St Petersburg Car Insurance

How much does car insurance cost in St. Petersburg, FL? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Saint Petersburg?

St. Petersburg, the “Sunshine City” of Florida, enjoys an average of 360 days of 73 degree Fahrenheit weather a year and is a popular beach destination with over 240 miles of coastline that makes up Tampa Bay, the Gulf of Mexico and Boca Ciega Bay.

Downtown St. Pete comprises five different districts, all with eccentric street art, art galleries, craft breweries and unique restaurants. You can join a walking mural tour, and every second Saturday of each month, studios and galleries all over St. Petersburg open their doors for an evening of free and fun activities.

The Waterfront Arts District is where world-class museums are located at. For example, the Dali Museum has an incomparable collection of Salvador Dali artworks. The art spans his life and career, featuring 96 oil paintings, original drawings, book works and sculptures. Another treasured gallery is the Florida Holocaust Museum in St. Petersburg. It is a 27,000 square-foot museum that stores the memories and stories of genocide victims from the Holocaust while conducting educational workshops where visitors can learn about history and Skype survivors.

There is a beautiful waterfront park downtown, and the trolley transportation system is widely available for visitors looking to spend a day at the beach. However, a car would be handy for exploring all that St. Petersburg has to offer, and there are 25,000 parking spaces to accommodate motorists.

Use SmartFinancial to get the best auto insurance in St. Petersburg. Start by inputting your zip code to compare car insurance quotes instantly, for free.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Florida has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Saint Petersburg typically pay around $253.97 per month compared to the national average of $167.23 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.23
Florida $303.39
Saint Petersburg, Florida $253.97

Saint Petersburg, FL Best Car Insurance Companies

car insurance in Saint Petersburg

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, 21st Century generally has the most affordable car insurance in Saint Petersburg coming in around $105.33 per month. Other companies to consider if you live in Saint Petersburg is Unitrin with an average cost of $153.83 per month and Liberty Mutual which typically runs around $158.07 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Saint Petersburg.

RankCompanyAverage Monthly RateComparison State Average
1 21st Century $105.33-65.28%
2 Unitrin $153.83-49.30%
3 Liberty Mutual $158.07-47.90%
4 State Farm $158.33-47.81%
5 Direct Auto $158.46-47.77%
6 Mercury Insurance $177.95-41.35%
7 AIG $248.32-18.15%
8 AssuranceAmerica Economy $256.41-15.48%
9 Mercury $257.36-15.17%
10 Allied $266.28-12.23%

How Much is Car Insurance in Saint Petersburg, FL?

how much is auto insurance in Saint Petersburg

Rates can vary from city to city. The residents of Boca Raton typically pay $338.12 per month while people who live in Fort Lauderdale will pay $372.97 per month on average. See what people pay for car insurance in other cities in Florida.

Florida CitiesMonthly Average Rate
Boca Raton $338.12
Fort Lauderdale $372.97
Fort Myers $265.36
Gainesville $248.59
Jacksonville $287.63
Miami $397.84
Orlando $319.80
Pensacola $257.29
Pompano Beach $375.41
Saint Petersburg $253.97
Sarasota $218.80
Tallahassee $265.53
Tampa $391.65
West Palm Beach $396.42

Cheap Car Insurance in Saint Petersburg by Zip Codes

find cheap auto insurance in Saint Petersburg

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Florida. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Saint Petersburg, FL ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Saint Petersburg

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $650.73 per month in Saint Petersburg. Compare that to drivers in their 30’s who typically pay around $276.85 per month drivers in their 40s at $256.83 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Saint Petersburg

If you are teen in Saint Petersburg you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, State Farm typically charges around $407.83 per month. This is likely the most affordable option in Saint Petersburg. You might also want to consider Direct General Insurance and United Automobile Ins Group who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
State Farm$407.83
Direct General Insurance$717.33
United Automobile Ins Group$911.83

Cheapest Insurance for 20 Year-olds in Saint Petersburg

20 year-olds in Saint Petersburg might want to consider AssuranceAmerica Economy who, on average, offers car insurance rates around $203.70 per month. Direct Auto , Mercury Insurance , State Farm and National General are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
AssuranceAmerica Economy$203.70
Direct Auto$204.25
Mercury Insurance$222.59
State Farm$243.17
National General$271.33

Cheapest Insurance for 30 Year-olds in Saint Petersburg

If you are in your 30s in Saint Petersburg our research has found that Liberty Mutual typically has the most affordable coverage coming in around $67.33 per month, followed by AIG at $139.00 and State Farm at $179.28.

CompanyAverage Monthly Rate
Liberty Mutual$67.33
State Farm$179.28
Direct Auto$199.08
AssuranceAmerica Economy$244.83

Cheapest Insurance for 40 Year-olds in Saint Petersburg

On average, Liberty Mutual offers car insurance for 40 year-olds in Saint Petersburg for around $155.48 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Direct Auto. The full list of top companies is below.

CompanyAverage Monthly Rate
Liberty Mutual$155.48
State Farm$162.71
Direct Auto$172.01

Cheapest Insurance for 50 Year-olds in Saint Petersburg

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Saint Petersburg we found that Direct Auto generally offers the most affordable coverage at $130.42 per month.

CompanyAverage Monthly Rate
Direct Auto$130.42
Mercury Insurance$132.50
State Farm$148.91
Liberty Mutual$166.55

Cheapest Insurance for 60 Year-olds in Saint Petersburg

If you live in Saint Petersburg and you’re in your 60s, our data indicates that 21st Century usually has the best rates at $105.33 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
21st Century$105.33
Direct Auto$118.59
State Farm$135.20
Liberty Mutual$169.82

Driver's Coverage Auto Insurance Rates in Saint Petersburg, FL

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Saint Petersburg, the average monthly rate for a driver who is currently insured is $252.85 while drivers who are not currently covered will pay around $260.60.

CoverageAverage Monthly Rate
Not Currently Insured $260.60
Currently Insured $252.85

Compare Recent Car Insurance Quotes in Saint Petersburg

auto insurance quotes in Saint Petersburg city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Saint Petersburg a driver of a 2022 Chevrolet Trailblazer can expect to pay around $297.13 per month while someone that owns a 2007 Toyota Corolla Matrix may pay around $113.07 per month. Check out the list of recent quotes in Saint Petersburg below.

VehicleAverage Monthly Rate
2022 Chevrolet Trailblazer$297.13
2007 Toyota Corolla Matrix$113.07
2021 Honda Accord$137.73
2020 Kia Telluride$133.17
2020 Nissan Rogue$190.15
2011 Mazda CX-9$168.27
2001 Ford F150$76.52
1999 Dodge Ram 2500$92.12

FAQ's for Drivers in Saint Petersburg, FL

driver’s frequently asked question in Saint Petersburg

What Is the Minimum Liability Coverage Requirement in St. Petersburg, FL?

The minimum insurance coverage needed in Florida is $10,000 of personal injury protection (PIP) and $10,000 property damage liability (PDL). Florida drivers should also have $10,000/$20,000 bodily injury liability coverage per person/per incident, but policyholders can reject this coverage if they really want to.

Florida is a no-fault state. This means your rights are limited to sue an at-fault driver following a collision. No-fault insurance coverage can pay up to 80% of injury-related expenses and up to 60% of lost wages. It does not cover damaged property.

  •  $10,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  •  $10,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  •  $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Although you are not legally required to carry full coverage insurance in Florida, most lenders demand this level of coverage. They may also require additional coverages. Consider this when calculating the price of your auto loan.

What Is the Blood Alcohol Concentration (BAC) limit in St. Petersburg, FL?

It is illegal for individuals to operate a motor vehicle in Florida with the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

DUI is also proven by impairment of normal faculties. For more information about Florida’s DUI laws, refer to Florida DUI and Administrative Suspension Laws on the Florida Department of Highway Safety and Motor Vehicles website.

What are the consequences of being convicted of a DUI?

The consequences of a DUI in Florida depend on the number of convictions, your blood alcohol level, and whether you were transporting a minor at the time of your arrest. At the very least, you will face a fine, community service, and probation. You may also receive jail time at the court’s discretion.
In addition, the long-term damage to your finances could be devastating. You may incur such expenses as higher insurance rates, attorney fees, court costs, vehicle impoundment, mandatory installation of an ignition interlock device, and others.

Check Out Other Rates in St. Petersburg, FL Nearby Cities:

Bradenton, FL

Clearwater, FL

Largo, FL

Pinellas Park, FL


Commute Time in Saint Petersburg, FL

23.6 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Saint Petersburg, FL


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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