Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

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 Average (annual) Florida Average National Average
$2,703 $2,309 $1,548

Jump to St. Petersburg car insurance rates by:

Or compare car insurance rates instantly:

Location pin icon
No spam. We take your privacy seriously.

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 quotesto match your driving profile.

Insurance Company Average Annual Rate
State Farm $1,926
GEICO $2,501
Progressive $3,072
Allstate $3,720

Read our guide to finding the best cheap auto insurance.

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.

Age tier Average Yearly Rate
Teenagers $7,652
20s $3,441
30s $2,696
40s $2,645
50s $2,481
60s $2,534
70s $3,090

Learn more about the impact of age on car insurance premiums.

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.

Marital Status/Gender Average Yearly Rate
Female $2,767
Male $2,703
Single $2,598
Married $2,598
Divorced $2,703
Widowed $2,652

Learn more about the impact gender and marital status have on insurance rates.

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.

Violation/Incident Average Yearly Rate
DUI/DWI $3,975
Reckless Driving $4,099
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

Learn more about citations' impact on your auto insurance rates.

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.

Credit Score Average Yearly Rate
Very Poor $5,342
Fair $3,315
Good $2,703
Very Good $2,451
Exceptional $2,175

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

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


Avg. Annual Snowfall

Be Prepared For

Driving in St. Petersburg

Major Highways

U.S. 92

U.S. 192


Public Transit


Find Local St. Petersburg Agents

Burkart & Company, P.A.

5301 Central Avenue, St. Petersburg, FL 33710

Moore Resources Insurance

4563 Central Ave, St. Petersburg, FL 33713

Insurance Resources, LLC

6620 1st Ave South, St. Petersburg, FL 33707

Brinker Insurance

3706 49th St North, St. Petersburg, FL 33710


The average St. Petersburg resident's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 358 cups of coffee or $896 in savings

See How Much You Can Save in St. Petersburg

Just enter your ZIP code to get started

Location pin icon
No junk mail. No spam calls. Free quotes.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.