | $118 | $255 |
| Drivers With An Accident | $128 | $275 |
| Bad Credit | $138 | $274 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Port St. Lucie vs. State Average
Florida
State Average Full Coverage Rate
$2,425
Port St. Lucie, FL
City Average Full Coverage Rate
$2,070More:$355 saved
This is 15% less expensive.
What Is the Average Car Insurance Rate in Port St. Lucie?
In Port St. Lucie, the average cost for full coverage car insurance is $2,070 per year, while the minimum coverage is $1,016 annually. These rates are lower than Florida's averages, where full coverage costs $2,425 and minimum coverage is $1,168 each year. Residents can enjoy more affordable rates locally.
| State Average | $1,168 | $2,425 |
| Port St. Lucie Average | $1,016 | $2,070 |
Cheapest Car Insurance Companies in Port St. Lucie
Premiums may be rising across the Sunshine State, but affordable car insurance is still within reach in Port St. Lucie. GEICO offers the cheapest minimum coverage at $61 per month. For full coverage, State Farm provides the best rate at $119 monthly.
WHY CAR INSURANCE IN PORT ST. LUCIE IS CHEAP
Car insurance in Port St. Lucie is cheaper than the state average. Other areas in Florida may be expensive due to factors like traffic density and accident rates. The city ranks high among Florida cities for insurance costs. Statewide issues, including a large number of uninsured drivers, frequent personal injury lawsuits, and insurance fraud, also drive up premiums for Florida residents.
Cheap Car Insurance in Port St. Lucie
GEICO often has the cheapest minimum coverage, but rates vary for each driver. The best way to find affordable car insurance is to get quotes from several providers. Below is a table showing the cheapest rates for different driver profiles.
| GEICO | Minimum Coverage | $61 |
| State Farm | Full Coverage | $119 |
| State Farm | Teens | $322 |
| Travelers | Young Adults | $104 |
| State Farm | Seniors | $85 |
| Nationwide | Bad Credit | $158 |
| State Farm | Drivers With a DUI | $104 |
| State Farm | Drivers With An Accident | $113 |
| State Farm | Drivers With a Speeding Ticket | $104 |
Car Insurance Rates in Port St. Lucie by Company
Different car insurance companies in Port St. Lucie charge various prices. To find the cheapest, compare rates. Below, we detail the most affordable options for state minimum and full coverage car insurance.
Cheapest Car Insurance Companies for Minimum Coverage in Port St. Lucie
GEICO offers the cheapest minimum coverage auto insurance at $61 per month. State Farm follows closely at $64 monthly. See the breakdown of the cheapest options in the table below.
| GEICO | $61 | $25 |
| Travelers | $62 | $25 |
| State Farm | $64 | $22 |
| Nationwide | $79 | $8 |
| Mercury | $80 | $6 |
| Allstate | $85 | $2 |
Cheapest Car Insurance Companies for Full Coverage in Port St. Lucie
State Farm offers the cheapest full coverage car insurance in Port St. Lucie at $119 per month. Below is a list of other providers and their rates.
| Allstate | $179 | $3 |
| GEICO | $170 | $13 |
| Nationwide | $155 | $27 |
| State Farm | $119 | $63 |
| Travelers | $124 | $58 |
Car Insurance Companies in Port St. Lucie
To find affordable car insurance in Port St. Lucie, we suggest getting quotes from several companies. State Farm offers the cheapest rate at $1,098 annually and is the top-rated provider with a MoneyGeek score of 85. Check the table below for more options to consider in your search.
| State Farm | 85 | $1,098 |
| Mercury | 81 | $1,630 |
| Travelers | 77 | $1,113 |
| Nationwide | 74 | $1,402 |
| GEICO | 68 | $1,386 |
| Progressive | 65 | $1,531 |
| Allstate | 64 | $1,584 |
| Farmers | 58 | $1,963 |
| Direct General Insurance | 36 | $2,185 |
Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Port St. Lucie by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $2,070 per year for 40-year-olds and $2,035 annully for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $5,075 | $-771 |
| 17 | $5,048 | $-743 |
| 18 | $4,333 | $-29 |
| 19 | $4,202 | $103 |
| 20 | $4,329 | $-24 |
| 21 | $3,435 | $870 |
| 22 | $3,490 | $814 |
| 23 | $3,580 | $725 |
| 24 | $3,380 | $925 |
| 25 | $2,570 | $39 |
| 40 | $2,070 | $538 |
| 65 | $2,035 | $574 |
Cheapest Car Insurance for Teens in Port St. Lucie
Nationwide offers the cheapest overall car insurance for teens in Port St. Lucie, with full coverage at $288 per month, saving you $101 compared to Florida's average. Below, the table also highlights other affordable providers for teens in the area.
| Nationwide | $288 | $101 | $490 |
| State Farm | $353 | $35 | $322 |
| GEICO | $381 | $7 | $414 |
| Travelers | $387 | $2 | $551 |
| Allstate | $389 | $0 | $1,099 |
| Farmers | $440 | $-51 | $739 |
| Progressive | $483 | $-95 | $594 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Port St. Lucie
Travelers offers the best minimum coverage rates for young drivers at $68 per month. For full coverage, State Farm is the most affordable at $141 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| Travelers | Minimum Coverage | $68 |
| State Farm | Full Coverage | $141 |
| Nationwide | Bad Credit | $186 |
| State Farm | Drivers With a DUI | $121 |
| State Farm | Drivers With An Accident | $132 |
| State Farm | Drivers With a Speeding Ticket | $121 |
Cheapest Car Insurance Companies for Young Drivers in Port St. Lucie
State Farm offers the most affordable auto insurance for young drivers at $107 per month. Other companies with competitive rates are shown in the table below.
| Travelers | $104 | $59 |
| State Farm | $107 | $57 |
| Nationwide | $136 | $27 |
| Allstate | $142 | $22 |
| GEICO | $160 | $4 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Port St. Lucie
GEICO and State Farm offer some of the most affordable car insurance rates, though prices can vary based on many factors. The table below highlights the cheapest providers for different driver and coverage profiles that may better fit your needs.
| GEICO | Minimum Coverage | $56 |
| State Farm | Full Coverage | $110 |
| Nationwide | Bad Credit | $149 |
| State Farm | Drivers With a DUI | $96 |
| State Farm | Drivers With An Accident | $104 |
| State Farm | Drivers With a Speeding Ticket | $96 |
Cheapest Car Insurance Companies for Seniors in Port St. Lucie
State Farm offers the cheapest monthly premium for seniors at $85 for both minimum and full coverage. Travelers is the second most affordable at $90 per month. The table below highlights top car insurance providers for seniors in Port St. Lucie.
| State Farm | $85 | $47 |
| Travelers | $90 | $42 |
| GEICO | $107 | $25 |
| Nationwide | $110 | $22 |
| Mercury | $130 | $2 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Port St. Lucie
In Port St. Lucie, high-risk drivers often pay less for car insurance than the state average. For example, minimum coverage costs $1,434 annually, while full coverage is $3,171. Those with bad credit or DUIs face the highest rates. Accidents and speeding tickets affect costs less, making them more affordable concerns for drivers.
| State Average | $1,651 | $3,718 |
| Port St. Lucie Average | $1,434 | $3,171 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a speeding ticket in Port St. Lucie, affect your insurance for about three to five years. For serious offenses, such as a DUI, insurers may consider them for up to ten years, and you might need to file an SR-22 or FR-44 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Port St. Lucie
State Farm offers the cheapest minimum coverage for drivers with a DUI at $873 per year. For full coverage, State Farm is again the most affordable option at $1,615 annually. Check out the table below for more low-cost coverage options.
| State Farm | $73 | $135 |
| Travelers | $105 | $213 |
| Farmers | $120 | $234 |
| Allstate | $113 | $253 |
| GEICO | $116 | $345 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Port St. Lucie
State Farm, Travelers, and GEICO are the top picks for affordable car insurance for drivers with an at-fault accident in Port St. Lucie. For those seeking the cheapest auto insurance after an at-fault accident, these providers offer competitive rates. Below, a table shows various providers offering budget-friendly coverage options for those with an accident violation.
| State Farm | $79 | $146 |
| Travelers | $90 | $182 |
| Nationwide | $114 | $225 |
| GEICO | $92 | $268 |
| Allstate | $150 | $335 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Port St. Lucie
State Farm is the cheapest car insurance provider for drivers with a speeding ticket, with rates of $73 for minimum coverage and $135 for full coverage in Port St. Lucie. Check the table below to see how other providers charge drivers with a speeding ticket on their record.
| State Farm | $73 | $135 |
| Travelers | $85 | $174 |
| Nationwide | $93 | $183 |
| Allstate | $89 | $187 |
| Mercury | $110 | $278 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Cheapest Car Insurance for Bad Credit in Port St. Lucie
Nationwide offers the most affordable rates for drivers with bad credit for both state minimum and full coverage car insurance policies in Port St. Lucie. See the table below to find other affordable options.
| Nationwide | $107 | $210 |
| Travelers | $134 | $253 |
| Direct General Insurance | $128 | $266 |
| Mercury | $125 | $301 |
| GEICO | $127 | $351 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Port St. Lucie, FL
In the Sunshine State, 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.
Imagine you're in a fender-bender. Your minimum coverage helps pay for damages up to $10,000, keeping you financially afloat without breaking the bank.
Cheap Car Insurance in Port St. Lucie: Bottom Line
GEICO leads with the cheapest minimum coverage at $61, while State Farm wins for full coverage at $119. No matter your driving history, you'll find affordable options that fit your wallet. Remember, your policy must include Florida's mandatory personal injury and property damage protection. By comparing insurance providers, you can secure affordable rates that fully adhere to Sunshine State laws.
Port St. Lucie Auto Insurance: FAQ
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.
What is the cheapest car insurance company in Port St. Lucie, Florida?
GEICO offers the most affordable car insurance in Port St. Lucie, with policies starting at around $61 for state minimum coverage.
What is the best car insurance company in Port St. Lucie, Florida?
State Farm, with a score of 84 out of 100, offers competitive car insurance in Port St. Lucie, with annual premiums at $1,098 for state minimum coverage.
How much does car insurance cost on average in Port St. Lucie?
Average monthly rates for minimum coverage car insurance in Port St. Lucie range from $84 for seniors to $141 for drivers with bad credit.
Best Cheap Car Insurance in Port St. Lucie: Our Methodology
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.