Cheapest Auto Insurance in St. Petersburg, Florida (2026)

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 $155 per month for liability-only coverage and $194 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.

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	$107	Full coverage
GEICO	9.2	$179	$159	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

full coverage

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User Reviews	4.0 7,176 reviews
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.	$101/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.	$110/mo

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Driver Reviews

4.0

Best choice in Saint Petersburg, FLBased on 15,788 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 7,176 State Farm reviews

Tajmahl

Verified Review

Rip-off

Reviewed in Florida on March 4, 2026

Not great, but better than $300 a month.

Rosemary

Verified Review

Too Expensive

Reviewed in Florida on March 1, 2026

Very expensive. I've been with State Farm for over 40 years with no claims, and they are still raising rates on me.

Brian

Verified Review

Better insurance at a reasonable price

Reviewed in Florida on February 24, 2026

Too expensive. I've been with them for 20 plus years and can't get a break.

Begona

Verified Review

State Farm plays with numbers!

Reviewed in Florida on February 23, 2026

State Farm raised my payment in May 2025 to $352.30, June $352.30, July $355.42, August $355.42, September $355.43, October $467.60, November $495.20, December $495.20, January $464.27, February $468.58. This should be illegal; no notice in the mail. They are just playing with numbers, and I’m over it. That’s how I feel! This is crazy! Can State Farm do this? Tips to my friends: stay away.

Gregory

Verified Review

Excellent

Reviewed in Florida on February 22, 2026

The people I have dealt with are excellent, but I think it's a little expensive though.

Maryann

Verified Review

Not saving much money

Reviewed in Florida on February 21, 2026

It's a little cheaper than my old insurance, but not by much. I maybe saved less than $90.

Richard

Verified Review

Rating State Farm Insurance

Reviewed in Florida on February 20, 2026

It has been reasonable until the last few years. Florida insurance is twice as high as in some other states.

Alice

Verified Review

Great Review

Reviewed in Florida on February 19, 2026

I would like a lower payment. A senior discount with a clean driving record would be nice, but I trust my agent.

Dorothy

Verified Review

Good change

Reviewed in Florida on February 15, 2026

Check it out. I saved a great deal of money.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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

discounts

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User Reviews	4.0 7,420 reviews
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.	$152/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.	$171/mo

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Driver Reviews

4.0

Best choice in Saint Petersburg, FLBased on 16,013 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 7,420 GEICO reviews

Roger

Verified Review

Raising rates for no reason other than greed

Reviewed in Florida on March 5, 2026

Rates just kept going up and up for no reason. Just corporate greed. Progressive is even worse. Dropping Progressive currently. Found insurance for $60 a month less with a lesser-known company.

John

Verified Review

Discounts for Auto Insurance

Reviewed in Florida on March 4, 2026

All was good until my policy lapsed for two or three days because I was in the hospital. Then, all of a sudden, my insurance jumped forty dollars a month, and it has remained there for some time. I feel like I am not getting the discounts that I should be receiving. I have had no tickets or accidents in over five years, yet I'm still paying a very high price for the cheapest insurance I could get. I shop all the time for insurance because I feel that Geico is not offering me the best deal.

Loretta

Verified Purchase

Buying Car Insurance

Reviewed in Florida on March 3, 2026

I was pleased with the price and experience.

Brett

Verified Review

GEICO keeps my rate lower than others - every time I check!

Reviewed in Florida on March 2, 2026

Consistently provides the least expensive rate for my coverage, which includes emergency service and rental.

Aleida

Verified Review

Not Very Good

Reviewed in Florida on February 27, 2026

After changing my address, my monthly payment increased by $31.

Russell

Verified Review

Excellent

Reviewed in Florida on February 26, 2026

No one can beat the price.

David

Verified Review

My Review

Reviewed in Florida on February 25, 2026

No problems at all.

Nicole

Verified Review

Been with them 6 months and my policy went up instead of down

Reviewed in Florida on February 22, 2026

It's okay.

Alan

Verified Review

What You Would Like to Hear

Reviewed in Florida on February 21, 2026

Very, very hard to work through. We have an antique computer and cannot print PDF files, on and on. Your claim reps were very good. I asked them to send everything through the US mail, which they have so far. We had a very hard time with the safe drivers school as my computer system does not seem up to the needs. Anyway, got through it and hopefully y'all have received a copy. Been with you for 40 years, so we do think well of you.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.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

safe drivers

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User Reviews	3.8 4,268 reviews
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.	$177/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.	$192/mo

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Driver Reviews

3.8

A solid option in Saint Petersburg, FLBased on 9,438 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 4,268 Allstate reviews

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.

Erica

Verified Review

Not great

Reviewed in Florida on February 16, 2026

They're okay. I was not successful in getting a better cost even though I've been with them for many years.

Linda

Verified Review

Poor

Reviewed in Florida on February 16, 2026

Allstate is more expensive than all others except AAA, which is higher.

Angela

Verified Review

Dissatisfied

Reviewed in Florida on February 15, 2026

My experience with Allstate is that they are overpricing their policies.

Donald

Verified Review

Personalized customer service has its value.

Reviewed in Florida on February 15, 2026

I've been with Allstate for over 30 years.

Joe

Verified Review

Allstate is not locally competitive.

Reviewed in Florida on February 14, 2026

Great insurance company but just too expensive for our vehicles and real properties!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

636

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

A.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 $101 per month

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Cheapest liability-only car insurance in St. Petersburg: State Farm

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 $155 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: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$101
Mile Auto	$123
Progressive	$134
GAINSCO	$138
Direct Auto	$148
Mercury	$151
GEICO	$152
The General	$164
Bristol West	$168
Infinity	$169
National General	$173
AssuranceAmerica	$175
Allstate	$177
Travelers	$210
Root	$216
Dairyland	$284
Liberty Mutual	$311

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 $194 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: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$110
Mile Auto	$161
GEICO	$171
Progressive	$175
Mercury	$183
Allstate	$192
Direct Auto	$201
National General	$202
Travelers	$229
Bristol West	$230
The General	$245
Infinity	$249
GAINSCO	$257
AssuranceAmerica	$279
Root	$281
Liberty Mutual	$312
Dairyland	$466

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.

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 $121 for drivers with an incident

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4.7 out of 5 based on 12,427 reviews

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Cheapest car insurance for drivers with a speeding ticket: State Farm

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 $180 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: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$101	$123
Mile Auto	$123	$145
Progressive	$134	$155
GAINSCO	$138	$158
Direct Auto	$148	$178
Mercury	$151	$204
GEICO	$152	$192
The General	$164	$212
Bristol West	$168	$203
Infinity	$169	$207
National General	$173	$207
AssuranceAmerica	$175	$214
Allstate	$177	$222
Travelers	$210	$263
Root	$216	$278
Dairyland	$284	$340
Liberty Mutual	$311	$381

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: State Farm

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 $194 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: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$101	$130
Mile Auto	$123	$162
Progressive	$134	$168
GAINSCO	$138	$172
Direct Auto	$148	$197
Mercury	$151	$222
GEICO	$152	$192
The General	$164	$220
Bristol West	$168	$215
Infinity	$169	$213
National General	$173	$224
AssuranceAmerica	$175	$227
Allstate	$177	$231
Travelers	$210	$275
Root	$216	$281
Dairyland	$284	$365
Liberty Mutual	$311	$403

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: State Farm

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 $220 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: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With DUI
State Farm	$101	$146
Mile Auto	$123	$177
Progressive	$134	$190
GAINSCO	$138	$199
Direct Auto	$148	$213
Mercury	$151	$228
GEICO	$152	$218
The General	$164	$236
Bristol West	$168	$242
Infinity	$169	$244
National General	$173	$249
AssuranceAmerica	$175	$252
Allstate	$177	$255
Travelers	$210	$303
Root	$216	$315
Dairyland	$284	$409
Liberty Mutual	$311	$448

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: State Farm

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 $139 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: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Liability Only	Full Coverage
State Farm	$81	$88
Mile Auto	$99	$129
GAINSCO	$119	$223
Progressive	$120	$157
Direct Auto	$122	$165
Mercury	$123	$149
GEICO	$123	$139
Infinity	$127	$187
National General	$139	$162
AssuranceAmerica	$140	$223
The General	$141	$210
Bristol West	$143	$195
Allstate	$147	$159
Travelers	$171	$187
Root	$184	$240
Dairyland	$246	$404
Liberty Mutual	$265	$266

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: State Farm

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 $269 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: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Liability Only	Full Coverage
State Farm	$192	$209
Progressive	$232	$303
GAINSCO	$247	$460
Mile Auto	$248	$325
GEICO	$266	$299
Mercury	$273	$331
Direct Auto	$279	$379
The General	$281	$419
Bristol West	$293	$401
Infinity	$308	$453
Allstate	$343	$372
National General	$343	$401
AssuranceAmerica	$356	$568
Root	$364	$474
Travelers	$427	$466
Dairyland	$470	$771
Liberty Mutual	$535	$537

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.

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.

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 $194 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	$196	$156
Clearwater	$200	$164
Fort Lauderdale	$222	$186
Jacksonville	$206	$163
Miami	$260	$204
Ocala	$189	$163
Orlando	$229	$182
Pensacola	$192	$138
Tallahassee	$188	$142
Tampa	$262	$205
Winter Haven	$218	$160

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