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Get Cheap Car Insurance in St. Augustine Beach, FL
We monitor insurance prices, helping the average driver in St. Augustine Beach save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in St. Augustine Beach
The chart below shows the cheapest car insurance company in St. Augustine Beach for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.
| St. Augustine Beach Insurer | Monthly Cost |
|---|---|
| Geico | $113 |
| State Farm | $120 |
| Gainsco | $157 |
| Bristol West | $157 |
Savings for Every Kind of St. Augustine Beach Driver
Based on our extensive insurance data, we know the average St. Augustine Beach driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $696 per year by choosing the right vehicle insurance company. Some St. Augustine Beach residents are paying out over $2,378 extra every year for auto insurance in St. Augustine Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
St. Augustine Beach, FL Savings / Yr. |
|---|---|
$696 |
|
$1,022 |
|
$786 |
|
$778 |
|
$2,471 |
|
$675 |
|
$984 |
St. Augustine Beach Car Insurance vs. Florida
People living in St. Augustine Beach pay an average of 9.98% less than the typical driver in the state. The average driver in St. Augustine Beach can expect to pay about $2,171 per year, or $2,378 for full coverage.
Based on our analysis, Geico will be the cheapest provider in St. Augustine Beach for most people.
Car Insurance Prices by St. Augustine Beach Neighborhood
Insurance Prices
Where is insurance cheapest within St. Augustine Beach?
The map shows insurance prices in and around St. Augustine Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $176 per year within the city boundaries, with insurance premiums ranging from a high of $2,474 to a low of $2,298. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Central parts of St. Augustine Beach.Pick the Best Car Insurance Company for You in St. Augustine Beach
The best car insurance provider for most drivers in St. Augustine Beach
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $696 over the average St. Augustine Beach car insurance company.
The best car insurance provider for St. Augustine Beach drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,022 over the competition.
The best car insurance company for St. Augustine Beach drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $786 better than other car insurance companies.
The best auto insurance for St. Augustine Beach drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $778 less each year.
The least expensive car insurance company for new and young drivers in St. Augustine Beach
In St. Augustine Beach, Geico costs young drivers $2,471 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in St. Augustine Beach
Geico gave the largest car insurance discounts to married couples, averaging $675 saved each year compared to an average St. Augustine Beach couple's premiums.
The cheapest car insurance in St. Augustine Beach for drivers with bad credit
The best St. Augustine Beach car insurance company for customer service
Allstate was the best company for customer service in St. Augustine Beach according to the NAIC.
Recent price drops
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The cheapest large national provider in St. Augustine Beach
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average St. Augustine Beach driver can expect to pay about $156 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In St. Augustine Beach, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around St. Augustine Beach
What Influences the Cost of Car Insurance in St. Augustine Beach?
On average, car insurance in St. Augustine Beach is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in St. Augustine Beach is 31 minutes, which is a little less than average for a driver in the state.
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in St. Augustine Beach are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- St. Augustine Beach has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in St. Augustine Beach is $181 per month for minimum coverage and $198 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Butler Beach: Insurance costs 0.76% more
- St. Augustine Shores: Insurance costs 1.39% less
- St. Augustine South: Insurance costs 0.55% less
- Vermont Heights: Insurance costs 0.21% less
- St. Augustine: Insurance costs the same
- Vilano Beach: Insurance costs 0.13% less
- Elkton: Insurance costs 2.23% more
- Hastings: Insurance costs 2.19% more
- Federal Point: Insurance costs 2.14% more
- Spuds: Insurance costs 2.23% more
Cities with Similar Populations
- Berryville: Insurance costs 49.66% less
- Breckenridge: Insurance costs 30.53% less
- Boyne City: Insurance costs 15.90% more
- Boxford: Insurance costs 35.58% less
- Bowdon: Insurance costs 25.86% less
- Bow: Insurance costs 50.63% less
- Boulder Creek: Insurance costs 17.54% less
- Bolivar: Insurance costs 38.98% less
- Bluefield: Insurance costs 50.17% less
- Blountsville: Insurance costs 35.83% less