bestauto insuranceSt. Petersburg2022Compare the Cheapest Car Insurance Quotes in St. Petersburg, FL
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 Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 7/31/2022
Written By |
Mark Fitzpatrick
On average, GEICO is the cheapest car insurance provider in St. Petersburg. Costs vary based on your driving history and coverage level. For example, the cheapest provider for drivers with speeding tickets is State Farm.
For former and current military members and their families, USAA provides the cheapest coverage in the city, on average. Based on MoneyGeek's analysis, Esurance provides the best overall coverage, with excellent customer service and affordable rates.
bestauto insuranceSt. Petersburg2022The Cheapest and Best Car Insurance in St. Petersburg
The Cheapest Car Insurance Companies in St. Petersburg
Costs vary significantly depending on the level of coverage you purchase. A full-coverage policy provides additional comprehensive and collision coverage, thereby costing more than insurance that only meets state minimums.
The providers with the lowest car insurance rates, on average, for drivers seeking full-coverage policies in St. Petersburg are:
- GEICO: $1,539 per year
- State Farm: $1,750 per year
Members of the military, veterans and their families qualify for policies from USAA, which is the cheapest car insurance provider in the city for full coverage. On average, its coverage costs $916 per year.
Progressive has the most expensive coverage in the city, on average, charging policyholders $1,306 more than GEICO for a comparable policy.
Cheapest Car Insurance in St. Petersburg
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$916
- 2.$1,539
- 3.$1,750
- 4.$2,023
- 5.$2,142
MoneyGeek obtained the rates for this study based on a 40-year-old male driver seeking a full-coverage car insurance policy. We detail coverage limits on our methodology page. Liability-only policies cost less than full coverage because it does not contain the following additional types of insurance:
- Comprehensive Insurance: This coverage pays for damages as a result of non-collision events, such as fires, theft and vandalism.
- Collision Insurance: This insurance protects against the costs of injury and damages resulting from collisions with other cars or stationary objects.
For older cars, MoneyGeek recommends getting liability-only insurance. Purchasing a full coverage policy for an old car may be too expensive, as the premiums may be higher than the worth of the car.
Compare Car Insurance Rates in St. Petersburg
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in St. Petersburg for Minimum Coverage
State minimum coverage offers the cheapest auto insurance rates in St. Petersburg. This coverage is ideal for drivers looking to save on their premiums. However, it may fail to cover all the damage costs following an accident, leaving you to cover the extra costs.
Based on MoneyGeek’s analysis, the following companies offer the cheapest state minimum car insurance policies in St. Petersburg, on average:
- GEICO: $668 per year
- State Farm: $941 per year
Military members and their families qualify for USAA's policies, which cost $412 per year, on average. The insurer with the highest rates in the city for the state minimum car insurance coverage is Progressive, with an average annual cost of $1,589. This is $921 higher than the cheapest provider.
Your actual rates will vary based on several factors, including your coverage amount. Compare prices of different coverage amounts by using the following table.
Cheapest Minimum Liability Car Insurance in St. Petersburg
State Minimum
- CompanyState Minimumper year
- 1.$412
- 2.$668
- 3.$941
- 4.$1,023
- 5.$1,035
Liability-only insurance in St. Petersburg meets the state minimum requirements of $10,000 personal injury protection and $10,000 property damage coverage.
While the state minimum coverage costs less, it may lead to higher liabilities if the cost of injury and damage exceeds the policy limits during an at-fault accident. For instance, if you are involved in an accident and the personal injury medical costs are more than $10,000, you will be required to pay the extra cost out of pocket.
Florida Minimum Liability Requirements
- ItemDescription
- Property Damage$10,000 for property damage. A more protective level is 100/300/100.
- Personal Injury Protection$10,000 per person.
Cheapest Car Insurance in St. Petersburg if You Have Driving Violations
Your driving record also determines how much you pay for car insurance. Rates will increase following a DUI, speeding ticket or at-fault accident. Per MoneyGeek's research, the cheapest car insurance providers in St. Petersburg for common violations are:
- Cheapest After a Ticket: State Farm, $1,878 per year
- Cheapest After an At-Fault Accident: State Farm, $2007 per year
- Cheapest After a DUI: American Family, $1,878 per year
Even with a bad driving history, you can still get the best car insurance rates by shopping around to compare rates. Also, as you improve on your driving record, your rates will decrease over time.
USAA also provides the best rates for drivers with violations. However, it only covers military persons and their families.
Cheapest Car Insurance in St. Petersburg With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,012
- 2.$1,878
- 3.$2,397
- 4.$2,409
- 5.$2,690
Average Cost of Car Insurance in St. Petersburg
St. Petersburg$2,194
Florida$2,208
U.S.$1,424
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.
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.
Compare Car Insurance Rates in St. Petersburg
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in St. Petersburg
MoneyGeek evaluated the average rates, claims ratings and customer satisfaction scores to rank the best auto insurance companies in St. Petersburg. Listed below are the top auto insurance companies in St. Petersburg:
- GEICO: 78.4 out of 100
- State Farm: 71.6 out of 100
Moreover, it is vital to mention that USAA achieved a perfect MoneyGeek score of 100 out of 100, elevating its ranking in St. Petersburg. However, it was not put on the list because only military families have access to it.
1
GEICO
Score:85
GEICO received excellent scores for affordability, user satisfaction and user claims. GEICO also offers unique coverages, including Mechanical Breakdown Insurance. For the drivers of St. Petersburg, coverage costs $1,539 per year on average.
More About GEICO
GEICO provides Mechanical Breakdown Insurance, a unique add-on coverage. Mechanical Breakdown Insurance offers more coverage for less money than a normal dealer extended warranty. It covers all parts and systems, rather than simply the ones covered by standard dealer warranties. In addition, GEICO offers Accident Forgiveness coverage to drivers in St. Petersburg. Your insurance rate will not increase as a result of your first at-fault accident if you have Accident Forgiveness on your GEICO vehicle insurance policy.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:78
State Farm performs well in terms of customer satisfaction and user claims, with slightly lower scores coming in the category of affordability. It also provides rideshare insurance in St. Petersburg. The average cost of a full coverage policy is $1,750 per year.
More About State Farm
State Farm is the second-best auto insurance provider in St. Petersburg. The insurer provides rideshare insurance, which is not widely offered. When you drive for a ridesharing service, State Farm's rideshare insurance ensures that your personal auto policy's medical, emergency roadside assistance and rental car reimbursement coverage remains in force. In addition, State Farm offers rental car and/or travel reimbursement. If you are at fault for an accident in your rental car, it pays for car rental fees up to a certain limit, trip expenditures (meals, accommodation and transportation) up to $500 and deductible payback up to $500.
Read MoneyGeek's State Farm auto Insurance ReviewAverage 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
- 33702$2,186
- 33713$2,195
- 33710$2,201
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.
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