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How much is car insurance in Saint Augustine?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $37 a month cheaper to insure your vehicle in Saint Augustine than it is in the rest of Florida.
That being said drivers in Saint Augustine may pay higher rates than the rest of the country. It's about $6 more for coverage in Saint Augustine than in the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down the average rates for Saint Augustine to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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Saint Augustine Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $61 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may creep back up in Saint Augustine.
Saint Augustine Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This is true in Saint Augustine, where women pay around $4 less per month. Looking at the table above, you can see that female drivers pay around $84 on average, while male drivers typically pay $88 each month.
Saint Augustine Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Saint Augustine, having a single accident on your record will usually get you rates around $102 a month. In addition, drivers with one ticket can expect to pay around $109 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Saint Augustine Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$85|
In Saint Augustine, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $74 per month for auto insurance.
Car owners, on the other hand, usually pay around $92 a month, while SUV 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 be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Saint Augustine, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Saint Augustine Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$92|
Generally speaking, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
In Saint Augustine, the difference in rates based on relationship status can be as much as $13 a month.
Saint Augustine 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 property. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
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.
The cost of car insurance coverage in Saint Augustine dropped from 2017-2020, before steadying out in 2021. Car insurance rates finished down in 2022, at $87 a month
How does Saint Augustine compare to neighboring areas?
Why are car insurance rates in Saint Augustine different from other areas?
There are a variety of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. Many factors affecting your policy are based around your home address. These factors include things like:
- Road Safety (frequency of local car accidents)
- Off-street parking accessibility
- Total number of drivers in the area
- Prevalence of crime
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer policies in Saint Augustine.
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Saint Augustine Auto Insurance FAQs
What factors affect car insurance quotes in Saint Augustine?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus 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, crime rates, and parking situations -- 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 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?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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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