Best Auto Insurance Rates in Port St. Lucie, FL

On average your neighbors pay $98 a month.

Compare Auto Insurance in Port St. Lucie

Home to PGA Tour Events, and the New York Mets spring training, Port St. Lucie is a great place for sports. But, do you know about all the celebrities that have once called Port St. Lucie home? Among them, Megan Fox, Larry Sanders, Garth Brooks and Trisha Yearwood, and many more athletes have all lived in Port St. Lucie. So, it makes sense that Port St. Lucie drivers should spend less on car insurance.

Average Port St. Lucie Car Insurance Rates

How much is car insurance in Port St. Lucie, FL? The average cost of car insurance in Port St. Lucie is higher than both the state and national average. The average cost of auto insurance in Florida is $1,185.25 per year. The national average price is $889.01.

Prices may vary depending on your driving history, coverage, and the number of insurance claims filed in your zip code.

Florida Average Annual Car Insurance Rates
Coverage Rates
Liability $857.64
Collision $282.96
Comprehensive $116.53
Total Cost Per Year $1,185.25
Price Per Month $98.77
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Florida's insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Florida car insurance rates increased from $1,090 in 2011 to $1,140 in 2015, a jump of $94, or 8.68 percent.

Florida average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Port St. Lucie, Florida and save up to 40% on your premium.

Last year, 5,055 people used QuoteWizard to get an auto insurance quote comparison in Port St. Lucie, FL from multiple companies and get the cheapest rates.

Best Car Insurance Companies in Port St. Lucie, FL

These are the most common car insurance companies reported by QuoteWizard users living in Port St. Lucie, Florida last year. Of the 5,055 people who requested quotes, only 150 were uninsured.

Top 10 Vehicles

These are the most common car makes and models owned by Port St. Lucie, FL drivers that used QuoteWizard last year.

  1. Ford F150
  2. Hyundai Sonata GLS
  3. Kia Soul
  4. Ford Mustang
  5. Honda Accord LX/EX
  6. Honda Civic EX
  7. Toyota Corolla S/LE
  8. Toyota Camry LE/XLE
  9. Nissan Altima 2.5 S
  10. Chevrolet Blazer

Minimum Auto Insurance Requirements in Port St. Lucie, FL

Port St. Lucie, Florida has a minimum coverage requirement known as the 10/20/10 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $10,000.
    The most insurance companies will pay for one person injured in a car accident. It applies only to people named on your policy.
  • Total Bodily Injury Liability: $20,000.
    The maximum your insurer will pay in total for everyone injured in a car accident. It applies to you and people not named on your policy.
  • Property Damage Liability (PIL): $10,000.
    The total your insurance company will pay for property damage caused by a car crash. This includes all physical damage such as vehicle damage and damage to road fixtures. If you hit a telephone pole or road sign, you’re covered.

Port St. Lucie Drivers

A report published by Allstate Insurance ranked Port St. Lucie, Florida fifth out of 200 cities for safe driving. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 12.7 years.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence your insurance rates.


Port St. Lucie, FL enjoys a sub-tropical climate. On average, residents can expect 225 sunny days and around 108 days with any measurable precipitation in a year. Port St. Lucie receives an average of 52 inches of rain a year and it virtually never experiences snow.

Road Conditions

TRIP reports that 32 percent of the Florida coast’s major roads have pavement conditions rated as poor or mediocre. These road conditions costs drivers $307 a year in extra vehicle operating costs, on average. These costs are a direct result of driving on rough roads that damage cars and waste gas because of delays due to congestion. They’re also a factor in car accidents.

Traffic Congestion

Traffic data provider Inrix reported that the Palm Coast-Daytona Beach-Port Orange area resident commuters were delayed 20 hours annually. These delays cost area commuters an average of $471 per commuter in congestion costs.

Moving Violations

Moving violations like speeding tickets, accidents, and drunk driving can give you a bad driving record and raise your rates.

Traffic Tickets

The Port St. Lucie Police Department website allows you to pay traffic citations. It also tells drivers how to plead not guilty and contest tickets. You can also sign up for driver improvement school.

In 2015, the Port St. Lucie Police Department issued 7,147 traffic citations. That’s a 33% decrease from the 10,825 traffic citations issued in 2014. 

Port St. Lucie DUIs

Getting a DUI can cause all kinds of problems, especially increasing your rates. After your rates go up, legal and financial woes can stick around for months. Brevard County Sheriff’s office provides DUI data and updates via its website.  At the end of the day, a DUI can typically cost between $10,000 and $15,000.

SR-22 and FR-44 DUI Insurance

A DUI conviction may require you to obtain an SR-22 or FR-44 form. Request a quote and we'll will connect you with multiple companies that specialize in Port St. Lucie DUI insurance.

Car Accident Statistics

Port St. Lucie Police recorded 2,118 motor vehicle crashes in 2016 resulting in 1,389 injuries. This is a slight decrease from the 1,985 car accidents reported in 2015.

Traffic Fatalities

Port St. Lucie Police reported nine fatal car crashes in 2016. This was an improvement over the thirteen fatalities in 2015.

Vehicle Theft Rates

Port St. Lucie reported 85 vehicle thefts in 2016. This is a rate of 0.47 thefts per 1,000 residents. That's a fraction of the rate for the US as a whole—2.20 per 1,000 people. With an estimated population of 185,132, this is an extremely low rate.

Car Insurance Discounts

If you want to find low-cost car insurance, discounts are one of the best ways to lower your rates. Below are only some of the car insurance discounts available to drivers in Port St. Lucie, FL.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 20% off your premium
  2. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  3. Keep your driving record clean with no tickets or accidents and you may qualify for the safe driver discount
  4. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  5. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  6. Live in a safe Port St. Lucie neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.