Best cheap car insurance in Port St. Lucie


Port St. Lucie has a population of close to 198,000 and is the seventh-largest city in Florida. With a large population density and an average of 2 cars per household, Port St. Lucie drivers have higher-than-average car insurance rates. The average cost of car insurance in Port St. Lucie is $1,131 per year, while full coverage costs $2,300.

We compared the pricing, coverages, and discounts offered by different companies to find the best Port St. Lucie car insurance companies. With insurance required to drive in Florida, Port St. Lucie drivers may be able to save the most by comparing multiple quotes for car insurance.

Port St. Lucie’s best car insurance company

To determine which car insurance company is the best in Port St. Lucie, we considered the following: the cost of car insurance, the coverages available, discounts offered, and third-party rankings. J.D. We analyzed J.D. Power studies across the country and in Florida. To find the best rates, we used 2021 rate data.

State Farm

State Farm is the top-ranked insurer in Florida Region in customer satisfaction according to the J.D. Power 2021 U.S. Auto Insurance Study. State Farm offers the lowest rates for full and state coverage car insurance in Port St. Lucie, compared to other providers. State Farm offers discounts to Port St. Lucie motorists who bundle their home and auto. This can help them save up to 17%. If you have a teen driver, State Farm offers good student rewards up to 25% for a B or better GPA and up to 15% in savings for participating in the Steer Clear program.

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Geico has the lowest rates in Port St. Lucie. However, it is not as satisfied with customer service as State Farm in Florida. Geico received a lower score than average in the J.D. Power study but has an average ranking for auto claims satisfaction. When it comes to the digital experience, Geico excels, earning the #1 spot for customer service satisfaction. Geico offers competitive rates in Port St. Lucie and optional coverages that can be customized for car insurance, such as the rare mechanical breakdown insurance.


Allstate is only two points behind State Farm in Florida, where it earns the second-place spot in customer satisfaction. Allstate has an above-average score in customer satisfaction for auto claims and digital shopping. However, it falls a few short of the average digital service experience. At Allstate, Port St. Lucie drivers can find a wide range of coverages, including add-ons like sound system insurance and rideshare coverage.


Now part of the Farmers Insurance Group, MetLife Auto & Home offers average rates slightly higher than the average cost of car insurance in Port St. Lucie. You can personalize your auto insurance by adding coverages such as new car replacement or special parts coverage. You can get discounts for good drivers, multi-policy coverage and 15% off for organizations you work for or belong. MetLife was not ranked in the Florida region study, but it is fifth for satisfaction with auto claims.

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Although Progressive’s average rates may be the highest in Port St. Lucie there are many ways to lower them. Progressive offers a Name Your Price tool, which shows the best coverages in your price range. Participation in the deductible savings bank allows drivers to lower their full coverage deductibles by $50 each policy period if they don’t file a claim or receive a ticket. Drivers without a ticket or accident in the last three years save an average of 31% compared to drivers without a clean driving record.

Car insurance at Port St. Lucie is the cheapest

The cheapest car insurance in Port St. Lucie also happens to be the same as the best insurance companies offering coverage in this Florida city. The average rates for car insurance are higher than the national average cost of car insurance, which is $1,674 for full coverage annually. These top companies offer cheap car insurance. Drivers can apply for as many discounts as they qualify for, and shop around for quotes to get the best rate.

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Port St. Lucie insurance requirements

Drivers in Port St. Lucie must carry a minimum amount of liability insurance according to Florida insurance law:

  • $10,000 per person to treat bodily injuries
  • $20,000 per accident to treat bodily injury
  • Property damage: $10,000 per accident
  • $10,000 Personal Injury Protection

Although Florida’s minimum required liability is minimal, most insurance professionals recommend that you purchase as much coverage as you can afford. Higher liability limits offer greater financial protection as they pay for injuries or property damage caused by you. Lenders may require full coverage for both leased and financed vehicles.

Port St. Lucie: Car insurance discounts

  • Some insurance companies offer a discount for drivers who own a vehicle with three years of age or more.
  • Discount on defensive driving: Seniors 55 years and older can receive this discount if they successfully complete a state-approved defensive driving course.
  • Student discount: This discount is available to teens who have a minimum 3.0 GPA.
  • Multi-policy Discount: Bundling discounts can help you save money by insuring your home, car and other insurances through the same company.
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Carrier discounts vary, but Port St. Lucie residents can benefit from a variety of discounts to lower car insurance rates. Multi-policy discounts are the most popular. Multi-car discounts are also offered by insurance companies for those who insure more than one vehicle with the same carrier. Teen drivers can get multiple discounts such as good student, safe driving and driving improvement programs like State Farm’s Drive Safe and Save program.

Questions frequently asked

Which is the best auto insurance company?

The best car insurance company is one that has the right coverage at a price you can afford. You can get quotes from several companies offering the same coverages to help you choose the best Port St. Lucie car insurance company.

What is the cost of car insurance in Port St. Lucie?

Car insurance in Port St. Lucie costs an average of $,131 per year for minimum coverage and $2,000. for full coverage. Your rate may vary depending on your driving record, where you live and how many claims you have made. Your car type, coverages and eligibility for discounts can all impact the price of your premium.

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What amount of car insurance do you need in Port St. Lucie

Port St. Lucie requires you to have at least the minimum required liability limits. If you own a financed, leased or newer vehicle, you may require full coverage. Older cars drivers may only require liability insurance. This can help you to save money on your car insurance.