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How much is car insurance in Saint Cloud?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Saint Cloud are about $13 a month cheaper than in the rest of Florida.
Conversely, residents of Saint Cloud might expect to pay higher rates for coverage than the rest of the country. It's about $30 more expensive for coverage in Saint Cloud than the average rates for the U.S. as a whole.
Bear in mind that while these rates represent the expected monthly payments for Saint Cloud residents, it doesn't mean that's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down the average rate for Saint Cloud residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Saint Cloud Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay $70 more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Saint Cloud drivers may see their rates rise again once they hit retirement age.
Saint Cloud Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Saint Cloud, although women do pay slightly less on their monthly premiums, the cost is about the same for either group.
Saint Cloud Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay much less than those with accidents or violations. Drivers in Saint Cloud with a single accident on their record will usually see rates around $146 a month. Similarly, drivers with one ticket will typically pay around $181 on average.
Saint Cloud Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$121|
|15 Years or Older||$106|
As you can see in the first table above, the cheapest vehicles to insure in Saint Cloud are usually SUVs, which run about $95 per month.
Car owners will see rates of about $118, while truck and van owners by and large pay around $108 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. In Saint Cloud, vehicles eleven-to-fourteen years old are the most expensive to insure.
Saint Cloud Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$116|
More often than not, those who have settled down into marriage will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Saint Cloud reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $31 a month.
Saint Cloud Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$139|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $6 a month more than if you own your own home in Saint Cloud. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Saint Cloud, FL
Recent trends in car insurance for Saint Cloud drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of auto insurance in Saint Cloud had been decreasing from 2017-2020, before steadying out in 2021. Rates finished down in 2022, at $91 a month
How does Saint Cloud compare to neighboring areas?
Why are car insurance rates in Saint Cloud different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Crime levels
- Community regulations
- Total number of drivers in the area
- Road Safety (total number of local car accidents)
- Amount of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Saint Cloud?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But wait! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Saint Cloud.
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Saint Cloud Auto Insurance FAQs
What factors affect car insurance quotes in Saint Cloud?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Saint Cloud different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Saint Cloud?
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 Cloud?
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 Cloud 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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