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Cheapest Car Insurance Rates in Port St. Lucie, florida

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Driving Conditions in Port St. Lucie, florida

At White Chip Insurance we understand the importance of finding the best carriers for our clients.

132Rainy Days a Year
58 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Port St. Lucie, florida Car Insurance Rates by Provider

With a variety of car insurance providers to choose from in Port St. Lucie, Florida, such as, Geico, Progressive, State Farm, Allstate, and USAA, it is crucial to compare rates and coverage options to ensure you are receiving the best policy possible. White Chip Insurance has existing relationships with each of these carriers and is able to ensure you will be quoted the cheapest car insurance rates in all of Port St. Lucie.

ProviderAverage Annual Rate
State Farm$1,596
GEICO$2,298
Progressive$2,671
Allstate$3,156

Port St. Lucie, florida Car Insurance Rates by Age

In Port St. Lucie, Florida, car insurance rates can vary depending on the age of the driver. Most insurance companies require younger drivers to pay higher premiums than older drivers because of the risk that is associated with new drivers. White Chip Insurance is committed to providing fair insurance rates to all drivers, despite their age. Our team of dedicated agents will find you affordable car insurance in Port St. Lucie.

AgeAverage Annual Rate
16-19$6,643
20s$3,023
30s$2,377
40s$2,331
50s$2,194
60s$2,242
70s$2,728

Port St. Lucie, florida Car Insurance Rates by Gender and Marital Status

Although most insurance companies in Port St. Lucie are not gender biased when determining rates, it can still happen. There are laws against gender biases, but you will often still find that female drivers pay slightly more than married drivers, and widowed or divorced drivers will pay slightly more than single and married drivers. White Chip Insurance will be an ally in the process of finding the best insurance policy for you and will work through these biases to find the one that is most affordable.

Gender and Marital StatusAverage Annual Rate
Married$2,301
Divorced$2,386
Widowed$2,347
Female$2,451
Male$2,386
Single$2,301

Port St. Lucie, florida Car Insurance Rates by Driving Record

Driving records are a huge consideration for insurance companies when it comes to determining rates. A clean driving record can lend discounts and lower premiums, while a faulty driving record can, in some cases, double the cost. On average, Port St. Lucie, Florida offers a rate of $2,185 for a clean driving record and can go as high as $3,672 for a faulty driving record. No matter what your driving record is, White Chip Insurance will ensure you receive cheap car insurance in Port St. Lucie, Florida.

Driving RecordAverage Annual Rate
DUI/DWI$3,562
Reckless Driving$3,672
At-fault Accident (damages less than $1,000)$3,277
At-fault Accident (damages greater than $2,000)$3,277
Speeding Ticket (16-20mph over speed limit)$3,003

Port St. Lucie, florida Car Insurance Rates by Credit Score

Credit score is often taken into consideration when determining car insurance rates. Generally, the higher the credit score, the lower the car insurance rates. Since car insurance companies take into account an individual's financial history when determining rates, those with higher credit scores may be seen as more responsible and therefore may be able to access lower rates.

Credit ScoreAverage Annual Rate
300 - 570$4,719
580 - 669$2,926
670 - 739$2,386
740 - 799$2,160
800 - 850$1,918

Cheapest Area Codes in Port St. Lucie, florida

Port St. Lucie, Florida car insurance can be more expensive depending on where the company is located and if it's in close proximity to affluent amenities. If the surrounding area has safe neighborhoods, top-tier education options and/or elite job opportunities, the insurance rates can be affected. The most expensive zip code in Port St. Lucie, Florida is 33455 with an average home value of $687,000, and the least expensive zip code is 34952 with an average home value of $320,000.

Most Expensive Port St. Lucie, florida ZIP Codes

34997, 34987, 34953, 34983, 34952

Least Expensive Port St. Lucie, florida ZIP Codes

34990, 34957, 34949, 33455, 34986

Local Amenities in Port St. Lucie, florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the Tampa, Florida insurance business for several years. Check out some of Tampa’s most notable local amenities below.

Port St. Lucie, florida Car Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Car Insurance.

What is the average cost for car insurance in Florida?

According to the Insurance Information Institute, the average cost of car insurance in Florida is $1,939 per year. The most expensive car insurance is found in the city of Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698. The average cost of car insurance in Port St. Lucie is $2,386.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state has a high risk of natural disasters, such as hurricanes and floods, and a high rate of car theft. Additionally, Florida is a no-fault state, which means that drivers are personally responsible for their own medical expenses regardless of who is at fault in an accident. This leads to an increase in the cost of insurance in Florida.

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How much is car insurance near Port St. Lucie, FL?
TampaOcalaMiami
Fort LauderdaleOrlandoTallahassee
JacksonvilleSt. PetersburgHialeah
HollywoodCape CoralPembroke Pines
Miami GardensGainesvilleCoral Springs
Lehigh AcresClearwaterPalm Bay
Pompano BeachWest Palm BeachMiramar
LakelandDavieBoca Raton
SunriseSpring HillPlantation
AlafayaFort MyersLargo
BrandonPalm Coast

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