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 CAR INSURANCE RATES
St. Petersburg Average (annual)Florida AverageNational Average
$2,703$2,309$1,548

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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 quotes to match your driving profile.


ST. PETERSBURG CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage 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.


CAR INSURANCE RATES BY AGE TIER IN ST. PETERSBURG
Age tierAverage 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.


ST. PETERSBURG CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage 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.


ST. PETERSBURG CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage 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.


ST. PETERSBURG AUTO INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage 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.

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

Brinker Insurance

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

Insurance Resources, LLC

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

Burkart & Company, P.A.

5301 Central Avenue, St. Petersburg, FL 33710

Moore Resources Insurance

4563 Central Ave, St. Petersburg, FL 33713

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

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.