Cheap Auto Insurance Quotes in St. Augustine, FL, for 2023

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Table of contents

Table of contents

Quick Facts

  • The average cost of car insurance in St. Augustine is $199 per month or $2,388 yearly.

  • Car insurance in St. Augustine is $132 less than the average monthly cost in Florida.

  • The cheapest top car insurance in St. Augustine on average is National General.

Car Insurance in St. Augustine, FL

The average monthly cost of car insurance in St. Augustine is $199 per month, significantly less than the state average, so drivers in the city will have an easier time finding affordable rates. That being said, it’s still well worth your time to compare car insurance quotes from as many providers as possible before committing to a policy.

Quotes by Top Companies

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Cheap Car Insurance Florida

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Cheapest Car Insurance in St. Augustine, FL

What is the cheapest car insurance in St. Augustine?

National General is the cheapest top car insurance provider on average in St. Augustine, with rates starting at $143 per month. It’s still very important to compare car insurance rates, as everyone’s situation is unique.

Even though the average monthly cost of auto insurance coverage per month comes in at $199, drivers in St. Augustine can still find cheaper rates. Auto insurance rates in the city have a wide range, but how much you pay depends on your preferences, level of coverage, and insurance needs, so make sure you take the time to compare multiple quotes and companies.

Insurance CompanyAverage Monthly Quote
National General$143
Progressive$159
Travelers$187
Bristol West$218
Liberty Mutual$220
Hugo$51
AssuranceAmerica Economy$112
Direct Auto$166
Safeco$199
AssuranceAmerica$202
Infinity$219
GAINSCO$223
Mercury$230
Dairyland$239
Pronto$260
Midvale Home & Auto$277
The General$284
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Minimum Car Insurance Requirements in Florida

All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Florida[1] are:

  • $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. Florida is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

St. Augustine Car Insurance Rates by Driving and Accident History

There are a number of factors that affect how much you pay for your policy. One thing that can make your premium skyrocket is a driving record full of violations and claims[2]. Getting speeding tickets, being at fault for accidents, and driving under the influence (DUI) can all increase your premium quite a bit, so it pays to drive safely.

Driver HistoryAverage Monthly Cost
Clean Record$206
Speeding Ticket$276
At-Fault Accident$301
DUI$410
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

See More:

High-Risk Car Insurance Florida

DUI Car Insurance Florida

St. Augustine Car Insurance Rates by Credit Tier

Another factor that impacts how much you pay for your car insurance is your credit score. Some states have outlawed this, but Florida insurance still uses it as a way to measure how likely you are to file a claim[3]. A higher credit score can lead to cheaper rates, as insurers see you as a reliable and risk-averse policyholder. Sadly, people with poor credit aren’t as lucky.

Credit TierAverage Monthly Cost
Excellent$169
Good$199
Average$219
Poor$339
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How to Get the Cheapest Car Insurance in St. Augustine

There are a number of ways to save on your car insurance. You can look for eligible discounts or bundle your auto policy with any other existing policies, like life insurance, renters insurance, or homeowners insurance. But if you don’t want to do even more research or speak with a local agent, an easy way to save is by comparing rates online.

It only takes a few minutes to compare car insurance on Insurify. We do all the work to go through millions of quotes from hundreds of insurance companies in the market to help you look at rates side by side.

Frequently Asked Questions

  • How do I find cheap car insurance in St. Augustine, FL?

    You don’t need a big brand name to make sure you’re getting a high-quality policy at a rate you can afford. Any driver can get cheap car insurance by shopping around first. With Insurify, you can compare rates side by side to make sure you’re getting the best deal possible.

  • How much does car insurance cost in St. Augustine, FL?

    On average, car insurance in St. Augustine costs around $199 per month or $2,388 annually. However, know that this number isn’t one-size-fits-all. Each person will pay a different amount based on their unique driver profile, insurance needs, and more. Also, different insurers charge different rates, even for the same amount of coverage. This is why it’s important to shop around.

  • What drives up car insurance rates in St. Augustine, FL?

    A number of different factors can drive up insurance rates. For example, if you need add-ons for reasons like increased accessibility, or extra coverage like roadside assistance, you could end up paying more. Certain aspects of your profile, like your age, driving history, credit score, vehicle type, and location down to your ZIP code, can also impact your insurance rates.

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Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

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Sources

  1. Florida Highway Safety and Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
  2. State of Florida.com. "Florida Driving Records: What's Inside and How to Get a Copy." Accessed July 22, 2022
  3. Official Internet Site of the Florida Legislature. "Use of credit reports and credit scores by insurers." Accessed July 22, 2022
Maria Sanchez
Maria SanchezInsurance Writer

Maria Sanchez is a personal finance writer specializing in auto, home, and renters insurance. With a special interest in educational content, Maria distills complex financial information to be more accessible to the greater public. She holds degrees from the University of Massachusetts and the London School of Economics.

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Danny Smith
Edited byDanny SmithInsurance Writer
Photo of an Insurify author
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.
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Compare Car Insurance Quotes Instantly

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