Updated: December 12, 2025
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St. Petersburg drivers can get minimum coverage for just $56 monthly through Travelers, which also provides the city's most affordable full coverage at $122 per month or $1,462 annually. These premiums apply to drivers with clean records.
Age and driving history are major factors in determining which provider gives you the lowest premium, so requesting quotes from multiple carriers shows your best available rate.
| Travelers | $122 | $56 | -49% |
| Metropolitan Group | $180 | $73 | -27% |
| State Farm | $161 | $73 | -32% |
| Nationwide | $192 | $89 | -19% |
| UAIC | $157 | $142 | -14% |
Florida's statewide average sits at $87 for minimum coverage and $205 for full coverage monthly. St. Petersburg drivers pay higher costs at $103 for minimum coverage and $244 monthly for full coverage.
The city's heavy traffic from tourism and daily commuters creates more accident risks, while tropical storms and hurricanes hitting the area lead to frequent weather-related claims. These factors push St. Petersburg's rates well above state averages.
Getting quotes from multiple insurers helps drivers find more competitive rates despite the city's higher baseline costs.
| $244 | $205 |
Read More: The cheapest car insurance in Florida
The gap between young and adult driver premiums in St. Petersburg shows how age affects insurance costs. Young drivers average $339 monthly across the top five insurers, compared to $162 for adults and $202 for seniors. Insurance companies charge young drivers these higher rates because they lack driving experience and statistically cause more accidents than older age groups.
Cheapest St. Petersburg car insurance by age:
Once drivers establish experience, age matters less for pricing decisions. The modest $40 difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.
Young drivers in St. Petersburg pay high insurance costs, with the average monthly premium hitting $339 across the city's five cheapest providers compared to just $162 for adults. Travelers offers the most affordable option at $271 monthly or $3,254 annually for full coverage, making it a standout choice for budget-conscious families.
Insurers charge these high rates because drivers ages 16 to 25 lack experience behind the wheel and statistically have more accidents and traffic violations than any other age group.
Young drivers in St. Petersburg can save $151 each month by choosing Travelers instead of Nationwide’s $422 rate. Adding a young driver to a family policy usually costs less than buying separate coverage, though premiums remain higher until age 25.
Note: Teen driver insurance requirements differ by state. Parents should check local regulations for coverage minimums and supervision requirements.
| Travelers | $271 | $3,254 |
| UAIC | $287 | $3,443 |
| State Farm | $353 | $4,240 |
| Metropolitan Group | $363 | $4,359 |
| Nationwide | $422 | $5,061 |
St. Petersburg seniors average $202 monthly across the five cheapest insurers, which is just $40 above the $162 that adults pay. UAIC offers the most affordable rates at $161 monthly or $1,932 annually for full coverage, helping experienced drivers keep costs manageable.
While seniors benefit from decades of driving experience and clean records, some insurers do adjust rates slightly higher for drivers over 70 due to reaction time considerations. By choosing UAIC instead of GEICO at $270 monthly, St. Petersburg seniors save $109 each month.
Seniors can often get additional discounts by completing defensive driving courses or keeping their annual mileage under 7,500 miles.
| UAIC | $161 | $1,932 |
| Travelers | $163 | $1,955 |
| State Farm | $193 | $2,321 |
| Metropolitan Group | $223 | $2,677 |
| Geico | $270 | $3,244 |
Adults between ages 26 and 64 get the most competitive car insurance rates in St. Petersburg, with Travelers offering full coverage for just $122 monthly or $1,462 annually. This age group benefits from years of driving experience combined with lower accident rates than both younger and older drivers.
Across the city's five most affordable insurers, adults average $162 monthly, the lowest of any age category. Shopping wisely pays off, as adults save $70 monthly choosing Travelers over Nationwide's $192 rate, the fifth cheapest option. Clean driving records, policy bundling and good driver discounts provide additional ways to cut costs.
| Travelers | $122 | $1,462 |
| UAIC | $157 | $1,879 |
| State Farm | $161 | $1,934 |
| Metropolitan Group | $180 | $2,162 |
| Nationwide | $192 | $2,306 |
Your driving record affects what you'll pay for car insurance in St. Petersburg. Travelers leads with the most affordable rates across multiple categories, charging just $56 monthly for minimum liability coverage with a clean record and $70 for drivers with speeding tickets.
State Farm takes the lead for DUI offenders at $79 monthly. The cost progression tells the story: average rates among the five cheapest insurers climb from $73 for clean records to $89 for speeding tickets, $97 for at-fault accidents and $101 for DUIs.
At-fault accidents push premiums higher because you've proven you can cause actual property damage or injuries, marking you as a bigger risk to insurers. DUIs create the largest increases since they mix dangerous behavior with serious legal consequences, placing you in insurers' highest-risk category and often requiring SR-22 filing.
Speeding tickets generate smaller bumps because they signal risky driving habits without showing you've actually crashed.
| State Farm | $79 | $949 |
| Travelers | $82 | $984 |
| AIG | $107 | $1,284 |
| Metropolitan Group | $111 | $1,327 |
| Geico | $126 | $1,510 |
ZIP code 33715 offers the cheapest car insurance in St. Petersburg at just $101 monthly, while ZIP code 33730 charges the highest rates at $248 per month. See your ZIP code's rate in the table below.
St. Petersburg's most populous ZIP code (33701) charges $103 monthly for minimum coverage. Rate differences reflect neighborhood factors like population density, accident frequency, vehicle theft rates, and uninsured driver percentages.
Use the filter above the table to locate your ZIP and check your area's cost.
| 33701 | $103 | $245 |
St. Petersburg drivers can get competitive rates without sacrificing proper coverage by knowing the right strategies.
Try our car insurance coverage needs calculator for customized advice. This tool helps determine the right amount of coverage based on your specific situation and financial needs in St. Petersburg.
Explore different types of car insurance offered in St. Petersburg. Consider pay-per-mile insurance if you drive infrequently or non-owner coverage if you occasionally borrow vehicles but don't own one.
Look up average vehicle insurance costs for your specific St. Petersburg neighborhood. Local rates vary based on factors like crime rates, traffic density and weather patterns that affect insurance pricing.
Explore every car insurance discount opportunity available to you. Consider bundling multiple policies or securing multi-car discounts. You can save with safe driver, student and anti-theft discounts that add up quickly.
Research insurer reviews and financial stability for companies serving St. Petersburg residents. Strong financial ratings indicate the company's ability to pay claims promptly, while customer reviews reveal service quality and claims handling experiences.
Get quotes from at least three insurers to compare rates and coverage options. Each company uses different rating factors and risk assessments, so prices can vary even for identical coverage levels.
Schedule an annual policy review to stay competitive with current market rates. Your circumstances change over time, and new discounts or better rates from other insurers may become available throughout the year.
Want to find affordable coverage in St. Petersburg? This FAQ offers clear answers about available discounts, state regulations and policy options to help you get coverage that works for your budget.
Travelers offers St. Petersburg’s cheapest minimum coverage at about $672 annually and the lowest full coverage at around $1,464 per year. Because personal factors like your driving record and age affect pricing, comparing quotes from multiple insurers helps you find your best rate.
Travelers ranks first among St. Petersburg's car insurance providers with a MoneyGeek score of 98 out of 100, outpacing State Farm by eight points. The company performs well in both affordability and customer experience.
Car insurance in St. Petersburg costs $1,236 annually for minimum coverage and $2,928 for full coverage. Your actual premiums depend on your driving record, age and other personal factors.
Yes, St. Petersburg has expensive car insurance, with the city ranking 494th for full coverage and 492nd for minimum coverage affordability among Florida cities.
St. Petersburg drivers pay some of Florida's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for St. Petersburg's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
