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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in St. Cloud after a DUI is State Farm
  • The annual number of car thefts in St. Cloud is 39.
  • Average car insurance rates in St. Cloud, FL for senior drivers are $2,824/year

Average car insurance rates in St. Cloud, Florida are $389 a month. But with a little research you can get a great deal from the top car insurance companies in St. Cloud, FL. Before you buy St. Cloud, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

It may even be helpful to compare St. Cloud car insurance rates with Tampa car insurance rates, Fort Lauderdale car insurance rates, or St. Petersburg car insurance rates to make sure you’re getting the best St. Cloud, FL car insurance quotes available.

Need affordable St. Cloud, FL car insurance? Enter your ZIP code to compare St. Cloud car insurance quotes from multiple car insurance companies near you.

St. Cloud, FL Minimum Car Insurance Coverage

St. Cloud, Florida law requires drivers carry a minimum of 10/20/10 coverage. Take a look at the breakdown of the minimums here.

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

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St. Cloud, FL Car Insurance Rates by Coverage Level

Some St. Cloud drivers can get by with the Florida minimum coverage of 10/20/10. Other drivers may need more. See how much your St. Cloud, Florida car insurance rates may be based on the coverage you need.

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

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

St. Cloud, Florida car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy St. Cloud, FL car insurance, get quotes from multiple car insurance companies in the St. Cloud area and see how these criteria affect your 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

St. Cloud, FL Car Insurance Rates for Teens

How much is St. Cloud, Florida car insurance for teens? Compare rates from top St. Cloud car insurance companies below to help find the cheapest teen car insurance in St. Cloud, FL.

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

St. Cloud, FL Car Insurance Rates for Seniors

Before seniors buy St. Cloud, Florida car insurance, they should make sure to shop around. Some St. Cloud, FL car insurance companies may offer discounts or other savings options for senior car insurance.

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

St. Cloud, FL Car Insurance Rates by Credit History

How does your credit history affect St. Cloud, FL car insurance rates? Review the numbers here to find out.

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

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St. Cloud, FL Car Insurance Rates by Driver History

How does a single speeding ticket affect your St. Cloud, Florida car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in St. Cloud.

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

St. Cloud, FL Car Insurance Rates With a DUI

Even a single DUI can increase your St. Cloud, FL car insurance rates. Compare rates below to see which St. Cloud car insurance company has the best rates for drivers with a DUI.

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

St. Cloud, FL Car Insurance Rates by ZIP Code

Just like St. Cloud car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how St. Cloud, FL car insurance rates fluctuate by ZIP code.

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

St. Cloud, FL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your St. Cloud, FL car insurance rates may be. Let’s take a look at average car insurance rates from top St. Cloud companies based on commute time.

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

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St. Cloud, FL Cheapest Car Insurance Rates

How do the top St. Cloud, Florida car insurance companies’ average rates stack up against the St. Cloud average monthly car insurance rates of $389? Take a look and see.

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

St. Cloud, FL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top St. Cloud, Florida car insurance companies to help you find one that best fits 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

Other Factors Affecting St. Cloud, FL Car Insurance Rates

Before you buy St. Cloud, Florida car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

St. Cloud, FL Car Theft Rates

The car theft rate in St. Cloud, FL will affect your car insurance rates. FBI data shows that the annual car theft rate for St. Cloud, Florida is 39 stolen cars.

St. Cloud, FL Commute Time

How does your St. Cloud, FL commute time compare with the average driver? In St. Cloud, the average commute is 35.7 minutes.

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St. Cloud, FL Car Insurance Quotes

Compare St. Cloud, FL car insurance quotes from multiple companies by entering your ZIP code now.