Cheapest Car Insurance In St. Petersburg, FL 2024

The options for low-cost car insurance in St. Petersburg, FL, vary widely, depending on what you’re looking for.

GEICO is the leading option for affordable liability-only insurance. State Farm offers competitive rates on full coverage, and young drivers will find the best rates with State Farm.

Cheapest Liability-only Car Insurance In St. Petersburg: GEICO

For minimum coverage car insurance in St. Petersburg, GEICO has the best rates, costing about $59 a month on average.

See the table below for a breakdown of rates from several insurance providers.

Cheapest Full Coverage Insurance Rates In St. Petersburg: State Farm

For full coverage car insurance in St. Petersburg, State Farm has the best rates, typically costing $143 per month.

Below is a table comparing the average car insurance quotes from reasonably priced insurers in St. Petersburg.

Cheapest Car Insurance Rates For Seniors: State Farm

State Farm’s average rate of $131 per month makes it the cheapest car insurance option for seniors in St. Petersburg.

Below is a table showing average quotes from low-cost auto insurance options for seniors.

Cheapest Rates In St. Petersburg For Teenagers: Nationwide

Teens in St. Petersburg will find the lowest car insurance quotes with Nationwide, where average premiums are $344 a month.

See the table below for a comparison of the cheapest insurance rates for teenage drivers.

Cheapest Auto Insurance For Young Adults in St. Petersburg: State Farm

In St. Petersburg, young adults get the best rates from State Farm, which offers an average cost of $170 per month.

The following table provides a comparison of affordable auto insurance rates in St. Petersburg for young adults.

Cheapest Car Insurance In St. Petersburg For Good Drivers: GEICO

For St. Petersburg’s safe drivers, GEICO provides the cheapest insurance rates, averaging just $59 per month.

For good drivers, the table below shows average quotes from the most affordable insurance companies.

Cheapest Car Insurance In St. Petersburg After A Speeding Ticket: State Farm

With average rates of $162 per month, State Farm is an affordable choice for drivers in St. Petersburg who have a speeding ticket.

The table below provides the average rates for drivers with a speeding ticket on their driving history.

Cheapest For Drivers With After At-Fault Accident: State Farm

State Farm offers the lowest rates for drivers with at-fault accidents, averaging $175 per month.

These car insurance companies provide the cheapest rates for drivers with an at-fault accident on their driving history.

Cheapest Rates In St. Petersburg For Drivers After A DUI: State Farm

With an average premium of $160 per month, State Farm has the most affordable car insurance for drivers after a DUI in St. Petersburg.

Below is a table comparing the cheapest rates for drivers in St. Petersburg who have a DUI.

Best Car Insurance Companies In St. Petersburg

For the best value in St. Petersburg, GEICO offers insurance at $59 per month. You might also find State Farm at $75 or Nationwide at $96 a month.

Here are the top 10 auto insurance companies in St. Petersburg, FL, ranked according to their average monthly premiums.

Average Auto Insurance Rates In St. Petersburg – By Age

Age is a major factor in how car insurance premiums are set. Younger, less experienced drivers often face higher rates because they are at a greater risk for accidents and violations. Teenagers typically pay around $7,860 per year for coverage.

Insurance premiums tend to decrease once drivers turn 25, given they maintain a clean driving record.

The best insurance rates are usually available to drivers in their 50s and early 60s, since age helps insurers determine experience and risk, which affect premiums.

Average Rates In St. Petersburg- By Vehicle

The vehicle you own plays a major role in determining your insurance rates. Insurers factor in details like the car’s make, model, year, and body type. Typically, newer cars, especially luxury ones with sophisticated technology and higher replacement costs, lead to higher premiums.

To find the average rates for different vehicles in St. Petersburg, refer to the table below.

Average Cost Of Auto Insurance In St. Petersburg- By Zip Code

Car insurance rates differ based on your zip code, as it helps insurers assess the crime rates in your neighborhood.

The following table provides the average insurance rates for each zip code in St. Petersburg.

How Much Is Car Insurance In Other Cities in Florida?

Your car insurance rates are heavily influenced by the city you live in. Factors like accident risk, vehicle theft, and vandalism rates, which are generally higher in urban areas, often cause premiums to rise.

For comparison, Miami drivers usually pay about $410 per month for insurance, while in Sarasota, the average rate is $232 per month.