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 Average||State Average||National Average|
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 Score||Average Car Insurance Rate|
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
|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
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/Gender||Average 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 & 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
Moore Resources Insurance
4563 Central Ave St. Petersburg, FL 33713
Burkart & Company, P.A.
5301 Central Avenue St. Petersburg, FL 33710
3706 49th St North St. Petersburg, FL 33710
Insurance Resources, LLC
6620 1st Ave South St. Petersburg, FL 33707
The average St. Petersburg resident's annual cost of coverage
Our customer's average savings after comparing insurance
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