Compare St. Cloud, FL Car Insurance Rates (2021)

Car insurance in St. Cloud, FL averages $389 a month. St. Cloud, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap St. Cloud car insurance rates, compare quotes from the top car insurance companies in St. Cloud, FL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in St. Cloud is USAA
  • Average car insurance rates in St. Cloud, FL are $4,673/year
  • The cheapest car insurance company in St. Cloud for teen drivers is GEICO

If you need to buy St. Cloud, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in St. Cloud, FL is right here.

You’ll find St. Cloud car insurance rates, the cheapest St. Cloud, FL car insurance companies, and information on Florida car insurance laws. You can also compare St. Cloud, Florida car insurance rates to Jacksonville car insurance rates, Cape Coral car insurance rates, and Hialeah car insurance rates.

Ready to find affordable St. Cloud, FL car insurance today? Enter your ZIP code for fast, free St. Cloud car insurance quotes.

Cheapest St. Cloud, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect St. Cloud, FL car insurance rates? Every St. Cloud, Florida car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in St. Cloud, FL

Every driver must carry the minimum car insurance in St. Cloud, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car 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

Cheapest St. Cloud, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in St. Cloud, FL. Compare credit history car insurance rates in St. Cloud from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest St. Cloud, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in St. Cloud, FL to rates for a clean record with top companies.

Annual St. Cloud, Florida Car 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

Cheapest St. Cloud, FL Car Insurance for Teen Drivers

Teen car insurance in St. Cloud, FL can be expensive. Take a look at rates from the top car insurance companies in St. Cloud for teenagers.

Annual Car 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

Cheapest St. Cloud, FL Car Insurance for Seniors

Take a look at St. Cloud, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest St. Cloud, FL Car Insurance Rates After a DUI

A DUI in St. Cloud, FL increases car insurance rates. Compare St. Cloud, Florida DUI car insurance by company to find the cheapest option.

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

Insurance Company Annual Car 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

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Cheapest St. Cloud, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in St. Cloud, FL by commute? Take a look at a comparison of the top companies by commute length.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Cheapest St. Cloud, FL Car Insurance Rates by ZIP Code

St. Cloud car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in St. Cloud, FL.

Annual Car 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

The Best Cheap Car Insurance Companies in St. Cloud, FL

Take a look at a side-by-side comparison of the top car insurance companies in St. Cloud, FL to find the best option for your needs.

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in St. Cloud, Florida

Find the cheapest car insurance companies in St. Cloud, FL for each category right here.

Best Annual Car 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

Cheapest St. Cloud, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your St. Cloud car insurance rates. Find the cheapest St. Cloud, FL car insurance rates by coverage level.

Annual Car 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

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

What factors can have an impact on St. Cloud, FL car insurance? There are several reasons why St. Cloud car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in St. Cloud, Florida.

Car Theft in St. Cloud

High levels of vehicle theft can make car insurance more expensive. St. Cloud, FL car theft statistics from the FBI indicate 39 vehicle thefts a year.

Commute Time in St. Cloud

The more time you spend in your car the higher the risk of an accident. The average commute length in St. Cloud, FL is 35.7 minutes according to City-Data.

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Compare Car Insurance Quotes in St. Cloud, FL

Ready to find affordable St. Cloud, Florida car insurance today? Enter your ZIP code for fast, free St. Cloud, FL car insurance quotes.

Free Car Insurance Comparison

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

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