We at the Guides Team will break down how much car insurance in St. Petersburg costs based on different driving profiles and explain what factors can affect your auto insurance rates. If you’re looking for coverage, we recommend reaching out to the best car insurance companies in the nation for free quotes.
Cheapest Car Insurance in St. Petersburg
The cheapest car insurance in St. Petersburg is typically offered by Geico, State Farm, Travelers, Farmers and Allstate. How much you pay for car insurance in St. Petersburg will vary depending on your driving history and the amount of auto coverage you choose.
Cheapest Liability Car Insurance in St. Petersburg
In St. Petersburg, we found that Geico and State Farm offer the cheapest state minimum coverage on average. Geico costs an average of $49 per month and $585 per year for a minimum-coverage auto policy, while State Farm averages $72 per month or $866 per year.
Every state sets different requirements when it comes to car insurance coverage. It usually includes liability coverage (bodily injury liability and property damage liability) at a minimum.
Cheapest Full-Coverage Car Insurance in St. Petersburg
The car insurance providers that offer the cheapest full-coverage rates in St. Petersburg are generally State Farm, at an average of $162 per month or $1,941 per year, and Geico, at an average of $178 per month or $2,141 per year.
The most expensive full-coverage provider in St. Petersburg, Fla., is often National General Insurance, which charges an average of $342 per month or $4,108 per year.
Car Insurance Quotes in St. Petersburg
Car insurance quotes depend on a variety of factors, such as age, gender and driving record. Below are car insurance quotes based on our average estimates for the cheapest car insurance rates in St. Petersburg for several of these factors.
Cheapest Car Insurance St. Petersburg: Age and Marital Status
Age is one of the factors that significantly impacts car insurance premiums. If you’re a teen or younger driver, you can expect to pay more for car insurance. That’s because insurance agencies see you as a higher risk until you have more experience behind the wheel.
Marital status also affects car insurance rates, as married drivers usually pay less for coverage than single drivers.
The costs below reflect average rates for 24-year-old single and 35-year-old married drivers in St. Petersburg. As shown below, single 24-year-old drivers pay hundreds of dollars more for full-coverage car insurance than married 35-year-old drivers.
Cheapest Car Insurance St. Petersburg: Gender
On average, car insurance rates for men and women tend to be about the same. But sometimes, costs can vary depending on the location and the type of vehicle you purchase.
The table below shows the average cost of full-coverage car insurance by provider for 35-year-old male and female drivers. Geico tends to be the cheapest provider for both groups.
Cheapest Car Insurance St. Petersburg: High-Risk Drivers
Another significant factor that can impact your car insurance rates is your driving record. If you have a speeding ticket, DUI or at-fault car accident on your record, you might pay hundreds of dollars more for car insurance coverage each year.
The sections below highlight the providers that offer the cheapest full-coverage car insurance based on different driving violations.
Car Insurance Prices in St. Petersburg: Speeding Ticket
According to our rate estimates, State Farm and Travelers provide the best rates on average for drivers with a recent speeding ticket. State Farm costs $183 per month or $2,199 per year on average, while drivers pay an average of $210 per month or $2,518 per year for full coverage with Travelers.
Car Insurance Prices in St. Petersburg: At-Fault Accident
In St. Petersburg, having an at-fault accident on your driving record can significantly impact your car insurance rates. We found that State Farm generally provides the cheapest car insurance prices for motorists with a recent accident on their record, costing $196 per month or $2,354 per year on average for full coverage.
Car Insurance Prices in St. Petersburg: DUI
St. Petersburg car insurance skyrockets if you have a recent DUI on your record. Based on our cost estimates, State Farm typically provides cheap car insurance for motorists with a DUI, costing $183 per month or $2,199 per year on average for full coverage.
How Much Does Car Insurance Cost in St. Petersburg?
Based on our research, the average cost of car insurance in St. Petersburg is $244 per month or $2,926 per year for a full-coverage insurance policy. This is about 69% more expensive than the national average, which is $1,730 per year. These averages are based on a 35-year-old driver with a clean driving record and good credit score.
Car Insurance Prices in St. Petersburg: What Affects Them?
Car insurance costs are based on several factors, some of which are in your control and some of which aren’t. Understanding the factors that are in your control can help ensure you get the best car insurance quotes possible.
Here are the factors that affect car insurance rates:
- Driving record
- Credit history
- Marital status
Cheap Car Insurance in St. Petersburg: Conclusion
The average cost of auto insurance in St. Petersburg is far above the national average even if you have a perfect driving record. Motorists in the city can generally find affordable car insurance through Geico, State Farm, Travelers, Farmers and Progressive.
Cheapest Auto Insurance in St. Petersburg: FAQ
Below are frequently asked questions about car insurance in St. Petersburg:
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- 800 hours researched
- 45 companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.