Cheapest Car Insurance Quotes in Fort Pierce

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Fort Pierce Car Insurance

^$ 70

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Fort Pierce

The car insurance rate in Fort Pierce is $1660 for a six-month policy, which is $51 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1049, making it a popular choice for budget-conscious drivers. Rates in Fort Pierce can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Fort Pierce

$1660

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Fort Pierce

1st place: Travelers

At $1049 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1095 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1147 for six months, making it the third cheapest auto insurance company in Fort Pierce.

Fort Pierce Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Pierce, FL is Travelers, offering policies at just $1049 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1095.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2316 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Pierce drivers find the best deals.

Cheap Car Insurance Companies in Fort Pierce, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1049	$177
State Farm	$1095	$184
Nationwide	$1147	$193
United Automobile Ins Group	$1325	$225
UAIC	$1464	$246
Progressive	$1729	$291
Mercury	$2501	$417
Allstate	$2518	$424
MetLife	$1458	$248
Farmers	$2316	$386

Key Takeaways

Way's key takeaways about car insurance in Fort Pierce

The auto insurance costs in Fort Pierce fall around $1049 for six months.
The cheapest auto insurance company in Fort Pierce is Mercury.
Teen drivers pay the highest rate in Fort Pierce at $1340 per month.

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Cheapest Minimum Liability Car Insurance in Fort Pierce

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Fort Pierce are given below.

Mercury provides the cheapest minimum car insurance coverage in Fort Pierce. Their Average 6 Month Premium is $415. Farmers is the most expensive at $639 for the same period.

Cheapest Liability Coverage in Fort Pierce, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$415	$70
Nationwide	$461	$79
MetLife	$484	$81
AIG	$541	$92
United Automobile Ins Group	$697	$116
Travelers	$807	$136
State Farm	$1193	$201
Progressive	$1993	$336
Allstate	$2236	$376
UAIC	$2610	$444
Patrons Insurance	$121	$20
Farmers	$639	$107

Cheapest Full Coverage Car Insurance in Fort Pierce

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Fort Pierce is Travelers at $177 per month and $1049 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Pierce, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1049	$177
State Farm	$1095	$184
Nationwide	$1147	$193
United Automobile Ins Group	$1325	$225
UAIC	$1464	$246
Progressive	$1729	$291
Mercury	$2501	$417
Allstate	$2518	$424
MetLife	$1458	$248
Farmers	$2316	$386

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Average Car Insurance in Fort Pierce by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Fort Pierce, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Fort Pierce, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Fort Pierce's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Fort Pierce

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Fort Pierce,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Fort Pierce at $87 per month. At $7876 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$525	$87
AIG	$709	$120
Travelers	$1895	$319
State Farm	$2340	$394
United Automobile Ins Group	$3267	$544
UAIC	$3347	$569
Allstate	$4978	$838
Mercury	$6142	$1034
Progressive	$9029	$1520
Farmers	$7876	$1340

Teen Car Insurance Rates in FL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Fort Pierce, Nationwide is the cheapest car insurance provider. At $628 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Fort Pierce is Farmers, offering rates of around $3204 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$628	$107
Mercury	$686	$114
Direct General Insurance	$715	$121
UAIC	$1470	$244
Travelers	$1740	$293
Progressive	$4650	$775
Allstate	$4978	$847
State Farm	$6234	$1039
Farmers	$3204	$545

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Car Insurance Rates with An Accident in Fort Pierce

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Fort Pierce, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Pierce

The cheapest car insurance companies after an at-fault accident in Fort Pierce include Nationwide and AIG, offering $663 and $847, respectively. Farmers is an expensive provider with an average six-month premium of $3232.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$663	$111
AIG	$847	$144
State Farm	$1072	$180
Travelers	$1089	$183
United Automobile Ins Group	$1723	$287
Mercury	$1780	$300
UAIC	$1924	$321
Progressive	$3175	$534
Allstate	$4402	$741
Farmers	$3232	$538

Fort Pierce Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Pierce FL. For example, the car insurance in Fort Pierce after a DUI increases to $910 for a six month policy. While the rate increases by $277 for a six-month policy in the case of a speeding ticket.

Fort Pierce auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1769	$295
One Med/PIP claim	$1769	$301
Not-at-fault accident	$1913	$319
Two Med/PIP claims	$1965	$334
One comp claim	$1993	$333
Child safety restraint	$1999	$340
Failure to wear a seat belt	$1999	$334
Driving without lights	$2005	$340
Failure to show documents	$2005	$335
Speeding 6 - 10 MPH over limit	$2046	$348
Improper passing	$2052	$341
Passing school bus	$2052	$349
Wrong way/wrong lane	$2052	$341
Failure to stop at a red light	$2057	$350
Failure to yield	$2057	$342
Illegal turn	$2057	$350
Cell phone violation	$2063	$343
Driving with expired registration	$2063	$351
Following too closely	$2063	$343
Texting while driving	$2068	$352
Two comp claims	$2115	$352
Driving too slowly	$2126	$362
Speeding in school zone	$2126	$354
Speeding 11 - 15 MPH over limit	$2132	$363
In 65 MPH zone	$2207	$368
Speeding 16 - 20 MPH over limit	$2207	$375
Speeding 21 - 25 MPH over limit	$2218	$370
Open container	$2242	$381
Operating a vehicle without permission	$2242	$373
At-fault accident - less than $1000	$2432	$413
At-fault accident - $1000-$2000	$2472	$412
At-fault accident - greater than $2000	$2472	$420
Racing	$2673	$445
DUI	$2679	$456
Refusal to submit to a chemical test	$2679	$446
Driving with a suspended license	$2726	$464
Reckless driving	$2783	$464
Leaving scene of an accident/hit and run	$2812	$478

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Fort Pierce after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Fort Pierce.

The cheapest car insurance premiums in Fort Pierce are offered by AIG at $623 for a six-month policy. However, it can be as expensive as $2634 with companies like Farmers.

Fort Pierce car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$623	$106
Travelers	$1193	$201
State Farm	$1481	$249
Progressive	$1642	$276
Allstate	$2224	$374
UAIC	$2610	$435
Farmers	$2634	$438

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Fort Pierce are offered by Nationwide at $541. However, it can be as expensive as $2812 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Fort Pierce after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$541	$90
State Farm	$864	$146
Travelers	$1066	$179
UAIC	$1470	$250
Allstate	$1590	$268
Progressive	$3734	$634
Farmers	$2812	$478

Car Insurance Price Trends in Fort Pierce, Florida

Car insurance rates in Fort Pierce have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Fort Pierce rose by $275 in March compared to $248 of February. In other words, there has been an increase by $27 when you compare March and February.

The average cost of liability insurance in the Fort Pierce rose to $186 in March, compared to $81 in February. This represents an increase of $105 when comparing March and February.

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Average Car Insurance Cost in Fort Pierce by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Fort Pierce. At $1941 for a six-month policy, insuring your car at 34951 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
34951	$1941	$325
34950	$1941	$325
34982	$2074	$347
34981	$1742	$292
34949	$1775	$297
34947	$1892	$317
34946	$1759	$295
34945	$1742	$292

Frequently Asked Questions

How much is car insurance in Fort Pierce?

The car insurance in Fort Pierce is $70 per month, which is lower than the national average.

What is the cheapest car insurance in Fort Pierce?

The cheapest car insurance in Fort Pierce is $177 per month for full coverage.

How much is car insurance in Fort Pierce for teenagers?

Car insurance for teenagers costs $525 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Fort Pierce?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $278 per month to insure your car in Fort Pierce.

Is car insurance expensive in Fort Pierce?

Car insurance can be expensive in Fort Pierce if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Fort Pierce can be affordable.

Cheapest Car Insurance Quotes in Fort Pierce

Why you can trust Way?

How Much Is Car Insurance in Fort Pierce

Avg. Car Insurance in Fort Pierce

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Fort Pierce

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Fort Pierce Car Insurance Rates by Company

Cheap Car Insurance Companies in Fort Pierce, FL

Way's key takeaways about car insurance in Fort Pierce

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fort Pierce

Cheapest Liability Coverage in Fort Pierce, FL

Cheapest Full Coverage Car Insurance in Fort Pierce

Cheapest Full Coverage Car Insurance Quotes in Fort Pierce, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fort Pierce by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Fort Pierce, FL increasing?

Car Insurance Premiums by Age in Fort Pierce

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fort Pierce,FL

If you are in your twenties N/A is the best choice for car insurance in Fort Pierce.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Fort Pierce

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Pierce

Fort Pierce Car Insurance Rates by Violation

Fort Pierce auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fort Pierce after a DUI

Fort Pierce car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fort Pierce after Speeding ticket

Car Insurance Price Trends in Fort Pierce, Florida

Average Car Insurance Cost in Fort Pierce by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fort Pierce, FL

Car Insurance Rates by State in the USA (2025 Update)

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