How Much Does Car Insurance Cost in St. Petersburg?


It is especially imperative to cut costs while insuring a vehicle in St. Petersburg because premiums in Florida are known for being costly. They are generally $408 higher than the national average. We've analyzed how auto insurance rates in St. Petersburg compare to premiums nationwide.


AUTO INSURANCE RATES: ST. PETERSBURG VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$2,355$1,977$1,569


St. Petersburg Auto Insurance by Credit Score


For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. In terms of percent change, the most significant benefit of better credit occurs when improving from Very Poor (300-579) to Fair (580-669), by which drivers can save around 40% per year.


ST. PETERSBURG CAR INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Car Insurance Rate
Very Poor$4,771
Fair$2,859
Good$2,355
Very Good$2,148
Exceptional$1,983


St. Petersburg Car Insurance After Accidents or Violations


Have you been involved in an at-fault accident or committed a moving violation?? That can influence your prices on car insurance. Reckless driving will increase your car insurance premiums more than other driving violations. Typically, a DUI in St. Petersburg will cost you 51% more in car insurance premiums versus the city average ($2,355). Reckless driving will drive your premiums up as well, with typical rates of $3,597, which are 53% higher than the city average! The amount of damage that results from an at-fault accident impacts insurance rates. When comparing premiums for drivers with at-fault accidents in St. Petersburg, those with damages exceeding $2,000 pay $33 more than those with damages less than $1,000.


AVERAGE ST. PETERSBURG INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Rate
DUI/DWI$3,553
Reckless Driving$3,597
At-fault Accident (damages less than $1,000)$3,213
At-fault Accident (damages greater than $2,000)$3,247
Speeding Ticket (16-20 mph over speed limit)$3,060


St. Petersburg Auto Insurance Costs by Age Bracket

Drivers in their 50s save money on insurance, as they have the smallest rates among all age groups, paying only $2,147 a year. People in their 60s ($2,193) have premiums that aren't much higher. The biggest drop in premiums for St. Petersburg drivers happens when they reach their 20s. Once out of the teenage age range, they save an average of 54%. When drivers turn 60, they will experience an insurance rate increase related to their age for the first time. Car insurance premiums are highest for teenage drivers, with payments that average $6,721 per year.


ST. PETERSBURG AUTO INSURANCE PRICES BY AGE
AgeAverage Rate
Teenagers$6,721
20s$3,081
30s$2,346
40s$2,298
50s$2,147
60s$2,193
70s$2,632


St. Petersburg Car Insurance by Marital Status and Gender


Pricing for car insurance premiums in St. Petersburg is dictated by many inputs, including marital status and gender. Rates for those who are widowed are moderately cheaper than rates for those who are single. Single individuals spend $99 more per year on car insurance compared to those who are married. Premiums for women tend to be 2% more expensive than for men.


ST. PETERSBURG CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$2,412
Male$2,355
Single$2,355
Married$2,256
Divorced$2,355
Widowed$2,303


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

97

Rainy Days a Year

53"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in St. Petersburg

2
Major Highways
U.S. 92 U.S. 192 I-275
2
Public Transit
PSTA Bus

Find Local St. Petersburg Agents

Moore Resources Insurance

4563 Central Ave St. Petersburg, FL 33713

Burkart & Company, P.A.

5301 Central Avenue St. Petersburg, FL 33710

Brinker Insurance

3706 49th St North St. Petersburg, FL 33710

Insurance Resources, LLC

6620 1st Ave South St. Petersburg, FL 33707

Not sure about St. Petersburg

Check out these other Florida cities...

Jacksonville

Miami

Tampa

Orlando

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2

$2,240

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

2

40%

Our customer's average savings after comparing insurance

Revised

358

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

See How Much You Can Save in St. Petersburg

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Recent Questions:

St. Petersburg Car Insurance

Does the at-fault drivers' property damage liability coverage pay for lost or damaged property that was in my vehicle?

The at-fault driver's insurance company is responsible. Their property damage liability coverage will pay for any property lost in the accident.

PIP claims are keeping me from getting car insurance

It's hard to give advice for this outside of look at as many companies as possible. Because of the nature of risk associated with customers with PIP claims, car insurance companies either won't write you a policy or will charge you a very high premium.

How do we get insurance rate down after dropping bad driver from policy?

Simply dropping him from most policies should be sufficient to lower your rate. For most companies, the change in premium is immediate after you've added/removed a driver or vehicle.

Does having car insurance build credit?

You are correct that, in the majority of states, credit has an impact on your overall rate. However, maintaining car insurance and paying your bill on time will not result in a significant impact on your credit score like making timely credit card payments.