Finding the Best Insurance in Port St. Lucie, Florida

Port St. Lucie, located on Florida’s Atlantic coast, is a fast-growing city known for its beautiful beaches, parks, golf courses, and retirement communities. With a population of over 200,000, Port St. Lucie is the eighth largest city in Florida. Whether you’re a longtime resident or new to the area, having proper insurance coverage is essential to protecting your assets. This article explores the best options for home, auto, and other insurance policies in Port St. Lucie.

Overview of Major Insurance Providers in Port St. Lucie

Some of the top insurance companies offering coverage to Port St. Lucie residents include:

  • State Farm – National insurer with many local agents providing auto, home, life, health, and business insurance.

  • Allstate – Offers auto, homeowners, renters, motorcycle, and life insurance policies from local offices.

  • Geico – Known for affordable rates on auto insurance which can be purchased directly online or over the phone.

  • Progressive – Provides competitive quotes for auto, motorcycle, boat, RV, and commercial vehicle insurance.

  • USAA – Specializes in insurance and financial services for military members and their families.

  • Travelers – National carrier offering home, auto, boat, flood, renters, and umbrella insurance.

  • Great Florida Insurance – Local independent agents represent many top insurers for all types of coverage.

  • AAA – Auto club that offers members competitive pricing on insurance products.

  • Liberty Mutual – Offers broad range of P&C insurance for home, auto, life, business, disability, and more.

Types of Insurance Coverage Needed in Port St. Lucie

Here are some of the most common insurance policies Port St. Lucie residents need:

  • Homeowners Insurance – Protects your dwelling, other structures, personal property, and liability. Required for most mortgage holders.

  • Flood Insurance – Covers damage from flooding, which is excluded on standard homeowners policies. Necessary for many homes in flood zones.

  • Condo Insurance – Provides coverage for condos, appliances, liability exposures for condo associations.

  • Renters Insurance – Protects your personal belongings and liability as a tenant in a rented home or apartment.

  • Auto Insurance – Required in Florida, minimum liability limits are 10/20/10 but higher limits recommended.

  • Motorcycle Insurance – Bodily injury, property damage, medical payments, uninsured motorist, and accessories coverage.

  • Boat Insurance – Protects your vessel from physical damage, theft, liability claims, medical payments.

  • Business Insurance – Covers commercial buildings, general liability, loss of income, commercial auto, workers’ compensation.

Top Local Insurance Agencies in Port St. Lucie

Working with a knowledgeable local insurance agency is your best option for tailored coverage at the right price. Here are some top-rated local agencies in Port St. Lucie:

GreatFlorida Insurance – Annalise Fiedler

  • 787 SE Port St. Lucie Blvd, Port St. Lucie, FL 34984
  • 772-398-2333
  • Broad range of personal and commercial insurance

Dickerson & Bowen Insurance

  • 131 SW Port St. Lucie Blvd, Port St. Lucie, FL 34984
  • 772-878-2711
  • Specialists in home, auto, flood, business insurance

Christopher J Domar Agency Nationwide Insurance

  • 985 SW Gatlin Blvd, Port St. Lucie, FL 34953
  • 772-871-6333
  • Auto, home, life, retirement planning services

Prime Insurance Agency

  • 1680 SE Lyngate Dr Suite 114, Port St. Lucie, FL 34952
  • 772-337-1999
  • Independent agency with competitive pricing

Allstate Insurance – The Serago Law Group

  • 125 SW Cashmere Blvd Suite 102, Port St. Lucie, FL 34986
  • 772-621-4001
  • Award-winning Allstate agency for auto, home, life

Liberty Mutual Insurance

  • 10873 SW Village Pkwy, Port St. Lucie, FL 34987
  • 772-204-2355
  • Discounts for bundling auto and home policies

AAA Insurance

  • 10394 S Federal Hwy, Port St. Lucie, FL 34952
  • 772-340-1198
  • Auto, home, life insurance for AAA members

Tips for Finding the Best Insurance Rates

Follow these tips to make sure you get the right coverage at the lowest cost:

  • Compare quotes from at least 3 insurers before choosing a policy. Rates can vary widely.

  • Ask about bundling discounts for insuring your home and car with the same provider.

  • Maintain good credit and a clean driving record to possibly qualify for the best premium rates.

  • Choose higher deductibles to lower your premium costs. But don’t go too high.

  • Take advantage of all available discounts – multi-policy, safety features, new customer, paperless, etc.

  • Review policy limits and exclusions carefully to make sure you have adequate protection.

  • Re-evaluate policies yearly at renewal time to adjust coverage and take advantage of savings.

Why Port St. Lucie Home Insurance Is Unique

Insuring a home in Port St. Lucie requires specialized coverage due to local weather risks:

  • Hurricane Wind Damage – Port St. Lucie is located in an area with some of the highest wind speeds. Home policies include windstorm coverage.

  • Hurricane Deductibles – Insurers impose percentage deductibles (2% to 5% of dwelling value) for hurricane claims rather than fixed dollar amounts.

  • Flood Zones – Much of the city lies in high-risk flood zones, requiring flood insurance policies separate from standard homeowners insurance.

  • Sinkholes – Although less common than in other parts of Florida, sinkholes are a geological threat that require additional coverage.

  • Law and Ordinance – Covers increased rebuilding costs to meet new building codes after a major hurricane or other disaster.

A reputable local independent insurance agent like those recommended above will understand the unique risks in Port St. Lucie and how to properly insure your home.


Finding comprehensive insurance coverage at competitive rates is crucial for all Port St. Lucie residents. Working with a knowledgeable local insurance professional will ensure you get policies tailored for your specific assets and risks. Be sure to secure adequate protection for your home, vehicles, boat, business, and other valuables.

Homeowner’s Insurance in Port Saint Lucie, FL


Who has the cheapest Florida insurance?

The cheapest car insurance companies in Florida include State Farm, Geico, Travelers, Farmers and Progressive.

Does Allstate have insurance in Florida?

We’ve Got Insurance in Florida Covered. With so many attractions, it’s no wonder why the roads in Florida can be busy. This is where Allstate comes in.

What is the emergency number for Port St Lucie?

Non-Emergency Phone: Call 772-871-5000 to speak with an officer, request information about your case, or to report a non-violent crime, that is not in progress. Emergency: Call 9-1-1 for all emergencies and in progress situations.

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