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How much is car insurance in Saint Augustine?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $37 a month cheaper to insure your vehicle in Saint Augustine than it is in the rest of Florida.
On the flip side, Saint Augustine residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $5 cheaper than it is in Saint Augustine.
While these numbers represent the average monthly payments for coverage in Saint Augustine, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Saint Augustine residents so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $63 more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may start to rise again in Saint Augustine.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Saint Augustine, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Saint Augustine, a driving record with one accident will usually get you a rate around $103 a month. In addition, drivers with a single ticket on their record can expect to pay around $112 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$85|
In terms of affordable coverage, the cheapest vehicles to insure in Saint Augustine are by and large trucks and vans, at $74 per month.
Car owners, on the other hand, usually pay around $92 a month, while SUV drivers can expect to pay about $77 per month for insurance.
The age of your vehicle has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 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)||$92|
On average, people who are married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Saint Augustine, with married couples paying about $14 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$114|
Another factor taken into consideration is your housing situation. If you rent your home or apartment in Saint Augustine, expect to pay around $18 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
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.
In Saint Augustine, auto insurance rates decreased from 2017-2020, but began to increase in 2021. This trend has continued and rates reached a high of $93 a month in 2022.
How does Saint Augustine compare to neighboring areas?
Why are car insurance rates in Saint Augustine different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Area crime rates
- Rate of car accidents
- Total number of drivers in the region
- Off-street parking access
- Area regulations
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
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.
Fortunately, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing policies in Saint Augustine.
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Saint Augustine Insurance FAQs
What factors affect car insurance quotes in Saint Augustine?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Saint Augustine different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Saint Augustine?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Saint Augustine?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Saint Augustine or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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