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How much is car insurance in Fort Pierce?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Fort Pierce are about $12 a month cheaper than in the rest of Florida.
Conversely, Fort Pierce residents should prepare to pay higher rates for coverage than the rest of the country. It's around $31 more expensive to insure your vehicle in Fort Pierce compared to the average rate for the rest of the U.S.
These rates may be the average amount Fort Pierce drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Fort Pierce residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Fort Pierce 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. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may begin to increase again in Fort Pierce.
Fort Pierce Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for auto insurance, Fort Pierce actually goes against the grain. While female drivers pay $119 per month for car insurance, males only pay about $102.
Fort Pierce Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Fort Pierce, having a single accident on your record will usually get you rates around $160 a month. In addition, drivers with one ticket can expect to pay around $113 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Fort Pierce Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$110|
|15 Years or Older||$107|
The most affordable vehicles to insure in Fort Pierce are usually trucks and vans, which run about $88 per month.
Car owners, on the other hand, typically pay around $117 a month, while SUV drivers can expect to pay about $109 per month for insurance coverage.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. The most expensive vehicles to insure in Fort Pierce are vehicles eleven-to-fourteen years old.
Fort Pierce Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$114|
Generally speaking, those who have settled down into marriage will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Fort Pierce is no exception, with the difference totaling to around $10 a month.
Fort Pierce Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
One other element taken into consideration is your housing status. In Fort Pierce, homeowners can expect to pay around $16 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Fort Pierce, FL
Recent trends in car insurance for Fort Pierce drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for car insurance in Fort Pierce went up from 2017-2018, but decreased until 2020, when they hit a low of $101. Insurance rates finished down in 2022, at $95 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 numerous factors when deciding how much individual insurance policies will cost. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Area laws
- Number of drivers in the community
- Regional crime rates
- Road safety
- Off-street parking access
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Fort Pierce?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Fort Pierce.
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Fort Pierce Auto 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 you can't control like your gender and age but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Fort Pierce different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Fort Pierce?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Fort Pierce or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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