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.
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 Rates
- St. Augustine, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in St. Augustine, FL
- Multi Vehicle Insurance Savings in St. Augustine, FL
- How Credit Score Affects Car Insurance Rates in St. Augustine, FL
- How DUI Affects Auto Insurance Premiums in St. Augustine, FL
- Top Auto Insurance Agents Near St. Augustine, FL
- How Driving Violations Affect Auto Insurance Rates in St. Augustine, FL
- St. Augustine, FL Auto Insurance Discounts on Anti Theft Feature
- St. Augustine, FL Auto Insurance Company Reviews
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
ProgressiveProgressive 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.
GeicoI 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.
GeicoMy 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.
GeicoSometimes it is hard to contact my insurance company for things besides my car, such as the business hours for pet insurance.
UsaaMy 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.
ProgressiveThe 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.
UsaaUSAA 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.
Esuranceit 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 InsuranceWhen 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 InsuranceI 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.
GeicoThere 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.
GeicoI 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.
UsaaThey 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.