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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 $11 a month more expensive than it is in Saint Cloud.
If you're considering relocating to Saint Cloud from out of state, you may want to budget a little extra for your insurance. You can expect to pay about $31 more for your policy in Saint Cloud.
While these numbers are the average rates for auto insurance in Saint Cloud, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down average rates for Saint Cloud residents so that you can get a more accurate idea of what you might 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 more time you have behind the wheel, the more experienced of a driver you should be. When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement age, however, you may see your rates climb back up in Saint Cloud.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. While male drivers actually pay a little bit less than female drivers on their monthly auto coverage, the difference in Saint Cloud is only about $1 per 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 fewer accidents and tickets will pay significantly less than those with multiple infractions. In Saint Cloud, having a single accident on your record will usually get you rates around $158 a month. In addition, drivers with a single ticket on their record can expect to pay around $268 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$132|
|15 Years or Older||$107|
In terms of affordable coverage, the cheapest vehicles to insure in Saint Cloud are usually SUVs, at $90 per month.
SUV owners will see rates of about $90, while truck and van owners typically pay around $131 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. 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 close to 5 years old. In Saint Cloud, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$117|
On average, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award 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 $32 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||$147|
One other element taken into consideration is your living situation. Those who own their own home in Saint Cloud can expect to pay around $10 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Saint Cloud, FL
Recent trends in car insurance for Saint Cloud drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The rates for car insurance in Saint Cloud increased from 2016-2017, but began to turn downward in 2018. This pattern has continued through 2021 when rates have most recently hit $97 per month.
How does Saint Cloud compare to neighboring areas?
Why are car insurance rates in Saint Cloud different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Amount of drivers in the region
- Regional crime rates
- Off-street parking accessibility
- Road Safety (total number of local car accidents)
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Saint Cloud?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Saint Cloud.
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 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 Cloud different from other neighboring cities?
Things like local laws, crime rates, and parking situations, 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 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?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Saint Cloud or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.