Cheapest and Best Car Insurance Companies in Port St. Lucie, FL


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ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

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The cheapest insurance will depend on your needs and driver profile. In Port St. Lucie, State Farm offers the lowest-priced full coverage, policies for drivers with offenses and coverage for military members. It’s also the best overall insurer. Nationwide offers the cheapest car insurance for teens on a family policy, while Travelers has the best customer service.

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2024

Cheapest and Best Car Insurance in Port St. Lucie, FL

Why Trust MoneyGeek? We analyzed several auto insurance quotes in Port St. Lucie and used data from the Florida Office of Insurance Regulation and Quadrant Information Services to find the best companies.

127,836Quotes Analyzed
 
9Companies Compared

Cheapest Minimum Liability Car Insurance in Port St. Lucie

The most affordable car insurance companies for a minimum coverage policy in Port St. Lucie, Florida, are:

  • GEICO: $533 per year
  • State Farm: $557 per year

State Farm is the cheapest car insurance company in Florida, with an annual average premium of $507 as of October 2022. Its average cost is higher than the cheapest rate in Port St. Lucie, illustrating how location can affect insurance costs.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$533Monthly Premium$44
State FarmAnnual Premium$557Monthly Premium$46
NationwideAnnual Premium$677Monthly Premium$56
TravelersAnnual Premium$731Monthly Premium$61
MercuryAnnual Premium$748Monthly Premium$62
FarmersAnnual Premium$884Monthly Premium$74
AllstateAnnual Premium$945Monthly Premium$79
ProgressiveAnnual Premium$1,176Monthly Premium$98

Minimum coverage car insurance policies in Florida must comply with the state's mandatory liability limits for bodily injury liability and property damage liability as follows:

  • $10,000 property damage liability per accident
  • $10,000 personal injury protection

Having liability coverage provides financial protection if you cause damage or injury to others. Florida’s minimum coverage pays up to $10,000 for property damage and up to $10,000 if you injure someone. If damages exceed $10,000 for either, you are responsible for paying the rest.

Cheapest Full Coverage Car Insurance in Port St. Lucie

The cheapest car insurance companies for a full coverage policy in Port St. Lucie, Florida, are

  • State Farm: $1,080 per year
  • GEICO: $1,314 per year

Direct General Insurance offers the most expensive car insurance policy in the area. It costs an annual premium of $2,254. The cheapest insurance provider for full coverage in Florida is State Farm. Its annual premium costs $1,058 as of October 2022 and shows how your auto insurance rates are significantly impacted by where you live.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$1,080Monthly Premium$90
GEICOAnnual Premium$1,314Monthly Premium$110
NationwideAnnual Premium$1,394Monthly Premium$116
TravelersAnnual Premium$1,526Monthly Premium$127
MercuryAnnual Premium$1,591Monthly Premium$133
FarmersAnnual Premium$1,706Monthly Premium$142
ProgressiveAnnual Premium$1,925Monthly Premium$160
AllstateAnnual Premium$2,029Monthly Premium$169

A full coverage car insurance policy includes comprehensive and collision insurance in addition to liability coverage.

  • Collision Insurance: Pays for damages to your car caused by an accident with another car or object.
  • Comprehensive Insurance: Pays for damages to your car from theft, natural disasters, vandalism and fire.

A full coverage policy may not be cost-effective if you have an older or low-cost vehicle. Its premiums could cost as much or more than the car is worth.

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Cheapest Car Insurance in Port St. Lucie After a Driving Offense

The cheapest car insurance company after a driving violation in Port St. Lucie is State Farm.

  • Speeding ticket: State Farm ($1,220 per year)
  • At-fault accident: State Farm ($1,327 per year)
  • DUI: State Farm ($1,220 per year)

Nationwide is the most expensive after a DUI ($3,123), Allstate after an at-fault accident ($3,610) and Progressive after a speeding ticket ($2,669). Drivers with poor records are deemed higher risk and, as a result, pay higher rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$1,220Monthly Premium$102
NationwideAnnual Premium$1,649Monthly Premium$137
AllstateAnnual Premium$2,029Monthly Premium$169
TravelersAnnual Premium$2,130Monthly Premium$178
FarmersAnnual Premium$2,135Monthly Premium$178
MercuryAnnual Premium$2,236Monthly Premium$186
Direct General InsuranceAnnual Premium$2,254Monthly Premium$188
GEICOAnnual Premium$2,567Monthly Premium$214

The amount that rates increase for drivers with violations depends on the severity of the offense. For example, Port St. Lucie drivers will pay an average of $194 more after a speeding ticket and $1,197 after a DUI. Car insurance premiums can vary depending on location and driving record, and drivers with a poor driving history can still find affordable insurance by shopping around.

Cheapest Car Insurance in Port St. Lucie for Teens and Their Families

The most affordable car insurance providers for teens on a family policy in Port St. Lucie, Florida, are

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

Progressive offers the most expensive insurance for female teens at $6,084 per year, while Travelers has the least affordable insurance for male teens at $6,217 per year.

Car insurance providers typically charge male teens higher premiums because they are considered higher risk. However, the difference in rates tends to decrease by early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$3,362Individual Plan Monthly Premium$9,439
State FarmFamily Plan Annual Premium$4,227Individual Plan Monthly Premium$6,669
GEICOFamily Plan Annual Premium$4,780Individual Plan Monthly Premium$10,207
TravelersFamily Plan Annual Premium$4,949Individual Plan Monthly Premium$14,633
AllstateFamily Plan Annual Premium$5,049Individual Plan Monthly Premium$31,815
FarmersFamily Plan Annual Premium$5,654Individual Plan Monthly Premium$16,005
ProgressiveFamily Plan Annual Premium$6,084Individual Plan Monthly Premium$12,961

Generally, it is more cost-effective to include teen drivers in a family policy versus getting a separate policy. You can save an average of $4,940 per year in Port St. Lucie by adding your teen to a family policy. When looking for affordable car insurance for teens, consider all available options and the factors that affect insurance premiums.

Cheapest Car Insurance in Port St. Lucie for Military Drivers

The cheapest car insurance companies for current or former military members and their families in Port St. Lucie, Florida, are:

  • State Farm: $1,080 per year
  • GEICO: $1,314 per year

Another great option for active or former military members is USAA. GEICO and State Farm also offer the cheapest minimum coverage policies, at $533 and $557 per year, respectively.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$1,080Monthly Premium$90
GEICOAnnual Premium$1,314Monthly Premium$110
NationwideAnnual Premium$1,394Monthly Premium$116
TravelersAnnual Premium$1,526Monthly Premium$127
MercuryAnnual Premium$1,591Monthly Premium$133
FarmersAnnual Premium$1,706Monthly Premium$142
ProgressiveAnnual Premium$1,925Monthly Premium$160
AllstateAnnual Premium$2,029Monthly Premium$169

How to Compare Cheap Port St. Lucie Car Insurance Quotes Online

Obtaining an online car insurance quote in Port St. Lucie, Florida, can be time-consuming and requires divulging a significant amount of personal information. MoneyGeek’s car insurance calculator can give you quick estimates using only your age, vehicle type, coverage level and driving record.

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MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Jun 23, 2024

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Best Car Insurance in Port St. Lucie: Summary

The best insurance for you will meet your affordability, coverage and customer service needs. The best car insurance providers in Port St. Lucie, Florida, for these categories, are:

  • Best overall: State Farm (MoneyGeek score of 76 out of 100)
  • Best for service: State Farm (MoneyGeek score of 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score of 75 out of 100)

The overall MoneyGeek score for a company can vary depending on how we weigh factors for every category. While State Farm is the best option in Port St. Lucie, GEICO is the best car insurance in Florida. This discrepancy shows how location can affect rates.

Best Overall Car Insurance in Port St. Lucie

The best car insurance companies in Port St. Lucie, Florida, are:

  • State Farm: MoneyGeek score of 76 out of 100 ($1,080 per year)
  • GEICO: MoneyGeek score of 69 out of 100 ($1,314 per year)

State Farm balances affordability, customer satisfaction and claims experience.

How was this MoneyGeek score calculated?

State Farm

pros

checkmark

Good customer satisfaction rating

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Excellent affordability rating

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Rental car/travel reimbursement

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Roadside assistance

cons

close

Low claims experience rating

COMPANY HIGHLIGHTS

State Farm is the best overall car insurance provider in Port St. Lucie, Florida. With a reputation for exceptional customer service and comprehensive coverage options, State Farm has established itself as a top choice for drivers seeking reliable car insurance in the region.

Whether you are a first-time driver or have years of experience, State Farm's policies offer the flexibility and protection to keep you safe and secure while driving. This insurer covers your rental car and travel expenses — including meals and lodging up to $500. If you’re responsible for an accident in your rental, it also pays up to $500 of the deductible.

State Farm offers roadside assistance that includes mechanical labor for one hour, towing to the nearest repair location, fuel/oil/battery delivery, locksmith services for lost or locked keys and towing out of a public road if a car gets stuck.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance in Port St. Lucie for Customer Service

The best companies for customer service in Port St. Lucie are:

  • Travelers: MoneyGeek score of 60 out of 100 ($1,526 per year)
  • State Farm: MoneyGeek score of 58 out of 100 ($1,080 per year)

Travelers balances customer satisfaction and claims experience while offering good coverage. State Farm slightly outperforms the former in customer satisfaction. Insurance companies that prioritize customer service can come at a higher cost.

How was this MoneyGeek score calculated?

Travelers

pros

checkmark

Good coverage rating

checkmark

New car replacement coverage

checkmark

Gap insurance coverage

cons

close

Low claims experience rating

COMPANY HIGHLIGHTS

Travelers is the best car insurance provider for customer service in Port St. Lucie, Florida, prioritizing its customers and offering comprehensive coverage options.

The company offers standard coverages like rental car/travel reimbursement and roadside assistance. Its rarer coverages include new car replacement and gap insurance. If your car is less than five years old and is totaled, Travelers’ new car replacement add-on will replace it with a new vehicle of the same make and model.

Travelers also offers gap insurance, a great safeguard for those who finance or lease a vehicle. This coverage pays the difference between the outstanding loan balance and the car’s cash value if it’s totaled.

Read MoneyGeek's Travelers Auto Insurance Review

Best Cheap Car Insurance in Port St. Lucie

We evaluated the affordability and service of Florida car insurance providers that offer policies meeting the state’s minimum requirements. Drivers will find the best minimum coverage insurance in Port St. Lucie from:

  • GEICO: MoneyGeek score of 78 out of 100 ($533 per year)
  • State Farm: MoneyGeek score of 77 out of 100 ($557 per year)

Minimum coverage policies offer affordable insurance rates, but they only provide a limited amount of liability protection and do not provide coverage for damages to your vehicle in the event of an accident.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

An affordable minimum coverage policy costs $533 annually

checkmark

Offers many discounts

cons

close

Low claims experience rating

COMPANY HIGHLIGHTS

GEICO is the best cheap car insurance provider in Port St. Lucie, Florida. With a focus on affordability and flexibility, GEICO offers a range of policies that cater to the individual needs of drivers in the region.

This insurer offers various discounts that help policyholders lower rates further. It has safety-related discounts for having anti-lock brakes, airbags, anti-theft systems, completing a defensive driving course and wearing your seatbelt. If you remain accident-free for five years, you also qualify for a discount.

Teachers, senior drivers, students with good grades, military members, deployed military members and federal employees qualify for GEICO discounts. Lastly, you can get a discount if you bundle policies or insure more than one car.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Port St. Lucie

The average cost of auto insurance in Port St. Lucie for full coverage is $1,647 per year as of October 2022. This cost is for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

The city’s average cost is $288 lower than the average full coverage cost in Florida and $382 higher than the national average car insurance premium of $1,265 annually. Location is one of many factors that can substantially impact car insurance rates.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.