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 Average||State Average||National Average|
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 Score||Average Auto Insurance Rate|
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/Gender||Average Rate|
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
|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
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
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
The average St. Petersburg resident's annual cost of coverage
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St. Petersburg Car Insurance
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