Car insurance in St. Petersburg costs an average of $2,194 per year, just slightly cheaper than the state average. The cheapest widely available insurer for the average driver is GEICO. MoneyGeek analyzed the cheapest providers by coverage amount and driving history. For those focused on cost as well as quality, MoneyGeek also ranked the best companies in St. Petersburg.
Compare the Cheapest Car Insurance Quotes in St. Petersburg, FL
The Cheapest and Best Car Insurance in St. Petersburg
The Cheapest Car Insurance Companies in St. Petersburg
In St. Petersburg, the companies with the cheapest average rates for full coverage policy are:
- USAA: $916 yearly (only available for current and former military)
- GEICO: $1,539 yearly
In St. Petersburg, GEICO has the cheapest, widely available average annual car insurance premium of $1,539. Progressive has the most expensive yearly premium at $2,845 on average, which is around 84.8% more expensive than GEICO.
It is worth noting that these are only average car insurance premiums and that your actual policy in St. Petersburg may have different pricing. Your premium will depend on your driving history and your additional insurance add-ons. If you’ve been involved in an at-fault car accident, you can expect a higher insurance premium. The average annual premiums presented here should only serve as your guide. It is recommended that you discuss your needs with insurance agents to get personalized and accurate car insurance quotes in St. Petersburg.
For this study, MoneyGeek collected and analyzed average car insurance rates in St. Petersburg for a sample driver. The sample driver is a 40-year-old male with a full coverage policy, including both liability and comprehensive and collision coverage.
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Average Cost of Car Insurance in St. Petersburg
At $2,194, the city of St. Petersburg has a slightly lower average annual auto coverage premium than the state of Florida’s average of $2,208. However, car insurance companies in St. Petersburg charge about 54% more than the national average, which isn’t surprising since Florida has one of the most expensive auto coverage rates in the country.
However, these are only averages. The rate of your car insurance premium will still depend on your unique individual profile. Learn more about auto insurance to ensure you know exactly what you need and then compare personalized quotes from multiple companies to find the best deal for you.
The Best Car Insurance Companies in St. Petersburg
For drivers looking to balance affordability with quality of service in St. Petersburg, MoneyGeek has ranked the best car insurance providers in the city. Based on MoneyGeek’s research, the best providers for most drivers are:
- Esurance: MoneyGeek score 95 out of 100
- GEICO: MoneyGeek score 85 out of 100
USAA received the highest score in St. Petersburg by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To arrive at the final scores out of 100, MoneyGeek studied several factors, including J.D. Power customer satisfaction ratings, financial stability and affordability.
Personalized Quotes to Get You the Cheapest Car Insurance in St. Petersburg
Car insurance needs are unique to every individual. No single insurance product can meet the requirements of everyone. Aside from your location, your age, driving history, credit score, marital status and gender can all affect your car insurance premium, among others. Make sure to get your personalized car insurance quotes in St. Petersburg yearly.
Shopping around for car insurance in St. Petersburg could save you $655, which is enough to buy:
Cheapest Car Insurance in St. Petersburg by Coverage Amount
In St. Petersburg and elsewhere, one of the most crucial factors determining the cost of car insurance is the level of coverage you buy. For example, a state minimum liability policy costs an average of $1,086 per year, while a full coverage policy with higher liability limits costs $2,194 on average. That is a difference of $1,107.
Florida Minimum Liability Requirements
- Property Damage$10,000 for property damage. A more protective level is 100/300/100.
- Personal Injury Protection$10,000 per person.
GEICO’s 50/100/50 full-coverage policy has an average annual premium of $1,345. The numbers 50/100/50 stand for the limits of the liability coverage. With such coverage, you are covered with a maximum amount of $50,000 for bodily injury liability per person, up to $100,000 per vehicle, along with $50,000 for property damage liability.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in St. Petersburg if You Have Driving Violations
Getting tickets and DUIs can cause your insurance premium to rise. For instance, if you have a clean record, your Progressive car insurance annual premium will average $2,845 in St. Petersburg. However, speeding tickets can increase this rate by around $1,198.
For GEICO, a clean driving record will give you an annual premium of around $1,539, but speeding tickets can add $1,150 to that rate. A DUI conviction, however, will more than double your yearly premium to an average of $3,366.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
Your ZIP code can affect your premium in many cities, but in St. Petersburg, the difference is minimal. ZIP code 33710 has the most expensive average annual premium at $2,201, while the cheapest ZIP code in terms of car insurance is 33702, which is just $15 cheaper.
- Zip CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in St. Petersburg
Factors That Impact Insurance Costs in St. Petersburg
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in St. Petersburg. How St. Petersburg ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for St. Petersburg are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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