St. Augustine Auto Insurance Rates, Quotes, Agents & Reviews in FL

St. Augustine, FL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in St. Augustine, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Compare Quotes from Top Providers and Save now!

Factors that can influence the cost of car insurance in St. Augustine, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


St. Augustine, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in St. Augustine, FL with that of other cities in and around St. Augustine.

St. Augustine World Golf Village St. Augustine Shores St. Augustine Beach St. Johns County Villano Beach
Average Insurance Rates $1,172 $2,279 $2,163 $2,402 $1,859 $2,323

St. Augustine, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around St. Augustine, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
St. Augustine $1,721 $1,454
World Golf Village $1,158 $978
St. Johns County $2,027 $1,712
Villano Beach $1,525 $1,288
Nocatee $2,458 $2,076
St. Augustine South $1,490 $1,259
St. Augustine Beach $1,050 $887
St. Augustine Shores $1,487 $1,256

St. Augustine, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in St. Augustine, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,803
20 Years $1,506
30 Years $1,160
40 Years $1,116
50 Years $1,033
60 Years $1,048
70 Years $1,220

St. Augustine, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in St. Augustine, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,039 $305
3 Vehicles $3,059 $457
4 Vehicles $4,079 $609

Savings on 2 Vehicles bundle:$305

Savings on 3 Vehicles bundle:$457

Savings on 4 Vehicles bundle:$609


St. Augustine, FL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around St. Augustine, FL.

Location Average Insurance Cost Post DUI Insurance Rate
St. Augustine $1,172 $1,834
World Golf Village $2,279 $3,567
St. Johns County $1,859 $2,909
Villano Beach $2,323 $3,636
Nocatee $2,386 $3,734
St. Augustine South $2,168 $3,393
St. Augustine Beach $2,402 $3,759
St. Augustine Shores $2,163 $3,385

St. Augustine, FL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,006
Excellent (740-799) $1,148
Good (670-739) $1,221
Average (580-669) $1,593
Poor (300-579) $1,912

St. Augustine, FL Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Jessica Mcquaig Allstate 2730 State Road 16 Ste 113, Saint Augustine, 32092 (904) 217-0855
Jessica Mcquaig Allstate 2730 State Road 16 Ste 113, Saint Augustine, 32092 (904) 217-0855
Tim Huber Insurance Travelers 28 Clark St , St Augustine, 32084 None
Tim Huber Insurance Travelers 28 Clark St , St Augustine, 32084 None
Brightway Insurance Travelers 1515 COUNTY RD 210 W STE 103, JACKSONVILLE, 32259 888-254-5014
Craig Dewhurst State Farm 315 W Town Pl Ste 4, St Augustine, 32092-3105 904-940-9740
Hazel Partners, Llc None 326 Paseo Reyes Dr , St Augustine, 32095 None
Angela King Allstate 2851 County Road 210 W Ste 113, Saint Johns, 32259 (904) 217-8430
Herbie Wiles Ins Inc Travelers 400 N PONCE DE LEON BLVD, ST AUGUSTINE, 32084 904-829-2201

St. Augustine, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$52 $1,224
Driver's Failure In Showing Documents +$114 $1,286
Driving With An Expired Registration +$121 $1,293
Driving At A Considerably Slow Pace +$254 $1,426
Using A Cellphone While Driving +$268 $1,440
Running A Red Light +$273 $1,445
Speeding +$287 $1,459
Driving A Vehicle Without The Required Permission +$364 $1,536
Driving With An Expired/Suspended License +$790 $1,962

St. Augustine, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,125
Active Disabling Device $1,125
Tracking Device $1,102
Passive Disabling Device $1,090

Latest Auto Insurance Reviews in St. Augustine, FL | Back to Top

Progressive
Progressive offered the best price for my wife and I's cars. They also have this safe driver thing that you use and it gives you certain discounts which is always nice.
Geico
I am very satisfied with my insurance company. Customer service is always prompt and they also offer automated responses to save time instead of waiting on hold.
Geico
My insurance company is very comparable to others I shopped in choosing a company - they offer the same basic coverages and policies, and offer insurance on other types of vehicles.
Geico
Sometimes it is hard to contact my insurance company for things besides my car, such as the business hours for pet insurance.
Usaa
My auto insurance company is USAA. In my opinion, they have the cheapest car insurance rates and it is cheaper to obtain roadside assistance compared to other companies like Geico, for instance.
Progressive
The customer service/accessibility is very poor. They have an online chat function, that only appears to work when you have a question about getting new insurance. The chat can not or does not answer questions about existing policies. I have called the company directly with questions about the snap shot program and spoke to agents that did not have a good understanding of the program, and therefore could not answer questions. There are not local agents for progressive in my area, or there are not according to their customer service department.
Usaa
USAA is my auto insurance company. They are fantastic. From tow trucks after an accident to window replacement, they offer great insurance for affordable prices. I rate them very highly in relation to the their competition . I would rate them as a 1.
Esurance
it can be hard to find all of the information i am looking for if i have a specific questions. sometimes i have to call them because the answer is not available online
Auto-Owners Insurance
When I did the comparison when shopping for Home insurance NJM was not the cheapest company but I get to have a single point of contact when filing a claim.
Safeco Insurance
I like how they help you find the best pricing for what you are getting. Everyone I have talked to seems very knowledgeable compared to other companies also.
Geico
There are not many things that I dislike about GEICO, but I feel that they could improve even more on their pricing. Although I have shopped around and they are the lowest, I feel that the pricing could be even lower and they should strive to make it decrease for their consumers in order to become even more competitive.
Geico
I have called numerous car insurance companies and the premium was extremely high compared to Geico. Sometimes it was almost double what I am paying now.
Usaa
They have an app as well as a very friendly and efficient call center staff. The last time I used a claim I had a tow truck in 10 minutes and I wasn't in an especially well-populated area.