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How much is car insurance in Port Saint Lucie?
|Area||Average Monthly Car Insurance Premium|
|Port Saint Lucie||$123|
According to the chart above, the rates you'll pay for coverage in Port Saint Lucie are about the same as what you would pay anywhere else in Florida.
Residents of Port Saint Lucie might expect to pay higher rates for coverage than the rest of the country. You can expect to pay about $43 more for your policy in Port Saint Lucie.
These rates may be the average amount residents of Port Saint Lucie pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
Don't sweat it however, we've broken down the average rate for Port Saint Lucie residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Port Saint Lucie Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay $68 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates begin to go back up in Port Saint Lucie.
Port Saint Lucie Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Port Saint Lucie, the difference comes out to about $17 per month. As you can see in the table above, female drivers in the area typically pay $114 on average, while female drivers typically pay $131 each month.
Port Saint Lucie Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Port Saint Lucie with one accident will pay around $184 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $148.
Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Port Saint Lucie Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$144|
|15 Years or Older||$140|
According to the first table above, the cheapest vehicles to insure in Port Saint Lucie are usually trucks and vans, at $115 per month.
Car owners can expect to pay an average of around $121 a month for their policy, while SUVs usually cost around $134 a month to insure.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Port Saint Lucie, vehicles less than one year old are the most expensive to insure.
Port Saint Lucie Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$130|
Generally speaking, those who have settled down into marriage will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Port Saint Lucie is no exception, with the difference totaling to around $26 a month.
Port Saint Lucie Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$151|
Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $29 a month more than homeowners in Port Saint Lucie. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Port Saint Lucie, FL
Recent trends in car insurance for Port Saint Lucie 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.
In Port Saint Lucie, the rates for auto insurance had been decreasing from 2017-2019, before rising from 2020-2021. They finished down in 2022 at $105.
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 look at many factors when they're deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Access to off-street parking
- Regional regulations
- Number of car accidents
- Total number of drivers in the community
- Area crime rates
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Port Saint Lucie?
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.
Good news! Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies that offer auto coverage in Port Saint Lucie.
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Port Saint Lucie Auto Insurance FAQs
What factors affect car insurance quotes in Port Saint Lucie?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, credit score, driving record, and marital status.
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 local laws, crime rates, and parking situations 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?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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?
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.
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