Best Cheap Auto Insurance in St. Augustine, FL (2021)

The average St. Augustine, FL auto insurance rates are $321 per month. The minimum auto insurance in St. Augustine is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in St. Augustine, Florida, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in St. Augustine is USAA
  • The minimum auto insurance required in St. Augustine, Florida is 10/20/10
  • The most expensive auto insurance company in St. Augustine for teen drivers is Allstate

St. Augustine, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in St. Augustine can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in St. Augustine, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in St. Augustine to other Florida cities, including Tampa auto insurance rates, Tallahassee auto insurance rates, and Hialeah auto insurance rates to see how St. Augustine, Florida auto insurance rates stack up.

Before you buy St. Augustine, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free St. Augustine, Florida auto insurance quotes.

Minimum Auto Insurance in St. Augustine, Florida

St. Augustine, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in St. Augustine, Florida.

Minimum Required Auto Insurance Coverage in St. Augustine, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap St. Augustine, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in St. Augustine, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in St. Augustine, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,965 $3,822 $3,466 $3,541 $13,895 $15,160 $4,023 $4,105
GEICO $2,572 $2,585 $2,408 $2,408 $4,636 $5,863 $2,839 $2,891
Liberty Mutual $2,689 $2,689 $2,476 $2,476 $5,535 $8,451 $2,689 $3,595
Nationwide $2,428 $2,402 $2,171 $2,246 $5,847 $7,219 $2,675 $2,791
Progressive $3,196 $3,027 $2,771 $2,957 $9,147 $10,034 $3,859 $3,720
State Farm $1,652 $1,652 $1,500 $1,500 $4,848 $6,221 $1,830 $1,979
USAA $1,402 $1,379 $1,307 $1,298 $4,778 $5,574 $1,752 $1,894

Cheap St. Augustine, Florida Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in St. Augustine, Florida is a challenge. Take a look at the annual teen auto insurance rates in St. Augustine, Florida.

Annual Auto Insurance Rates for Teen Drivers in St. Augustine, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,895 $15,160
GEICO $4,636 $5,863
Liberty Mutual $5,535 $8,451
Nationwide $5,847 $7,219
Progressive $9,147 $10,034
State Farm $4,848 $6,221
USAA $4,778 $5,574

Cheap St. Augustine, Florida Auto Insurance for Seniors

What are senior auto insurance rates in St. Augustine, Florida? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in St. Augustine, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,466 $3,541
GEICO $2,408 $2,408
Liberty Mutual $2,476 $2,476
Nationwide $2,171 $2,246
Progressive $2,771 $2,957
State Farm $1,500 $1,500
USAA $1,307 $1,298

Cheap St. Augustine, Florida Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in St. Augustine, Florida compared to the annual auto insurance rates with a clean record in St. Augustine, Florida.

Annual St. Augustine, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,597 $6,687 $7,480 $6,225
GEICO $2,282 $2,916 $4,340 $3,563
Liberty Mutual $2,824 $3,599 $5,107 $3,770
Nationwide $2,972 $3,253 $4,369 $3,297
Progressive $3,811 $5,661 $4,754 $5,130
State Farm $2,423 $2,872 $2,648 $2,648
USAA $1,898 $2,340 $3,464 $1,989

Cheap St. Augustine, Florida Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in St. Augustine, Florida is not easy. Compare the annual rates for DUI auto insurance in St. Augustine, Florida to find the best deal.

Annual Auto Insurance Rates After a DUI in St. Augustine, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,480
GEICO $4,340
Liberty Mutual $5,107
Nationwide $4,369
Progressive $4,754
State Farm $2,648
USAA $3,464

Cheap St. Augustine, Florida Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how St. Augustine, Florida annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in St. Augustine, Florida

Insurance Company Poor Fair Good
Allstate $9,027 $5,762 $4,702
GEICO $4,775 $2,886 $2,165
Liberty Mutual $4,889 $3,623 $2,963
Nationwide $4,327 $3,194 $2,897
Progressive $6,283 $4,478 $3,756
State Farm $3,611 $2,378 $1,955
USAA $3,920 $1,934 $1,415

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Cheap St. Augustine, Florida Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in St. Augustine, Florida can vary. Compare the annual cost of auto insurance by ZIP code in St. Augustine, Florida to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in St. Augustine, Florida

ZIP Code Average Annual Rates
32084 $2,985
32086 $2,969
32092 $2,985
32095 $2,985

Cheap St. Augustine, Florida Auto Insurance Rates By Commute

Commute length and annual mileage affect St. Augustine, Florida auto insurance. Find the cheapest annual St. Augustine, Florida auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in St. Augustine, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,310 $6,685
GEICO $3,259 $3,292
Liberty Mutual $3,706 $3,944
Nationwide $3,473 $3,473
Progressive $4,839 $4,839
State Farm $2,561 $2,735
USAA $2,396 $2,450

Cheap St. Augustine, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in St. Augustine, Florida? Check out the comparison of annual St. Augustine, Florida auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in St. Augustine, Florida

Insurance Company Low Medium High
Allstate $5,128 $6,806 $7,558
GEICO $2,695 $3,391 $3,740
Liberty Mutual $3,514 $3,880 $4,081
Nationwide $2,762 $3,606 $4,049
Progressive $4,041 $4,953 $5,522
State Farm $2,269 $2,710 $2,964
USAA $2,091 $2,510 $2,669

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Best By Category: Cheapest Auto Insurance in St. Augustine, Florida

Compare the cheapest auto insurance companies in St. Augustine, Florida in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in St. Augustine, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest St. Augustine, Florida Auto Insurance Companies

What auto insurance companies in St. Augustine, Florida are the cheapest? Compare the top St. Augustine, Florida auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in St. Augustine, Florida

Insurance Company Average Annual Rates
Allstate $6,497
GEICO $3,275
Liberty Mutual $3,825
Nationwide $3,473
Progressive $4,839
State Farm $2,648
USAA $2,423

What affects auto insurance rates in St. Augustine, Florida?

There are a lot of reasons why auto insurance rates in St. Augustine, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in St. Augustine, Florida. Many local factors may affect your St. Augustine auto insurance rates.

St. Augustine Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual St. Augustine, Florida auto theft statistics, there have been 28 auto thefts in the city.

St. Augustine Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average St. Augustine, Florida commute length is 25.7 minutes according to City-Data.

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Compare St. Augustine, Florida Auto Insurance Quotes

Before you buy St. Augustine, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free St. Augustine, Florida auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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