St. Cloud Florida Car Insurance

Find the right car insurance policy for you.


St. Cloud, FL earned its name as “The Friendly Soldier City” when it was founded as a retirement community for Civil War Union veterans. Located on the shore of East Lake Tohopekaliga, this historic, quiet city offers a downtown that looks like a page out of history. Local drivers have to deal with busy roads and congested traffic year-round, so make sure you’re prepared with the best St. Cloud car insurance.

Independent Insurance Agents offer St. Cloud drivers reliable assistance in the search for affordable car insurance. Drivers can be sure that our experienced agents can help them find affordable rates that also offer amazing coverage when they are behind the wheel.

  • National average cost per year: $1,311
  • Florida average cost per year: $1,742
  • #5 most expensive auto premium in the U.S.

St. Cloud drivers deal with high insurance rates when compared with the national average. Your personalized rate is determined by your age, the make and model of your car, and your driving record. Our agents will help you find remarkable savings by offering you discounts for driving safely, bundling coverage, and having security upgrades. Our reliable agents work hard to get every driver the lowest possible rate. Let them help you; you’ll receive quotes on multiple policies, giving you the chance to compare the cost and benefits of each plan before you select the car insurance policy that is right for your vehicle.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Florida Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 10/20/10

In Florida, it is illegal to operate a vehicle without insurance. Minimum coverage limits are $10,000 for individual injuries, $20,000 for total injuries in an accident and $10,000 for any resulting property damage. These state minimums may not be enough coverage to completely pay for all the damage an accident may cause. If the accident exceeds the limits of your policy, you will have to pay the difference out of pocket. Extra coverage is always a good idea for St. Cloud drivers. This is a smart investment that can add up to major savings if you ever get into a serious accident.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Number of Uninsured Motorists in Florida

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Florida drivers: 23.8%

Even though Florida law requires drivers to be insured, studies show that nearly one-fourth of drivers are uninsured. With one out of four drivers on the road uninsured, you are at enormous risk unless you have uninsured motorist coverage as part of your policy. Don’t get stuck paying out of pocket. Uninsured motorist coverage pays for the expense of your repairs if you happen to get into an accident with someone who doesn’t have insurance.

Number of Auto Thefts in Florida

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Florida: 2.48

Despite the fact that St. Cloud has a low crime rate, theft still happens occasionally. As you shop for auto insurance, make sure you choose a policy that includes coverage for car theft. Then you’ll have peace of mind that you’re covered if your car is stolen. You file a claim and receive the compensation you need to buy a new vehicle without relying on local police to track down your missing car.

Find a Great St. Cloud Car Insurance Policy

Finding the right St. Cloud car insurance can be overwhelming, but it is extremely important to find a good policy that offers thorough coverage by using the services of our independent insurance agents. Our friendly agents will answer your questions, explain your coverage options and help you design a customized auto insurance policy that will offer maximum protection at a minimal price. Contact an agent today to get a free rate quote on St. Cloud auto insurance.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn