Port St. Lucie, FL Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Port St. Lucie.
How much does car insurance cost in Port St. Lucie?
Car insurance costs an average of $1,193 for six months in Port St. Lucie. That's pricier than the Florida average ($1,154) and more expensive than the national average of $880. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Port St. Lucie. Read on to learn more!
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| Car insurance in Port St. Lucie vs. Florida | Average 6 Mo. Premium |
|---|---|
| Port St. Lucie average | $1,193 |
| Florida average | $1,154 |
The Zebra's key takeaways about car insurance in Port St. Lucie:
- The average cost of a car insurance policy in Port St. Lucie is $1,193 per six-month policy — $198 per month.
- The cheapest company in Port St. Lucie is State Farm ($798).
- 47% of Zebra customers in Port St. Lucie stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Port St. Lucie car insurance rates by company
One of the best ways to save on auto insurance is to compare rates from multiple companies and choose the insurer that best fits your coverage needs. In Port St. Lucie, State Farm offers the cheapest rates for the average insurance customer. We've gathered the best cheap car insurance companies in Port St. Lucie below. You should only use this list as a starting point: it's important to see quotes specific to your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| State Farm | $798 |
| GEICO | $1,149 |
| Progressive | $1,335 |
| Allstate | $1,578 |
| State Farm | $798 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Port St. Lucie.
Port St. Lucie auto insurance rates by age
Our data shows that drivers between the ages of 20-29 make up 36% of Port St. Lucie drivers. The best age for car insurance rates as a driver in Port St. Lucie is your 50s: drivers in this age group pay an average of $745 per six months. Drivers in their 60s pay marginally higher rates — $771 every six months.
Teenage drivers pay Port St. Lucie's most expensive insurance rates. One of the most effective ways to lower your car insurance rates as a driver in this city is to age out of your teens. The difference in rates paid by teenage drivers and drivers in their 20s in Por St. Lucie is $4,609, the largest such difference between any two age groups.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $3,321 |
| 20s | $1,511 |
| 30s | $1,188 |
| 40s | $1,165 |
| 50s | $1,097 |
| 60s | $1,121 |
| 70s | $1,364 |
Port St. Lucie car insurance rates by credit score
It's no secret credit score is closely correlated with car insurance rates. Port St. Lucie drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 59% on their auto insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Port St. Lucie, improving your credit to "Fair" corresponds with a $896 decrease in six-month car insurance rates. Our data tells us 30% of drivers in Port St. Lucie have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $2,359 |
| Fair | $1,463 |
| Good | $1,193 |
| Very Good | $1,080 |
| Exceptional | $959 |
Port St. Lucie car insurance rates by violation
Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs and DWIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most costly citations to receive are DUI and reckless driving. Port St. Lucie drivers found guilty of reckless driving face insurance rate increases of $1,286 per year, compared to the citywide average. A DUI violation may lead to a $1,176 increase, while a citation for speeding leads to a $617 rate hike.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DUI/DWI | $1,781 |
| Reckless Driving | $1,836 |
| At-fault Accident (damages less than $1,000) | $1,638 |
| At-fault Accident (damages > $2,000) | $1,638 |
| Speeding Ticket (16-20 mph over speed limit) | $1,501 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.