Fort Pierce, FL Car Insurance

How do rates in Fort Pierce measure up compared to neighboring areas, including Florida as a whole? How much can residents of Fort Pierce expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Fort Pierce?

As you can see in the chart above, it is around $11 a month cheaper to insure your vehicle in Fort Pierce than it is in the rest of Florida.

On the other hand, the expected monthly payments for an auto insurance policy in Fort Pierce are above the national average. Coverage in Fort Pierce is about $31 more expensive than it is for the rest of the U.S.

While these are the average costs to insure your vehicle in Fort Pierce, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've analyzed the average rate for Fort Pierce and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

Average Car Insurance Rates by Age

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may creep back up a bit in Fort Pierce.

Average Car Insurance Rates by Gender

Although women typically pay less than men do for auto insurance, this is not the case in Fort Pierce, where female drivers pay around $18 more a month.

Average Auto Insurance Rates by Driving Record

Your driving record can have a huge impact on your car insurance rates. Those with clean records can expect to pay less than those with infractions. In Fort Pierce, a driving record with one accident will usually get you a rate around $162 a month. Likewise, drivers with one ticket will be looking at a rate of around $113 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

If you look at the first table above, the cheapest vehicles to insure in Fort Pierce are usually trucks and vans, at $88 per month.

Car owners, on the other hand, typically pay around $117 per month, while SUV drivers can expect to pay about $111 a month for insurance coverage.

Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is around 5 years old. In Fort Pierce, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Generally speaking, married policyholders will pay slightly less for auto insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Fort Pierce is about $12 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $19 a month more than if you own your own home in Fort Pierce. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Fort Pierce, FL

Recent trends in car insurance for Fort Pierce drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

Car insurance rates in Fort Pierce increased from 2017-2018, but leveled out in 2019. They decreased until 2020, when they reached a low of $101, and finished down in 2022, at $93 per month.

How does Fort Pierce compare to neighboring areas?

Why are car insurance rates in Fort Pierce different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

• Local regulations
• Crime rates
• Road Safety (total number of local car accidents)
• Availability of off-street parking
• Number of drivers in the community

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing 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 particular neighborhood.

How can I find the cheapest car insurance in Fort Pierce?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But hold on! Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in Fort Pierce.

Fort Pierce Insurance FAQs

What factors affect car insurance quotes in Fort Pierce?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your marital status, credit score, address, and driving record.

Why is the cost of car insurance in Fort Pierce different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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 relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Fort Pierce or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?