Cheapest Auto Insurance in St. Petersburg, Florida (2024)

State Farm offers the cheapest car insurance in St. Petersburg, with rates starting at $77 per month.

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Cheapest recent rates near Saint Petersburg, Florida

Recent Saint Petersburg, Florida car insurance prices for Volkswagen, Nissan, GMC , and more.

*Quotes generated for Insurify users in and around Saint Petersburg, Florida within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Saint Petersburg, Florida within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated October 30, 2024

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At the edge of Tampa Bay, St. Petersburg is home to plenty of cultural and beachfront experiences, plus slightly higher-than-average car insurance premiums. The average cost of car insurance in St. Petersburg is $229 per month for liability-only coverage and $281 for full-coverage insurance, far exceeding the national averages of $104 and $211 for respective coverages. 

The city’s high rates of tourism and 11% annual chance of hurricanes contribute to its comparatively expensive car insurance premiums.[1] Here’s how you can compare quotes and find affordable car insurance in St. Pete.

Quick Facts
  • State Farm, GEICO, and Hugo have the cheapest car insurance in St. Petersburg.

  • St. Petersburg drivers pay a yearly average of $3,373 for full-coverage insurance.

  • Florida car insurance requirements include personal injury protection instead of bodily injury liability.[2]

3 of the cheapest car insurance companies in St. Petersburg

Selecting the right car insurance company in St. Petersburg requires careful consideration of your individual needs and circumstances. The best car insurance company for you varies based on factors such as your driving history, vehicle make, and preferred coverage options.[3]

Get insights into a few of the cheapest car insurance companies in St. Petersburg and what makes them stand out from their competitors.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm9.3$83$66Full coverage
GEICO9.0$85$68Discounts
Allstate8.9$145$115Safe drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Best insurer for full coverage: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$77/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$90/mo
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)

Jannie

October 29, 2024

Verified Review

Good

The insurance is higher than other companies' policies.

Marsha

October 29, 2024

Verified Review

Friendly agents!

Check out their prices!

Linda

October 29, 2024

Verified Review

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm presents a diverse selection of coverages for drivers in St. Petersburg, like comprehensive, collision, medical payments, and rideshare insurance. State Farm also offers supplementary coverages, like rental car insurance and roadside assistance. Notably, gap insurance is missing from its offerings, so drivers concerned about total losses should pick a different insurer.

Pros
  • No. 1 spot in J.D. Power's customer satisfaction study in Florida

  • Plenty of available coverage options

Cons
  • Gap insurance not available

  • Online quotes not available

Best insurer for discounts: GEICO

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$80/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$94/mo
4.0
Best choiceBased on 10113 verified guest reviews and ratings
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,563)

Herman

October 29, 2024

Verified Review

Excellent

For us, it came down to cost and having all of our insurance with the same company, not farmed out.

Greg

October 29, 2024

Verified Review

It's Expensive

It's expensive.

Robert

October 29, 2024

Verified Review

Unpleasant Experience on Cape Cod

My insurance has gone from $37 a month to $82. Stay far away from this company.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO offers car insurance with relatively low average rates and a highly rated digital experience, drawing on 85 years of industry expertise. It offers plenty of discounts for drivers to save, including discounts for affiliations and organizations, owning a new vehicle, being a federal employee, and more. Plus, its mobile app lets policyholders file claims and manage their policies on the go.

Pros
  • Above-average J.D. Power claims satisfaction rating in Florida

  • Highly rated mobile app

Cons
  • Gap insurance not available

  • Rideshare insurance not available

Best insurer for safe drivers: Allstate

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$135/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$158/mo
4.0
Best choiceBased on 5531 verified guest reviews and ratings
How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,016)

Howard

October 29, 2024

Verified Review

They Have You By The Short Hairs

I was on a three-lane highway in heavy traffic and couldn't avoid a piece of metal in my lane. I couldn't swerve or I would have hit other cars. Allstate said the accident was the driver's fault and then doubled my insurance cost.

Hugh

October 29, 2024

Verified Review

Actual Crash Damages vs. Damages Quoted Over the Phone

There were problems getting the correct amount paid out when I made a claim. I had to escalate the issue to the Senior Vice President to get a proper settlement when a deer hit my truck. There was a $5000 difference between what was paid out when the estimator assessed the value of damage to my truck and the actual estimate done by a local car dealership. The Senior Vice President agreed that the amount of damage done was the amount quoted by the local car dealership.

Miriam

October 29, 2024

Verified Review

Best Overall

Check around before choosing. Allstate has been my choice for years.
See all Allstate reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

If you prioritize safe driving, Allstate offers a chance to save more on your car insurance. Not only does it offer a discount for drivers who are accident- and claims-free, but it also offers a usage-based insurance app, Drivewise, which rewards safe drivers. Policyholders can get a discount just for signing up for the app and additional discounts on their premiums when their policy renews every six months.

Pros
  • Plenty of discounts

  • Coverage for hybrids and classic cars

Cons
  • Higher average rates than competitors

  • Below-average J.D. Power insurance-shopping satisfaction rating

How to get the cheapest car insurance in St. Petersburg

When you’re in search of affordable car insurance coverage in St. Petersburg, remember to follow these helpful tips:

  • Ask about discounts. When looking for the best rate, one of the best questions you can ask an insurance agent is if their company offers available discounts, such as those for good driving habits, vehicle safety features, or insuring multiple cars.

  • Practice good driving habits. Make safe driving a top priority to maintain a clean record. In addition to adhering to traffic laws, avoid accidents and keep violations to a minimum to pay lower premiums.

  • Bundle your insurance policies. Consider combining your car insurance with other insurance products, such as renters insurance, life insurance, business insurance, or homeowners insurance, to potentially qualify for multi-policy discounts.

  • Compare your options. It’s a good idea to compare car insurance quotes from various insurance companies in St. Petersburg. Insurers offer different rates to drivers, so comparison shopping is the best way to find the most cost-effective prices based on your driving profile and coverage needs.

Find Cheap Car Insurance in St. Petersburg

Liability rates start at $77 per month

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Based on 3,806+ reviews
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ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in St. Petersburg: State Farm

Liability coverage is often the cheapest car insurance you can purchase while still maintaining Florida car insurance requirements. But liability coverage in Florida doesn’t pay for damages to your vehicle after an accident.

Liability policies in St. Petersburg cost $229 per month, on average. Below, you can see the most affordable liability-only policies in the area.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
State Farm$77
GEICO$80
Hugo$84
Mile Auto$134
Allstate$135
Safeco$151
Travelers$160
Mercury$161
Liberty Mutual$167
Direct Auto$172
Midvale Home & Auto$196
Progressive$201
Infinity$207
Foremost$229
Dairyland$239
GAINSCO$241
AssuranceAmerica$267
Bristol West$286
National General$324
The General$343
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in St. Petersburg: State Farm

While liability insurance meets Florida’s minimum requirements, it might not be enough coverage for your needs. For more protection against financial losses, consider full-coverage car insurance, which includes comprehensive and collision insurance. This type of auto insurance coverage is particularly beneficial for drivers with high-value vehicles, people in areas with high rates of accidents or car thefts, or anyone who wants more coverage than what liability insurance provides.

Full-coverage policies in St. Petersburg cost $281 per month, on average. Here, you can check out the cheapest car insurance companies for full-coverage policies.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
State Farm$90
GEICO$94
Allstate$158
Safeco$183
Mile Auto$186
Travelers$187
Mercury$194
GAINSCO$267
Hugo$280
Liberty Mutual$282
Progressive$283
Infinity$288
Midvale Home & Auto$294
Direct Auto$311
National General$337
Foremost$347
Dairyland$420
AssuranceAmerica$424
Bristol West$424
The General$497
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Saint Petersburg, Florida

Recent Saint Petersburg, Florida car insurance prices for Chrysler, Jeep, Hyundai , and more.

*Quotes generated for Insurify users in and around Saint Petersburg, Florida within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Saint Petersburg, Florida within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Florida

All drivers must meet Florida’s car insurance requirements, which means having both personal injury protection (PIP) and property damage liability insurance. PIP insurance covers 80% of medical expenses for covered injuries, up to $10,000, regardless of fault. Property damage liability insurance, on the other hand, takes care of the costs of property damage you cause in an accident.

Below are Florida’s minimum car insurance requirements:[2]

Coverage
Minimum Requirements
Personal injury protection$10,000 per accident
Property damage liability$10,000 per accident

Florida’s minimum requirements are notably low compared to other state requirements. If you cause an accident with more than $10,000 in damages, you’re on the hook for the excess amounts. So, it’s a good idea to raise policy limits and add more coverage to your auto insurance policy. Consider adding these types of coverages to your auto insurance policy for more protection:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for vehicle damages when you collide with a stationary object or another vehicle, even if you’re at fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for vehicle damages from events other than collisions, including fire, vandalism, theft, falling objects, and natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    For people financing or leasing their vehicles, gap coverage pays the difference between your auto loan balance and the insurance settlement in the event of a total loss.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If someone driving without insurance — or with policy limits too low to cover damages and injuries — causes an accident, this insurance kicks in to cover your costs.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Glass coverage

    This covers windshield and glass damage, and some policies even offer no-deductible protection for side windows, rear windows, and glass sunroofs.

Cheapest car insurance for St. Petersburg drivers with an incident

Incidents like speeding tickets, driving under the influence, at-fault accidents, or other moving violations on your driving record can lead to higher insurance premiums for St. Petersburg residents. Marks like these on your record signal to insurers that you’re at a higher risk of filing a claim, so companies raise rates to offset the risk.

Shop for Car Insurance in St. Petersburg

Monthly rates start at $89 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding tickets can influence your car insurance rates, even if you didn’t cause an accident while speeding. St. Petersburg car insurance companies consider them indicators of risky driving behavior, heightening the likelihood of future accidents and claims. As such, St. Petersburg drivers with a speeding ticket on their record pay an average of $278 per month for liability coverage.

If you’re searching for the most affordable car insurance companies in St. Petersburg and have a speeding ticket on your record, consult the table below.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm$77$91
GEICO$80$96
Hugo$84$100
Mile Auto$134$166
Allstate$135$162
Safeco$151$184
Travelers$160$193
Mercury$161$208
Liberty Mutual$167$218
Direct Auto$172$206
Progressive$201$240
Infinity$207$258
Foremost$229$299
Dairyland$239$287
GAINSCO$241$314
AssuranceAmerica$267$324
Bristol West$286$343
National General$324$390
The General$343$416
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Causing an accident can result in a notable spike in your car insurance rates, as insurance companies view at-fault accidents as indicators of heightened risk for future claims. St. Pete drivers with an accident on their record pay a monthly average of $300 for liability coverage.

Pinellas County, which includes St. Petersburg and Clearwater, reported more than 16,000 car crashes in 2021, a 15% increase from 2020.[4] Prioritizing safe driving and avoiding accidents not only protects you and others on the road but also helps you get lower insurance premiums.

The table below shows the cheapest car insurance companies in St. Petersburg for drivers with an at-fault accident on their records.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Accident
State Farm$77$98
GEICO$80$103
Hugo$84$116
Mile Auto$134$181
Allstate$135$174
Safeco$151$189
Travelers$160$207
Mercury$161$222
Liberty Mutual$167$231
Direct Auto$172$226
Progressive$201$262
Infinity$207$262
Foremost$229$316
Dairyland$239$305
GAINSCO$241$296
AssuranceAmerica$267$341
Bristol West$286$365
National General$324$419
The General$343$448
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Having a DUI conviction can lead to much higher car insurance rates. Insurance companies consider DUIs a significant risk factor, pointing to a higher likelihood of accidents and claims. As a result, your insurance premiums are likely tso rise significantly after a DUI.

Liability insurance for drivers in St. Petersburg with a DUI cost an average of $346 per month. Additionally, Florida may require you to purchase FR-44 insurance and keep it on file with the state for three years. Florida FR-44 insurance requires higher insurance limits, which will also increase rates.

The table below shows the cheapest car insurance companies for drivers with a DUI in St. Petersburg.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With DUI
State Farm$77$122
GEICO$80$126
Hugo$84$133
Mile Auto$134$212
Allstate$135$213
Safeco$151$239
Travelers$160$253
Mercury$161$232
Liberty Mutual$167$264
Direct Auto$172$272
Progressive$201$318
Infinity$207$327
Foremost$229$362
Dairyland$239$378
GAINSCO$241$381
AssuranceAmerica$267$422
Bristol West$286$452
National General$324$512
The General$343$542
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Auto insurers consider your age when determining your car insurance premiums. As you gain driving experience and reach your mid-30s, rates usually decrease. But around age 70, premiums may increase slightly due to factors such as potential health issues and higher accident risks.[5] 

Despite these new driving risks, seniors, who make up more than 19% of St. Petersburg’s population, still pay lower average car insurance rates than other age groups.[6]

The average liability rate for seniors in St. Petersburg is $183 per month. Here, you can see the cheapest car insurance companies for seniors in the area.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
State Farm$59$69
GEICO$63$74
Hugo$66$219
Mile Auto$100$138
Allstate$107$125
Mercury$123$148
Travelers$123$144
Safeco$125$151
Direct Auto$132$239
Liberty Mutual$137$232
Progressive$142$199
Infinity$155$215
Foremost$179$271
Dairyland$188$330
AssuranceAmerica$199$316
GAINSCO$199$220
Bristol West$225$334
National General$245$255
The General$275$399
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: GEICO

Teenagers and young adults pay higher rates compared to older drivers, mainly due to their limited experience and higher risk profiles. Teen drivers pay an average of $372 per month for liability insurance in St. Petersburg.

These high rates are, in part, because drivers ages 15 to 19 accounted for more than 1,600 crashes in Pinellas County in 2021.[4] Finding affordable car insurance as a teen driver is important, but you can stay on your parents’ policy and take advantage of student-centric discounts to get lower rates.

Here are the cheapest car insurance companies in St. Petersburg for teens and young drivers.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
GEICO$122$143
State Farm$127$148
Hugo$132$441
Allstate$230$270
Mile Auto$252$350
Mercury$279$337
Travelers$279$326
Liberty Mutual$286$482
Safeco$293$355
Direct Auto$303$547
Progressive$346$487
Infinity$364$506
Dairyland$378$664
Foremost$393$596
GAINSCO$406$450
Bristol West$466$691
AssuranceAmerica$476$756
The General$526$763
National General$619$644
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Auto Insurance in St. Petersburg, FL

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St. Petersburg car insurance quotes by credit tier

Car insurance companies in Florida can use your credit history when underwriting your auto insurance policy, but they can’t rely solely on it.[7] Insurers believe that a driver’s credit score correlates to their risk of filing a claim; higher credit scores indicate lower claims risk, and lower scores mean higher risk.

For St. Petersburg drivers, maintaining an excellent or good credit score can often lead to lower premiums, and drivers with poor credit scores may pay higher premiums.

Here’s how much St. Petersburg drivers pay for car insurance, on average, based on their credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in St. Petersburg?

Car insurance in St. Petersburg is more expensive compared to the national average and the state average. The average cost of car insurance in the U.S. is $104 per month for liability-only insurance, and full coverage costs $211.

But St. Petersburg residents face a steep average monthly premium of $281 for full coverage. Keep in mind that car insurance rates can vary widely due to factors like weather conditions, crime rates, and traffic volume within a city and its ZIP codes.[3]

St. Petersburg and neighboring Tampa have an 11% chance of hurricane weather every year, according to AccuWeather.[1] Plus, St. Petersburg attracts millions of tourists every year, contributing to more traffic and higher rates of accidents.

More cities in Florida

While St. Petersburg car insurance rates are higher than the state and national averages, the city still has lower rates than many other Florida areas, including its neighbor, Tampa.

Here’s how average car insurance costs in St. Petersburg compare to other cities in the state.

City
Full Coverage
Liability Only
Cape Coral$248$180
Clearwater$264$218
Fort Lauderdale$325$249
Jacksonville$266$187
Miami$373$258
Ocala$230$158
Orlando$289$202
Pensacola$256$160
Tallahassee$240$152
Tampa$362$293
Winter Haven$293$201
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

St. Petersburg car insurance FAQs

Below are the answers to common St. Petersburg car insurance questions. You can also check out Insurify’s guide on why your car insurance rates might be so high while you shop for quotes.

  • How much is car insurance in St. Petersburg?

    The average cost of car insurance in St. Petersburg is $229 per month for liability insurance and $281 per month for full coverage.

  • Which company has the cheapest car insurance in St. Petersburg?

    State Farm offers the cheapest car insurance in St. Petersburg, with liability rates starting at $77 per month. GEICO and Hugo also offer cheap car insurance in the area, at $80 and $84 per month, respectively.

  • What are the best car insurance companies in St. Petersburg?

    Some of the best car insurance companies in St. Petersburg include Allstate, GEICO, and State Farm. These insurers have low average premiums, high J.D. Power customer satisfaction ratings, and solid Insurify Quality (IQ) Scores.

    But the best car insurance company for you depends on your specific needs and budget. Always compare quotes from different companies to find the best deal for the coverage you need.

  • What factors can affect your auto insurance premiums in St. Petersburg?

    The most important factors out of your control that affect auto insurance rates in St. Petersburg are the city’s weather patterns, traffic accident rates, and theft rates. St. Petersburg is susceptible to hurricanes and other storm damages, which can cause insurance losses in the area and increase rates. Plus, the city’s influx of tourists every year, and thus its higher risk of crashes, can also affect rates.

  • Why is auto insurance so expensive in Florida?

    Florida experiences property damage from storms and hurricanes every year. In September 2022, Hurricane Ian caused an estimated $112 billion in total damages. Furthermore, a recent report from the Insurance Information Institute explains that the insurance industry in Florida experienced more than $1 billion in underwriting losses in 2020 and 2021.[8] To offset these losses, insurance companies increased rates in the state — or stopped offering coverage altogether.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. AccuWeather. "Top 5 US cities most vulnerable to hurricanes."
  2. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  3. III. "What determines the price of an auto insurance policy?."
  4. Florida Department of Highway Safety and Motor Vehicles. "Traffic Crash Facts Annual Report 2021."
  5. III. "Senior driving safety and insurance tips."
  6. U.S. Census Bureau. "QuickFacts: St. Petersburg city, Florida."
  7. 2011 Florida Statutes. "626.9741 Use of credit reports and credit scores by insurers.."
  8. III. "Trends and Insights: Addressing Florida’s Property/Casualty Insurance Crisis."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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