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

The average St. Cloud, FL auto insurance rates are $389 per month. The minimum auto insurance in St. Cloud is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in St. Cloud, 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 most expensive auto insurance company in St. Cloud for teen drivers is Allstate
  • The average commute length in St. Cloud is 35.7 minutes
  • The minimum auto insurance required in St. Cloud, Florida is 10/20/10

St. Cloud, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in St. Cloud 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. Cloud, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in St. Cloud to other Florida cities, including Port St. Lucie auto insurance rates, Miami auto insurance rates, and Fort Lauderdale auto insurance rates to see how St. Cloud, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in St. Cloud, Florida

St. Cloud, 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. Cloud, Florida.

Minimum Required Auto Insurance Coverage in St. Cloud, 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. Cloud, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in St. Cloud, 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. Cloud, 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 $4,499 $4,282 $3,909 $3,959 $15,444 $16,711 $4,431 $4,478
GEICO $3,031 $3,043 $2,830 $2,830 $5,362 $6,634 $3,333 $3,360
Liberty Mutual $3,776 $3,776 $3,454 $3,454 $8,045 $12,428 $3,776 $5,143
Nationwide $2,979 $2,932 $2,658 $2,747 $7,178 $8,803 $3,277 $3,396
Progressive $3,805 $3,590 $3,263 $3,490 $10,805 $11,755 $4,596 $4,374
State Farm $2,151 $2,151 $1,950 $1,950 $6,305 $7,999 $2,394 $2,554
USAA $1,629 $1,599 $1,527 $1,510 $5,623 $6,506 $2,031 $2,187

Cheap St. Cloud, Florida Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $15,444 $16,711
GEICO $5,362 $6,634
Liberty Mutual $8,045 $12,428
Nationwide $7,178 $8,803
Progressive $10,805 $11,755
State Farm $6,305 $7,999
USAA $5,623 $6,506

Cheap St. Cloud, Florida Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,909 $3,959
GEICO $2,830 $2,830
Liberty Mutual $3,454 $3,454
Nationwide $2,658 $2,747
Progressive $3,263 $3,490
State Farm $1,950 $1,950
USAA $1,527 $1,510

Cheap St. Cloud, 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. Cloud, Florida compared to the annual auto insurance rates with a clean record in St. Cloud, Florida.

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

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,220 $7,472 $8,263 $6,901
GEICO $2,637 $3,381 $5,053 $4,141
Liberty Mutual $3,905 $5,119 $7,508 $5,394
Nationwide $3,613 $3,975 $5,376 $4,021
Progressive $4,489 $6,681 $5,615 $6,055
State Farm $3,133 $3,731 $3,432 $3,432
USAA $2,207 $2,732 $4,051 $2,316

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

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $8,263
GEICO $5,053
Liberty Mutual $7,508
Nationwide $5,376
Progressive $5,615
State Farm $3,432
USAA $4,051

Cheap St. Cloud, Florida Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $10,131 $6,368 $5,144
GEICO $5,546 $3,351 $2,513
Liberty Mutual $7,081 $5,178 $4,185
Nationwide $5,323 $3,897 $3,519
Progressive $7,434 $5,287 $4,408
State Farm $4,714 $3,072 $2,510
USAA $4,598 $2,250 $1,632

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

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

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

ZIP Code Average Annual Rates
34769 $3,675
34771 $3,609
34772 $3,594
34773 $3,504

Cheap St. Cloud, Florida Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $7,010 $7,419
GEICO $3,785 $3,821
Liberty Mutual $5,302 $5,661
Nationwide $4,246 $4,246
Progressive $5,710 $5,710
State Farm $3,312 $3,552
USAA $2,795 $2,859

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

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

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

Insurance Company Low Medium High
Allstate $5,492 $7,607 $8,543
GEICO $3,131 $3,931 $4,348
Liberty Mutual $5,024 $5,572 $5,849
Nationwide $3,325 $4,419 $4,996
Progressive $4,780 $5,843 $6,506
State Farm $2,930 $3,516 $3,849
USAA $2,420 $2,932 $3,127

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

Compare the cheapest auto insurance companies in St. Cloud, 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. Cloud, Florida

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

The Cheapest St. Cloud, Florida Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $7,214
GEICO $3,803
Liberty Mutual $5,481
Nationwide $4,246
Progressive $5,710
State Farm $3,432
USAA $2,827

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

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

St. Cloud 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. Cloud, Florida auto theft statistics, there have been 39 auto thefts in the city.

St. Cloud Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average St. Cloud, Florida commute length is 35.7 minutes according to City-Data.

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Compare St. Cloud, Florida Auto Insurance Quotes

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