Table of contents
How much is car insurance in Saint Augustine?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $37 a month cheaper to insure your vehicle in Saint Augustine than it is in the rest of Florida.
Conversely, Saint Augustine residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $5 more for coverage in Saint Augustine than in the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Saint Augustine, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Saint Augustine and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay $70 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates creep back up a bit once you hit retirement age in Saint Augustine.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in average rates in Saint Augustine totals about $6 per month. As you can see in the table above, male drivers in the area typically pay $88 on average, while female drivers typically pay $82 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Saint Augustine, a driving record with a single accident will usually get you a rate around $106 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $98.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$46|
|15 Years or Older||$78|
According to the first table above, SUVs are by and large the cheapest vehicles to insure in Saint Augustine, with drivers paying around $77 per month to insure their vehicle.
Car owners, on the other hand, typically pay around $88 a month, while truck and van drivers can expect to pay about $78 per month to insure their vehicle.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Saint Augustine, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$93|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Saint Augustine as well, where the difference is around $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$123|
Another factor taken into consideration is your housing status. Drivers who own property in Saint Augustine can expect to pay around $16 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Saint Augustine, FL
Recent trends in car insurance for Saint Augustine drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
Car insurance rates in Saint Augustine rose from 2016-2017, before turning downward from 2018-2020. They finished up in 2021 at $93.
How does Saint Augustine compare to neighboring areas?
Why are car insurance rates in Saint Augustine different from other areas?
Car insurance companies look at many factors when they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Community regulations
- Road Safety (total number of local car accidents)
- Area crime rates
- Availability of off-street parking
- Number of drivers
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Saint Augustine?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing plans in Saint Augustine.
Saint Augustine Insurance FAQs
What factors affect car insurance quotes in Saint Augustine?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Saint Augustine different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Saint Augustine?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Saint Augustine?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Saint Augustine or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.