Port St Lucie, FL Car Insurance

How much does car insurance cost in Port St. Lucie?


Car insurance costs an average of $2,386 per year in Port St. Lucie. That's pricier than the statewide average in Florida ($2,309) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Port St. Lucie.


PORT ST. LUCIE AUTO INSURANCE PREMIUMS
Port St. Lucie Average (yearly)Florida AverageNational Average
$2,386$2,309$1,548

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Port St. Lucie auto insurance premiums by provider


One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In Port St. Lucie, State Farm offers the cheapest rates for the average insurance customer. We've gathered the best cheap car insurance companies in Port St. Lucie below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.


PORT ST. LUCIE AUTO INSURANCE PREMIUMS BY COMPANY
InsurerAverage Annual Rate
State Farm$1,596
GEICO$2,298
Progressive$2,671
Allstate$3,156

Consult our expert guide to finding the best cheap car insurance.



Port St. Lucie car insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Port St. Lucie are drivers in their age_50s, who pay an average of $2,194per year. Those in their age_60s don't pay much more ($2,242).

Teenage drivers pay Port St. Lucie's most expensive insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Port St. Lucie is to celebrate your 20th birthday. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Port St. Lucie is $3,620. That's the biggest gap in premiums between any pair of age brackets.


PORT ST. LUCIE CAR INSURANCE RATES BY DRIVER AGE
AgeAverage Annual Rate
Teenagers$6,643
20s$3,023
30s$2,377
40s$2,331
50s$2,194
60s$2,242
70s$2,728

Learn more about the impact of age on car insurance premiums.



Port St. Lucie auto insurance rates by marital status and gender


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Port St. Lucie pay $85 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Port St. Lucie, widowed drivers pay less than those who are single.

Gender is another factor that can affect auto insurance rates. In Port St. Lucie, female drivers pay more for auto insurance than do male drivers: $65 per year, to be precise.


PORT ST. LUCIE AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$2,451
Male$2,386
Single$2,301
Married$2,301
Divorced$2,386
Widowed$2,347

Read more about the relationships between gender, marital status and insurance rates.



Port St. Lucie auto insurance costs by accident and citation history


Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most costly citations to receive are DUI and reckless driving. Port St. Lucie drivers found guilty of reckless driving face insurance rate increases of $1,286 per year, compared to the citywide average. A DUI violation may lead to a $1,176 increase, while a citation for speeding leads to a $617 rate hike.


AVERAGE PORT ST. LUCIE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
ViolationAverage Yearly Rate
DUI/DWI$3,562
Reckless Driving$3,672
At-fault Accident (damages less than $1,000)$3,277
At-fault Accident (damages > $2,000)$3,277
Speeding Ticket (16-20 mph over speed limit)$3,003

Learn more about the impact of driving violations on car insurance rates.



Port St. Lucie auto insurance rates by credit level


It's no secret credit score is closely correlated with car insurance rates. Port St. Lucie drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 59% on their auto insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Port St. Lucie, improving your credit to "Fair" corresponds with a $1,793 decrease in annual car insurance rates.


PORT ST. LUCIE AUTO INSURANCE RATES BY CREDIT SCORE
Credit TierAverage Annual Rate
Very Poor$4,719
Fair$2,926
Good$2,386
Very Good$2,160
Exceptional$1,918

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.