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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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

Car insurance costs an average of $1,193 for six months in Port St. Lucie. That's pricier than the Florida average ($1,154) and more expensive than the national average of $880. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Port St. Lucie. Read on to learn more!



Car insurance in Port St. Lucie vs. Florida Average 6 Mo. Premium
Port St. Lucie average $1,193
Florida average $1,154

The Zebra's key takeaways about car insurance in Port St. Lucie:

  • The average cost of a car insurance policy in Port St. Lucie is $1,193 per six-month policy — $198 per month.
  • The cheapest company in Port St. Lucie is State Farm ($798).
  • 47% of Zebra customers in Port St. Lucie stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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Port St. Lucie car insurance rates by company

One of the best ways to save on auto insurance is to compare rates from multiple companies and 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 see quotes specific to your unique driving profile.

Cheapest car insurance companies in Port St. Lucie, FL
Company Avg. 6 Mo. Premium
State Farm $798
GEICO $1,149
Progressive $1,335
Allstate $1,578
State Farm $798

The Zebra’s auto insurance data methodology

The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.

Shop around for the best rates

The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Port St. Lucie.

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Port St. Lucie auto insurance rates by age

Our data shows that drivers between the ages of 20-29 make up 36% of Port St. Lucie drivers. The best age for car insurance rates as a driver in Port St. Lucie is your 50s: drivers in this age group pay an average of $745 per six months. Drivers in their 60s pay marginally higher rates — $771 every six months.

Teenage drivers pay Port St. Lucie's most expensive insurance rates. One of the most effective ways to lower your car insurance rates as a driver in this city is to age out of your teens. The difference in rates paid by teenage drivers and drivers in their 20s in Por St. Lucie is $4,609, the largest such difference between any two age groups.

Port St. Lucie auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $3,321
20s $1,511
30s $1,188
40s $1,165
50s $1,097
60s $1,121
70s $1,364

Port St. Lucie car insurance rates by credit score

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 $896 decrease in six-month car insurance rates. Our data tells us 30% of drivers in Port St. Lucie have a credit score of average (580-679). 

credit score
Port St. Lucie auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $2,359
Fair $1,463
Good $1,193
Very Good $1,080
Exceptional $959

Port St. Lucie car insurance rates by violation

Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs and DWIs, 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.

Port St. Lucie auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DUI/DWI $1,781
Reckless Driving $1,836
At-fault Accident (damages less than $1,000) $1,638
At-fault Accident (damages > $2,000) $1,638
Speeding Ticket (16-20 mph over speed limit) $1,501

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.