Best Car Insurance in Port St. Lucie, Florida [The Complete Guide]

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Port St. Lucie Statistics SummaryDetails
City Population (2017)189,344
City Density1,591 people per square mile
Average Cost of Car Insurance in Hollywood$3,403.17
Cheapest Car Insurance CompanyUSAA + State Farm

Finding the best car insurance policy can be a difficult and tedious task. Life is crazy – you might be a mother to four children or a single father who works full time. Sitting down for countless hours to try and find a great auto insurance policy just isn’t realistic.

If this is true in your life, and you need help finding a great car insurance policy in minutes instead of hours, you’ve come to the right place.

In this complete guide to car insurance, you’ll find important research that will help you make the best decision when choosing your new Florida car insurance policy.

We’ll start by showing you what factors can affect your rate and which companies have the best rates. Then, we’ll go through crucial statistics such as Port St. Lucie road conditions, vehicle theft, traffic congestion, road fatalities, vehicle road laws and much more. Everything you need to know about Port St. Lucie, Florida auto insurance is right here.

When you’re all done reading through our guide, there’s no question that you’ll have all the information you need to make a fast and easy decision about your new Port St. Lucie, Florida auto insurance policy.

Are you ready to start comparing rates right now? Use our free online rate calculator by entering your zip code in the box above.

Keep reading for more information about auto insurance in Port St. Lucie, Florida.

Table of Contents

The Cost of Car Insurance in Port St. Lucie 

When considering a new car insurance policy, the biggest question drivers ask is, “how much is it going to cost?”

Unfortunately, this question is answered differently for every single driver because the cost of Florida car insurance is based on several key factors. To learn more about what your rate recipe is, stay with us as we touch on these factors and more up next.

– Male vs. Female vs. Age

Did you know that components such as gender, marital status and age can heavily influence your car insurance rate?

A study done by Data USA says that the median age in Port St. Lucie, Florida is 41.9 years old. In cities with median ages over 25, there isn’t normally a concern for above average rates.

Statistically, teenagers usually pay more for car insurance. The older a teenager becomes, the more their rate decreases.

AGE17253560
Average Annual Rate$8,906.27$3,434.46$3,023.12$2,772.17

As you can see in the table above, drivers who are 60 years old pay the least amount for auto insurance. Teenage drivers pay the most for auto insurance, however, once a driver is over the age of 25, their rate should significantly decrease.

But how might gender affect your rate in Port St. Lucie, Florida? Most people think that females pay more for car insurance than males do, but actually, this isn’t usually the case.

In Port St. Lucie, females definitely pay less for car insurance than men do. Males pay $4,534.00 per year for a full coverage policy while females pay $4,301.66 per year for the same exact policy.

This means that male drivers in Port St. Lucie, Florida pay about $233 more than female drivers do. Now, how do all three of these factors (age, gender and marital status) affect a driver’s rate?

DemographicAverage Annual Rate
Married 35-year old female$3,056.56
Married 35-year old male$2,989.69
Married 60-year old female$2,749.16
Married 60-year old male$2,795.18
Single 17-year old female$8,077.62
Single 17-year old male$9,734.91
Single 25-year old female$3,323.32
Single 25-year old male$3,545.60
Average$4,534.00

The data from the table above indicates that a married 60-year old female will most likely have the best car insurance rate in Port St. Lucie, Florida.

Insurance companies may assume that men are more reckless drivers than women and are more likely to cause an accident. Married drivers are often thought of as more stable and responsible and cannot risk getting into an accident, so they are less likely to drive in a reckless manner.

We’re just scratching the surface – these factors aren’t the only factors that can affect your insurance rate.

– Cheapest Zip Codes in Port St. Lucie

Did you know that your area of residence can affect your rate as well?

Some zip codes have more crime than others – some roads produce more accidents than others. Insurance companies know these facts and take account for them. There’s a $123 difference from the zip code with the least expensive rate and the zip code with the most expensive rate.

Which area of Port St. Lucie do you live in?

Zip CodeAverage Annual Rate
34986$3,403.17
34987$3,403.17
34952$3,511.70
34983$3,511.70
34953$3,526.71
34984$3,526.71

– What’s the Best Car Insurance Company in Port St. Lucie?

While many uncontrollable factors can affect your insurance rate, there’s at least one factor you can control that could help keep your rate low: your car insurance company.

Car insurance companies are like anything else when it comes to services and products – you get exactly what you pay for. Some car insurance companies are more expensive than others because of their well-known brand. Some car insurance companies have less expensive rates because they don’t have great customer service or a good financial rating.

Some insurance companies give you better rates if you drive more miles or have better coverage, and some companies give you better rates with a discount that is only available to a certain demographic of people.

To save you time (and money) we’ll show you the cheapest car insurance rates by company below.

– Cheapest Car Insurance Rates by Company

So now that you know marital status, age and gender affect insurance rates, it’s time to show you which companies have the cheapest rates based on these three specific factors.

GroupMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
USAA$1,561.66$1,534.43$1,467.99$1,452.68$5,358.29$6,188.80$1,944.32$2,093.82
State Farm$1,974.84$1,974.84$1,801.49$1,801.49$5,710.34$7,262.06$2,192.26$2,337.01
Nationwide$2,854.71$2,819.07$2,553.13$2,640.03$6,784.12$8,345.49$3,138.70$3,264.78
GEICO$3,313.51$3,325.32$3,096.72$3,096.72$5,886.18$7,293.36$3,644.49$3,673.03
Liberty Mutual$3,613.98$3,613.98$3,308.45$3,308.45$7,661.69$11,817.37$3,613.98$4,910.86
Progressive$3,568.88$3,368.08$3,072.63$3,279.97$10,104.43$10,988.73$4,305.41$4,080.81
Allstate$4,508.31$4,292.09$3,943.68$3,986.89$15,038.28$16,248.58$4,424.10$4,458.92

As you may have noticed, USAA has the cheapest rates while Allstate has the highest rates.

For example, a married 35-year old female will pay approximately $3,000 more for a full coverage policy with Allstate than they would pay for the same full coverage policy with USAA. Keep in mind that USAA only provides insurance to military members and their families.

It is also worth noting that single males usually pay the most for car insurance, but single 17-year old males could pay thousands of dollars more for a policy than single 25-year old males.

– Best Car Insurance for Commute Rates

According to the Federal Highway Administration‘s 2014 Licensed Drivers By State report, Floridians drove an average of 14,465 miles in the state that year. The table below shows the average annual premiums Port St. Lucie, Florida insurance companies charge based on commute rates.

Group10 miles commute, 6000 annual mileage25 miles commute, 12000 annual mileageAverage
Allstate$6,857.96$7,265.75$7,061.86
GEICO$3,480.22$3,515.77$3,498.00
Liberty Mutual$4,739.30$5,057.20$4,898.25
Nationwide$4,103.44$4,103.44$4,103.44
Progressive$5,518.88$5,518.88$5,518.88
State Farm$3,337.23$3,572.57$3,454.90
USAA$2,767.31$2,830.79$2,799.05

As you can see, some insurance companies only charge about $40 more if you drive around 12,000 miles per year – some charge a few hundred dollars more per year. Progressive charges the same rate across the board – it doesn’t matter if you drive 10 miles a day or 25 miles per day.

– Best Car Insurance for Coverage Level Rates

Did you know some car insurance companies will cut you a break on your rate if you are willing to carry more insurance than what is required by your state?

Look at the table below to see what we’re talking about.

GroupHighLowMedium
Allstate$8,482.20$5,350.76$7,504.86
GEICO$4,827.32$3,356.11$4,315.07
Liberty Mutual$5,591.34$4,785.11$5,316.84
Nationwide$4,792.91$3,134.67$4,222.42
Progressive$6,162.22$4,395.76$5,480.38
State Farm$3,549.80$2,634.29$3,211.27
USAA$3,020.04$2,267.86$2,812.84

If you have medium car insurance coverage (meaning you don’t just carry low minimum liability coverage), your car insurance company may be willing to give you high coverage for just a couple of hundred dollars more per year. Having more coverage always means having better coverage.

If you get into a multi-car pileup, chances are you’ll have significant injuries and damage to your vehicle. You might also get stuck paying for damage repairs for other vehicles as well. For this reason and scenarios like it, paying a couple of hundred dollars per year for higher coverage could be well worth it in the long run.

A few hundred dollars seems like a lot of money upfront, but spread out over the course of a year, paying $50-60 more for your insurance policy per month for the best coverage probably won’t break the bank or hurt your budget.

–  Best Car Insurance for Credit History Rates

Credit history can also affect your car insurance rate.

In some states, it’s illegal for car insurance companies to base your car insurance rate on your credit score. Unfortunately for Florida drivers, this is not the case.

Let’s see how credit history affects your car insurance rate in Port St. Lucie, Florida.

GroupFairGoodPoor
Allstate$6,274.53$5,051.19$10,012.10
GEICO$3,667.82$2,744.77$6,085.91
Liberty Mutual$4,943.90$4,002.12$6,747.26
Nationwide$3,720.37$3,363.58$5,066.05
Progressive$4,946.26$4,126.59$6,965.51
State Farm$2,809.34$2,304.92$4,281.12
USAA$2,157.52$1,572.30$4,370.93

Based on the data from the table above, the worse credit you have, the higher your rate will be. Insurance companies assume that drivers with higher credit scores are associated with being more responsible. Drivers with higher credit scores are also assumed to be safer drivers and are less likely to be involved in a car accident.

When you compare rates based on credit history, having poor credit history could increase your rate by $5,000 or more – that is an increased monthly rate of $600. This just goes to show you that having a great history not only affects your future interest rates, but it also has a pretty significant effect on your insurance rates as well.

– Best Car Insurance for Driving Record Rates

The biggest factor that affects your car insurance rate is your personal driving record. Makes sense, right?

If you’re a great driver with an accident- free, ticket-free, DUI-free record, you should have a pretty decent car insurance rate. However, if you’ve received a traffic ticket, your yearly rate could increase by a few hundred dollars.

Let’s take a look at the table below for more insight on how driving record affects rates.

GroupClean recordWith 1 accidentWith 1 DUIWith 1 speeding violation
Allstate$6,154.61$7,362.33$8,122.81$6,810.68
GEICO$2,882.93$3,702.24$5,541.31$4,538.18
Liberty Mutual$3,733.89$4,886.98$7,155.48$5,148.03
Nationwide$3,463.76$3,797.22$5,096.96$3,842.07
Progressive$4,209.72$6,248.93$5,261.90$5,663.93
State Farm$2,863.70$3,399.91$3,131.78$3,131.78
USAA$2,114.92$2,611.19$3,857.49$2,217.39

Drinking and driving is against the law, so it makes sense for a car insurance company to hike up your rate if you’ve been convicted of a DUI.

If Allstate is your provider, having one DUI on your record can increase your yearly premium by almost $2,000. Other providers like State Farm and USAA could only increase your rate by around $300.

It’s important to note that if you get into a car accident, some companies will raise your rate even more than they would if you’ve been convicted of a more serious crime like drinking and driving.

But now that we’ve gone over some of the most important car insurance rate factors, it’s time to touch on Port St. Lucie’s car insurance statistics.

Car Insurance Factors in Port St. Lucie

We’re not done – gender, driving record, marital status, age, credit history, and coverage level aren’t the only components that determine your rate, so don’t go switching providers just yet. We want to show you some important statistics so you can have a good idea about how much you should actually be paying for car insurance in Port St. Lucie, Florida.

Keep reading to find out more about Port St. Lucie auto insurance rate factors.

Median Household Income

How much does the average Port St. Lucie family spend on car insurance per year? With such a large average rate, it can be difficult to pinpoint the exact average amount. One thing we can do is show you Port St. Lucie’s median household income.

The data below from 2017 is pulled from a study conducted by Data USA.

Port St. Lucie, Florida residents have an average household income of $54,046 per year. Although this number is under the national median income of $60,336, Port St. Lucie residents saw an average income growth of 6.33 percent from 2016-2017.

But what does this have to do with Port St. Lucie auto insurance?

The average cost of a full coverage car insurance policy per year in Port St. Lucie is $3480.52. This means that Port St. Lucie residents spend an average of 6.4 percent of their salary on car insurance alone. Does this seem like a high rate to you?

After you’ve done your research, the best way to find the cheapest car insurance rate in your area is to shop multiple car insurance companies by giving them the same information across the board.

As you’ve seen from the data above, not every company is going to have the same rate. Use the calculator below to determine exactly how much of your personal income is going to pay for your car insurance coverage.

CalculatorPro

– Home Ownership in Port St. Lucie

Did you know that owning a home can help you save money on your auto insurance policy? That’s right – the next time you have your provider on the phone, ask them if you qualify for homeowner’s discount.

Car insurance companies often associate owning a home with being responsible – which also means homeowners are likely safe drivers.

In 2017, 76 percent of the housing units in Port St. Lucie, FL were occupied by their owner. This percentage declined from the previous year’s rate of 76.3 percent.

This percentage of owner-occupation is higher than the national average of 63.9 percent. This data shared from Data USA shows the ownership percentage in Port St. Lucie, FL compared to its parent and neighboring geographies.

In 2017, the median property value in Port St. Lucie, FL grew to $162,700 from the previous year’s value of $149,400. The largest share of households have a property value in the $150,000-175,000 range.

– Education in Port St. Lucie

In 2016, universities in Port St. Lucie, FL awarded 201 degrees.

 The student population of Port St. Lucie, FL in 2016 was skewed towards women, with 93 male students and 315 female students.

The city of Port St. Lucie has three colleges: Keiser University and Indian River State College, Fortis Institute-Port Saint Lucie. The largest universities in Port St. Lucie, FL by a number of degrees awarded are Fortis Institute-Port Saint Lucie. 

According to a study done by Data USA, these were the most popular majors in Port St. Lucie:

  • Medical Assistant (29.4 percent)
  • Registered Nursing (27.4 percent)
  • HVAC Maintenance (15.9 percent)

A grand total of 146 students graduated with these degrees in the data above in 2016.

– Wage by Race & Ethnicity in Common Jobs

Have you ever wondered if certain races are known for having certain jobs?

In 2017 the highest paid race/ethnicity of Florida workers was Asian. These workers were paid 1.08 times more than Alaska Native workers, who made the second highest salary of any race/ethnicity.

This data shows the race and ethnicity-based wage disparities in the 5 most common occupations in Florida by the number of full-time employees.

The color key to the graph below goes like this:

  • Light Green: Asian
  • Orange: White
  • Pink: Native Hawaiian and Other Pacific Islander
  • Dark Green: Two or More Races
  • Peach: Black
  • Yellow: American Indian
  • Dark Blue: Other
  • Light Blue: Other Native American

To take these statistics one step further, take a look at the table below to see wages for common jobs based on race and ethnicity in Port St. Lucie, Florida, and the percentage of those workers’ incomes going to auto insurance premiums.

EthnicityMiscellaneous ManagersPERCENTAGE OF INCOME GOING TO CAR INSURANCEElementary & Middle School TeachersPERCENTAGE OF INCOME GOING TO CAR INSURANCERetail SalespersonsPERCENTAGE OF INCOME GOING TO CAR INSURANCECustomer Service RepresentativesPERCENTAGE OF INCOME GOING TO CAR INSURANCECashiersPERCENTAGE OF INCOME GOING TO CAR INSURANCE
Asian$901993.8%$366459.4%$2166816%$3052911.4%$1891518.4%
White$855354%$417028.3%$3091911.2%$2910811.9%$1485423.4%
Native Hawaiian and other Pacific Islander$693975%$3352010.3%$687050.6%$2390214.5%$1355725.6%
Two or More Races$684095%$391838.8%$1961617.7%$2423214.3%$1192129.1%
Black$657615.2%$398118.7%$1904618.2%$2490513.9%$1384725.1%
American Indian$649925.3%$2866912.1%$3262110.6%$2543713.6%$1193729.1%
Other$520276.6%$386619%$2344514.8%$2396014.5%$1921918.1%
Other Native AmericanN/AN/A$1427424.3%$1225528.4%

It’s pretty crazy that your ethnic background can determine your pay rate – you might be paid less or more than another person of ethnicity even if you’re doing the exact same job as them. What’s even more alarming is that some people spend over 50% of their total income on car insurance.

– Wage by Gender in Common Jobs

The gender pay gap argument has been around for a while now, but the data from the data below will tell the truth about wages based on gender in the workplace.

In 2017, full-time male employees in Florida made 1.34 times more than female employees.

In 2017, the average salary for a male was $58,931 and the average salary for a female was $44,078. Keep in mind that these statistics are measuring incomes for the same exact job. On average, men are paid $14,000 more than women for doing the same exact job in the state of Florida.

The average annual cost of car insurance in Port St. Lucie, Florida is $3,480.53. This means that women spend roughly 8 percent of their total income on car insurance while men spend 6% of their total income on car insurance.

– Poverty by Age and Gender

Below is a data illustrating the poverty rate in Port St. Lucie, Florida based on age and gender.

12.1 percent of the population for whom poverty status is determined in Port St. Lucie, FL (21,500 out of 178,000 people) live below the poverty line, a number that is lower than the national average of 13.4 percent. The largest demographic living in poverty are females 25-34, followed by females 55-64 and then females 45-54.

The Census Bureau uses a set of money income thresholds that vary by family size and composition to determine who classifies as impoverished. If a family’s total income is less than the family’s threshold than that family and every individual in it is considered to be living in poverty.

– Poverty by Race & Ethnicity

The most common racial or ethnic group living below the poverty line in Port St. Lucie, FL is White, followed by Hispanic and Black.

– Employment by Occupations

From 2016 to 2017, employment in Port St. Lucie, FL grew at a rate of 4.28 percent, from 75,700 employees to 78,900 employees.

From 2016-2017, Port St. Lucie, Florida was able to employ about 3,000 employees.

Let’s look at some of the most common jobs in Port St. Lucie.

  • Office & Administrative Support Occupations (11,125 people)
  • Sales & Related Occupations (10,862 people)
  • Food Preparation & Serving Related Occupations (6,475 people)

The data indicates a breakdown of the most common jobs held by workers in Port St. Lucie, Florida.

Driving in Port St. Lucie

What’s it like to drive in Port St. Lucie, Florida?

Taking a short cut when you’re driving can help you save time and gas money, but sometimes it can take years of living in your city to figure out the best routes to take.

Up next, we want to show you the best driving routes in the city of Port St. Lucie, Florida.

– Roads in Port St. Lucie

Let’s take a look at some of the best driving routes in Port St. Lucie. From traffic congestion to construction sites, it’s important to know your way around town so you can avoid spending extra time and money.

– Major Highways

Map of Port St. Lucie, Florida

Florida has 12 active routes running through the state, comprising a total of 1,497.58 miles of roadway. These active interstates include:

  • I-4
  • I-10
  • I-75
  • I-95
  • I-110
  • I-175
  • I-275
  • I-375
  • I-195
  • I-295
  • I-395
  • I-595
  • I-795

Interstate 95 is a major interstate that runs north and south through Port St. Lucie. US-1 is another major road that follows the Atlantic Coast that locals use a lot as well.

According to VisitFlorida.com the Florida Turnpike, known as the Ronald Reagan Turnpike, encompasses 483 miles of toll roads that make traveling more efficient because of fewer exits and less traffic.

It’s operated by Florida’s Turnpike Enterprise, part of the Florida Department of Transportation, and is largely paid for by drivers who use it. Toll revenue goes to operate, maintain and expand the Turnpike system.

It’s difficult to say how much each toll will cost you because the cost depends on where and how far you’re going. Drivers can pay with cash, they can be sent a bill in the mail by going through the “Toll-by-Plate” lane, or drivers can use a SunPass.

A SunPass is scanned by an electronic reader and tolls are deducted from your prepaid account. It discounts tolls about 25 percent and saves substantial time at toll booths. Port St. Lucie doesn’t have any toll roads, unless you jump on 95 and head north towards Vero Beah or south toward Miami and you want to drive on the turnpike to save a little extra time.

Florida drivers may use their SunPass in North Carolina and Georgia as well. The SunPass can also be used to pay for parking at the following airports:

  • Palm Beach International
  • Fort Lauderdale International
  • Orlando International
  • Tampa International

You can choose between the SunPass Portable and SunPass Mini when purchasing your toll pass. The portable pass sticks to your windshield with suction cups, but you can easily move it from one car to another if you need to do so.

You can purchase a SunPass at any of the following retail stores:

  • Publix Supermarkets
  • CVS Pharmacies
  • AAA Auto Club South
  • Sedano’s Markets
  • Navarro Discount Pharmacy
  • Amscot
  • Walgreen’s
  • Turnpike service plazas

The pass costs $19.99 plus tax. You can also purchase it online. The SunPass Mini costs $4.99 for online purchases or purchase it from any of the stores listed above.

Drivers must register their SunPass Portable or SunPass Mini with a starting balance of at least $10. To register, you can:

Visit Florida’s SunPass page for more information.

Popular Road Trips/Sites

Located just south of Port St. Lucie is a little town called Stuart. Stuart, Florida is a quaint little town with views for miles, a great downtown, delicious restaurants, and lovely boutiques.

Check out the Stuart Sandbar, the St. Lucie Inlet, and Hutchinson Island if you’re better acquainted with boating. Cape Coral, Pembroke Pines, and Fort Lauderdale, Florida are also some great vacation spots if you’re planning a trip down south.

– Road Conditions

CityStatePoor
Share
Mediocre
Share
Fair
Share
Good
Share
Vehicle Operating
Costs (VOC)
Port St. LucieFL6%26%17%51%$307

For a complete list of current road conditions and construction work in Port St. Lucie, Florida, please visit the FDOT Treasure Coast Construction website.

Does your city use speeding or red light cameras?

According to TC Palm, the legality of red-light cameras, or cameras that monitor and ticket drivers who run red lights, remains a hot-button issue in Florida, where courts have issued conflicting opinions.

Vero Beach and Fort Pierce for several years discussed installation of red-light cameras. But both the Legislature and the Florida Supreme Court eventually threw out the program largely on safety concerns, making local considerations moot.

Cameras that actually record data are extremely rare on the Treasure Coast.

– Vehicles in Port St. Lucie

What types of vehicles are popular in Port St. Lucie, Florida? Check out the points below for the most popular vehicle according to city in Florida. This information is brought to you by Your Mechanic.

  • Miami: Lexus ES350
  • Tampa: Kia Sorento
  • Orlando: Hyundai Santa Fe
  • Tallahassee: Honda Accord

How many cars per household?

A recent study done by Data USA said that the average number of cars owned in Port St. Lucie is two.

The data displays the households in Port St. Lucie, FL distributed between a series of car ownership buckets compared to the national averages for each bucket. The largest share of households in Port St. Lucie, FL have two cars, followed by three cars.

– Households Without a Car

Not everyone owns a car in the city of Port St. Lucie. Check out the table below to see the percentage of households that do not own vehicles in Port St. Lucie.

YEARHOUSEHOLDS WITHOUT VEHICLESVEHICLES PER HOUSEHOLD
20153.6%1.76
20162.6%1.79

As you can see, car ownership increased in 2016.

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– Speed Traps in Port St. Lucie

Are there any speed traps in Port St. Lucie? The answer is yes.

Police and law enforcement officers use speed traps as a way to decrease speeding in certain areas of a city. Drivers don’t often know that the speed trap exists before they get pulled over for speeding, but it might be helpful to know where the worst speed traps are in Port St. Lucie so you don’t get caught speeding.

Fortunately for Port St. Lucie drivers, Port St. Lucie did not make it on the list for the top 10 worst Florida speed trap cities. However, it is still a good idea to watch your speed and pay attention to speed limit signs when you are traveling in Florida. For more information on speed trap location in Port St. Lucie, please visit speedtrap.org.

– Vehicle Theft in Port St. Lucie

Have you ever wondered about vehicle theft in Port St. Lucie?

According to the FBI, there were 87 vehicles reported stolen in Port St. Lucie in 2017.

Are you a resident of Port St. Lucie? Are you looking to move to a safe neighborhood? The safest neighborhoods in Port St. Lucie, Florida, per Neighborhood Scout, are as follows:

Port St. Lucie has an overall crime rate of 12 per 1,000 residents, making the crime rate here near the average for all cities and towns of all sizes in America.

According to our analysis of FBI crime data, your chance of becoming a victim of crime in Port St. Lucie is one in 82. How does Port St. Lucie fare compare to other communities in Florida of all population sizes? Port St. Lucie’s crime rate is lower than approximately 83 percent of Florida communities.

This means that Port St. Lucie is one of the safest places in America. It is safer than 57 percent of all U.S. cities. Check out the table below for Port St. Lucie’s 2017 annual crimes list.

 VIOLENTPROPERTYTOTAL
Number of Crimes1862,1262,312
Crime Rate
(per 1,000 residents)
0.9811.2312.21

Check out the map below. The areas shown in light purple are the safest areas in Port St. Lucie. The darkest shade of purple shows the least safe areas in Port St. Lucie.

Port St. Lucie Crime

The table below shows the average number of violent crimes in 2017 in Port St. Lucie.

Port St. Lucie Violent CrimesMURDERRAPEROBBERYASSAULT
Report Total21331140
Rate per 1,0000.010.070.160.74

– Traffic

Since we’ve already covered key crime statistics and road conditions, it’s time to look at traffic congestion.

Is Port St. Lucie considered to be one of the highest traffic-congested cities in the U.S.?

– Traffic Congestion in Florida

Good news for Florida drivers. Port St. Lucie is not even listed on any of the major traffic sites. This means if you’re driving in Port St. Lucie or in the surrounding areas, chances are you will not be stuck in traffic. Miami is the closest city with traffic, but if you stay away from the Broward County area, you probably won’t be sitting in traffic for long hours.

– Transportation

Since Port St. Lucie doesn’t have a lot of traffic congestion, it’s safe to say that commute times within the city should be minimal.

Using averages, employees in Port St. Lucie, FL have a longer commute time (27.8 minutes) than the normal US worker (25.1 minutes). Additionally, 3.26 percent of the workforce in Port St. Lucie, FL have “super commutes” in excess of 90 minutes.

In 2017, the most common method of travel for workers in Port St. Lucie, FL was Drove Alone, followed by those who Carpooled and those who Worked At Home. The orange bars represent Port St. Lucie while the gray bars show the national average.

– Busiest Highways

According to the Federal Highway Administration, two of the busiest highways closest to Port St. Lucie are I-95 and Florida State Road 826. These routes are considered to be heavily congested.

FDOT defines heavy traffic congestion as follows:

  • Urban Areas — Traffic is bumper to bumper or moving at a stop and go pace
  • Rural Areas — It is difficult to change lanes due to the congestion

– How Safe are Port St. Lucie’s Streets and Roads?

Let’s take a look at Port St. Lucie’s road fatality rates. What causes road fatalities?

First, let’s take a look at the total number of fatal crashes in St. Lucie County. We’ve partnered with the National Highway Traffic Safety Administration to bring you the following information.

County NameFatalities
2013
2014201520162017Fatalities
Per 100K
Population
2013
2014201520162017
St. Lucie County333836354111.5513.0812.0811.4313.08

Next, let’s look at the number of fatal crashes Involving an alcohol-Impaired driver with BAC levels of .08 above.

County NameFatalities
2013
2014201520162017Fatalities
Per 100K
Population
2013
2014201520162017
St. Lucie County7147992.454.822.352.942.87

How many of these fatal crashes were single-vehicle crashes?

County NameFatalities
2013
2014201520162017Fatalities Per 100K Population
2013
2014201520162017
St. Lucie County23232223238.057.917.387.517.34

Speeding is another major culprit of fatal crashes. See the data below.

County NameFatalities
2013
2014201520162017Fatalities
Per 100K
Population
2013
2014201520162017
St. Lucie County503341.7501.010.981.28

How many of these fatal crashes involved a roadway departure?

County NameFatalities
2013
2014201520162017Fatalities
Per 100K
Population
2013
2014201520162017
St. Lucie County19171116196.655.853.695.236.06

Did any of these fatal crashes involve an intersection?

County NameFatalities
2013
2014201520162017Fatalities
Per 100K
Population
2013
2014201520162017
St. Lucie County811107172.83.793.362.295.42

The table below illustrates the total fatalities in St. Lucie County in 2017 by person type.

Person TypeFatalities
2013
2014201520162017Fatalities
Per 100K
Population
2013
2014201520162017
Passenger Car Occupant814612182.84.822.013.925.74
Pedestrian558971.751.722.692.942.23
Pedalcyclist552101.751.720.670.330

Check out the table below. It shows the NHTSA’s data regarding highways in the state of Florida with the most fatal crashes.

FLORIDA ROAD TYPEFATAL CRASHES
Rural97
Urban156
Freeway and Expressway84
Other876
Minor Arterial458
Collector Arterial309
Local258
Unknown684
Total Fatal Crashes2,922

– Allstate American’s Best Drivers Report

According to America’s Best Drivers Report by Allstate, Port St. Lucie is the 14th safest driving city in the U.S.

In Port St. Lucie, Florida, there are approximately 11.8 years between filed insurance claims and the likelihood of a claim being filed compared to the national average is -10.1 percent.

There are about 18.4 “drivewise hard-braking events” per 1000 miles. These are good statistics as they show that the chances of being in a car accident are very low in the city of Port St. Lucie. Regardless, Florida drivers should be especially careful when braking.

– Ridesharing

Are you wondering what ridesharing services are available to you in Port St. Lucie? Maybe you’re not interested in taking a taxi or you want to save a few bucks by sharing an Uber ride with a friend. Check out the list below for available ridesharing options in Port St. Lucie, FL.

  • Blacklane: a luxury vehicle with seating for 1-5 people
  • Lyft
  • Lyft Plus: a vehicle that can seat six or more passengers
  • Taxi
  • Uber Select: Very similar to Uber Black except with UberSelect the car does not have to be black. It’s a step above UberX, yet slightly below the prices of UberBlack. When you request an UberSelect a higher-end sedan with seating for up to four people will pick you up. One fun requirement is that the vehicle must have leather seats.
  • UberX: Uber’s budget option in the United States. When you select an Uber X car, an everyday car with seating for up to four people will arrive to pick you up.
  • UberXL: Uber’s budget option for larger groups. When you order an Uber XL, a car with seating for up to six people will arrive to pick you up.

– EStar Repair Shops

If you ever need to have your vehicle worked on or you’ve just been in an accident and you need some repair work done, an EStar repair shop could help solve all your car’s needs. EStar is an Esurance-sponsored program that helps drivers find the best repair shops in their area.

Check out the top 10 repair shops located in and around Port St. Lucie, Florida, brought to you by EStar.

Shop NameAddressContact Information
CUSTOM COLORS PAINT & BODY1650 VILLAGE GREEN DR.
PORT SAINT LUCIE FL 34952
email: customcolors1650@yahoo.com
P: (772) 335-0600
F: (772) 335-8007
CUSTOM AUTO CENTER_CF1154 SE Monterey Rd
Stuart Fl, 34994
email: customautocenter@bellsouth.net
P: (772) 283-5558
F: (772) 283-7161
MULLINAX FORD OF PALM BEACH1210 NORTHLAKE BLVD
LAKE PARK FL 33403
email: mullinaxfordbody@gmail.com
P: (561) 845-2900
F: (561) 881-5694
SERVICE KING WEST PALM BEACH1840 SR-710
RIVIERA BEACH FL 33404
email: ccc@serviceking.com
P: (561) 841-0147
F: (561) 841-0437
EUROPEAN PAINT & BODY II1694 Donna Rd
WEST PALM BEACH FL 33409
email: frankf@europeanwpb.com
P: (561) 687-8088
F: (561) 687-7311
PALM BEACH TOYOTA2835 Ranch House Rd
WEST PALM BEACH FL 33406
email: anthony.ramos@penskeautomotive.com
P: (561) 242-4460
F: (561) 242-4485
GONZ COLLISION CENTER_CF1401 N DIXIE HWY
LAKE WORTH FL 33460
email: robertg@gonzcollisioncenter.com
P: (561) 588-1401
F: (561) 585-3834

– Weather

What is the weather like in Port St. Lucie and how could this affect your insurance rate?

Check out the table below for average temperatures in Port St. Lucie, Florida. The data from the following table is brought to you by U.S. Climate Data.

Port St. Lucie, Florida WeatherDetails
Annual High Temperature81.7°F
Annual Low Temperature64.6°F
Average Temperature73.15°F
Average Annual Precipitation (Rainfall)53.77 inch

The weather pattern in Port St. Lucie might not affect your car insurance rate as much as the natural disaster rate does.

According to City-Data.com, the number of natural disasters in St. Lucie County (two) is a lot smaller than the US average (13).

  • Major Disasters (Presidential) Declared: one
  • Emergencies Declared: one

Both of these natural disasters declared were hurricanes. Please note some incidents may be assigned to more than one category. Weather comes and goes, but how do we protect our vehicles when a disaster strikes?

Sometimes there isn’t really anything you can do to protect your vehicle from a natural disaster such as a hurricane or a tornado, however, having comprehensive coverage will help you cover those repair bills when you’ve been through a devastation.

A comprehensive car insurance policy covers you if you have been involved in a collision – but it also covers you if the damage to your vehicle has been done by flood, hail, earthquake, hurricane, etc. Having comprehensive coverage could save hundreds of thousands of dollars in the long run, especially if you live in a state where natural disasters happen on a frequent basis.

– Public Transit

Sometimes it can be easier to hop on a bus than to get in your car, sit and drive through traffic, and then try to find parking for your vehicle.

The Treasure Coast Connector is a bus that serves the St. Lucie County. You can even take your bike on the bus. The TCC has seven fixed routes and only stops at designated bus stops. For more information regarding the TCC, please visit the TreasureCoastConnector.com.

Thanks to a generous grant from the Florida Department of Transportation (FDOT), all fares on the Treasure Coast Connector, Community Transit System are free for St. Lucie County residents until the end of 2019. Please enjoy the ride along our beautiful Treasure Coast.

Customer service can be reached by calling: 772-464-8878.

– Alternative Transportation

Looking for alternative transportation?

Currently, scooter services are not available in Port St. Lucie, but they could become available to residents in the near future. If you’re interested in trying a scooter service as a method of travel, head down south to Fort Lauderdale, Key Biscayne or Miami to try it out.

– Parking in Metro Areas

Even if you live in the smallest city in the world, trying to find parking can still be a pain. Since Port St. Lucie is a relatively small city in Florida, parking isn’t usually an issue. If you’d like to learn more about parking violations and parking information, please visit stlucieco.gov.

Do you need to charge your electronic car while out on the town? Visit Chargehub.com to find the closest electronic charging station near you at any given time.

– Air Quality in Port St. Lucie

Even though vehicle air pollution is basically non-existent today, there is still a concern for air quality.

The following table indicates the air quality in St. Lucie County, based on the Environmental Protection Agency’s reports from 2016, 2017, and 2018.

St. Lucie County Air Quality Index201620172018
Days with AQI329339360
Good Days309319342
Days Moderate201918
Days Unhealthy for Sensitive Groups010
Days Unhealthy000
Days Very Unhealthy000

Notice that there were zero unhealthy or very unhealthy days in the air quality index for St. Lucie County during 2016, 2017, or 2018. This speaks volumes about the excellent air quality in the city of Port St. Lucie, Florida and the surrounding area.

Military/Veterans

If you are or have been in the military, you should be eligible for a military car insurance discount depending on which insurance company you use. USAA exclusively serves military members, veterans and their families.

Port St. Lucie, FL has a large population of military personnel who served in Vietnam, 1.85 times greater than any other conflict. The data below from Data USA shows the most common service period for veterans who currently live in Port St. Lucie.

There are quite a few military bases located in the state of Florida.

  • Eglin Air Force Base
  • Hurlburt Field
  • MacDill Air Force Base
  • Naval Air Station Jacksonville
  • Naval Air Station Key West
  • Naval Air Station Pensacola
  • Naval Air Station Whiting Field
  • Naval Station Mayport
  • Naval Support Activity Panama City
  • Pensacola Florida Military Bases
  • Tyndall Air Force Base
  • United States Southern Command

The following insurance companies listed below provide military discounts:

  • Allstate
  • Esurance
  • Farmers
  • Geico
  • Liberty Mutual
  • MetLife
  • Safe Auto
  • Safeco
  • State Farm
  • The General
  • USAA

The following table shows USAA’s rates compared to other major car insurance companies’ rates.

GroupAverage
Allstate$7,112.61
GEICO$4,166.17
Liberty Mutual$5,231.10
Nationwide$4,050.00
Progressive$5,346.12
State Farm$3,131.79
USAA$2,700.25

Unique City Laws

Not every U.S. city has the same driving laws. Knowing Port St. Lucie’s city-specific driving laws could help you avoid fines and accidents – it may even land you an extra $25.

One of the weirdest laws in the state of Florida relating to driving is that if an elephant is left tied to a parking meter, the parking fee has to be paid just as it would for a vehicle.

While there really aren’t anymore weird driving laws, Port St. Lucie does have an issue with building “tiny houses”. According to Community Development Director Mark Mathes, Indian River County (a county that borders St. Lucie County) has had about a half-dozen tiny-house requests in recent years, but allowing them would require a change to the county’s code.

Currently, in Fellsmere, Florida, the minimum house size is 1,000 square feet, and the building must have a one-car garage.

Most zoning in Sebastian, Florida has minimum home sizes, with 1,200 square feet, plus at least a one-car garage, the smallest. According to TC Palm, the tiny-house industry looking to take off in Florida, legislators such as Eskamani think miniature dwellings could be attractive to millennials and seniors wanting to own their own homes without significant costs.

What about texting and driving?

In case you missed it, it is illegal to text and drive in the state of Florida.

Port St. Lucie Car Insurance FAQs

Before you start comparing car insurance rate for Port St. Lucie, Florida, look below for a quick car insurance Q & A section.

– Where Should I Not Move to in Port St. Lucie?

  • Northeast Port St. Lucie borders south Fort Pierce, Florida along US-1. South Fort Pierce is a lot more crime heavy than most parts of Port St. Lucie. For that reason, we’d suggest staying away from this area.

– What Type of Car Insurance Do I Need in Port St. Lucie?

  • In order to register and drive a four-wheeled vehicle in Florida, vehicle owners must at least carry minimum liability insurance:
    • $10,000 in personal injury protection (PIP) benefits, and
    • $10,000 in property damage liability (PDL) benefits (which kick in if you damage someone else’s vehicle or other property in an accident).

– How Far is Port St. Lucie from Disney World?

  • Port St. Lucie, Florida is approximately 127 miles southeast of Disney World in Orlando, Florida. By car, it might take the average driver about two hours to get there.

– What are some of the Best Beaches in Port St. Lucie?

  • Jensen Beach, located just a couple of miles from Port St. Lucie Florida was voted the number one beach by Yelp in Port St. Lucie. Blind Creek Beach and Bathtub Reef Beach are also great beaches in Port St. Lucie.

– How do I get SR22 or FR-44 Insurance in Port St. Lucie?

  • To apply for SR-22 insurance, start by calling your current insurance provider and ask if they have an SR-22 policy for high-risk drivers. SR-22 insurance isn’t a separate type of auto insurance, but it is an auto insurance policy that has an SR-22 endorsement attached. An SR-22 form can also be attached to a motorcycle insurance policy. In order to reinstate your license, you need to purchase a policy that meets Florida’s required liability insurance limits, and then the insurer needs to submit an SR-22 form on your behalf. This form acts as proof of coverage, letting the state know you have an insurance policy with at least:
    • $10,000 of bodily injury coverage per person in an accident
    • $20,000 of bodily injury coverage per accident
    • $10,000 of property damage coverage per accident

Now that you’re an expert on Port St. Lucie auto insurance, it’s time to start shopping for your very own Port St. Lucie, Florida auto insurance policy. To begin, use our free tool by simply entering your zip code in the box below.

Happy shopping.

References:
  1. https://datausa.io/profile/geo/los-angeles-county-ca/?compare=port-st.-lucie-fl
  2. https://www.fhwa.dot.gov/
  3. http://www.calculatorpro.com/calculator/insurance-cost-calculator/
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  5. https://datausa.io/profile/university/fortis-institute-port-saint-lucie
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  7. http://floridasturnpike.com/TollCalc/index.htm
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  9. https://www.sunpass.com/en/signup/transponderclassify.shtml
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  12. https://www.tcpalm.com/story/news/local/shaping-our-future/roads/2016/11/18/treasure-coast-has-more-traffic-cameras-but-whos-watching-you/93811170/
  13. https://www.yourmechanic.com/article/the-most-popular-cars-in-american-cities
  14. https://www.speedtrap.org/florida-speed-trap-cities/
  15. https://www.speedtrap.org/
  16. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/florida.xls
  17. https://www.neighborhoodscout.com/fl/port-st-lucie/crime
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  19. https://www.usclimatedata.com/climate/fort-pierce/florida/united-states/usfl0156
  20. http://www.city-data.com/city/Port-St.-Lucie-Florida.html
  21. http://treasurecoastconnector.com/
  22. https://www.stlucieco.gov/about/advanced-components/search?q=parking
  23. https://chargehub.com/en/countries/united-states/florida/port-st-lucie.html?city_id=4985
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  26. https://www.yelp.com/search?cflt=beaches&find_loc=Port+St.+Lucie%2C+FL

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