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Port St. Lucie, FL Car Insurance

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How Much Does Car Insurance Cost in Port St. Lucie?

Port St. Lucie has an average of $2, 375 car insurance rate per year. It is a little bit higher than the state’s average rate of $2,297 and the nation’s average of $1,541. However, every driver acquires modified car insurance rates according to their unique driver profile. Different factors are evaluated by insurers when calculating your car insurance quote. Your marital status, driving history, credit tier, age, and location are the most common aspects that influence your annual car insurance cost in Port St. Lucie. 

If you wish to save on your car insurance in Port St. Lucie, then it is best to closely compare the rates of different companies. Closely evaluate your location, age, driving history, credit tier, and marital status and compare car insurance prices from different companies. It will greatly help in identifying the one that best fits your driving status

Port St. Lucie Car Insurance Costs by Company

Every car insurance company in Port St. Lucie has different policies and rates. State Farm offers the cheapest car insurance in Port St. Lucie with an average rate of $1,582 annually. If you maintain a clean driving history, it is likely for your car insurance rates to cling on the average scale.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,582$132
GEICO$2,277$190
MetLife$2,301$192
Progressive$2,662$222
Allstate$3,139$262

Florida Cheapest Car Insurance Rates For Minimum Coverage

If you are looking for an insurance company in Florida that offers the cheapest car insurance cost, there are several companies that provide minimum car insurance coverage at a competitive price. State Farm by far offers the best deal when it comes to purchasing car insurance with minimum coverage.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,528$211
GEICO$3,206$267
Direct Auto$3,266$272
Allstate$3,911$326
MetLife$5,222$435

Port St. Lucie Auto Insurance Rates by Age Bracket

The driver’s age is another aspect that influences car insurance rates in Port St. Lucie. Drivers in Port St. Lucie with 50 and above pay cheaper auto insurance premiums in contrast to other age groups. Teenagers, however, pay the most for car insurance in Port St. Lucie. On a brighter note, when teens reach the age of 20, a substantial decrease in their premiums will immediately reflect.

Port St. Lucie Car Insurance Rates Per Age Group

Age GroupAnnual RateMonthly Rate
Teenagers$6,633$553
20s$3,011$251
30s$2,366$197
40s$2,328$194
50s$2,179$182
60s$2,231$186
70s$2,716$226

Florida Cheapest Full Coverage Insurance Rates For Young Drivers With Clean Driving History

In Florida, teen drivers are considered high-risk drivers. They pay the most expensive car insurance rates in Florida in contrast to other ages. But, if you are a young driver without any driving violation, several auto insurance companies in Florida offer cheaper premiums.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,001$167
GEICO$2,487$207
MetLife$2,877$240
Allstate$3,922$327
Direct Auto$3,201$267

Port St. Lucie Car Insurance Premiums By Gender and Marital Status

The driver’s marital status and gender are other factors that influence car insurance rates in Port St. Lucie. Many married couples and widowed drivers in Port St. Lucie pay cheaper rates compared to single drivers. While married couples are considered responsible drivers compared to single drivers, their gender also affects their overall auto insurance premiums. Male drivers in Port St. Lucie are considered skillful drivers. Thus, female drivers pay more than males for car insurance in Port St. Lucie.

Port St. Lucie Car Insurance Premiums by Marital Status and Gender

Marital Status/GenderAnnual RateMonthly Rate
Male$2,376$198
Female$2,444$204
Single$2,299$192
Married$2,299$192
Divorced$2,376$198
Widowed$2,337$198

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Florida Cheapest Car Insurance Rates For Married Couples

As was mentioned, married couples carry cheaper car insurance rates in Florida. Married couples are considered financially stable and low-risk drivers. Thus, they are given cheaper car insurance rates in Florida in contrast to other marital statuses. MetLife by far offers the cheapest auto insurance rates for married couples.

Insurance CompanyAnnual RateMonthly Rate
MetLife$2,374$198
State Farm$2,721$227
GEICO$3,022$252
Direct Auto$3,233$269
Allstate$3,333$278

Port St. Lucie Auto Insurance Rates After an Accident or Violation

Having a clean driving history can substantially help in minimizing your Port St. Lucie car insurance costs. One at-fault accident can drive your premiums to increase substantially. Moreover, acquiring speeding tickets, and reckless driving citations are also considered serious offenses. Thus, maintaining a good driving record in Port St. Lucie will keep your premiums low and close to the average of $2,375 per year.

Port St. Lucie Car Insurance Rates For High-Risk Drivers

Driving ViolationAnnual RateMonthly Rate
DUI/DWI$3,555$296
Reckless Driving$3,663$305
At-Fault Accident (less than $1000 damages)$3,265$272
At-Fault Accident (more than $1000 damages)$3,265$272
Speeding Ticket$2,998$250

Florida Average Auto Insurance Costs With One At-Fault Accident

Car insurance rates in Florida typically increase after one at-fault accident. The amount of increase depends on the number of damages caused by the at-fault driver. However, there are car insurance companies around Florida that offer less expensive car insurance premiums to high-risk drivers.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,033$169
GEICO$2,821$239
MetLife$3,237$270
Direct Auto$3,411$284
Allstate$3,962$330

Florida Average Car Insurance Rate After A Ticket

Getting a speeding ticket is a serious road safety offense in Florida. Thus, drivers will pay typically more on their auto insurance premiums after a ticket. However, some insurance companies around the state provide cheap car insurance premiums to reckless drivers in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,902$159
GEICO$2,955$246
MetLife$2,721$227
Direct Auto$3,163$264
Allstate$2,811$234

Port St. Lucie Auto Insurance Rates by Credit Tier

Your credit tier is another factor Port St. Lucie auto insurance companies look at when quoting your car insurance rates. Building your credit from Very Poor to Exceptional will give you savings up to 59% annually on your car insurance rates. Therefore, keeping a good credit score is one way for your rates to stay on the average in Port St. Lucie.

Port St. Lucie Car Insurance Premiums by Credit Tier

Credit LevelAnnual RateMonthly Rate
Very Poor$4,701$392
Fair$2,916$243
Good$2,277$190
Very Good$2,151$179
Exceptional$1,901$158

Florida Average Car Insurance Rates by Poor Credit with Minimum Coverage

Several car insurance companies in Florida provide cheap premiums for drivers with poor credit who purchase minimum coverage policies. State Farm offers the cheapest car insurance rates with minimum coverage in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,989$166
GEICO$1,955$163
United Auto$2,671$223
Direct Auto$1,298$108
Allstate$2,244$187

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Florida Average Car Insurance Rates For Good Drivers With Poor Credit

Your credit score is one of the aspects that impact your car insurance rates in Florida. Having a poor credit score can increase your car insurance premiums. However, if you are a good driver with poor credit, there are several car insurance companies in Florida that offer cheap coverage despite the poor credit tier.

Insurance CompanyAnnual RateMonthly Rate
Direct Auto$2,528$211
United Auto$3,206$267
State Farm$3,266$272
GEICO$3,911$326
Allstate$5,222$435

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Port St. Lucie Car Insurance FAQs

  • What will happen if I have been in a car crash in Port St. Lucie and the at-fault driver does not have comprehensive insurance coverage?

    Most car insurance policies have a provision for under-insured and uninsured motorists. It is ideal to contact your agent for you to know your condition.

  • Is it ideal to accept the first compensation value they give me?

    No. it is best to ask for a second opinion to earn an adequate amount for your claim.

  • Do I need to tell my insurance provider in Port St. Lucie about truly what happened?

    Yes. If you falsify your statements, your claim can be denied.

  • When is the ideal time for me to provide my written or recorded statement regarding what happened during the collision in Port St. Lucie?

    It is crucial for you to thoroughly understand your policy before giving a statement. You can’t afford to give out information that might compromise your claim.

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