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Saint Cloud, Florida, sits in northern Osceola County, about 30 miles southeast of Orlando. Saint Cloud drivers pay an average rate of $130 per month for liability insurance and $225 per month for full-coverage car insurance. That’s less expensive than nearby Orlando and the Florida state average, but slightly higher than rates in Clermont. Saint Cloud’s lower population density may help keep its average car insurance rates lower than those in larger Florida cities.[1]
Saint Cloud’s average monthly rates fall below the Florida state average of $141 for liability coverage and $237 for full coverage. Florida’s car insurance requirements are lower than most states, and drivers must carry $10,000 in property damage liability and $10,000 in personal injury protection coverage.[2] But Saint Cloud drivers may want to opt for full coverage to protect their vehicles from hurricane-related damages.[3]
The following table shows the cheapest liability-only and full-coverage car insurance rates in Saint Cloud.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $76 |
| Clearcover | $81 |
| Mile Auto | $82 |
| Progressive | $82 |
| GEICO | $85 |
| Embark | $99 |
| Dairyland | $106 |
| GAINSCO | $113 |
| Direct Auto | $114 |
| Mercury | $116 |
| The General | $120 |
| Bristol West | $129 |
| Allstate | $132 |
| AssuranceAmerica | $132 |
| National General | $138 |
| Insurify Car | $143 |
| Root | $154 |
| Travelers | $156 |
| Hugo | $191 |
| Mendota | $212 |
| First Acceptance | $213 |
| Liberty Mutual | $218 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $121 |
| Progressive | $135 |
| Mile Auto | $154 |
| Mercury | $171 |
| GEICO | $177 |
| National General | $179 |
| Direct Auto | $189 |
| Bristol West | $200 |
| Clearcover | $200 |
| Allstate | $211 |
| The General | $231 |
| AssuranceAmerica | $239 |
| Embark | $243 |
| Travelers | $251 |
| GAINSCO | $269 |
| Root | $273 |
| Liberty Mutual | $282 |
| Dairyland | $304 |
| First Acceptance | $312 |
| Mendota | $330 |
Pay your first week’s premium and get immediate proof of insurance
At $178 per month, rates in Saint Cloud are slightly less expensive than in nearby Winter Haven and Orlando. St. Cloud is an inland city in Central Florida, which reduces its hurricane exposure, though all parts of Florida face some hurricane-related risks.
The following table shows how Saint Cloud’s average rates compare to those of other Florida cities.
City | Average Monthly Quote |
|---|---|
| Venice | $134 |
| Milton | $142 |
| The Villages | $143 |
| Saint Augustine | $149 |
| North Port | $150 |
| Panama City | $150 |
| Punta Gorda | $150 |
| Vero Beach | $150 |
| Port Orange | $153 |
| Eustis | $155 |
| Gainesville | $157 |
| Sarasota | $158 |
| Melbourne | $161 |
| Palm Coast | $161 |
| Cocoa | $164 |
| Naples | $164 |
| Pensacola | $164 |
| Palm Bay | $166 |
| Jupiter | $167 |
| Cape Coral | $169 |
| Tallahassee | $169 |
| Ocala | $170 |
| Largo | $172 |
| Bradenton | $175 |
| Clearwater | $175 |
| Daytona Beach | $175 |
| Port Saint Lucie | $175 |
| Lakeland | $177 |
| Winter Springs | $177 |
| Clermont | $179 |
| Winter Haven | $179 |
| Fort Myers | $180 |
| Sanford | $180 |
| Pinellas Park | $183 |
| Oviedo | $185 |
| Plant City | $185 |
| Coral Springs | $186 |
| Orange Park | $186 |
| Saint Petersburg | $186 |
| Jacksonville | $187 |
| Palm Harbor | $188 |
| Davenport | $189 |
| Apopka | $190 |
| Altamonte Springs | $192 |
| Deltona | $196 |
| Palm Beach Gardens | $197 |
| Spring Hill | $198 |
| Kissimmee | $199 |
| New Port Richey | $204 |
| Wesley Chapel | $206 |
| Orlando | $208 |
| Wellington | $212 |
| Boca Raton | $215 |
| Brandon | $215 |
| Riverview | $215 |
| Fort Lauderdale | $218 |
| Hollywood | $220 |
| North Miami Beach | $220 |
| Holiday | $223 |
| Pompano Beach | $224 |
| West Palm Beach | $224 |
| Homestead | $227 |
| Miami Beach | $227 |
| Deerfield Beach | $233 |
| Delray Beach | $239 |
| Lake Worth | $239 |
| Hialeah | $240 |
| Tampa | $241 |
| Miami | $242 |
| Boynton Beach | $255 |
| Miami Gardens | $268 |
Here are some things to consider about driving in St. Cloud:
Traffic and congestion: Saint Cloud is southeast of Orlando, so most drivers use U.S. Route 192, Florida’s Turnpike, and Narcoossee Road for daily commutes.[4] Rush-hour traffic can build up quickly, so allowing extra time for your morning and evening commutes can help you avoid delays.
Fast-growing population: St. Cloud is one of Florida’s fastest-growing cities, and its population grew from 59,090 in 2020 to 74,960 in 2025, according to the U.S. Census Bureau. Due to this growth, residents may see more construction zones and changing traffic patterns.
Severe weather: St. Cloud is at risk for severe weather, including hurricanes and tropical storms, thunderstorms, tornadoes, and even wildfires. If you park outdoors, consider finding covered parking to protect your vehicle from storm-related damage.
Risk of flooding: Different parts of the city are at risk of flooding, especially near East Lake Tohopekaliga. The city recommends avoiding driving through floodwaters, since just one foot of moving water can sweep your car away.
Liability quotes start at $76/mo.
In St. Cloud, 3% of drivers have a speeding ticket, 4% have an at-fault accident, and 0.4% have a driving under the influence (DUI) on their record, according to Insurify data. Florida is a no-fault state, so your personal injury protection (PIP) coverage pays for your medical expenses after an accident, regardless of who causes a crash.[5]
The following table shows the average Saint Cloud car insurance quotes based on different driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $178 |
| Speeding ticket | $206 |
| At-fault accident | $224 |
| DUI | $230 |
Florida requires teen drivers to log 50 hours of supervised driving, including 10 hours at night.[6] Senior drivers can receive a car insurance discount by taking an approved mature driving course.[7]
The following table shows the average monthly liability rates for St. Cloud drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $234 |
| 20s | $165 |
| 30s | $147 |
| 40s | $145 |
| 50s | $135 |
| 60s | $125 |
| 70+ | $130 |
*Quotes generated for Insurify users in and around Saint Cloud, Florida within the last 10 days. Last updated on August 24, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Saint Cloud, Florida within the last 10 days. Last updated on August 24, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
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Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
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Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
Here are answers to some of the most commonly asked questions about cheap St. Cloud car insurance.
The average cost of car insurance in Saint Cloud is $130 per month for liability coverage and $225 for full coverage. You may be able to find cheaper rates by comparing car insurance quotes and discounts.
State Farm, Clearcover, and Progressive are the cheapest insurers for Saint Cloud drivers. But your exact rate will vary depending on your driving history, deductible, age, and coverage needs, so it’s a good idea to get quotes from multiple insurers.
Depending on your insurer, you may be able to take advantage of good student, multi-policy, and bundling discounts. Telematics programs can be another good way to save by demonstrating safe driving habits.
Insurance companies consider your driving record, location, age, vehicle, and coverage limits when evaluating you for car insurance.
Florida requires all drivers to carry at least $10,000 in property damage liability coverage and $10,000 in PIP coverage, according to the Florida Department of Highway Safety and Motor Vehicles. This will satisfy the state’s minimum requirements, but likely won’t be enough coverage for most drivers.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
