Port Saint Lucie, FL Car Insurance

On average, Port Saint Lucie drivers pay a monthly average rate of around $123 for their car insurance. To find out more check out our guide below.
Map of cities where drivers can find cheaper car insurance
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What can Port Saint Lucie residents expect to pay for their car insurance? Are rates in Port Saint Lucie higher or lower than those in neighboring areas? How do they compare to the rest of Florida? Find the average cost breakdowns and determining factors in the charts and writeups below:

How much is car insurance in Port Saint Lucie?

Area Average Monthly Car Insurance Premium
Port Saint Lucie$123
FL$123
United States$81

Looking at the chart above, you can see that the average monthly price is about the same in Port Saint Lucie as it is in the rest of Florida.

Port Saint Lucie residents will likely pay higher rates for their insurance policy than the rest of the country. Coverage in Port Saint Lucie is about $42 more expensive than it is for the rest of the U.S.

These may be the average auto insurance rates for Port Saint Lucie, 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 to insure your vehicle. 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 premium.

Don't sweat it however, we've broken down average rates for Port Saint Lucie residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$168
25-34$130
35-44$101
45-54Not Enough Data
55-64$89
65+$96

The older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Port Saint Lucie drivers may see their rates rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$130
Female$114

On average, female drivers pay slightly less for car insurance than their male counterparts. This is true in Port Saint Lucie, where women pay around $16 less per month. As illustrated in the table above, female drivers in the area pay about $114 on average, while male drivers pay around $130 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$187
Multiple Accidents$147
1 Ticket$153
Multiple Tickets$275

Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Port Saint Lucie, a driving record with one accident will usually get you a rate around $187 a month. In addition, drivers with a single ticket on their record can expect to pay around $153 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$147
2-3 Years$113
4-5 Years$115
6-7 Years$120
8-10 Years$116
11-14 Years$112
15 Years or Older$140

If you look at the first table above, the cheapest vehicles to insure in Port Saint Lucie are usually trucks and vans, at $117 per month.

SUV drivers will see rates of about $135 for insurance coverage, while car owners by and large pay around $120 a month.

Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is close to 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)$131
Married$104
Divorced$101
Widowed$121

Generally speaking, those who are currently 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.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Port Saint Lucie as well, where the difference is around $27 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$103
Rent$133
Live with parents$143

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $30 a month more than drivers who own property in Port Saint Lucie. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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 costs.

Car Insurance Companies in Port Saint Lucie, FL

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.

In Port Saint Lucie, the rates for car insurance dropped from 2017-2019, when they hit a low of $112, but started to rise from 2020-2021. They finished down in 2022, at $85.

How does Port Saint Lucie compare to neighboring areas?

Why are car insurance rates in Port Saint Lucie different from other areas?

Car insurance companies take in a variety of factors when choosing how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Community laws
  • Total number of drivers
  • Crime levels
  • Off-street parking access
  • Frequency of car accidents

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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 Port Saint Lucie?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Good news! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing coverage in Port Saint Lucie.


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Port Saint Lucie Insurance FAQs

What factors affect car insurance quotes in Port Saint Lucie?

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

Why is the cost of car insurance in Port Saint Lucie 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 Port Saint Lucie?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Port Saint Lucie?

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 Port Saint Lucie 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?

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