Cheapest Auto Insurance in St. Petersburg, Florida (2026)
Progressive offers the cheapest car insurance in St. Petersburg, with rates starting at $98 per month.
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Written byJacqueline DeMarco
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Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Reviewed byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
At the edge of Tampa Bay, St. Petersburg, Florida, is home to plenty of cultural and beachfront experiences, plus slightly higher-than-average car insurance premiums. The average cost of car insurance in St. Petersburg is $141 per month for liability-only coverage and $218 for full-coverage insurance, far exceeding the national averages of $99 and $173 for respective coverages.
The city’s high rates of tourism and 11% annual chance of hurricanes contribute to its comparatively expensive car insurance premiums.[1] Here’s how you can compare quotes and find affordable car insurance in St. Pete.
Quick Facts
Progressive, Mile Auto, and State Farm have the cheapest car insurance in St. Petersburg.
St. Petersburg drivers pay a yearly average of $2,621 for full-coverage insurance.
Florida car insurance requirements include personal injury protection instead of bodily injury liability.[2]
3 of the cheapest car insurance companies in St. Petersburg
Selecting the right car insurance company in St. Petersburg requires careful consideration of your individual needs and circumstances. The best car insurance company for you varies based on factors such as your driving history, vehicle make, and preferred coverage options.[3]
Get insights into a few of the cheapest car insurance companies in St. Petersburg and what makes them stand out from their competitors.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $116 | $106 | Full coverage |
| GEICO | 9.2 | $179 | $158 | Discounts |
| Allstate | 8.9 | $202 | $185 | Safe drivers |
Disclaimer: Table data is based on real-time Saint Petersburg quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Best insurer for full coverage: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $106/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $148/mo |
4.0
Best choice in Saint Petersburg, FLBased on 16,551 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Saint Petersburg for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Saint Petersburg for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Florida reviews for Saint Petersburg drivers - See all 7,299 State Farm reviews
Robert
Verified Review
State Farm
Reviewed in Florida on March 30, 2026
State Farm is expensive, and despite their plug-in for my car, they don’t offer any discounts. I have been with them for about 7 years, same vehicle, no tickets or accidents, and they won’t decrease my rate.
Peter
Verified Review
Had enough.
Reviewed in Florida on March 28, 2026
Overpriced, don’t receive proof of insurance card frequently, and do not give you a reminder until the last minute.
Sylvia
Verified Review
State Farm is too expensive!
Reviewed in Florida on March 28, 2026
I still have State Farm, but I'm looking for lower rates with full coverage! I received offers from Progressive, Allstate, and others using the same coverage specs, and prices were lower. I asked State Farm to review my rates and get them closer to the other car insurance offers. So far, I've not received any better offers.
James
Verified Review
State Farm is the best
Reviewed in Florida on March 27, 2026
State Farm auto insurance is about $2000 less per 6 months than my former insurance company (The Hartford), for the exact same coverage.
Jacquelyn
Verified Review
Evaluation
Reviewed in Florida on March 23, 2026
My local agent is great. The national level, not so much. I was in an accident two years ago and was told I would get no help from your company even though I was not at fault and the other driver was cited. I never got reimbursed for my expenses to get home to Florida from Virginia.
Barbara
Verified Review
Competitors Admit They Can’t Compete with SF Prices
Reviewed in Florida on March 22, 2026
Tap into discount advantages, open to questions, respectful, responds in a timely manner, knowledgeable.
Rebscca
Verified Review
State Farm
Reviewed in Florida on March 22, 2026
The folks at the State Farm office are awesome. However, the insurance is way too expensive.
Linda
Verified Review
Reasonable Rates
Reviewed in Florida on March 21, 2026
My current rate is much more reasonable than other companies.
Troy
Verified Review
Great service, price is a little high
Reviewed in Florida on March 21, 2026
It's a little expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm presents a diverse selection of coverages for drivers in St. Petersburg, like comprehensive, collision, medical payments, and rideshare insurance. State Farm also offers supplementary coverages, like rental car insurance and roadside assistance. Notably, gap insurance is missing from its offerings, so drivers concerned about total losses should pick a different insurer.
Pros
No. 1 spot in J.D. Power's customer satisfaction study in Florida
Plenty of available coverage options
Cons
Gap insurance not available
Online quotes not available
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $120/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $208/mo |
4.0
Best choice in Saint Petersburg, FLBased on 16,802 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Saint Petersburg for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Saint Petersburg for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 Florida reviews for Saint Petersburg drivers - See all 7,536 GEICO reviews
Pamala
Verified Review
Mostly Happy with Geico 😏
Reviewed in Florida on March 28, 2026
I have been very happy with Geico. They were there and insured me when everyone else wanted to charge me twice as much, and that was more than 5 years ago. My rates at one point were as low as $35 a month, and then all of a sudden they shot up to $55 to $58 a month with zero tickets, zero accidents, and zero claims, which is why I started shopping around. But to be perfectly honest, even though I can get insurance for $14 less a month on average, I think I'm going to stick with Geico because they were there when I needed a break, and that goes a long way with me.
Jeffrey
Verified Review
Dump Geico, Go to Progressive
Reviewed in Florida on March 28, 2026
Nice, no one calls me for anything, and they are very competitive on pricing. Good price for the money.
William
Verified Review
Excellent
Reviewed in Florida on March 26, 2026
I like them, but they're just too expensive.
Laura
Verified Review
Paying Too Much
Reviewed in Florida on March 21, 2026
Paying for a no-fault accident.
Gerald
Verified Review
Shop for insurance
Reviewed in Florida on March 21, 2026
Check around for lower prices.
Joseph
Verified Review
Great
Reviewed in Florida on March 21, 2026
Great customer support.
Jeff
Verified Review
Doubling my premium
Reviewed in Florida on March 20, 2026
I have GEICO. I had a very small accident and they doubled my insurance for two years. I don’t think that’s fair, considering I’ve had no claims in over 30 years.
Thelma
Verified Review
I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.
Reviewed in Florida on March 19, 2026
I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.
Patricia
Verified Purchase
I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.
Reviewed in Florida on March 12, 2026
I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers car insurance with relatively low average rates and a highly rated digital experience, drawing on 85 years of industry expertise. It offers plenty of discounts for drivers to save, including discounts for affiliations and organizations, owning a new vehicle, being a federal employee, and more. Plus, its mobile app lets policyholders file claims and manage their policies on the go.
Pros
Above-average J.D. Power claims satisfaction rating in Florida
Highly rated mobile app
Cons
Gap insurance not available
Rideshare insurance not available
Best insurer for safe drivers: Allstate
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $184/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $257/mo |
3.8
A solid option in Saint Petersburg, FLBased on 9,920 verified driver reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Saint Petersburg for
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Saint Petersburg for
Accident forgiveness
Wide availability
Cheap rates
Showing 75 Florida reviews for Saint Petersburg drivers - See all 4,345 Allstate reviews
Toni
Verified Review
Shopping around
Reviewed in Florida on March 27, 2026
The representative offered me higher liability coverage for a good price, but I don't want or need it. When I questioned another representative, she was snippy and said they don't just provide basic state coverage, which is not true. I'm not really happy with them as it seems like they're looking to make a commission at my expense and lying about it. I'm looking around now that renewal is about to go into effect.
Donald
Verified Review
Too Little Too Late from Allstate
Reviewed in Florida on March 20, 2026
I’m no longer with Allstate. I switched to State Farm 2 years ago, who gave me a much better rate.
Miguel
Verified Review
Overall I rated Allstate 3.5 out of 5
Reviewed in Florida on March 18, 2026
I think customers must be informed of their options without reservation and not just focus on the bottom line for the company or representative. If a customer qualifies for a much lower rate according to all established rules, then why not go over it with the customer, explaining the details?
Gregory
Verified Review
Help from Rosa
Reviewed in Florida on March 17, 2026
Great, the agent I spoke with, Rosa, helped me and did a great job. She answered all my questions and was very polite and knowledgeable.
Sandra
Verified Review
Great Insurance Company
Reviewed in Florida on March 12, 2026
I have had Allstate since 1973, so I am really happy with my policy. No one else seems to meet the coverage and price.
Leslee
Verified Review
Basically satisfied with policy.
Reviewed in Florida on March 2, 2026
The experience has been very good; however, we feel like we need a policy that is more cost-effective.
Kenneth
Verified Review
Smug People Working in One Office
Reviewed in Florida on March 2, 2026
Allstate has a terrible crew. I never see the owner of the place, a smug guy that I don’t trust. Their prices are exceptionally high for nothing gained. I'm ready to find a new company to give my business to.
Joseph
Verified Review
Rising Rates, Zero Loyalty Considerations
Reviewed in Florida on March 1, 2026
They have been a good company for paying out on claims, but loyalty gets nothing in consideration to rates. I have been with them since 1982 and my rates are through the roof. They are always raising and NEVER offering a lower rate. I’m curious how much of my rate goes to agent commission.
Dan
Verified Review
Best Price
Reviewed in Florida on February 25, 2026
Best price.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
If you prioritize safe driving, Allstate offers a chance to save more on your car insurance. Not only does it offer a discount for drivers who are accident- and claims-free, but it also offers a usage-based insurance app, Drivewise, which rewards safe drivers. Policyholders can get a discount just for signing up for the app and additional discounts on their premiums when their policy renews every six months.
Pros
Plenty of discounts
Coverage for hybrids and classic cars
Cons
Higher average rates than competitors
Below-average J.D. Power insurance-shopping satisfaction rating
How to get the cheapest car insurance in St. Petersburg
When you’re in search of affordable car insurance coverage in St. Petersburg, remember to follow these helpful tips:
Ask about discounts. When looking for the best rate, one of the best questions you can ask an insurance agent is if their company offers available discounts, such as those for good driving habits, vehicle safety features, or insuring multiple cars.
Practice good driving habits. Make safe driving a top priority to maintain a clean record. In addition to adhering to traffic laws, avoid accidents and keep violations to a minimum to pay lower premiums.
Bundle your insurance policies. Consider combining your car insurance with other insurance products, such as renters insurance, life insurance, business insurance, or homeowners insurance, to potentially qualify for multi-policy discounts.
Compare your options. It’s a good idea to compare car insurance quotes from various insurance companies in St. Petersburg. Insurers offer different rates to drivers, so comparison shopping is the best way to find the most cost-effective prices based on your driving profile and coverage needs.
Find Cheap Car Insurance in St. Petersburg
Liability rates start at $98 per month
Excellent
4.7 out of 5 based on 13,041 reviews
Secure. Free. Easy-to-use.
Cheapest liability-only car insurance in St. Petersburg: Progressive
Liability coverage is often the cheapest car insurance you can purchase while still maintaining Florida car insurance requirements. But liability coverage in Florida doesn’t pay for damages to your vehicle after an accident.
Liability policies in St. Petersburg cost $141 per month, on average. Below, you can see the most affordable liability-only policies in the area.
The below rates in Saint Petersburg, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $98 |
| Mile Auto | $106 |
| State Farm | $106 |
| Clearcover | $109 |
| GEICO | $120 |
| Dairyland | $124 |
| Embark | $135 |
| Infinity | $137 |
| Mercury | $151 |
| Direct Auto | $152 |
| GAINSCO | $155 |
| The General | $164 |
| Bristol West | $176 |
| Root | $183 |
| Allstate | $184 |
| AssuranceAmerica | $188 |
| National General | $188 |
| Travelers | $219 |
| Mendota | $285 |
| First Acceptance | $298 |
| Liberty Mutual | $298 |
Disclaimer: Table data sourced from real-time Saint Petersburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Saint Petersburg may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in St. Petersburg: State Farm
While liability insurance meets Florida’s minimum requirements, it might not be enough coverage for your needs. For more protection against financial losses, consider full-coverage car insurance, which includes comprehensive and collision insurance. This type of auto insurance coverage is particularly beneficial for drivers with high-value vehicles, people in areas with high rates of accidents or car thefts, or anyone who wants more coverage than what liability insurance provides.
Full-coverage policies in St. Petersburg cost $218 per month, on average. Here, you can check out the cheapest car insurance companies for full-coverage policies.
The below rates in Saint Petersburg, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $148 |
| Progressive | $166 |
| Mile Auto | $171 |
| Mercury | $203 |
| GEICO | $208 |
| National General | $218 |
| Clearcover | $226 |
| Direct Auto | $229 |
| Bristol West | $246 |
| Allstate | $257 |
| Infinity | $258 |
| The General | $269 |
| Embark | $293 |
| Root | $295 |
| AssuranceAmerica | $296 |
| Travelers | $305 |
| GAINSCO | $316 |
| Liberty Mutual | $337 |
| Dairyland | $351 |
| First Acceptance | $382 |
| Mendota | $389 |
Disclaimer: Table data sourced from real-time Saint Petersburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Saint Petersburg may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Saint Petersburg, Florida
Drivers using Insurify have found quotes as cheap as $65/mo for liability only and $116/mo for full coverage in Saint Petersburg and other Florida cities.
*Quotes generated for Insurify users in and around Saint Petersburg, Florida within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Saint Petersburg, Florida within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
All drivers must meet Florida’s car insurance requirements, which means having both personal injury protection (PIP) and property damage liability insurance. PIP insurance covers 80% of medical expenses for covered injuries, up to $10,000, regardless of fault. Property damage liability insurance, on the other hand, takes care of the costs of property damage you cause in an accident.
Below are Florida’s minimum car insurance requirements:[2]
Coverage | Minimum Requirements |
|---|---|
| Personal injury protection | $10,000 per accident |
| Property damage liability | $10,000 per accident |
Florida’s minimum requirements are notably low compared to other state requirements. If you cause an accident with more than $10,000 in damages, you’re on the hook for the excess amounts. So, it’s a good idea to raise policy limits and add more coverage to your auto insurance policy. Consider adding these types of coverages to your auto insurance policy for more protection:
Collision coverage
Collision coverage pays for vehicle damages when you collide with a stationary object or another vehicle, even if you’re at fault.
Comprehensive coverage
Comprehensive coverage pays for vehicle damages from events other than collisions, including fire, vandalism, theft, falling objects, and natural disasters.
Gap coverage
For people financing or leasing their vehicles, gap coverage pays the difference between your auto loan balance and the insurance settlement in the event of a total loss.
Uninsured/underinsured motorist coverage
If someone driving without insurance — or with policy limits too low to cover damages and injuries — causes an accident, this insurance kicks in to cover your costs.
Glass coverage
This covers windshield and glass damage, and some policies even offer no-deductible protection for side windows, rear windows, and glass sunroofs.
Cheapest car insurance for St. Petersburg drivers with an incident
Incidents like speeding tickets, driving under the influence, at-fault accidents, or other moving violations on your driving record can lead to higher insurance premiums for St. Petersburg residents. Marks like these on your record signal to insurers that you’re at a higher risk of filing a claim, so companies raise rates to offset the risk.
Shop for Car Insurance in St. Petersburg
Monthly rates start at $110 for drivers with an incident
Excellent
4.7 out of 5 based on 13,041 reviews
Secure. Free. Easy-to-use.
Cheapest car insurance for drivers with a speeding ticket: Progressive
Speeding tickets can influence your car insurance rates, even if you didn’t cause an accident while speeding. St. Petersburg car insurance companies consider them indicators of risky driving behavior, heightening the likelihood of future accidents and claims. As such, St. Petersburg drivers with a speeding ticket on their record pay an average of $164 per month for liability coverage.
If you’re searching for the most affordable car insurance companies in St. Petersburg and have a speeding ticket on your record, consult the table below.
The below rates in Saint Petersburg, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Progressive | $98 | $114 |
| Mile Auto | $106 | $125 |
| State Farm | $106 | $130 |
| GEICO | $120 | $151 |
| Dairyland | $124 | $149 |
| Embark | $135 | $157 |
| Infinity | $137 | $168 |
| Mercury | $151 | $204 |
| Direct Auto | $152 | $183 |
| GAINSCO | $155 | $178 |
| The General | $164 | $212 |
| Bristol West | $176 | $213 |
| Root | $183 | $235 |
| Allstate | $184 | $231 |
| AssuranceAmerica | $188 | $230 |
| National General | $188 | $225 |
| Travelers | $219 | $274 |
| Mendota | $285 | $331 |
| First Acceptance | $298 | $346 |
| Liberty Mutual | $298 | $365 |
Disclaimer: Table data sourced from real-time Saint Petersburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Saint Petersburg may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Progressive
Causing an accident can result in a notable spike in your car insurance rates, as insurance companies view at-fault accidents as indicators of heightened risk for future claims. St. Pete drivers with an accident on their record pay a monthly average of $178 for liability coverage.
Pinellas County, which includes St. Petersburg and Clearwater, reported more than 16,000 car crashes in 2021, a 15% increase from 2020.[4] Prioritizing safe driving and avoiding accidents not only protects you and others on the road but also helps you get lower insurance premiums.
The table below shows the cheapest car insurance companies in St. Petersburg for drivers with an at-fault accident on their records.
The below rates in Saint Petersburg, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Progressive | $98 | $124 |
| Mile Auto | $106 | $140 |
| State Farm | $106 | $137 |
| GEICO | $120 | $152 |
| Dairyland | $124 | $161 |
| Embark | $135 | $170 |
| Infinity | $137 | $173 |
| Mercury | $151 | $223 |
| Direct Auto | $152 | $203 |
| GAINSCO | $155 | $194 |
| The General | $164 | $221 |
| Bristol West | $176 | $226 |
| Root | $183 | $239 |
| Allstate | $184 | $241 |
| AssuranceAmerica | $188 | $244 |
| National General | $188 | $244 |
| Travelers | $219 | $288 |
| Mendota | $285 | $359 |
| First Acceptance | $298 | $376 |
| Liberty Mutual | $298 | $387 |
Disclaimer: Table data sourced from real-time Saint Petersburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Saint Petersburg may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Progressive
Having a DUI conviction can lead to much higher car insurance rates. Insurance companies consider DUIs a significant risk factor, pointing to a higher likelihood of accidents and claims. As a result, your insurance premiums are likely tso rise significantly after a DUI.
Liability insurance for drivers in St. Petersburg with a DUI cost an average of $200 per month. Additionally, Florida may require you to purchase FR-44 insurance and keep it on file with the state for three years. Florida FR-44 insurance requires higher insurance limits, which will also increase rates.
The table below shows the cheapest car insurance companies for drivers with a DUI in St. Petersburg.
The below rates in Saint Petersburg, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Progressive | $98 | $139 |
| Mile Auto | $106 | $154 |
| State Farm | $106 | $154 |
| GEICO | $120 | $172 |
| Dairyland | $124 | $180 |
| Embark | $135 | $192 |
| Infinity | $137 | $199 |
| Mercury | $151 | $228 |
| Direct Auto | $152 | $221 |
| GAINSCO | $155 | $225 |
| The General | $164 | $238 |
| Bristol West | $176 | $256 |
| Root | $183 | $267 |
| Allstate | $184 | $267 |
| AssuranceAmerica | $188 | $273 |
| National General | $188 | $273 |
| Travelers | $219 | $318 |
| Mendota | $285 | $404 |
| First Acceptance | $298 | $423 |
| Liberty Mutual | $298 | $433 |
Disclaimer: Table data sourced from real-time Saint Petersburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Saint Petersburg may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Mile Auto
Auto insurers consider your age when determining your car insurance premiums. As you gain driving experience and reach your mid-30s, rates usually decrease. But around age 70, premiums may increase slightly due to factors such as potential health issues and higher accident risks.[5]
Despite these new driving risks, seniors, who make up more than 19% of St. Petersburg’s population, still pay lower average car insurance rates than other age groups.[6]
The average liability rate for seniors in St. Petersburg is $127 per month. Here, you can see the cheapest car insurance companies for seniors in the area.
The below rates in Saint Petersburg, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Mile Auto | $85 | $137 |
| State Farm | $85 | $119 |
| Progressive | $88 | $149 |
| GEICO | $97 | $169 |
| Infinity | $103 | $193 |
| Dairyland | $107 | $303 |
| Embark | $121 | $263 |
| Mercury | $123 | $166 |
| Direct Auto | $125 | $189 |
| GAINSCO | $134 | $274 |
| The General | $141 | $231 |
| Bristol West | $149 | $209 |
| AssuranceAmerica | $150 | $236 |
| National General | $151 | $175 |
| Allstate | $152 | $213 |
| Root | $156 | $252 |
| Travelers | $179 | $249 |
| Liberty Mutual | $254 | $287 |
| Mendota | $256 | $349 |
| First Acceptance | $268 | $343 |
Disclaimer: Table data sourced from real-time Saint Petersburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Saint Petersburg may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Progressive
Teenagers and young adults pay higher rates compared to older drivers, mainly due to their limited experience and higher risk profiles. Teen drivers pay an average of $244 per month for liability insurance in St. Petersburg.
These high rates are, in part, because drivers ages 15 to 19 accounted for more than 1,600 crashes in Pinellas County in 2021.[4] Finding affordable car insurance as a teen driver is important, but you can stay on your parents’ policy and take advantage of student-centric discounts to get lower rates.
Here are the cheapest car insurance companies in St. Petersburg for teens and young drivers.
The below rates in Saint Petersburg, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Progressive | $169 | $287 |
| State Farm | $201 | $281 |
| Dairyland | $207 | $587 |
| GEICO | $209 | $363 |
| Mile Auto | $214 | $345 |
| Embark | $233 | $507 |
| Infinity | $250 | $470 |
| Mercury | $273 | $367 |
| GAINSCO | $276 | $563 |
| The General | $280 | $460 |
| Direct Auto | $286 | $431 |
| Bristol West | $307 | $429 |
| Root | $308 | $497 |
| Allstate | $356 | $498 |
| National General | $373 | $432 |
| AssuranceAmerica | $382 | $602 |
| Travelers | $446 | $621 |
| Mendota | $493 | $673 |
| Liberty Mutual | $512 | $580 |
| First Acceptance | $515 | $661 |
Disclaimer: Table data sourced from real-time Saint Petersburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Saint Petersburg may vary based on the policy buyer's unique driver profile.
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St. Petersburg car insurance quotes by credit tier
Car insurance companies in Florida can use your credit history when underwriting your auto insurance policy, but they can’t rely solely on it.[7] Insurers believe that a driver’s credit score correlates to their risk of filing a claim; higher credit scores indicate lower claims risk, and lower scores mean higher risk.
For St. Petersburg drivers, maintaining an excellent or good credit score can often lead to lower premiums, and drivers with poor credit scores may pay higher premiums.
Here’s how much St. Petersburg drivers pay for car insurance, on average, based on their credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in St. Petersburg?
Car insurance in St. Petersburg is more expensive compared to the national average and the state average. The average cost of car insurance in the U.S. is $99 per month for liability-only insurance, and full coverage costs $173.
But St. Petersburg residents face a steep average monthly premium of $218 for full coverage. Keep in mind that car insurance rates can vary widely due to factors like weather conditions, crime rates, and traffic volume within a city and its ZIP codes.[3]
St. Petersburg and neighboring Tampa have an 11% chance of hurricane weather every year, according to AccuWeather.[1] Plus, St. Petersburg attracts millions of tourists every year, contributing to more traffic and higher rates of accidents.
More cities in Florida
While St. Petersburg car insurance rates are higher than the state and national averages, the city still has lower rates than many other Florida areas, including its neighbor, Tampa.
Here’s how average car insurance costs in St. Petersburg compare to other cities in the state.
City | Full Coverage | Liability Only |
|---|---|---|
| Cape Coral | $203 | $127 |
| Clearwater | $209 | $135 |
| Fort Lauderdale | $246 | $172 |
| Jacksonville | $220 | $141 |
| Miami | $272 | $184 |
| Ocala | $200 | $128 |
| Orlando | $239 | $161 |
| Pensacola | $200 | $118 |
| Tallahassee | $201 | $120 |
| Tampa | $271 | $187 |
| Winter Haven | $226 | $126 |
Disclaimer: Table data is based on real-time Saint Petersburg quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
St. Petersburg car insurance FAQs
Below are the answers to common St. Petersburg car insurance questions. You can also check out Insurify’s guide on why your car insurance rates might be so high while you shop for quotes.
How much is car insurance in St. Petersburg?
The average cost of car insurance in St. Petersburg is $141 per month for liability insurance and $218 per month for full coverage.
Which company has the cheapest car insurance in St. Petersburg?
Progressive offers the cheapest car insurance in St. Petersburg, with liability rates starting at $98 per month. Mile Auto and State Farm also offer cheap car insurance in the area, at $106 and $106 per month, respectively.
What are the best car insurance companies in St. Petersburg?
Some of the best car insurance companies in St. Petersburg include Allstate, GEICO, and State Farm. These insurers have low average premiums, high J.D. Power customer satisfaction ratings, and solid Insurify Quality (IQ) Scores.
But the best car insurance company for you depends on your specific needs and budget. Always compare quotes from different companies to find the best deal for the coverage you need.
What factors can affect your auto insurance premiums in St. Petersburg?
The most important factors out of your control that affect auto insurance rates in St. Petersburg are the city’s weather patterns, traffic accident rates, and theft rates. St. Petersburg is susceptible to hurricanes and other storm damages, which can cause insurance losses in the area and increase rates. Plus, the city’s influx of tourists every year, and thus its higher risk of crashes, can also affect rates.
Why is auto insurance so expensive in Florida?
Florida experiences property damage from storms and hurricanes every year. In September 2022, Hurricane Ian caused an estimated $112 billion in total damages. Furthermore, a recent report from the Insurance Information Institute explains that the insurance industry in Florida experienced more than $1 billion in underwriting losses in 2020 and 2021.[8] To offset these losses, insurance companies increased rates in the state — or stopped offering coverage altogether.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- AccuWeather. "Top 5 US cities most vulnerable to hurricanes."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- III. "What determines the price of an auto insurance policy?."
- Florida Department of Highway Safety and Motor Vehicles. "Traffic Crash Facts Annual Report 2021."
- III. "Senior driving safety and insurance tips."
- U.S. Census Bureau. "QuickFacts: St. Petersburg city, Florida."
- 2011 Florida Statutes. "626.9741 Use of credit reports and credit scores by insurers.."
- III. "Trends and Insights: Addressing Florida’s Property/Casualty Insurance Crisis."
)
Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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