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

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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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: Aug 4, 2021

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Things to Remember

  • 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.

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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.

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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.

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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:

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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.

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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.

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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.

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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.

Free Auto Insurance Comparison

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

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Monthly Port St. Lucie, FL Auto Insurance Rates by ZIP Code
Port St. Lucie, FL Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Monthly Port St. Lucie, FL Auto Insurance Rates by ZIP Code
Port St. Lucie, FL Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Port St. Lucie, FL Auto Insurance Rates by Company vs. City Average
Port St. Lucie, FL Auto Insurance Rates by Company and Age
The Cheapest Port St. Lucie, FL Auto Insurance Rates by Coverage Level
The Cheapest Port St. Lucie, FL Auto Insurance Rates by Credit Score
The Cheapest Port St. Lucie, FL Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Port St. Lucie, FL
Average Monthly Auto Insurance Rates by Age & Gender in Port St. Lucie, FL
Port St. Lucie, FL Auto Insurance Rates by Company vs. City Average
Port St. Lucie, FL Auto Insurance Rates by Company and Age
The Cheapest Port St. Lucie, FL Auto Insurance Rates by Coverage Level
The Cheapest Port St. Lucie, FL Auto Insurance Rates by Credit Score
The Cheapest Port St. Lucie, FL Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Port St. Lucie, FL
Average Monthly Auto Insurance Rates by Age & Gender in Port St. Lucie, FL