Best Cheap Auto Insurance in Port St. Lucie, FL (2021)

The average Port St. Lucie, FL auto insurance rates are $378 per month. The minimum auto insurance in Port St. Lucie is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Port St. Lucie, Florida, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Things to Remember

  • The most expensive auto insurance company in Port St. Lucie for teen drivers is Allstate
  • Average auto insurance rates in Port St. Lucie, FL for senior drivers are $2,772 per year
  • The minimum auto insurance required in Port St. Lucie, Florida is 10/20/10

Port St. Lucie, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Port St. Lucie can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Port St. Lucie, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Port St. Lucie to other Florida cities, including St. Petersburg auto insurance rates, Tallahassee auto insurance rates, and Port St. Lucie auto insurance rates to see how Port St. Lucie, Florida auto insurance rates stack up.

Before you buy Port St. Lucie, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Port St. Lucie, Florida auto insurance quotes.

Minimum Auto Insurance in Port St. Lucie, Florida

Port St. Lucie, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Port St. Lucie, Florida.

Minimum Required Auto Insurance Coverage in Port St. Lucie, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Port St. Lucie, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Port St. Lucie, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Port St. Lucie, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,508 $4,292 $3,944 $3,987 $15,038 $16,249 $4,424 $4,459
GEICO $3,314 $3,325 $3,097 $3,097 $5,886 $7,293 $3,644 $3,673
Liberty Mutual $3,614 $3,614 $3,308 $3,308 $7,662 $11,817 $3,614 $4,911
Nationwide $2,855 $2,819 $2,553 $2,640 $6,784 $8,345 $3,139 $3,265
Progressive $3,569 $3,368 $3,073 $3,280 $10,104 $10,989 $4,305 $4,081
State Farm $1,975 $1,975 $1,801 $1,801 $5,710 $7,262 $2,192 $2,337
USAA $1,562 $1,534 $1,468 $1,453 $5,358 $6,189 $1,944 $2,094

Cheap Port St. Lucie, Florida Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Port St. Lucie, Florida is a challenge. Take a look at the annual teen auto insurance rates in Port St. Lucie, Florida.

Annual Auto Insurance Rates for Teen Drivers in Port St. Lucie, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $15,038 $16,249
GEICO $5,886 $7,293
Liberty Mutual $7,662 $11,817
Nationwide $6,784 $8,345
Progressive $10,104 $10,989
State Farm $5,710 $7,262
USAA $5,358 $6,189

Cheap Port St. Lucie, Florida Auto Insurance for Seniors

What are senior auto insurance rates in Port St. Lucie, Florida? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Port St. Lucie, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,944 $3,987
GEICO $3,097 $3,097
Liberty Mutual $3,308 $3,308
Nationwide $2,553 $2,640
Progressive $3,073 $3,280
State Farm $1,801 $1,801
USAA $1,468 $1,453

Cheap Port St. Lucie, Florida Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Port St. Lucie, Florida compared to the annual auto insurance rates with a clean record in Port St. Lucie, Florida.

Annual Port St. Lucie, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,155 $7,362 $8,123 $6,811
GEICO $2,883 $3,702 $5,541 $4,538
Liberty Mutual $3,734 $4,887 $7,155 $5,148
Nationwide $3,464 $3,797 $5,097 $3,842
Progressive $4,210 $6,249 $5,262 $5,664
State Farm $2,864 $3,400 $3,132 $3,132
USAA $2,115 $2,611 $3,857 $2,217

Cheap Port St. Lucie, Florida Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Port St. Lucie, Florida is not easy. Compare the annual rates for DUI auto insurance in Port St. Lucie, Florida to find the best deal.

Annual Auto Insurance Rates After a DUI in Port St. Lucie, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $8,123
GEICO $5,541
Liberty Mutual $7,155
Nationwide $5,097
Progressive $5,262
State Farm $3,132
USAA $3,857

Cheap Port St. Lucie, Florida Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Port St. Lucie, Florida annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Port St. Lucie, Florida

Insurance Company Poor Fair Good
Allstate $10,012 $6,275 $5,051
GEICO $6,086 $3,668 $2,745
Liberty Mutual $6,747 $4,944 $4,002
Nationwide $5,066 $3,720 $3,364
Progressive $6,966 $4,946 $4,127
State Farm $4,281 $2,809 $2,305
USAA $4,371 $2,158 $1,572

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Cheap Port St. Lucie, Florida Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Port St. Lucie, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Port St. Lucie, Florida to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Port St. Lucie, Florida

ZIP Code Average Annual Rates
34952 $3,512
34953 $3,527
34983 $3,512
34984 $3,527
34986 $3,403
34987 $3,403

Cheap Port St. Lucie, Florida Auto Insurance Rates By Commute

Commute length and annual mileage affect Port St. Lucie, Florida auto insurance. Find the cheapest annual Port St. Lucie, Florida auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Port St. Lucie, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,908 $7,317
GEICO $4,146 $4,186
Liberty Mutual $5,061 $5,401
Nationwide $4,050 $4,050
Progressive $5,346 $5,346
State Farm $3,025 $3,238
USAA $2,670 $2,731

Cheap Port St. Lucie, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Port St. Lucie, Florida? Check out the comparison of annual Port St. Lucie, Florida auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Port St. Lucie, Florida

Insurance Company Low Medium High
Allstate $5,351 $7,505 $8,482
GEICO $3,356 $4,315 $4,827
Liberty Mutual $4,785 $5,317 $5,591
Nationwide $3,135 $4,222 $4,793
Progressive $4,396 $5,480 $6,162
State Farm $2,634 $3,211 $3,550
USAA $2,268 $2,813 $3,020

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Best By Category: Cheapest Auto Insurance in Port St. Lucie, Florida

Compare the cheapest auto insurance companies in Port St. Lucie, Florida in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Port St. Lucie, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Port St. Lucie, Florida Auto Insurance Companies

What auto insurance companies in Port St. Lucie, Florida are the cheapest? Compare the top Port St. Lucie, Florida auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Port St. Lucie, Florida

Insurance Company Average Annual Rates
Allstate $7,113
GEICO $4,166
Liberty Mutual $5,231
Nationwide $4,050
Progressive $5,346
State Farm $3,132
USAA $2,700

What affects auto insurance rates in Port St. Lucie, Florida?

There are a lot of reasons why auto insurance rates in Port St. Lucie, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Port St. Lucie, Florida. Many local factors may affect your Port St. Lucie auto insurance rates.

Port St. Lucie Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Port St. Lucie, Florida auto theft statistics, there have been 72 auto thefts in the city.

Port St. Lucie Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Port St. Lucie, Florida commute length is 28.8 minutes according to City-Data.

Port St. Lucie Traffic

How does Port St. Lucie, Florida rank for traffic? According to Inrix Port St. Lucie, Florida is the 761st most congested worldwide.

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Compare Port St. Lucie, Florida Auto Insurance Quotes

Before you buy Port St. Lucie, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Port St. Lucie, Florida auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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