In Port St. Lucie, State Farm offers the best home insurance with a strong balance of affordability, customer service and coverage options. For those prioritizing price, State Farm also provides the lowest premium at an average monthly rate of $219.
Cheap Home Insurance in Port St. Lucie
Updated: June 11, 2025
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Key Takeaways
State Farm is the best overall home insurance provider in Port St. Lucie, and it's also the cheapest at around $2,623 per year.
Home insurance in Port St. Lucie costs an average of $988 per month or $11,854 per year for most homeowners.
To get the best and cheapest home insurance in Port St. Lucie, assess your coverage needs, research costs and companies, and compare multiple quotes.
Best Cheap Home Insurance Companies in Port St. Lucie
| State Farm | 93 | $219 | $2,623 |
| Nationwide | 90 | $362 | $4,349 |
| Florida Peninsula Insurance | 77 | $732 | $8,779 |
| ASI | 68 | $668 | $8,012 |
| Allstate | 68 | $1,133 | $13,594 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Port St. Lucie Home Insurance Cost?
Home insurance rates in Port St. Lucie depend on factors like your home’s age, chosen coverage and personal profile. Costs range from $208 to $3,604 monthly. Use the table below to explore rates tailored to your situation.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $208 | $2,490 |
How to Get the Best Cheap Home Insurance in Port St. Lucie
Finding affordable home insurance in Port St. Lucie can be challenging. We've put together a step-by-step guide to help you discover the best options for your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in Florida for your city and profile can help you gauge potential savings. Understanding what discounts you may qualify for will help you find companies that offer them, leading to lower rates.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes from various sources helps you identify the best option for you. Pricing also varies depending on where you get your quote. We recommend using online tools, independent agents and captive agents to get quotes to make sure you get the lowest price.
Best Home Insurance in Port St. Lucie: Bottom Line
The top three best and cheapest home insurance providers in Port St. Lucie are State Farm, Nationwide and Florida Peninsula. While these are our recommendations, do your own research and compare multiple quotes to get the best deal.
Port St. Lucie Home Insurance: FAQ
Below, we've answered your common questions about home insurance in Port St. Lucie.
Who offers the best home insurance in Port St. Lucie?
The top home insurance provider in Port St. Lucie is State Farm for its affordability, top-notch service and diverse coverage options. Additionally, consider quotes from Nationwide, Florida Peninsula, ASI and Allstate.
Who has the cheapest home insurance in Port St. Lucie?
State Farm has the most affordable home insurance in Port St. Lucie, costing about $219 per month or $2,623 yearly for the average homeowner. Rates can vary widely depending on your coverage level and home characteristics.
What does home insurance cost in Port St. Lucie?
Home insurance costs in Port St. Lucie range from $2,490 to $43,250 annually, depending on personal and property factors.
How We Decided the Best Cheap Home Insurance Companies in Port St. Lucie
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Port St. Lucie. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
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.