Best Cheap Auto Insurance in St. Petersburg, FL (2021)

The average St. Petersburg, FL auto insurance rates are $445 per month. The minimum auto insurance in St. Petersburg is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in St. Petersburg, Florida, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 17, 2021

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Things to Remember

  • The cheapest auto insurance company in St. Petersburg is USAA
  • The average commute length in St. Petersburg is 23.7 minutes
  • Average auto insurance rates in St. Petersburg, FL for senior drivers are $3,209 per year

St. Petersburg, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in St. Petersburg can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in St. Petersburg, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in St. Petersburg to other Florida cities, including Fort Lauderdale auto insurance rates, Tampa auto insurance rates, and Cape Coral auto insurance rates to see how St. Petersburg, Florida auto insurance rates stack up.

Before you buy St. Petersburg, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free St. Petersburg, Florida auto insurance quotes.

Minimum Auto Insurance in St. Petersburg, Florida

St. Petersburg, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in St. Petersburg, Florida.

Minimum Required Auto Insurance Coverage in St. Petersburg, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap St. Petersburg, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in St. Petersburg, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in St. Petersburg, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,449 $5,207 $4,769 $4,838 $19,007 $20,729 $5,353 $5,406
GEICO $3,545 $3,567 $3,310 $3,310 $6,310 $7,943 $3,910 $3,983
Liberty Mutual $4,077 $4,077 $3,725 $3,725 $8,757 $13,562 $4,077 $5,578
Nationwide $3,500 $3,457 $3,122 $3,230 $8,501 $10,490 $3,863 $4,026
Progressive $4,104 $3,831 $3,498 $3,753 $11,544 $12,483 $4,904 $4,604
State Farm $2,357 $2,357 $2,141 $2,141 $7,034 $8,986 $2,631 $2,809
USAA $1,803 $1,769 $1,694 $1,674 $6,284 $7,257 $2,250 $2,423

Cheap St. Petersburg, Florida Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in St. Petersburg, Florida is a challenge. Take a look at the annual teen auto insurance rates in St. Petersburg, Florida.

Annual Auto Insurance Rates for Teen Drivers in St. Petersburg, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,007 $20,729
GEICO $6,310 $7,943
Liberty Mutual $8,757 $13,562
Nationwide $8,501 $10,490
Progressive $11,544 $12,483
State Farm $7,034 $8,986
USAA $6,284 $7,257

Cheap St. Petersburg, Florida Auto Insurance for Seniors

What are senior auto insurance rates in St. Petersburg, Florida? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in St. Petersburg, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,769 $4,838
GEICO $3,310 $3,310
Liberty Mutual $3,725 $3,725
Nationwide $3,122 $3,230
Progressive $3,498 $3,753
State Farm $2,141 $2,141
USAA $1,694 $1,674

Cheap St. Petersburg, Florida Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in St. Petersburg, Florida compared to the annual auto insurance rates with a clean record in St. Petersburg, Florida.

Annual St. Petersburg, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,611 $9,154 $10,155 $8,459
GEICO $3,141 $3,999 $5,925 $4,874
Liberty Mutual $4,207 $5,547 $8,184 $5,851
Nationwide $4,278 $4,701 $6,356 $4,760
Progressive $4,827 $7,094 $5,997 $6,443
State Farm $3,471 $4,142 $3,807 $3,807
USAA $2,450 $3,039 $4,515 $2,572

Cheap St. Petersburg, Florida Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in St. Petersburg, Florida is not easy. Compare the annual rates for DUI auto insurance in St. Petersburg, Florida to find the best deal.

Annual Auto Insurance Rates After a DUI in St. Petersburg, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $10,155
GEICO $5,925
Liberty Mutual $8,184
Nationwide $6,356
Progressive $5,997
State Farm $3,807
USAA $4,515

Cheap St. Petersburg, Florida Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how St. Petersburg, Florida annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in St. Petersburg, Florida

Insurance Company Poor Fair Good
Allstate $12,429 $7,810 $6,295
GEICO $6,507 $3,960 $2,988
Liberty Mutual $7,699 $5,616 $4,527
Nationwide $6,285 $4,613 $4,172
Progressive $7,934 $5,648 $4,689
State Farm $5,246 $3,403 $2,772
USAA $5,101 $2,509 $1,823

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Cheap St. Petersburg, Florida Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in St. Petersburg, Florida can vary. Compare the annual cost of auto insurance by ZIP code in St. Petersburg, Florida to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in St. Petersburg, Florida

ZIP Code Average Annual Rates
33701 $4,097
33702 $4,102
33703 $4,102
33704 $4,097
33705 $4,128
33710 $4,116
33711 $4,128
33712 $4,128
33713 $4,128
33714 $4,128
33715 $4,021
33716 $4,102
33730 $4,102

Cheap St. Petersburg, Florida Auto Insurance Rates By Commute

Commute length and annual mileage affect St. Petersburg, Florida auto insurance. Find the cheapest annual St. Petersburg, Florida auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in St. Petersburg, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $8,590 $9,099
GEICO $4,462 $4,507
Liberty Mutual $5,750 $6,144
Nationwide $5,024 $5,024
Progressive $6,090 $6,090
State Farm $3,673 $3,940
USAA $3,108 $3,180

Cheap St. Petersburg, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in St. Petersburg, Florida? Check out the comparison of annual St. Petersburg, Florida auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in St. Petersburg, Florida

Insurance Company Low Medium High
Allstate $6,526 $9,369 $10,639
GEICO $3,586 $4,655 $5,214
Liberty Mutual $5,412 $6,054 $6,376
Nationwide $3,816 $5,249 $6,006
Progressive $4,904 $6,257 $7,110
State Farm $3,205 $3,911 $4,305
USAA $2,660 $3,271 $3,502

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Best By Category: Cheapest Auto Insurance in St. Petersburg, Florida

Compare the cheapest auto insurance companies in St. Petersburg, Florida in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in St. Petersburg, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest St. Petersburg, Florida Auto Insurance Companies

What auto insurance companies in St. Petersburg, Florida are the cheapest? Compare the top St. Petersburg, Florida auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in St. Petersburg, Florida

Insurance Company Average Annual Rates
Allstate $8,845
GEICO $4,485
Liberty Mutual $5,947
Nationwide $5,024
Progressive $6,090
State Farm $3,807
USAA $3,144

What affects auto insurance rates in St. Petersburg, Florida?

There are a lot of reasons why auto insurance rates in St. Petersburg, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in St. Petersburg, Florida. Many local factors may affect your St. Petersburg auto insurance rates.

St. Petersburg Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual St. Petersburg, Florida auto theft statistics, there have been 746 auto thefts in the city.

St. Petersburg Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average St. Petersburg, Florida commute length is 23.7 minutes according to City-Data.

St. Petersburg Traffic

How does St. Petersburg, Florida rank for traffic? According to Inrix St. Petersburg, Florida is the 810th most congested worldwide.

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Compare St. Petersburg, Florida Auto Insurance Quotes

Before you buy St. Petersburg, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free St. Petersburg, Florida auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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