We at Auto-Team Guides will break down the cost of car insurance in St. Petersburg based on different driving profiles and explain what factors can affect your car insurance rates. If you are looking for coverage, we recommend that you contact the best car insurance companies in the country for free quotes.
The cheapest car insurance in St. Petersburg
The cheapest car insurance in St. Petersburg is usually offered by Geico, State Farm, Travelers, Farmers and Allstate. The amount you pay for auto insurance in St. Petersburg varies depending on your driving history and the amount of auto coverage you choose.
Cheapest auto liability insurance in St. Petersburg
In St. Petersburg, we found that Geico and State Farm on average offer the cheapest minimum coverage in the state. Geico costs on average $49 per month and $585 per year for a minimum-coverage auto policy, while State Farm averages $72 per month Where $866 per year.
Each state sets different requirements for auto insurance coverage. It generally includes at least liability coverage (civil liability for bodily injury and civil liability for property damage).
The cheapest car insurance in St. Petersburg
The car insurance companies that offer the cheapest full coverage rates in St. Petersburg are usually State Farm, at an average of $162 per month Where $1,941 per yearand Geico, at an average of $178 per month Where $2,141 per year.
The most expensive comprehensive coverage provider in St. Petersburg, Florida is often National General Insurance, which charges on average $342 per month Where $4,108 per year.
Auto insurance quotes in St. Petersburg
Auto insurance quotes depend on a variety of factors, such as age, gender, and driving record. Below are car insurance quotes based on our average estimates of the cheapest car insurance rates in St. Petersburg for several of these factors.
Cheapest car insurance in St. Petersburg: age and marital status
Age is one of the factors that significantly affect car insurance premiums. If you are a teenager or young driver, you can expect to pay more for car insurance. This is because insurance agencies consider you a higher risk until you have more driving experience.
Marital status also affects car insurance rates, as married drivers generally pay less for coverage than single drivers.
The costs below reflect the average fares for 24-year-old single drivers and 35-year-old married drivers in St. Petersburg. As shown below, 24-year-old single drivers pay hundreds of dollars more for comprehensive auto insurance than 35-year-old married drivers.
Cheapest car insurance St. Petersburg: sex
On average, car insurance rates for men and women tend to be about the same. But sometimes the costs can vary depending on the location and the type of vehicle you are purchasing.
The chart below shows the average cost of comprehensive auto insurance by provider for male and female drivers age 35. Geico tends to be the cheapest provider for both groups.
Cheapest car insurance in St. Petersburg: high-risk drivers
Another important factor that can impact your car insurance rates is your driving record. If you have a speeding ticket, DUI, or at-fault car accident on your record, you could be paying hundreds of dollars more for car insurance coverage every year.
The sections below highlight the providers that offer the cheapest comprehensive car insurance based on different traffic violations.
Price of car insurance in St. Petersburg: speeding
According to our rate estimates, State Farm and Travelers, on average, offer the best rates for drivers with recent speeding tickets. State farm costs $183 per month Where $2,199 per year on average, while drivers pay on average $210 per month Where $2,518 per year for full coverage with travellers.
Price of car insurance in St. Petersburg: responsible accident
In St. Petersburg, having an at-fault accident on your driving record can have a significant impact on your car insurance rates. We’ve found that State Farm generally has the lowest auto insurance rates for motorists with recent accidents on their record, costing $196 per month Where $2,354 per year average for full coverage.
Prices for car insurance in St. Petersburg: DUI
St. Petersburg car insurance skyrockets if you have a recent DUI on your record. Based on our cost estimates, State Farm typically offers inexpensive auto insurance to motorists with a DUI, which costs $183 per month Where $2,199 per year average for full coverage.
How much does car insurance cost in Saint Petersburg?
According to our research, the average cost of car insurance in St. Petersburg is $244 per month Where $2,926 per year for a comprehensive insurance policy. It’s about 69% more expensive than the national average, or $1,730 per year. These averages are based on a 35-year-old driver with a clean driving record and good credit rating.
Car insurance prices in St. Petersburg: what affects them?
Car insurance costs are based on several factors, some of which are within your control and some of which are not. Understanding the factors that are within your control can help you get the best car insurance quotes possible.
Here are the factors that affect auto insurance rates:
- Driving record
- credit history
- Marital status
Cheap car insurance in St. Petersburg: conclusion
The average cost of car insurance in St. Petersburg is much higher than the national average even if you have a perfect driving record. Motorists in the city can usually find affordable auto insurance from Geico, State Farm, Travelers, Farmers, and Progressive.
Cheapest car insurance in St. Petersburg: FAQs
Below are frequently asked questions about car insurance in St. Petersburg:
*Data correct at time of publication.