Table of contents
How much is car insurance in Fort Pierce?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $14 a month cheaper to insure your vehicle in Fort Pierce than it is in the rest of Florida.
On the flip side, residents of Fort Pierce might expect to pay higher rates for coverage than the rest of the country. The cost of auto coverage in Fort Pierce is about $28 more expensive than the national average.
Although these are the average car insurance rates in Fort Pierce, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
We've done the heavy lifting for you and broken down the average rate for Fort Pierce so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may start to rise again in Fort Pierce.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for auto insurance coverage, in Fort Pierce men actually pay $101 per month for coverage while women pay $115.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Fort Pierce, having a single accident on your record will usually get you rates around $156 a month. In addition, drivers with a single ticket on their record can expect to pay around $145 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$97|
|15 Years or Older||$100|
The most affordable vehicles to insure in Fort Pierce are typically trucks and vans, which run about $88 per month.
SUV drivers will see rates of about $106, while the rates for car owners average out to about $111 per month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. In Fort Pierce, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$110|
More often than not, married policyholders will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
In Fort Pierce, the difference in rates based on relationship status can be as much as $4 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$100|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $32 a month more than those who own their own home in Fort Pierce. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Fort Pierce, FL
Recent trends in car insurance for Fort Pierce drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
In Fort Pierce, the rates for auto insurance went up from 2016-2018, but began to turn downward in 2019. This pattern has continued through 2021 when rates have most recently hit $86 a month.
How does Fort Pierce compare to neighboring areas?
Why are car insurance rates in Fort Pierce different from other areas?
Car insurance companies take in a number of factors when figuring out how much individual insurance policies will cost. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Off-street parking accessibility
- Total drivers
- Rate of car accidents
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Fort Pierce?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies that offer plans in Fort Pierce.
Fort Pierce Insurance FAQs
What factors affect car insurance quotes in Fort Pierce?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Fort Pierce different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Fort Pierce?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Fort Pierce?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Fort Pierce or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.