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Best cheap car insurance in Port St. Lucie for 2022

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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. For state minimum coverage, the average annual cost for car insurance is $1,131 and full coverage is $2,300 per year.

To find the best car insurance companies offering coverage in Port St. Lucie, we compared pricing, coverages and discounts from various 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.

Best car insurance companies in Port St. Lucie

The criteria used to determine the best car insurance companies in Port St. Lucie include the costs for car insurance, coverages offered, available discounts and third-party rankings. We analyzed J.D. Power studies in the Florida region and across the nation and used 2021 rate data to find the best rates with some of the top carriers offering coverage in Port St. Lucie.

Insurance company J.D. Power customer satisfaction score Average annual premium for minimum coverage Average annual premium for full coverage
State Farm 848 / 1,000 $848 $1,766
Geico 823 / 1,000 $1,000 $2,362
Allstate 846 / 1,000 $1,149 $2,455
MetLife Not rated $1,320 $2,464
Progressive 822 / 1,000 $1,382 $2,430

State Farm

State Farm is the #1 insurer ranked in the Florida Region for customer satisfaction in the J.D. Power 2021 U.S. Auto Insurance Study. State Farm also happens to offer the cheapest rates for state minimum and full coverage car insurance in Port St. Lucie compared to other carriers. At State Farm, Port St. Lucie drivers can keep costs low with discounts for bundling home and auto, saving up to 17% by insuring both with the company. 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.

Learn more: State Farm Insurance Review


Geico offers the second-cheapest rates in Port St. Lucie, though it did not fare as well as State Farm in the Florida region for customer satisfaction. Geico got a below-average score 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. Along with competitive rates in Port St. Lucie, Geico includes optional coverages to customize car insurance, including the rare mechanical breakdown insurance.

Learn more: Geico Insurance Review


In the Florida region, Allstate is just two points behind State Farm, earning the second-place spot for customer satisfaction. Allstate also has above-average scores in auto claims satisfaction and the digital shopping experience, failing a few points short of average for 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.

Learn more: Allstate Insurance Review


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. Drivers can customize their auto insurance with coverages like new car replacement and special parts coverage. Discounts include good driver rewards, multi-policy and an average of 15% for organizations you may work for or belong to. MetLife did not score in the Florida region study but is in fifth place for auto claims satisfaction.

Learn more: MetLife Insurance Review


Though Progressive’s average rates are some of the highest in Port St. Lucie, there are multiple ways you can lower the cost to make it more affordable. Progressive offers a Name Your Price tool, which shows the best coverages in your price range. Drivers can also participate in the deductible savings bank, which lowers full coverage deductibles by $50 per policy period when you don’t make a claim or get 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.

Learn more: Progressive Insurance Review

Cheapest car insurance in Port St. Lucie

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. Drivers can get cheap car insurance from these top companies by applying as many discounts as they are eligible for and shopping around for quotes to find the best rate without sacrificing coverage.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
State Farm $848 $1,766
Geico $1,000 $2,362
Allstate $1,149 $2,455
MetLife $1,320 $2,464
Progressive $1,382 $2,430

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 for bodily injury
  • $20,000 per accident for bodily injury
  • $10,000 per accident for property damage
  • $10,000 for personal injury protection

Though Florida’s required liability is low, most insurance experts recommend purchasing as much liability as you can afford. The liability pays for the other parties you injure or cause property damage to, so higher liability limits provide greater financial protection. Full coverage may be required by lenders for leased and financed vehicles.

Car insurance discounts in Port St. Lucie

  • New vehicle discount: For drivers with a car three model years or newer, some insurance companies offer a new car discount.
  • Defensive driving discount: Senior drivers 55 and older who pass a state-approved defensive driving course can get this discount.
  • Good student discount: Teen drivers with a 3.0 or above GPA can save on car insurance with this discount.
  • Multi-policy discount: By insuring your car, home and other insurances with the same company, you can save with bundling discounts.

Discounts vary by carrier, but Port St. Lucie drivers can take advantage of a host of discounts to lower their car insurance rates. The largest discount is typically the multi-policy discount. Insurers also offer a multi-car discount for insuring more than one car 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.

Frequently asked questions

What is the best car insurance company?

The best car insurance company is one that has the right coverage at a price you can afford. Getting quotes from multiple companies with the same coverages can help you find the best car insurance company in Port St. Lucie.

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

The average cost of car insurance in Port St. Lucie is $,131 for state minimum coverage and $2,300 for full coverage per year. The rate you pay may be different as costs of car insurance include personal factors like your driving history, location and claims history. The type of car you drive, the coverages you select and the discounts you qualify for also make a difference in the premium.

How much car insurance do I need in Port St. Lucie?

The amount of car insurance you need in Port St. Lucie is a minimum of the state-required liability limits. You may need full coverage if you have a financed or leased vehicle or if it is a newer car. Drivers with older cars may only need liability insurance, which can help you save on car insurance costs.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Mandy Sleight
Insurance Contributor
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.
Edited by
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