How much does car insurance cost in St. Petersburg?
The average cost of auto insurance in St. Petersburg is $2,703 per year. That's more expensive than the average across Florida ($2,309) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in St. Petersburg.
ST. PETERSBURG CAR INSURANCE RATES
|St. Petersburg Average (annual)||Florida Average||National Average|
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St. Petersburg car insurance costs by company
The difference in auto insurance rates from company to company can be substantial. In St. Petersburg, State Farm provides the most affordable rates for the typical insurance customer. See below the best companies for cheap auto insurance in St. Petersburg — but don't forget to get personalized car insurance quotes to match your driving profile.
ST. PETERSBURG CAR INSURANCE RATES BY COMPANY
|Insurance Company||Average Annual Rate|
Car insurance rates by age bracket in St. Petersburg
The age group that pays the least for car insurance in St. Petersburg are drivers in their 50s ($2,481per year). Drivers in their 60s pay marginally higher rates — $2,534 per year.
The St. Petersburg drivers who pay the highest insurance rates are teenagers. When St. Petersburg drivers hit their 20s, their insurance rates drop substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in St. Petersburg is $4,211, the largest such difference between any two age groups.
CAR INSURANCE RATES BY AGE TIER IN ST. PETERSBURG
|Age tier||Average Yearly Rate|
St. Petersburg auto insurance costs by marital status and gender
In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers usually pay less for car insurance than their single counterparts. In St. Petersburg, married motorists pay $105 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in St. Petersburg, single drivers pay more than those who are widowed.
Gender is another factor that can affect auto insurance rates. In St. Petersburg, female drivers pay $64 per year more than do male drivers for car insurance.
ST. PETERSBURG CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Yearly Rate|
St. Petersburg car insurance costs by accident and violation history
No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
St. Petersburg drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $1,395 per year versus the city average. A ticket for speeding results in a $665 rate hike while a DWI or DUI violation costs $1,272per year in extra insurance expenditures.
ST. PETERSBURG CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$3,703|
|At-fault Accident (damages greater than $2,000)||$3,703|
|Speeding Ticket (16-20 mph over speed limit)||$3,368|
St. Petersburg auto insurance rates by credit level
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In fact, St. Petersburg drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 59% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In St. Petersburg, improving your credit to "Fair" could help you earn $2,027 in savings on insurance premiums each year.
ST. PETERSBURG AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Score||Average Yearly Rate|
What drives up car insurance rates in St. Petersburg?
Where you live in St. Petersburg affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately St. Petersburg is no exception to the rule. From ZIP code 33715 to 33705, premiums rise by 11 percent—that’s $225.
Expensive St. Petersburg ZIP codes: 33709, 33701, 33713, 33714, 33705
Cheap St. Petersburg ZIP codes: 33715, 33706, 33708, 33762, 33707
St. Petersburg Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In St. Petersburg, you can expect 97 rainy days with an annual rainfall of 53 inches. St. Petersburg is also known to experience thunderstorms and occasional hurricanes.
Rainy Days a Year
Avg. Annual Rainfall
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Car Insurance Companies in St. Petersburg
Find Local St. Petersburg Agents
Insurance Resources, LLC
6620 1st Ave South, St. Petersburg, FL 33707
Burkart & Company, P.A.
5301 Central Avenue, St. Petersburg, FL 33710
Moore Resources Insurance
4563 Central Ave, St. Petersburg, FL 33713
3706 49th St North, St. Petersburg, FL 33710
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