Best Cheap Auto Insurance Rates in St. Petersburg, Florida
State Farm has the cheapest full-coverage car insurance in St. Petersburg, at $143 per month.
Compare Car Insurance Rates in St. Petersburg, FL
Best cheap car insurance companies in St. Petersburg
To help you get the best cheap car insurance in St. Petersburg, FL, ValuePenguin compared quotes from the top car insurance companies across every ZIP code in the city.
To find the best insurance companies in St. Petersburg, Florida, we gathered quotes for minimum-coverage car insurance, which meets Florida's state requirements of $10,000 in personal injury protection (PIP) coverage and $10,000 in property damage coverage. Quotes for full-coverage policies included comprehensive and collision coverage, along with higher liability limits than state minimums.
Cheapest car insurance in St. Petersburg: State Farm
State Farm has the cheapest rate for a full-coverage policy in St. Petersburg, at $143 per month.
That's 45% cheaper than average, and $21 less per month than the second-cheapest option, Geico.
Cheapest full-coverage in St. Petersburg
Company | Monthly rate | |
|---|---|---|
| State Farm | $143 |
| Geico | $164 |
| Travelers | $205 |
| Farmers | $251 |
| UAIC | $277 |
| Progressive | $317 |
| Allstate | $463 |
The average rate for a full-coverage policy in St. Petersburg is $260 per month, which is $22 more per month than the average for the state of Florida.
Compare Car Insurance Rates in St. Petersburg, FL
Cheapest liability insurance quotes in St. Petersburg: Geico
Geico has the cheapest car insurance quotes in St. Petersburg.
A minimum-coverage policy from Geico costs $31 per month, which is 68% cheaper than the citywide average. The average cost of car insurance in St. Petersburg is $95 per month, or $1,146 per year, for minimum liability.
Compare Car Insurance Rates in St. Petersburg, FL
Drivers in St. Petersburg pay 4% more for minimum-coverage car insurance than the Florida state average, which is $91 per month.
Cheap minimum-coverage car insurance in St. Petersburg, FL
Company | Monthly rate | |
|---|---|---|
|
| Geico | $31 |
|
| State Farm | $41 |
|
| Travelers | $60 |
|
| Farmers | $76 |
|
| UAIC | $124 |
Cheapest quotes for young drivers in St. Pete: Geico
Geico has the cheapest car insurance quotes in St. Petersburg for teenage drivers.
A minimum-coverage policy from Geico costs $70 per month for an 18-year-old driver. That's 67% cheaper than the St. Petersburg average. Geico also has the most affordable full-coverage rates, at $369 per month, which is half as much as the average teen pays for coverage.
Monthly car insurance quotes for teens in St. Petersburg, FL
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $70 | $369 |
| State Farm | $113 | $403 |
| Travelers | $134 | $562 |
| Farmers | $250 | $861 |
| Progressive | $257 | $787 |
On average, young drivers in St. Petersburg pay $215 per month for minimum-coverage insurance and $744 per month for full coverage. That's two to three times as much as a 30-year-old driver pays for coverage.
Teen drivers may struggle to find cheap car insurance. That's because their lack of experience behind the wheel makes them more likely to cause an accident, making them more expensive to insure.
The easiest way to find affordable coverage as a teen is to share a car insurance policy with your parents.
Cheapest car insurance after a speeding ticket in St. Pete: State Farm
State Farm has the cheapest car insurance quotes in St. Petersburg for drivers with a recent speeding ticket. A full-coverage policy from State Farm costs $154 per month after a single speeding ticket, which is only half as much as the city average.
Cheapest car insurance after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $154 |
| Geico | $251 |
| Travelers | $253 |
| UAIC | $277 |
| Farmers | $300 |
Drivers in St. Petersburg pay an average of $306 per month for full-coverage insurance after a speeding ticket. That's 18% more than the average rate for a driver with a clean record.
Cheapest car insurance after an accident: State Farm
State Farm has the most affordable rates in St. Petersburg after an at-fault accident, at $165 per month for a full-coverage policy. That's 56% less expensive than average, and $47 per month less expensive than the second-cheapest option, Geico.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $165 |
| Geico | $212 |
| Travelers | $279 |
| Farmers | $346 |
| UAIC | $359 |
Having an accident on your record increases the average rate for a full-coverage policy in St. Petersburg by $117 per month — a 45% increase.
However, not all companies raise rates by the same amount. For example, State Farm only raises rates by 15% after a single at-fault accident, while Allstate's rates increase by 73%. That's why it's especially important for drivers to shop around for the best rates after an accident or ticket.
Cheapest quotes in St. Petersburg for drivers with a DUI: State Farm
State Farm has the cheapest policy for a driver with a DUI in St. Petersburg. A full-coverage policy from State Farm costs $154 per month — 56% cheaper than the city average.
Cheapest quotes for drivers with a DUI
Company | Monthly rate |
|---|---|
| State Farm | $154 |
| Geico | $262 |
| Farmers | $268 |
| Travelers | $304 |
| Progressive | $375 |
Insurance rates for drivers with a DUI on their record are much higher than rates for those with a clean record. In St. Petersburg, the average rate for a full-coverage policy for a driver with a DUI is $87 more per month compared to a driver with no DUI.
In addition, Florida drivers may need an FR-44 filing after a DUI, which can make it more difficult to find cheap insurance.
Cheapest car insurance for drivers with poor credit in St. Pete: UAIC
UAIC has the most affordable rates for St. Petersburg drivers with poor credit scores, at $277 per month for full coverage.
Cheapest car insurance for poor credit
Company | Monthly rate |
|---|---|
| UAIC | $277 |
| Geico | $281 |
| State Farm | $304 |
| Farmers | $351 |
| Travelers | $429 |
In many states, car insurance companies charge drivers with poor credit higher rates. That's because insurance companies believe drivers with poor credit are more likely to file claims, which can make them more expensive to insure.
In St. Petersburg, drivers with bad credit pay 67% more for full-coverage insurance compared to drivers with good credit.
Cheapest quotes for teen drivers with traffic violations: Geico
Geico also has the most affordable quotes for young drivers after a speeding ticket or at-fault accident.
Teen drivers with a single speeding ticket pay around $82 per month for minimum coverage from Geico, which is 65% cheaper than average. The same policy costs $72 per month after an at-fault accident, which is 74% less expensive than the St. Petersburg average.
Monthly minimum coverage quotes for teens after an incident
Company | Ticket | Accident |
|---|---|---|
| Geico | $82 | $72 |
| State Farm | $124 | $136 |
| Travelers | $164 | $185 |
| UAIC | $291 | $362 |
| Progressive | $293 | $287 |
On average, teen drivers in St. Petersburg can expect their insurance rates to increase by 9% after a single speeding ticket, and 17% after an accident.
Cheapest car insurance for married drivers: State Farm
State Farm has the cheapest full-coverage rates for married drivers in St. Petersburg, at $143 per month. That's despite the fact that State Farm doesn't offer a discount to married drivers.
Cheapest car insurance for married St. Petersburg drivers
Company | Monthly rate |
|---|---|
| State Farm | $143 |
| Geico | $164 |
| Travelers | $205 |
| UAIC | $249 |
| Farmers | $253 |
On average, married drivers in St. Petersburg pay 4% less for car insurance than their unmarried counterparts. Progressive has the largest discount for married drivers, at 19%.
Cheapest car insurance in St. Petersburg by ZIP code
Drivers in ZIP code 33708, which is located on the coast, have the cheapest car insurance rates in St. Pete, while those in 33714, near the city center, pay the most for insurance.
Car insurance rates within a city tend to be fairly similar, but there may be some variation depending on factors like population density, traffic and crime rates. Among the different ZIP codes in St. Petersburg, full-coverage policy rates only vary by $12 per month.
Full-coverage quotes by ZIP code
ZIP code | Monthly cost | % from average |
|---|---|---|
| 33701 | $260 | 0% |
| 33702 | $258 | -1% |
| 33703 | $258 | -1% |
| 33704 | $261 | 0% |
| 33705 | $263 | 1% |
Frequently asked questions
Who has the cheapest car insurance quotes in St. Petersburg, FL?
Geico has the cheapest minimum-coverage car insurance quotes in St. Petersburg, at $31 per month. Drivers who need full-coverage insurance can find the most affordable rates at State Farm, where a policy costs $143 per month.
What is the average monthly cost of car insurance in St. Petersburg?
Minimum-coverage car insurance costs around $95 per month in St. Petersburg, while full coverage costs $260 per month, on average. That's between 4% and 9% more expensive than the Florida state average.
How much car insurance is required in St. Petersburg, FL?
Florida law requires drivers to have a minimum of $10,000 of personal injury protection (PIP) and $10,000 of property damage liability coverage per accident. Some drivers may need higher limits, like those who require an SR-22 or FR-44 filing.
Methodology
To find the best cheap car insurance in St. Petersburg, ValuePenguin analyzed quotes from the top car insurance companies in Florida for ZIP codes across the city. Quotes are for a 30-year-old single male driver with a clean driving record and good credit score who drives a 2015 Honda Civic EX.
Full-coverage rates include higher liability limits than the Florida state minimum, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person/$100,000 per accident
- Personal injury protection: $10,000
- Property damage liability: $25,000 per accident
- Uninsured/underinsured motorist bodily injury liability: $50,000 per person/$100,000 per accident
- Comprehensive and collision coverage: $500 deductible
ValuePenguin pulled insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should only be used for comparison purposes. The actual rates from these insurers may vary.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.