Port St. Lucie, FL Auto Insurance (2024)
The cheapest auto insurance company in Port St. Lucie, Florida, is USAA. However, auto insurance rates will vary for each person. Port St. Lucie, FL, auto insurance must meet the state minimum requirements with coverage levels of $10K for PIP and $10K for PDL. Compare Port St. Lucie, FL car insurance quotes online to find the best rates from local companies.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
UPDATED: Dec 19, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 19, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Port St. Lucie, FL auto insurance costs, on average, $4,534/yr or $378/mo
- USAA offers the cheapest auto insurance in Port St. Lucie, Florida
- Vehicle thefts are much lower in Port St. Lucie’s than in other popular Florida cities
On average, Port St. Lucie, FL auto insurance is $378 per month which is slightly lower than the average of $390 per month for Florida auto insurance.
Auto insurance in Port St. Lucie, FL is expensive mainly due to state laws, but other factors such as the company you choose, your driving record, and your credit history can further the challenge to find affordable auto insurance.
Monthly Port St. Lucie, FL Car Insurance Rates by ZIP Code
Check out the monthly Port St. Lucie, FL auto insurance rates by ZIP Code below:
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Port St. Lucie, FL Car Insurance Rates vs. Top US Metro Car Insurance Rates
You might find yourself asking how does my Port St. Lucie, FL stack up against other top metro auto insurance rates? We’ve got your answer below.
Ready to find affordable Port St. Lucie, FL auto insurance rates? Enter your ZIP code above to get started.
What is the cheapest auto insurance company in Port St. Lucie, FL?
USAA is the cheapest auto insurance company in Port St. Lucie, FL, but this auto insurance company provides services only to military veterans and their immediate families.
The next two most affordable Port St. Lucie auto insurance companies are State Farm and Nationwide.
Which Port St. Lucie, FL auto insurance company has the cheapest rates? And how do those rates compare against the average Florida auto insurance company rates? We’ve got the answers below.
Here are the best auto insurance companies in Port St. Lucie, Florida, ranked from cheapest to most expensive:
- USAA – $2,700
- State Farm – $3,131
- Nationwide – $4,050
- Geico – $4,166
- Liberty Mutual – $5,231
- Progressive – $5,346
- Allstate – $7,113
USAA, State Farm, Nationwide, and Geico are the only Port St. Lucie auto insurance companies with cheaper than average auto insurance rates.
However, your auto insurance rates will depend on several other personal factors such as your driving record, credit score, and the neighborhood you choose to live in.
The most affordable ZIP code in Port St. Lucie, FL, is 34953, and its average auto insurance cost is $294 per month.
What are the minimum auto insurance coverage requirements in Port St. Lucie, FL?
All Florida drivers must carry the minimum auto insurance requirements, which are:
- $10,000 for personal injury protection (PIP)
- $10,000 for property damage liability (PDL)
It’s recommended that you get a higher coverage limit. Florida car insurance requirements are lower than average. Therefore, it would be best to buy a higher coverage limit, such as 50/100/50.
Port St. Lucie, FL auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.
Your coverage level will play a major role in your Port St. Lucie auto insurance rates. Find the cheapest Port St. Lucie, FL auto insurance rates by coverage level below:
Your credit score will play a major role in your Port St. Lucie auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Port St. Lucie, FL auto insurance rates by credit score below.
Your driving record will play a major role in your Port St. Lucie auto insurance rates. For example, other factors aside, a Port St. Lucie, FL DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Port St. Lucie, FL auto insurance rates by driving record.
Factors affecting auto insurance rates in Port St. Lucie, FL may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Port St. Lucie, Florida auto insurance.
These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. {STATE} does {not} use gender, so check out the average monthly auto insurance rates by age and gender in Port St. Lucie, FL.
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What affects auto insurance rates in Port St. Lucie, FL?
Your daily commute to work and your city’s vehicle theft rate can determine your auto insurance cost.
According to FBI statistics, the city of Port St. Lucie had 81 car thefts. That’s much less than cities like Miami and Orlando.
According to City-Data, it takes 29 minutes for the average driver to get work in Port St. Lucie, Florida.
Port St. Lucie, FL Auto Insurance: The Bottom Line
You can obtain the cheapest auto insurance in Port St. Lucie, Florida, by keeping a clean driving record. Your vehicle’s safety and anti-theft features can result in big savings as well.
Before you buy car insurance in Port St. Lucie, Florida, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Port St. Lucie, FL auto insurance quotes.
Frequently Asked Questions
What is Port St. Lucie, FL auto insurance?
Port St. Lucie, FL auto insurance refers to the insurance coverage required for vehicles registered and operated in Port St. Lucie, Florida. It provides financial protection in case of accidents, damage, theft, or other covered events involving your vehicle.
What types of auto insurance coverage are available in Port St. Lucie, FL?
The common types of auto insurance coverage available in Port St. Lucie, FL include liability coverage, which is mandatory and covers injuries and property damage to others, as well as optional coverages like collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage.
Is auto insurance mandatory in Port St. Lucie, FL?
Yes, auto insurance is mandatory in Port St. Lucie, FL, as it is in the rest of Florida. The state requires drivers to carry a minimum amount of liability coverage to protect against financial responsibility for injuries or property damage caused by an accident.
What are the minimum liability insurance requirements in Port St. Lucie, FL?
The minimum liability insurance requirements in Port St. Lucie, FL are as follows:
- $10,000 bodily injury liability per person
- $20,000 bodily injury liability per accident
- $10,000 property damage liability per accident
Can I purchase additional auto insurance coverage in Port St. Lucie, FL?
Yes, you can purchase additional auto insurance coverage beyond the minimum requirements in Port St. Lucie, FL. Optional coverages like collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage can provide enhanced protection for your vehicle and yourself.
How can I find the best auto insurance in Port St. Lucie, FL?
To find the best auto insurance in Port St. Lucie, FL, consider these steps:
- Shop around and compare quotes from multiple insurance companies.
- Assess the coverage options, limits, and deductibles offered by each insurer.
- Check the financial stability and reputation of the insurance companies.
- Read customer reviews and ratings to evaluate their customer service.
- Take into account any discounts or special features that may be available.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
