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How much is car insurance in Saint Cloud?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Florida is about $14 a month more expensive than it is in Saint Cloud.
Compared to the national average cost of auto coverage, Saint Cloud has higher rates. You can expect to pay about $28 more for your policy in Saint Cloud.
While these are the average car insurance rates for Saint Cloud, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Your monthly premium 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 Cloud and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Saint Cloud may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Saint Cloud, although men do pay a bit less on their monthly auto coverage, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records will obviously pay a lot less than those with infractions. Drivers in Saint Cloud with one accident will pay around $148 a month. In addition, drivers with one ticket can expect to pay around $181 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$121|
|15 Years or Older||$105|
If you look at the first table above, the cheapest vehicles to insure in Saint Cloud are usually SUVs, at $88 per month.
Truck and van drivers will see rates of about $109 for car insurance coverage, while car owners typically pay around $118 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Saint Cloud, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$114|
Generally speaking, married policyholders will pay slightly less for insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Saint Cloud is about $29 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$141|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $8 a month more than drivers who own property in Saint Cloud. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Saint Cloud, FL
Recent trends in car insurance for Saint Cloud drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
The cost of insurance in Saint Cloud declined from 2017-2020, before steadying out in 2021. Insurance rates finished down in 2022, at $59 a month
How does Saint Cloud compare to neighboring areas?
Why are car insurance rates in Saint Cloud different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Number of drivers
- Community laws
- Crime rates
- Off-street parking access
- Road safety
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Cloud?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer policies in Saint Cloud in no time.
Saint Cloud Insurance FAQs
What factors affect car insurance quotes in Saint Cloud?
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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Saint Cloud different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Saint Cloud?
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 Cloud?
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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Saint Cloud or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?