Find Cheaper Homeowners Insurance

Home Insurance in St. Johns County, FL: Companies & Premiums

Home Insurance in St. Johns County, FL: Companies & Premiums

Home Insurance in St. Johns County, FL: Companies & Premiums

St. Johns County is located on the northern Atlantic coastline of Florida. The population of St. Johns County, as of 2019, is made up of 264,572 residents according to the US Census Bureau, which makes it one of the most populated counties in the state. 

Living in St. Johns

With the proximity to Jacksonville, much of St. Johns County residents reside in commuter communities to the metropolitan area. As a result of much of Jacksonville’s urban workforce living in St. Johns County, the area is significantly wealthier than in most other areas of Florida.

The median value of homes that are occupied by homeowners in this county is $287,700, the median household income is $77,323, which is roughly 125 percent of the national median. The two largest cities in the county are St. Augustine and St. Augustine Beach, which have populations of about 13,000 residents and 7,000 residents, respectively.

Home Insurance Premiums in St. Johns County

Despite the high-income households and premium home values in St. Johns County, the cost-of-living isn’t much higher when compared to less wealthy, inland counties in Florida, at least when it comes to home insurance

However, as is the case with many coastal communities in Florida, homes without wind mitigation have much higher average home insurance premiums. The difference is so extreme that pre-2001 homes without wind mitigation have slightly higher average premiums than homes worth double the value, as shown in the table below.

Average Homeowners Premiums in St. Johns County

Construction TypeHome ValueAverage Premium
Overall Average$1,586.70
Pre-2001 (No Wind Mitigation)$150,000$1,875.07
Pre-2001 (With Wind Mitigation)$150,000$1,075.00
New Construction$300,000$1,810.04

The overall average for home insurance premiums in the county is $1,587, based on the data provided by Florida’s Office of Insurance Regulation. While pre-2001 homes with wind mitigation have relatively affordable average premiums for the state of Florida, homeowners with other types of homes may be concerned about how they can avoid paying such high prices for their FL home insurance.

If you’re in this situation and want to insure a property for a cheaper rate, don’t neglect to comparison shop while looking for a policy. Every company will use its own calculation methods for arriving at the quote they offer you. Knowing which companies offer the lowest average premiums in the county (listed below) will help you start off your search in the right direction to help you save hundreds of dollars each year.

For $150,000 homes built before 2001 without wind mitigation, the average premium is $1,875.

Cheaper options include:

  • First Protective – $1,386
  • Stillwater – $1,396
  • Citizens – $1,408
  • Southern Fidelity – $1,457

List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction Without Wind Mitigation Rate in St. Johns County

Company NameAnnual Premium
Average$1,875.07
First Protective$1,386
Stillwater$1,396
Citizens$1,408
Southern Fidelity$1,457
First Community$1,541
Florida Peninsula$1,577
Tower Hill Prime$1,617
Universal$1,635
FedNat$1,680
Castle Key$1,689
Universal$1,694
Florida Family$1,730
Tower Hill Preferred$1,740
Tower Hill Signature$1,771
Security First$1,775
People's Trust$1,804
Liberty Mutual$1,860
Family Security$1,892
Tower Hill Select$1,910
American Integrity$2,036
ASI$2,058
State Farm Florida$2,076
St. Johns$2,128
Florida Farm$2,152
American Traditions$2,231
Auto Club Florida$2,582
Southern Oak$3,802

For $150,000 homes built before 2001 with wind mitigation, the average premium is $1,075.

Cheaper options include:

  • Citizens – $646
  • First Protective – $743
  • Universal – $749
  • FedNat – $794

List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction With Wind Mitigation Rate in St. Johns County

Company NameAnnual Premium
Average$1,075.00
Citizens$646
First Protective$743
Universal$749
Universal$794
FedNat$798
Stillwater$804
Florida Farm$827
St. Johns$910
Tower Hill Preferred$917
Tower Hill Signature$954
First Community$1,021
Southern Fidelity$1,023
Tower Hill Select$1,025
People's Trust$1,032
Florida Family$1,033
Tower Hill Prime$1,038
Florida Peninsula$1,071
American Integrity$1,088
American Traditions$1,167
Castle Key$1,286
Family Security$1,322
ASI$1,363
Security First$1,392
Auto Club Florida$1,433
Liberty Mutual$1,443
Southern Oak$1,568
State Farm Florida$1,578

For $300,000 homes with new construction, the average premium is $1,810.

Cheaper options include:

  • Stillwater – $1,078
  • First Protective – $1,382
  • Citizens – $1,412
  • Universal – $1,428

List of Companies & Rates for Home Valued at $300,000, New Construction in St. Johns County

Company NameAnnual Premium
Average$1,810.04
Stillwater$1,078
First Protective$1,382
Citizens$1,412
Universal$1,428
Universal$1,451
Florida Farm$1,480
St. Johns$1,530
Southern Oak$1,548
Tower Hill Preferred$1,601
Tower Hill Select$1,608
FedNat$1,636
People's Trust$1,705
First Community$1,721
Florida Peninsula$1,763
Tower Hill Signature$1,798
Castle Key$1,811
American Integrity$1,841
Florida Family$1,871
American Traditions$1,882
Tower Hill Prime$1,940
Family Security$2,014
Southern Fidelity$2,023
Security First$2,178
Auto Club Florida$2,263
ASI$2,281
State Farm Florida$2,735
Liberty Mutual$2,891

Flood Insurance in St. Johns

Considering St. Johns County’s location along the East Coast, homes in the county are vulnerable to flooding from tropical storms during each year’s hurricane season. As a result, if you’re interested in owning a home in St. Johns County, it’s essential that you have adequate flood insurance coverage for your property.

You can get an affordable flood insurance policy from regional companies like FedNat and First Protective, which underwrite policies from the federal government’s National Flood Insurance Program (NFIP). NFIP policies are price-controlled but only offer policies with a maximum of $250,000, so if your home is worth a higher amount, you’ll need to purchase an additional private flood insurance policy to make up for the coverage gap.

Leave a Comment