Best Cheap Homeowners Insurance in Port St. Lucie, FL 2025

In Port St. Lucie, State Farm provides the cheapest policy, with average annual rates of $2,640. However, keep in mind that the best insurer for you may vary based on your unique circumstances and requirements.

Port St. Lucie experiences approximately 2,000 residential burglaries annually. Additionally, Port St. Lucie’s rates climb with tornadoes, flooding, and rising rebuild costs.

To help people navigate the tough home insurance market, I researched several options to find you the best and cheapest home insurance companies in Port St. Lucie, FL.

Cheapest Homeowners Insurance in Port St. Lucie – State Farm

State Farm is the cheapest overall carrier for homeowners insurance in Port St. Lucie, FL, with an average annual rate of $2,640.

Cheapest Homeowners Insurance In Port St. Lucie If You Have Poor Credit – State Farm

If your credit score is poor, State Farm provides the most affordable solution, with an average annual rate of $3,107.

Cheapest Homeowners Insurance In Port St. Lucie For Older Homes – State Farm

For those with older homes, State Farm offers the cheapest rates, averaging $3,947 per year.

Older homes often come with unique risks and maintenance issues, which can drive up insurance costs.

Cheapest Homeowners Insurance for Newly Constructed Homes – State Farm

If you’re the proud owner of a newly constructed home, State Farm offers the most cost-effective solution, with an average annual rate of $2,206.

Cheapest Home Insurance In Port St. Lucie for a History of Claims – Florida Peninsula

For homeowners with a history of claims, Florida Peninsula provides an affordable solution, with an average annual rate of $5,405.

A history of claims can raise red flags for insurers, often leading to higher premiums.

Best Homeowners Insurance Companies in Port St. Lucie, FL

To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in Port St. Lucie, FL. These companies have been assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability.

Take a look at our comparison chart below and find the perfect fit for your home insurance needs.

How Much Is Homeowners Insurance In Port St. Lucie, FL?

The average cost of home insurance in Port St. Lucie is approximately $4,874 per year. It’s important to understand that rates are not a one-size-fits-all matter. They can fluctuate significantly based on a myriad of factors.

As you can see below, rates in Port St. Lucie are lower than the National average as well as the Florida State average.

Average Port St. Lucie Home Insurance Rates By ZIP Code

The cost of homeowners insurance in Port St. Lucie, FL, can vary significantly based on the ZIP code.

The table below showcases average rates for different zip codes in Port St. Lucie.

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Cheapest ZIP Codes For Home Insurance In Port St. Lucie

At $2,358 per year, the ZIP code 34984 is the cheapest average ZIP code for home insurance in Port St. Lucie.

Most Expensive ZIP Codes For Home Insurance In Port St. Lucie

The most expensive ZIP code in Port St. Lucie is 34982, at an average annual premium of $4,800.

Average Home Insurance Rates In Port St. Lucie, FL By Deductible Amount

The deductible amount chosen for a homeowners insurance policy significantly affects the premium rates in Port St. Lucie, FL. Generally, a higher deductible means lower premiums, but you’ll pay more out of pocket if you need to make a claim.

Here’s how the average home insurance rates in Port St. Lucie fluctuate with insurers for different deductible amounts:

Average Home Insurance Rates In Port St. Lucie, FL By Coverage Amount

One of the key components that influences your premium is the dwelling coverage amount. This is the maximum amount your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.

The table below outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.

Compare Home Insurance Rates To Other Cities In Florida

The following table shows the average rates of home insurance across various cities in Florida.

Bundle Home With Auto Insurance

Bundling your homeowners insurance with your auto insurance is a popular way to lower premiums. Many insurance providers offer discounts when you combine multiple policies, as they see it as an opportunity to retain you as a customer across different types of coverage. The savings from bundling can vary, but it’s common to see discounts ranging from 10% to 15% on your home insurance premium.

This method can be especially useful for homeowners who already have an auto insurance policy. By consolidating both policies with the same insurer, you simplify your insurance management and may receive better overall customer service. In addition to lower premiums, bundling may also provide more flexible payment options and potentially higher coverage limits.

Before deciding to bundle, it’s important to compare the total cost of bundling with the cost of purchasing separate policies. While bundling may offer discounts, it’s still worth ensuring that each individual policy provides the coverage you need at a reasonable rate.

How To Get Homeowners Insurance In Florida

With informative sites like Insuranceopedia, finding the best coverage for your unique needs is just a few clicks away. By providing quick online quotes from a variety of top-rated insurers, Insuranceopedia helps you to compare rates at a glance.

Just input your details and let us do the hard work, presenting you with a range of options tailored to your requirements. This way, you can confidently choose a policy that offers the highest value, balancing cost with comprehensive coverage.