Cheapest and Best Car Insurance in Port St. Lucie, FL (July 2024)

In Port St. Lucie, Florida, GEICO offers the cheapest minimum coverage car insurance. State Farm has the lowest rates for full coverage. It also provides the best overall value for price and service. Nationwide is the most affordable for families with teen drivers. Mercury excels in customer service. Your ideal insurer depends on what you prioritize in an insurance plan.

MoneyGeek found that GEICO offers the cheapest car insurance in Port St. Lucie, ensuring savings for drivers seeking minimum coverage. These are the most affordable rates:

• GEICO: $694 per year
• Travelers: $727 per year

Direct General Insurance has the most expensive minimum coverage policy in Port St. Lucie, with an annual premium of $1,470. The $776 difference between GEICO and Direct General Insurance highlights the advantage of comparing rates to secure the most favorable car insurance costs.

In Florida, state law guides car insurance minimums. These are the required limits:

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

If you're at fault in an accident and damages cost $15,000, your minimum coverage policy would cover up to $10,000 in property damage. You'd be responsible for the excess $5,000 out of pocket.

MoneyGeek found that State Farm offers the cheapest full coverage car insurance in Port St. Lucie, ensuring substantial savings without compromising on coverage.

• State Farm: $1,428 per year
• Travelers: $1,497 per year

Direct General Insurance has the most expensive full coverage policy in Port St. Lucie, with an average annual premium of $2,900. The $1,472 difference between the cheapest and most costly options highlights the importance of comparing quotes to secure financial savings. Note that full coverage policies include comprehensive and collision insurance, making them pricier than minimum coverage.

Full coverage extends beyond increased liability limits to include both comprehensive and collision insurance:

• Collision Insurance: This coverage is designed to absorb the costs associated with damage to your car caused by an impact with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This insurance addresses non-collision events that damage your vehicle, such as theft, vandalism, fires, extreme weather conditions or being struck by an animal like a deer.

For those with a new vehicle, opting for full coverage insurance is prudent to protect your considerable expense. Conversely, for owners of older vehicles, the added cost might not justify the additional protection offered. Deciding how much car insurance you need requires you to balance the premium costs associated with more extensive coverage and the potential risk of being underinsured.

MoneyGeek found that State Farm is the cheapest company for drivers with a poor driving record, offering a full coverage policy for all three infractions.

• Speeding Ticket: State Farm ($1,615 per year)
• At-Fault Accident: State Farm ($1,758 per year)
• DUI: State Farm ($1,615 per year)

The companies with the highest rates for these offenses include Mercury for at-fault accidents ($4,231 per year), Nationwide for DUIs ($4,181 per year) and GEICO for speeding tickets ($3,382 per year). The difference in rates illustrates how the type of violation impacts insurance costs.

Insurance rates in cities like Port St. Lucie are impacted by the gravity of driving offenses. More severe violations typically result in higher premiums. For instance, drivers with a DUI can expect an annual rate of approximately $3,777, while those with a speeding ticket may face around $3,324 in yearly charges. Considering these significant rate discrepancies, it's imperative for individuals with driving offenses to compare insurance quotes diligently to find the most cost-effective policy.

MoneyGeek found that Nationwide offers the cheapest full coverage car insurance for teens in Port St. Lucie, making it a crucial consideration for budget-conscious families. Here are the top two options:

• Nationwide: $3,362 per year for female teens and $3,786 per year for male teens
• State Farm: $4,227 per year for female teens; GEICO: $4,839 per year for male teens

These rates are for a policy covering two parents and a teenager. Progressive has the priciest option for female teens at $6,084 per year. This contrast in premiums highlights the necessity of thorough comparisons to secure affordable rates, particularly since teen drivers are typically classified as higher risk. With potential savings reaching the thousands, selecting the right insurer can make a substantial financial impact.

In Port St. Lucie, the disparity in car insurance premiums between individual policies for teens and those added to a family plan is significant. A teen purchasing an individual policy faces an average annual premium of $9,870, compared to $5,278 when included in a family plan. Insurers often set higher rates for teens due to their lack of driving experience and higher accident risk. Obtaining approval for an individual policy as a teen is also challenging, as insurers weigh the increased likelihood of filing a claim against the limited driving record most teens have. For these reasons, it's financially prudent for families to opt for a joint policy.

MoneyGeek found that State Farm offers the cheapest car insurance for military backgrounds in Port St. Lucie.

• State Farm: $1,428 per year
• Travelers: $1,497 per year

Although USAA was not in this analysis, it does provide service within Port St. Lucie. The company is known for offering competitive rates and specialized services tailored to the needs of active-duty military members.

Finding affordable car insurance in Port St. Lucie requires comparing rates, which can take over an hour when evaluating at least three companies.

MoneyGeek's car insurance calculator expedites this process. By entering key details such as age, driving history, credit score and desired coverage, you can swiftly receive tailored rate estimates.

The best auto insurance hinges on the weight you place on service quality, cost efficiency, coverage options and other personal preferences. MoneyGeek employed specialized scoring metrics for each category, reflecting the various needs of consumers, and identified the top insurance providers in Port St. Lucie.

• Best overall: State Farm (MoneyGeek score 85 out of 100)
• Best for service: Mercury (MoneyGeek score 83 out of 100)
• Best cheap: Mercury (MoneyGeek score 87 out of 100)

Mercury stands out for premium service and is also the preferred choice for budget-conscious drivers who do not want to compromise on service quality. With the highest overall score, State Farm offers an optimal blend of affordability and service. It is the best choice for those seeking comprehensive value.

MoneyGeek found that State Farm provides the best car insurance in Port St. Lucie.

• State Farm: MoneyGeek score of 85 out of 100 ($1,428 per year)
• Mercury: MoneyGeek score of 82 out of 100 ($1,983 per year)

State Farm stands out for its remarkable combination of high satisfaction and affordability. With a MoneyGeek score highlighting these two core strengths, customers can expect a full coverage policy synonymous with excellence and value from State Farm.

MoneyGeek found that Mercury is the best option in Port St. Lucie for top-notch car insurance customer service. This conclusion is drawn solely from assessing general satisfaction, claims handling and coverage options, without considering rates.

• Mercury: MoneyGeek score of 83 ($1,983 per year)
• State Farm: MoneyGeek score of 75 ($1,428 per year)

Mercury is the leading provider due to its superior general satisfaction and claims scores, which are the primary contributors to its overall MoneyGeek score. This performance indicates a strong commitment to meeting client needs and effectively managing claims.

MoneyGeek found that Mercury offers the best cheap car insurance in Port St. Lucie, considering affordability, claims handling and customer satisfaction. Here are the top two providers with the highest MoneyGeek scores:

• Mercury: MoneyGeek score of 87 out of 100 ($789 per year)
• State Farm: MoneyGeek score of 84 out of 100 ($767 per year)

Mercury stands out in Port St. Lucie for its cost-effective and exemplary service. Its high MoneyGeek score and customer satisfaction and claims ratings reflect its top performance. Note that these ratings apply to minimum coverage policies, showing that Mercury delivers quality coverage at a competitive price without sacrificing service.

In Port St. Lucie, Florida, the average car insurance cost is $2,009, less than the Florida state average of $2,392. However, the state average is significantly higher than the national average car insurance cost of $1,781, with Florida’s average being $611 more.

Various factors influence car insurance premiums, among which location plays an important role. Geographical location is significant due to the variances in traffic patterns, accident rates, theft occurrences and even local legislation that can affect how insurance risk is calculated. For example, Gainesville, Florida, is the city with the most economical car insurance premium of $1,699 per year — $693 less than the state average. In contrast, Hialeah's average annual premium is $3,233, making it the most expensive city in Florida for car insurance. Such disparities illustrate the impact that location has on insurance costs, with urbanized cities typically facing higher rates. Less congested, non-city areas may have even lower rates.