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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.