Best Cheap Auto Insurance Rates in St. Petersburg, Florida
State Farm has the cheapest full coverage car insurance in St. Petersburg, at $182 per month. The cheapest minimum coverage car insurance in St. Petersburg is from Geico, at $43 per month.
Compare Car Insurance Rates in St. Petersburg, FL
Best cheap car insurance companies in St. Petersburg
How we chose the top companies
Cheapest car insurance in St. Petersburg: State Farm
State Farm has the cheapest rate for a full coverage policy in St. Petersburg, at $182 per month.
That's 38% cheaper than average.
Travelers is only $2 more per month than State Farm, but State Farm is the better option because it has much better customer service.
Compare Car Insurance Rates in St. Petersburg, FL
Cheapest full coverage in St. Petersburg
Company | Monthly rate | |
|---|---|---|
| State Farm | $182 |
| Travelers | $184 |
| Geico | $190 |
| UAIC | $232 |
| Progressive | $320 |
*USAA is only available to current and former military members and their families.
The average rate for a full coverage policy in St. Petersburg is $294 per month, which is $22 more per month than the average for the state of Florida.
Cheapest liability insurance quotes in St. Petersburg: Geico
Geico has the cheapest liability-only car insurance quotes in St. Petersburg.
A minimum coverage policy from Geico costs $43 per month, which is 60% cheaper than the citywide average.
The average cost of car insurance in St. Petersburg is $106 per month, or $1,272 per year, for a liability-only insurance policy.
Cheap minimum coverage car insurance in St. Petersburg, FL
Company | Monthly rate |
|---|---|
| Geico | $43 |
| Travelers | $57 |
| State Farm | $60 |
| Farmers | $114 |
| UAIC | $131 |
*USAA is only available to current and former military members and their families.
Cheapest quotes for young drivers in St. Pete: Geico and Travelers
Geico and Travelers have the cheapest car insurance quotes in St. Petersburg for teenage drivers.
A minimum coverage policy from Geico costs $99 per month for an 18-year-old driver. That's 63% cheaper than the St. Petersburg average.
For full coverage, Travelers has the cheapest price, at $476 per month. Geico's only a few dollars more, at $479 per month. Both are much cheaper than the city average of $882 per month.
Monthly car insurance quotes for teens in St. Petersburg, FL
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $99 | $479 |
| Travelers | $124 | $476 |
| State Farm | $161 | $528 |
| UAIC | $306 | $532 |
| Allstate | $367 | $1,485 |
*USAA is only available to current and former military members and their families.
Teen drivers may struggle to find cheap car insurance. Their lack of experience and tendency to take risks behind the wheel makes them more likely to cause an accident, which increases the cost of insurance.
The best way to find affordable coverage as a teen is to share a car insurance policy with your parents. Car insurance companies charge much less for a family with a teen than for two separate policies. You can also ask your insurance company about discounts specifically for teens, such as for getting good grades.
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 $196 per month after a single speeding ticket, which is about half as much as the city average.
Cheapest car insurance after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $196 |
| Travelers | $224 |
| UAIC | $232 |
| Geico | $314 |
| Progressive | $427 |
*USAA is only available to current and former military members and their families.
Drivers in St. Petersburg pay an average of $347 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 $212 per month for a full coverage policy. That's half the average price across the city, and it’s $37 per month less expensive than the second-cheapest option, Travelers.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $212 |
| Travelers | $249 |
| Geico | $258 |
| UAIC | $304 |
| Progressive | $477 |
*USAA is only available to current and former military members and their families.
Having an accident on your record increases the average rate for a full coverage policy in St. Petersburg by 46%. That's because drivers who were responsible for one accident are statistically more likely to file another claim in the future.
However, not all companies raise rates by the same amount. For example, State Farm only raises rates by 16% after a single at-fault accident, while Allstate's rates increase by 75%. That's why it's especially important for drivers to shop around for the best rates after an accident or ticket.
Cheapest quotes for teen drivers with traffic incidents: Geico
Geico has the most affordable quotes for young drivers after they've had a driving incident like a speeding ticket or at-fault accident.
After a speeding ticket, Geico charges an 18-year-old $116 per month for a liability-only policy. That's 60% below the St. Pete average of $294 per month.
After an at-fault accident, Geico's typical price for a teen is just $102 per month. That's three quarters lower than the average across the city, and it’s $69 per month less than Travelers, the second-cheapest option.
Company | Ticket | Accident |
|---|---|---|
| Geico | $116 | $102 |
| Travelers | $150 | $171 |
| State Farm | $177 | $194 |
| UAIC | $306 | $381 |
| Allstate | $367 | $710 |
*USAA is only available to current and former military members and their families.
On average, teen drivers in St. Petersburg can expect to pay about $294 per month after a single speeding ticket and $363 after an accident.
Insurance companies have found that filing one insurance claim makes you more likely to make another claim in the future, so your rates go up. The good news is that younger drivers typically see a smaller rate hike than older adults, and the increase will gradually fall off over a three-year period.
Cheapest quotes in St. Petersburg for drivers with a DUI: Travelers
Travelers has the cheapest policy for a driver with a DUI in St. Petersburg. A full coverage policy from State Farm costs $297 per month — 37% cheaper than the city average.
Driving while intoxicated is very risky behavior, and people who are convicted of a DUI almost always pay much more for insurance as a result. The typical insurance rate for drivers with a DUI in St. Petersburg is $469 per month, or 60% more than you'd pay with a clean record.
Cheapest quotes for drivers with a DUI
Company | Monthly rate |
|---|---|
| Travelers | $297 |
| Progressive | $395 |
| Geico | $399 |
| UAIC | $414 |
| Farmers | $463 |
*USAA is only available to current and former military members and their families.
Florida drivers may also 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 $232 per month for full coverage.
That's 59% below the city average of $469 per month.
Cheapest car insurance for poor credit
Company | Monthly rate |
|---|---|
| UAIC | $232 |
| Geico | $352 |
| Travelers | $376 |
| Progressive | $504 |
| Farmers | $571 |
*USAA is only available to current and former military members and their families.
In many states, car insurance companies charge drivers with poor credit higher rates. That's because insurance companies believe that 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 93% more for full coverage insurance compared to drivers with good credit.
Cheapest car insurance in St. Petersburg by neighborhood
Drivers in Lealman pay the most for car insurance in the St. Petersburg area, at $293 per month.
The cheapest area of St. Petersburg for car insurance is near Orange Estates and Madeira Beach. But rates in St. Petersburg don't vary much, as it's only $16 cheaper than the most expensive neighborhood.
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.
Full coverage quotes by ZIP code
ZIP | Monthly rate | % from average |
|---|---|---|
| 33701 | $290 | 1% |
| 33702 | $288 | 0% |
| 33703 | $289 | 0% |
| 33704 | $291 | 1% |
| 33705 | $293 | 2% |
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 $43 per month. Drivers who need full coverage insurance can find the most affordable rates at State Farm, where a policy costs $182 per month.
What is the average monthly cost of car insurance in St. Petersburg?
Full coverage car insurance costs around $294 per month in St. Petersburg, while liability-only costs $106 per month, on 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 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 seven 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.
