St. Petersburg, FL Auto Insurance (2024)
The average St. Petersburg, FL auto insurance rates are $445 per month. The minimum auto insurance in St. Petersburg is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in St. Petersburg, Florida, compare quotes from multiple companies.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in St. Petersburg is USAA
- The average commute length in St. Petersburg is 23.7 minutes
- Average auto insurance rates in St. Petersburg, FL for senior drivers are $3,209 per year
St. Petersburg, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in St. Petersburg can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in St. Petersburg, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in St. Petersburg to other Florida cities, including Fort Lauderdale auto insurance rates, Tampa auto insurance rates, and Cape Coral auto insurance rates to see how St. Petersburg, Florida auto insurance rates stack up.
Before you buy St. Petersburg, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free St. Petersburg, Florida auto insurance quotes.
Minimum Auto Insurance in St. Petersburg, Florida
St. Petersburg, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in St. Petersburg, Florida.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $10,000 per person $20,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Cheap St. Petersburg, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in St. Petersburg, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $5,449 | $5,207 | $4,769 | $4,838 | $19,007 | $20,729 | $5,353 | $5,406 |
| Geico | $3,545 | $3,567 | $3,310 | $3,310 | $6,310 | $7,943 | $3,910 | $3,983 |
| Liberty Mutual | $4,077 | $4,077 | $3,725 | $3,725 | $8,757 | $13,562 | $4,077 | $5,578 |
| Nationwide | $3,500 | $3,457 | $3,122 | $3,230 | $8,501 | $10,490 | $3,863 | $4,026 |
| Progressive | $4,104 | $3,831 | $3,498 | $3,753 | $11,544 | $12,483 | $4,904 | $4,604 |
| State Farm | $2,357 | $2,357 | $2,141 | $2,141 | $7,034 | $8,986 | $2,631 | $2,809 |
| USAA | $1,803 | $1,769 | $1,694 | $1,674 | $6,284 | $7,257 | $2,250 | $2,423 |
Cheap St. Petersburg, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in St. Petersburg, Florida is a challenge. Take a look at the annual teen auto insurance rates in St. Petersburg, Florida.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $19,007 | $20,729 |
| Geico | $6,310 | $7,943 |
| Liberty Mutual | $8,757 | $13,562 |
| Nationwide | $8,501 | $10,490 |
| Progressive | $11,544 | $12,483 |
| State Farm | $7,034 | $8,986 |
| USAA | $6,284 | $7,257 |
Cheap St. Petersburg, Florida Auto Insurance for Seniors
What are senior auto insurance rates in St. Petersburg, Florida? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,769 | $4,838 |
| Geico | $3,310 | $3,310 |
| Liberty Mutual | $3,725 | $3,725 |
| Nationwide | $3,122 | $3,230 |
| Progressive | $3,498 | $3,753 |
| State Farm | $2,141 | $2,141 |
| USAA | $1,694 | $1,674 |
Cheap St. Petersburg, Florida Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in St. Petersburg, Florida compared to the annual auto insurance rates with a clean record in St. Petersburg, Florida.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $7,611 | $9,154 | $10,155 | $8,459 |
| Geico | $3,141 | $3,999 | $5,925 | $4,874 |
| Liberty Mutual | $4,207 | $5,547 | $8,184 | $5,851 |
| Nationwide | $4,278 | $4,701 | $6,356 | $4,760 |
| Progressive | $4,827 | $7,094 | $5,997 | $6,443 |
| State Farm | $3,471 | $4,142 | $3,807 | $3,807 |
| USAA | $2,450 | $3,039 | $4,515 | $2,572 |
Cheap St. Petersburg, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in St. Petersburg, Florida is not easy. Compare the annual rates for DUI auto insurance in St. Petersburg, Florida to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $10,155 |
| Geico | $5,925 |
| Liberty Mutual | $8,184 |
| Nationwide | $6,356 |
| Progressive | $5,997 |
| State Farm | $3,807 |
| USAA | $4,515 |
Cheap St. Petersburg, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how St. Petersburg, Florida annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $12,429 | $7,810 | $6,295 |
| Geico | $6,507 | $3,960 | $2,988 |
| Liberty Mutual | $7,699 | $5,616 | $4,527 |
| Nationwide | $6,285 | $4,613 | $4,172 |
| Progressive | $7,934 | $5,648 | $4,689 |
| State Farm | $5,246 | $3,403 | $2,772 |
| USAA | $5,101 | $2,509 | $1,823 |
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Cheap St. Petersburg, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in St. Petersburg, Florida can vary. Compare the annual cost of auto insurance by ZIP code in St. Petersburg, Florida to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 33701 | $4,097 |
| 33702 | $4,102 |
| 33703 | $4,102 |
| 33704 | $4,097 |
| 33705 | $4,128 |
| 33710 | $4,116 |
| 33711 | $4,128 |
| 33712 | $4,128 |
| 33713 | $4,128 |
| 33714 | $4,128 |
| 33715 | $4,021 |
| 33716 | $4,102 |
| 33730 | $4,102 |
Cheap St. Petersburg, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect St. Petersburg, Florida auto insurance. Find the cheapest annual St. Petersburg, Florida auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $8,590 | $9,099 |
| Geico | $4,462 | $4,507 |
| Liberty Mutual | $5,750 | $6,144 |
| Nationwide | $5,024 | $5,024 |
| Progressive | $6,090 | $6,090 |
| State Farm | $3,673 | $3,940 |
| USAA | $3,108 | $3,180 |
Cheap St. Petersburg, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in St. Petersburg, Florida? Check out the comparison of annual St. Petersburg, Florida auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,526 | $9,369 | $10,639 |
| Geico | $3,586 | $4,655 | $5,214 |
| Liberty Mutual | $5,412 | $6,054 | $6,376 |
| Nationwide | $3,816 | $5,249 | $6,006 |
| Progressive | $4,904 | $6,257 | $7,110 |
| State Farm | $3,205 | $3,911 | $4,305 |
| USAA | $2,660 | $3,271 | $3,502 |
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Best By Category: Cheapest Auto Insurance in St. Petersburg, Florida
Compare the cheapest auto insurance companies in St. Petersburg, Florida in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest St. Petersburg, Florida Auto Insurance Companies
What auto insurance companies in St. Petersburg, Florida are the cheapest? Compare the top St. Petersburg, Florida auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $8,845 |
| Geico | $4,485 |
| Liberty Mutual | $5,947 |
| Nationwide | $5,024 |
| Progressive | $6,090 |
| State Farm | $3,807 |
| USAA | $3,144 |
What affects auto insurance rates in St. Petersburg, Florida?
There are a lot of reasons why auto insurance rates in St. Petersburg, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in St. Petersburg, Florida. Many local factors may affect your St. Petersburg auto insurance rates.
St. Petersburg Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual St. Petersburg, Florida auto theft statistics, there have been 746 auto thefts in the city.
St. Petersburg Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average St. Petersburg, Florida commute length is 23.7 minutes according to City-Data.
St. Petersburg Traffic
How does St. Petersburg, Florida rank for traffic? According to Inrix St. Petersburg, Florida is the 810th most congested worldwide.
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Compare St. Petersburg, Florida Auto Insurance Quotes
Before you buy St. Petersburg, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free St. Petersburg, Florida auto insurance quotes.
Frequently Asked Questions
How do ZIP codes and commute length affect auto insurance rates in St. Petersburg, FL?
Auto insurance rates in St. Petersburg, FL can vary based on ZIP codes and commute length. Different areas may have different risk factors, which can impact insurance rates. Similarly, longer commutes or higher annual mileage may result in higher rates. Comparing quotes based on these factors can help find the most affordable options.
How does credit history affect auto insurance rates in St. Petersburg, FL?
Credit history can have a major effect on auto insurance rates in St. Petersburg, FL. Insurers often consider credit scores when determining rates. Generally, individuals with better credit scores may qualify for lower rates. It is advisable to maintain good credit to potentially reduce insurance costs.
What are the auto insurance rates after a DUI in St. Petersburg, FL?
Auto insurance rates after a DUI in St. Petersburg, FL can be higher. The specific rates can vary depending on the insurance company. It is recommended to compare quotes from different insurers to find the best rates after a DUI.
How does driving record affect auto insurance rates in St. Petersburg, FL?
Driving record has a significant impact on auto insurance rates in St. Petersburg, FL. Drivers with a clean record generally pay lower rates compared to those with accidents, DUIs, or speeding violations. It is important to maintain a good driving record to keep insurance costs down.
What is the average auto insurance rate in St. Petersburg, FL?
The average auto insurance rate in St. Petersburg, FL is $445 per month.
What is the minimum auto insurance coverage required in St. Petersburg, FL?
To comply with Florida auto insurance laws, the minimum auto insurance coverage required in St. Petersburg, FL is 10/20/10, which means $10,000 bodily injury liability coverage per person, $20,000 bodily injury liability coverage per accident, and $10,000 property damage liability coverage.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.