Table of contents
How much is car insurance in Port Saint Lucie?
|Area||Average Monthly Car Insurance Premium|
|Port Saint Lucie||$120|
As you can tell by looking at the chart above, auto insurance rates in Port Saint Lucie are about the same as the rest of Florida.
Conversely, Port Saint Lucie residents will likely pay higher rates to insure their vehicle than in the rest of the country. The cost of insuring a vehicle in Port Saint Lucie is about $40 more expensive than the average rate for the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for residents of Port Saint Lucie, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've done the heavy lifting for you and broken down the average rate for Port Saint Lucie so that you can get a more accurate idea of what your policy will cost you. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
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 Port Saint Lucie.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. This rings true in Port Saint Lucie, where women pay around $5 less per month than men. As illustrated in the table above, female drivers in the area pay about $117 on average, while male drivers pay around $122 each month.
Average 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. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Port Saint Lucie, a driving record with one accident will usually get you a rate around $160 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $103.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$193|
|15 Years or Older||$128|
The cheapest vehicles to insure in Port Saint Lucie are typically SUVs, with each type typically costing about $103 per month.
Car owners, on the other hand, by and large pay around $125 a month, while truck and van drivers can expect to pay about $119 per month for auto insurance.
Your vehicle's age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. The most expensive vehicles to insure in Port Saint Lucie are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$127|
Generally speaking, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Port Saint Lucie can be as much as $20 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$151|
Your housing status is another factor that affects your monthly rate. Those who own their own home in Port Saint Lucie can expect to pay around $25 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.
Car Insurance Companies in Port Saint Lucie, FL
Recent trends in car insurance for Port Saint Lucie drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
Car insurance rates in Port Saint Lucie went up from 2016-2017, when they reached a high of $134, but began to decrease from 2018-2019. They finished down in 2021, at $102 a month.
How does Port Saint Lucie compare to neighboring areas?
Why are car insurance rates in Port Saint Lucie different from other areas?
There are a variety of factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Road Safety (frequency of car accidents)
- Availability of off-street parking
- Local regulations
- Area crime rates
- Number of drivers in the community
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Port Saint Lucie?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Port Saint Lucie.
Port Saint Lucie Insurance FAQs
What factors affect car insurance quotes in Port Saint Lucie?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, 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 Port Saint Lucie different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Port Saint Lucie?
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 Port Saint Lucie?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Port Saint Lucie or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.