Many factors affect the cost of car insurance premiums in the United States, one of which is your location. For instance, in Florida, the average car insurance rates in St. Petersburg are more expensive than those in Orlando. It is necessary to get a personalized quote that's accurate for your unique situation.
Compare the Cheapest Car Insurance Quotes in St. Petersburg, FL
Quality Verified
Quality Verified
- Home
- The Best Cheap Car Insurance in St. Petersburg
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.
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 Cheap Car Insurance Companies in St. Petersburg
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.
Scroll for more
- CompanyAmountper year
- 1. USAA$916
- 2. GEICO$1,539
- 3. State Farm$1,750
- 4. MetLife$2,023
- 5. Travelers$2,142
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.
Cheapest Car Insurance in St. Petersburg by Coverage Amount
How much car insurance coverage you purchase in St. Petersburg also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
Visit these guides to learn more:
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.
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 by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$412$615
- 2. GEICO$668$1,020
- 3. State Farm$941$1,281
- 4. Travelers$1,035$1,580
- 5. MetLife$1,180$1,852
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$833$916
- 2. GEICO$1,345$1,539
- 3. State Farm$1,502$1,750
- 4. Travelers$1,865$2,142
- 5. MetLife$1,895$2,023
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 if You Have Tickets
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
- 1. USAA$1,012$1,196$1,676
- 2. State Farm$1,878$2,007$1,878
- 3. GEICO$2,690$2,126$3,366
- 4. Allstate$2,409$3,180$3,070
- 5. MetLife$2,397$2,769$4,741
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
- 33702$2,186
- 33713$2,195
- 33710$2,201
top ratedCar Insurance agentsSt. Petersburg2021Top Agents Offering Affordable Car Insurance in St. Petersburg
1. Melissa Ems Insurance Agency3446 49th St N, St. Petersburg, FL, 33710
2. Moore Resources Insurance4563 Central Ave, St. Petersburg, FL, 33713
3. Luis Macias - State Farm Insurance Agent1909 34th St N, St. Petersburg, FL, 33713
4. Jenny Martin - State Farm Insurance Agent1638 Dr. Martin Luther King Jr St N, St. Petersburg, FL, 33704
5. David Vargas - State Farm Insurance Agent2942 1st Ave N, St. Petersburg, FL, 33713
Insurance Providers That Serve 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.
Shopping around for car insurance in St. Petersburg could save you $655, which is enough to buy:
218Cups of Coffee
50Months of Your Favorite Streaming Service
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.
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.
About the Author
