Best Cheap Auto Insurance Rates in St. Petersburg, Florida
Best Cheap Auto Insurance Rates in St. Petersburg, Florida
Compare Car Insurance Rates in St. Petersburg
The average rate for minimum liability coverage auto insurance in St. Petersburg, Florida, is slightly above the state average at $2,450 per year. Based on the average rates for an adult driver with a clean record, Geico offers the cheapest rate in St. Petersburg for a minimum coverage policy at $1,048 per year.
Cheap car insurance in St. Petersburg, Florida
While a minimum coverage auto insurance policy in St. Petersburg can cost as much as $4,506 per year, there are still some cheap options. Geico offers the cheapest rate at $1,048 per year for a minimum liability policy. State Farm is also a cheap option with a rate of $1,200 per year.
Compare Car Insurance Rates in St. Petersburg, FL
The two cheapest rates for a minimum liability policy in St. Petersburg are offered by Geico and State Farm.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Geico | $1,048 |
| 2 | State Farm | $1,200 |
| 3 | Progressive | $3,046 |
| 4 | Allstate | $4,506 |
Cheapest full coverage policy in St. Petersburg, Florida
The average rate for a full coverage policy in St. Petersburg is $3,664 per year. This is $434 more than the average for the state of Florida. Geico has the cheapest rate for a full coverage policy in St. Petersburg at $1,772 per year.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Geico | $1,772 |
| 2 | State Farm | $2,112 |
| 3 | Progressive | $4,834 |
| 4 | Allstate | $5,940 |
Cheapest car insurance in St. Petersburg for drivers with a speeding ticket
Having a speeding ticket on your record will almost always increase your insurance rate, as insurance companies consider a driver with a speeding ticket more at-risk. If you have a speeding ticket, the cheapest full coverage car insurance policy is offered by State Farm at $2,230 per year.
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $2,230 |
| 2 | Geico | $3,020 |
| 3 | Allstate | $5,940 |
| 4 | Progressive | $6,744 |
Cheapest car insurance in St. Petersburg for drivers with a DUI
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 $989 more per year compared to a driver with no DUI. The cheapest policy we found for a driver with a DUI on record is offered by State Farm at $2,230 per year.
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $2,230 |
| 2 | Geico | $3,181 |
| 3 | Allstate | $5,718 |
| 4 | Progressive | $7,417 |
Cheapest car insurance in St. Petersburg if you have an accident on your record
As you might expect, an at-fault accident on your record will also increase your car insurance rate. We found that having an accident on record in St. Petersburg increases the average rate for a full coverage policy by $1,491 per year. The cheapest policy for a driver with an accident is offered by Geico for $2,457 per year.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Geico | $2,457 |
| 2 | State Farm | $2,487 |
| 3 | Progressive | $7,154 |
| 4 | Allstate | $8,524 |
Cheapest car insurance for people with bad credit in St. Petersburg, Florida
In most states, car insurance companies will charge higher rates for drivers with poor credit. This is the case in St. Petersburg, where drivers with bad credit have to pay on average $1,496 more per year compared to drivers with average credit. The cheapest full coverage policy for a driver with bad credit in St. Petersburg is offered by Geico at $2,894 per year.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Geico | $2,894 |
| 2 | State Farm | $3,127 |
| 3 | Progressive | $5,906 |
| 4 | Allstate | $8,713 |
Cheapest car insurance in St. Petersburg by ZIP
Car insurance rates within a city tend to be fairly constant, but there can be some variation depending on factors such as population density, traffic and crime rates. Among the different ZIP codes in St. Petersburg, the average annual full coverage policy rates have a range of $290.
ZIP code | Average annual insurance cost |
|---|---|
| 33701 | $3,649 |
| 33702 | $3,637 |
| 33703 | $3,645 |
| 33704 | $3,674 |
| 33705 | $3,747 |
| 33707 | $3,701 |
| 33708 | $3,513 |
| 33709 | $3,692 |
| 33710 | $3,693 |
| 33711 | $3,721 |
| 33712 | $3,714 |
| 33713 | $3,735 |
Our methodology
For this report, we analyzed the four most popular car insurance companies in St. Petersburg, Florida. Unless stated otherwise, the sample driver we used to calculate the full coverage policy rates was a 30-year-old with no accidents, DUIs or speeding tickets.
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.