How Much Are Car Insurance Rates in St. Petersburg?


Premiums in Florida, which are 32% higher than the national average, are known for being pricey. Premiums run even higher in the city, so it is vital to save while insuring a vehicle in St. Petersburg. Let's take a look at how auto insurance costs in St. Petersburg contrast with rates nationwide.


CAR INSURANCE COSTS: ST. PETERSBURG VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$2,140$1,878$1,427


St. Petersburg Auto Insurance by Credit Score


People with Very Poor credit (300-579) normally pay 122% more each year for car insurance than those with Exceptional credit (800-850). In terms of percent change, the largest benefit of better credit comes from boosting from Fair (580-669) to Good (670-739), by which drivers can save approximately 19% per year.


ST. PETERSBURG AUTO INSURANCE COSTS BY CREDIT TIER
Credit ScoreAverage Auto Insurance Rate
Very Poor$4,151
Fair$3,389
Good$2,752
Very Good$2,244
Exceptional$1,871


St. Petersburg Car Insurance by Marital Status and Gender


Car insurance premiums in St. Petersburg are impacted by driver traits such as gender and marital status. Those who are married save 4% per year compared to those who are single. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Premiums for men are typically 2% cheaper than for women.


ST. PETERSBURG CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$2,192
Male$2,140
Single$2,140
Married$2,054
Divorced$2,140
Widowed$2,093


St. Petersburg Car Insurance for High-Risk Drivers


Accidents and violations can cost you in terms of prices on car insurance. Accidents happen, even to safe drivers, so be prepared and learn what can happen to your rates following one. $805 is, on average, the additional cost for car insurance in St. Petersburg if you have an at-fault accident on your driving record. $1,125 is the additional cost per year for drivers with a DUI in St. Petersburg, compared to the city average of $2,140. Reckless driving will also bump your premiums up, with average rates of $3,239, which are 51% higher than the city average!


AVERAGE ST. PETERSBURG INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Rate
DUI$3,265
Reckless Driving$3,239
At-fault Accident (damages less than $1,000)$2,945
At-fault Accident (damages greater than $2,000)$2,945
Speeding Ticket (16-20 mph over speed limit)$2,765


St. Petersburg Car Insurance Rates by Age

Teenage drivers are the ones who pay the most in car insurance premiums, with average payments of $6,098. Among all age groups, drivers in their 50s have the lowest premiums, with rates of $1,957/year. However, those in their 60s ($1,995) have premiums that aren't much higher. In St. Petersburg, drivers see the most significant fall in premiums when they reach their 20s, as they save an average of $3,299 from moving out of the teenage age range. Car insurance premiums in St. Petersburg continue to trend downward up until drivers hit 60.


ST. PETERSBURG AUTO INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Rate
Teenagers$6,098
20s$2,799
30s$2,131
40s$2,090
50s$1,957
60s$1,995
70s$2,429


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

Car Insurance Companies in St. Petersburg

Find Local St. Petersburg Agents

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

Burkart & Company, P.A.

5301 Central Avenue St. Petersburg, FL 33710

See All

Not sure about St. Petersburg

Check out these other Florida cities...

Jacksonville

Miami

Tampa

Orlando

Hialeah

2

$2,240

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

2

40%

Our customer's average savings after comparing insurance

icon_coffee

358

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

Your information is secure.
Additional Resources:

St. Petersburg Car Insurance

How to Update Your Driver’s License When You Move to a New State
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017

Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...

Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017

  Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...

Car Insurance for First-Time Drivers: 6 Things You Should Know
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017

A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...

Driverless Car Laws by State
Driverless Car Laws by State
Mar 16, 2017

While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

What You Need to Know about Getting High and Driving in 2017
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017

Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....

4 Consequences of Driving without Insurance
4 Consequences of Driving without Insurance
Jan 27, 2017

If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...

The Rundown on “No Refusal” Weekends
The Rundown on “No Refusal” Weekends
Dec 20, 2016

The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...

How Long After a Car Crash Can You File a Claim?
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016

Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...

What’s the Most Expensive Traffic Ticket in Your State?
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016

If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

Driver’s License Points: Do They Matter?
Driver’s License Points: Do They Matter?
Sep 23, 2016

In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...

Who Pays More for Car Insurance: Democrats or Republicans?
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016

Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...

Which States Have the Cheapest Car Insurance?
Which States Have the Cheapest Car Insurance?
Aug 02, 2016

Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...

Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016

Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...

Study: Poor Credit Will Cost You Double for Car Insurance
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016

Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...