St. Augustine Insurance Rates:

St. Augustine, FL home insurance is nearly $1,025 to $1,394, about $85-$116/month. Our in depth research shows customers can save upto $484 by comparing different quotes

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St. Augustine Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $3530/12 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $355,000

5 Beds, 5 Bath 2500 sqft Primary Residence Constructed In 2004 with Linoleum, Slate Shingles Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2890/6 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $530,000

5 Beds, 5 Baths 4070 sqft Rental Property Constructed In 2001 with Carpet over wood flooring, Shingles Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Married Female who is Retired with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

Home Insurance Rate of $5590/5 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $690,000

5 Beds, 5 Baths 4720 sqft Seasonal Residence Constructed In 2007 with Linoleum, Tile Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Divorced Female who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $5830/10 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $305,000

4 Beds, 4 Baths 2710 sqft Rental Property Constructed In 1999 with Stone Flooring, Metal Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

St. Augustine, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
32084 $160,700 $1,170

St. Augustine Rates & Quotes Analysis:

St. Augustine Area Estimated House Insurance
Ocean Ave, Ocean Woods Dr E, W Willow Branch Ln, Magnolia Dunes Cir, Willow Falls Trl, State Hwy 5a, Coronado St, Lena St, San Nicolas Way, Sunset Cir N$1,294
Saint Augustine Blvd, Lake George Ct, Medoras Ave, N Stratton Rd, Citara Ct, Lobelia Rd, Pelican Rd, N Champions Way, Legendary Dr, 16th St$1,219
Whitehall Dr, Lewis Blvd, Azalea Ct, Kenmore Ave, Hercules Rd, Davis St, West St, Varella Ave, Powis Rd, Katnack Rd$1,153
Altedena Ave, Ocean Gate Ln, Shamrock Rd, Avista Cir, Grant St, Asturias St, S Cappero Dr, Istoria Dr, Douglas Ave, Madison St$1,295
Mayan Ter, Sea Hammock Way, Buckhorn Way, 12th St, S Hampton Club Way, Manresa Rd, Marjories Way, Murat St, Saint Johns Golf Dr, Cll Madrid$1,219
Sidney St, 2nd Ln, Sky Ridge Ct, Oxford Dr, Mission Park Ln, River of May St, Green Acres Rd Exd, Old Dixie Dr, Snail Kite Ct, Busam St$1,211
W Castillo Dr, San Juan St Exd, Kon Tiki Cir, Antler Hill Ct, Lighthouse Ave, Lawrence Ave, Champions Way, N Volusia St, Lake Apopka Ct, Matanzas Ave$1,214
Diesel Rd, Van Gogh Cir, Merroway Ln, Tall Pine Ct, Owl Creek Rd, Ravenswood Dr, Sugarcane Ave, S Beach Dr, Oakes Ave, N Cranbrook Ave$1,225
Magnolia Beach Trl, Holly Rd, Isabel St, Island Hammock Way, Shenandoah St, W Pisa Pl, Crested Heron Ct, Majestic Oak Pkwy, Pinehurst Pointe Dr, Indian Trace Rd$1,220
Palencia St, San Juline Cir, Sienna Pl, Heron Rd, Mackinaw Trl, Roosevelt Dr, Osprey Rd, Putnam St, Ocean Trace Rd, Alcarzar St$1,172

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,958 Homes (16% of total) built between 1990 to 1999 in St. Augustine are paying home insurance between $1,746-$1,764 and varies from St. Johns County (+$21), Villano Beach (+$70), Nocatee (+$77), St. Augustine South (-$58) and Hastings (-$81).
  • Bedrooms: 8,693 4 bedrooms homes (17% of total homes ) in St. Augustine are paying about $1,415. Areas near to St. Augustine such as St. Johns County, Villano Beach, Nocatee are costlier by $18, $45, $51 respectively whereas World Golf Village and St. Augustine South are more economical by $6, $47 respectively for similar homes.
  • Auto Insurance Bundling: 4,284 Households (15% of all households) in St. Augustine have 3 or more vehicles available and when it is bundled with home insurance you can save $302. Discounts for similar bundling in close by locations such as World Golf Village, St. Johns County, Villano Beach come to $301, $306, $314 respectively.
  • Senior Discounts: 14,127 seniors (more than 55 years) occupied housing units (49% of total) in St. Augustine get discounts between $180 to $182 compared to World Golf Village ($180), St. Johns County ($183), Villano Beach ($188).
  • New Homes discounts: New homes such as the 30,624 homes built between 2000 to 2009 in St. Augustine can save $242 and similar new home insurance discounts in nearby towns and cities like World Golf Village, St. Johns County and Villano Beach are $241, $245 and $251 respectively.

St. Augustine Homeowners insurance Facts

  • St. Augustine, FL has 28,474 owner occupied houses which is 72.2% of all units whereas World Golf Village, St. Johns County and Villano Beach have 78.54%, 76.69% and 71.85% respectively.
  • St. Augustine, FL homeowners yearly insurance price at $1,210 is 0.52% of the typical house value of $232,000 which is in contrast with 0.54% in World Golf Village, 0.48% at St. Johns County & 0.4% in Villano Beach.
  • Homeowners in St. Augustine, FL pay 1.79% of their income ($60,000 to $74,999) in insurance whereas homeowners in World Golf Village, St. Johns County and Villano Beach pay 1.79%, 1.81% and 1.87% respectively.
  • St. Augustine, FL’s insurance is 5.8% of monthly housing costs of $1,737/month, for owners with a mortgage compared to 5.4% in World Golf Village, 5.49% at St. Johns County & 5.27% in Villano Beach. But, for households without a mortgage, insurance is 22.2% of costs ($454 in St. Augustine, FL) in contrast with 17.8% in World Golf Village, 20.13% at St. Johns County & 19.01% in Villano Beach.

St. Augustine, FL Home Values & Insurance rates

For example, insurance for 1,184 Homes (5.0% of total homes ) valued between Less than $50,000 in St. Augustine, FL is about $121. Rates in nearby areas in such as St. Johns County, Villano Beach, Nocatee are cheaper by $11, $33, $33 respectively while World Golf Village and St. Augustine South are costlier by $11 and $54 respectively for similar homes.

St. Augustine, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,184 5.0% $121
$50,000 to $59,999 348 1.0% $266
$70,000 to $79,999 703 3.0% $387
$80,000 to $89,999 461 2.0% $435
$90,000 to $99,999 689 3.0% $484
$100,000 to $124,999 2,038 9.0% $568
$125,000 to $149,999 1,534 6.0% $713
$150,000 to $174,999 2,971 13.0% $847
$175,000 to $199,999 1,554 6.0% $968
$200,000 to $249,999 4,086 18.0% $1173
$250,000 to $299,999 3,040 13.0% $1427
$300,000 to $399,999 3,850 17.0% $1815

Renters Insurance in St. Augustine

  • Average Renters Insurance in St. Augustine :  $106($8/month)

  • Median Gross Rent in St. Augustine :  $1,000

  • St. Augustine Renters Insurance to Median Rent Ratio:  0.8%

  • Average household size of renter-occupied unit :  2.43

St. Augustine Renters Insurance as a Percentage of Rent

St. Augustine Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 267 2.0% $1226
$500 to $749 1,549 14.0% $1901
$750 to $999 3,195 30.0% $2651
$1,000 to $1,499 3,880 37.0% $3776
$1,500 or more 1,293 12.0% $5426

Rent Affordability in St. Augustine:

Approximately 50.0% (5,602) of households are spending more than 35% of their income on gross rent in St. Augustine

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 917 8.0%
15.0 to 19.9 percent 1,058 9.0%
20.0 to 24.9 percent 1,537 13.0%
25.0 to 29.9 percent 1,099 10.0%
30.0 to 34.9 percent 772 7.0%
35.0 percent or more 5,602 50.0%

St. Augustine Renters Insurance Discounts:

St. Augustine Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in St. Augustine, FL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 5,075 46.0% $10.6
2 vehicles available 3,783 34.0% $15.9
3 or more vehicles available 866 7.0% $21.2

Protective device discount in St. Augustine Up to :  $15

Claims-free discount in St. Augustine Up to :  $21