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St. Petersburg, FL Car Insurance

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How Much Does Car Insurance Cost in St. Petersburg?

The average car insurance cost in St. Petersburg is $2,698 per year. It is higher than the state’s average rate of $2,297 and the nation’s average of $1,541. However, several aspects are assessed by insurers when calculating your car insurance quote. The most common aspects that influence your annual auto insurance cost in St. Petersburg are your marital status, driving history, credit tier, age, and location.

If you want savings on your car insurance premiums, then it is best to extensively compare the rates of different companies. Looking closely at the unique rates from different insurance companies in St. Petersburg according to your location, age, driving history, credit tier, and marital status will help you choose one that best fits your driving status.

St. Petersburg Car Insurance Costs by Company

Different car insurance companies in St. Petersburg have different policies and rates. State Farm offers the cheapest car insurance in St. Petersburg with an average rate of $1,911 annually. Maintaining a clean driving history will keep your car insurance rates to stay on the average.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,911$159
GEICO$2,488$207
MetLife$2,577$215
Progressive$3,053$254
Allstate$3,711$309

Florida Cheapest Car Insurance Rates For Minimum Coverage

There are several car insurance companies in Florida that provide minimum car insurance coverage at a competitive price. State Farm by far offers the best deal when it comes to purchasing car insurance with minimum coverage. State Farms annual rate for drivers with minimum coverage is at $2,528 yearly.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,528$211
GEICO$3,206$267
Direct Auto$3,266$272
Allstate$3,911$326
MetLife$5,222$435

St. Petersburg Auto Insurance Rates by Age Bracket

Your age also impacts your car insurance rates in St. Petersburg. Drivers in St. Petersburg within the age range of 50+ pay cheaper auto insurance premiums in comparison to other age groups. Teenagers, however, pay the most for car insurance in St. Petersburg. On a brighter note, when teens reach the age of 20, a significant decrease in their car insurance premiums will promptly apply.

St. Petersburg Car Insurance Rates Per Age Group

Age GroupAnnual RateMonthly Rate
Teenagers$7,643$636
20s$3,432$286
30s$2,682$224
40s$2,631$219
50s$2,471$206
60s$2,529$211
70s$3,078$257

Florida Cheapest Full Coverage Insurance Rates For Young Drivers With Clean Driving History

In Florida, teen drivers are considered high-risk drivers. That is why they pay the most expensive car insurance rates in Florida. But, if you are a young driver without any driving violation, several auto insurance companies in Florida that provide less expensive premiums.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,001$167
GEICO$2,487$207
MetLife$2,877$240
Allstate$3,922$327
Direct Auto$3,201$267

St. Petersburg Car Insurance Premiums By Gender and Marital Status

Your marital status and gender are other factors that influence your car insurance rates in St. Petersburg. Married couples and widowed drivers in St. Petersburg pay cheaper rates in contrast to single drivers. While married couples are considered low-risk drivers compared to single drivers, their gender also affects their overall auto insurance premiums. Male drivers in St. Petersburg are considered skillful drivers than females. Thus, female drivers pay more than males for car insurance in St. Petersburg.

St. Petersburg Car Insurance Premiums by Marital Status and Gender

Marital Status/GenderAnnual RateMonthly Rate
Male$2,693$224
Female$2,756$230
Single$2,582$215
Married$2,691$224
Divorced$2,691$224
Widowed$2,644$222

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Florida Cheapest Car Insurance Rates For Married Couples

As was mentioned, married couples pay cheaper car insurance rates in Florida. Married couples are considered financially stable and low-risk drivers. Thus, they are given cheaper car insurance rates in Florida. MetLife by far offers the cheapest auto insurance rates for married couples.

Insurance CompanyAnnual RateMonthly Rate
MetLife$2,374$198
State Farm$2,721$227
GEICO$3,022$252
Direct Auto$3,233$269
Allstate$3,333$278

St. Petersburg Auto Insurance Rates After an Accident or Violation

Keeping a good driver profile will significantly help minimize your St. Petersburg car insurance costs. One at-fault accident can cause your premiums to significantly increase. Additionally, acquiring speeding tickets, and reckless driving citations are also considered risks. Thus, maintaining a clean driving record in St. Petersburg will keep your premiums low and close to the average of $2,698 per year

St. Petersburg Car Insurance Rates For High-Risk Drivers

Driving ViolationAnnual RateMonthly Rate
DUI/DWI$3,961$330
Reckless Driving$4,077$340
At-Fault Accident (less than $1000 damages)$3,694$308
At-Fault Accident (more than $1000 damages)$3,694$308
Speeding Ticket$3,352$279

Florida Average Auto Insurance Costs With One At-Fault Accident

Typically, one at-fault accident will drive your car insurance rates in Florida up. Depending on the number of damages acquired, drivers who have been in an at-fault accident pay expensive auto insurance rates in Florida. However, there are car insurance companies around Florida that offer less expensive car insurance premiums to high-risk drivers.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,033$169
GEICO$2,821$239
MetLife$3,237$270
Direct Auto$3,411$284
Allstate$3,962$330

Florida Average Car Insurance Rate After A Ticket

Receiving a speeding ticket might not seem like a big deal but, in Florida, drivers will pay more on their auto insurance premiums after a ticket. However, some insurance companies around the state provide cheap car insurance premiums to reckless drivers in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,902$159
GEICO$2,955$246
MetLife$2,721$227
Direct Auto$3,163$264
Allstate$2,811$234

St. Petersburg Auto Insurance Rates by Credit Tier

Your credit score is another factor St. Petersburg auto insurance companies look at when calculating your car insurance rates. Building your credit from Very Poor to Exceptional will give you savings up to 59% annually on your car insurance rates. Hence, keeping a good credit score is one way for your rates to stay on the average in St. Petersburg.

St. Petersburg Car Insurance Premiums by Credit Tier

Credit LevelAnnual RateMonthly Rate
Very Poor$5,331$444
Fair$3, 303$275
Good$2,682$224
Very Good$2,439$203
Exceptional$2,158$180

Florida Average Car Insurance Rates by Poor Credit with Minimum Coverage

Several car insurance companies in Florida provide cheap premiums for drivers with poor credit who purchase minimum coverage policies. State Farm offers the cheapest car insurance rates with minimum coverage in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,989$166
GEICO$1,955$163
United Auto$2,671$223
Direct Auto$1,298$108
Allstate$2,244$187

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Florida Average Car Insurance Rates For Good Drivers With Poor Credit

Your credit score is one of the aspects that impact your car insurance rates in Florida. Having a poor credit score can increase your car insurance premiums. However, if you are a good driver with poor credit, there are several car insurance companies in Florida that offer cheap coverage despite the poor credit tier.

Insurance CompanyAnnual RateMonthly Rate
Direct Auto$2,528$211
United Auto$3,206$267
State Farm$3,266$272
GEICO$3,911$326
Allstate$5,222$435

St. Petersburg Car Insurance Cost by ZIP Code

Your location also influences the increase or decrease in your car insurance quotes. Living in areas prone to theft and accident will render expensive auto insurance rates in St. Petersburg. However, there are specific locations or ZIP codes in St. Petersburg that garners cheap car insurance rates. Some, on the other hand, are considered high-risk; thus, drivers living in areas considered risky in St. Petersburg tend to pay a lot more for their auto insurance premiums.

St. Petersburg ZIP Codes With Expensive Car Insurance RatesSt. Petersburg ZIP Codes With Cheap Car Insurance Rates
3370933715
3370133706
3371333708
3371433762
3370533707

St. Petersburg Car Insurance FAQs

  • To whose car insurance company should I contact to file a property damage claim in St. Petersburg?

    You will need to contact both parties to find out who’s at fault during the collision. However, if the at-fault driver is clear, then it is ideal to file with the at-fault driver’s insurance provider.

  • What is the most ideal thing to disclose to my insurance agent in St. Petersburg after an accident?

    It is recommended to disclose your medical conditions to your insurance providers. However, it is best to tell them the generic condition of your health instead of going for the technical terms and specifics.

  • When do I need to contact a car accident lawyer after an accident in St. Petersburg?

    Insurance claims are tricky and it will take thorough and strict protocols to successfully claim your coverage. Thus, it is best to speak to a lawyer immediately after an accident.

  • How long do I have to wait to consult a doctor after a car crash in St. Petersburg?

    There is a 14-day rule to see a physician after an accident. However, it does not affect the amount of coverage you will earn. It will only cause suspicion if you wait 14 days. Thus, it is best to see a doctor as soon as can after a collision.

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