Port St. Lucie Car Insurance

The Zebra
May 30, 2018

Car Insurance in Port St. Lucie

Port St. Lucie has premiums that are relatively equivalent to the state average, as they are within $44 of one another. Let’s go over some ways to save on car insurance in Port St. Lucie.

  • City Average: $1,922
  • State Average: $1,878
  • National Average: $1,427

Port St. Lucie Car Insurance by Gender and Marital Status

In Port St. Lucie, both marital status and gender influence your car insurance premiums. Premiums are more costly for women than for men. Women normally pay $47 more than men each year for insurance. Rates for those who are widowed are marginally cheaper than rates for those who are single. Single individuals spend 4% more per year on car insurance compared to those who are married.

  • Female: $1,969
  • Male: $1,922
  • Single: $1,922
  • Married: $1,848
  • Divorced: $1,922
  • Widowed: $1,884

Port St. Lucie Car Insurance by Accident or Violation History

Having a clean driving record is vital if you want to keep the price of rates minimal. $1,041 is the extra cost per year for drivers with a DUI in Port St. Lucie, compared to the city average of $1,922. Reckless driving will also bump your premiums up, with average rates of $2,937! Many people are lenient about obeying speed limits, but getting pulled over for driving 16-20mph over the limit increases your car insurance rates by a sizeable 30%.

  • DUI: $2,963
  • Reckless Driving: $2,937
  • At-fault Accident (damages less than $1000): $2,636
  • At-fault Accident (damages greater than $2000): $2,636
  • Speeding Ticket (16-20 mph over speed limit): $2,504

Port St. Lucie Car Insurance by Age

The largest drop in premiums for Port St. Lucie drivers happens when they reach their 20s. Once out of the teenage age bracket, they save, on average, 53% on car insurance. When drivers turn 60, they will experience a car insurance premium increase related to their age for the first time. Among all age groups, drivers in their 50s have the lowest car insurance payments, with rates of $1,757/year. People in their 60s ($1,791) aren’t paying much more. Car insurance premiums are highest for teenage drivers, with typical payments of $5,291 per year.

  • Teenagers: $5,291
  • 20s: $2,498
  • 30s: $1,913
  • 40s: $1,875
  • 50s: $1,757
  • 60s: $1,791
  • 70s: $2,167

Ready to start saving?

Port St. Lucie Car Insurance by Credit Rating

Improving your credit can save you a sizable amount of money. Those in the bottom credit tier (300-579) pay an average of more than twice as much for car insurance than those in the top credit tier (800-850). Drivers will see the largest percent drop in premiums when they raise their credit from Fair (580-669) to Good (670-739). That change can save them 19% per year.

  • Very Poor: $3,718
  • Fair: $3,041
  • Good: $2,469
  • Very Good: $2,016
  • Exceptional: $1,683

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