Car Insurance in St. Petersburg
On average, St. Petersburg premiums are 14% higher than the state average, so if you are insuring a vehicle in St. Petersburg, cutting costs is crucial. Going over some ways to save on St. Petersburg car insurance can save you money.
- City Average: $2,140
- State Average: $1,878
- National Average: $1,427
St. Petersburg Car Insurance by Accident or Violation History
Do you have an accident or violation on your record? That can influence your car insurance premiums. A DUI will increase your car insurance premiums more than other driving violations. Drivers with a DUI in St. Petersburg have rates $1,125 greater than the city average ($2,140). Reckless driving will drive your rates up as well, with typical rates of $3,239! You can expect your yearly car insurance payments to increase by $805 if you are found at-fault in an accident in St. Petersburg.
- DUI: $3,265
- Reckless Driving: $3,239
- At-fault Accident (damages less than $1000): $2,945
- At-fault Accident (damages greater than $2000): $2,945
- Speeding Ticket (16-20 mph over speed limit): $2,765
St. Petersburg Car Insurance by Age
The most significant decline in premiums for St. Petersburg drivers happens when they hit their 20s. Once out of the teenage age range, people reduce their premiums by 54%. Car insurance premiums in St. Petersburg continue to trend downward up until drivers hit 60. Car insurance premiums are highest for teenage drivers, with typical rates of $6,098 per year. Drivers in their 50s save money on insurance, as they have the lowest rates among all age groups, paying only $1,957 annually. People in their 60s ($1,995) aren’t paying significantly more.
- Teenagers: $6,098
- 20s: $2,799
- 30s: $2,131
- 40s: $2,090
- 50s: $1,957
- 60s: $1,995
- 70s: $2,429
St. Petersburg Car Insurance by Credit Rating
Drivers with Very Poor credit (300-579) normally pay more than twice as much every year for car insurance than those with Exceptional credit (800-850). In terms of percent change, moving from Fair (580-669) to Good (670-739) has the greatest positive effect on premiums, as it saves drivers close to 19% per year.
- Very Poor: $4,151
- Fair: $3,389
- Good: $2,752
- Very Good: $2,244
- Exceptional: $1,871
St. Petersburg Car Insurance by Gender and Marital Status
Car insurance premiums in St. Petersburg are affected by driver traits such as marital status and gender. Being married, as opposed to single, can save you close to $90 per year. Rates for those who are widowed are relatively cheaper than rates for those who are single. Premiums for women are generally 2% more expensive than for men.
- Female: $2,192
- Male: $2,140
- Single: $2,140
- Married: $2,054
- Divorced: $2,140
- Widowed: $2,093
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local St. Petersburg Agents
3706 49th St North St. Petersburg, FL 33710
Insurance Resources, LLC
6620 1st Ave South St. Petersburg, FL 33707
Moore Resources Insurance
4563 Central Ave St. Petersburg, FL 33713
Burkart & Company, P.A.
5301 Central Avenue St. Petersburg, FL 33710
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St. Petersburg Car Insurance
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