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 $141 per month for liability-only coverage and $218 for full-coverage insurance, far exceeding the national averages of $98 and $186 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	$129	$80	Full coverage
GEICO	9.2	$182	$91	Discounts
Allstate	8.9	$224	$139	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 17,376 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.	$106/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.	$148/mo

Details

Driver Reviews

4.0

Best choiceBased on 17,376 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.8	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Florida reviews for Saint Petersburg driversSee all 7,440 State Farm reviews

Daniel

Verified Review

Good drivers get no rewards

Reviewed in Florida on April 23, 2026

Luckily, I don't need to use it much, but it is expensive and no discounts are offered for long-term insurers or no accident discounts. I WOULD SHOP.

Chrissy

Verified Review

New Policy Hunt for Old Car Coverage

Reviewed in Florida on April 23, 2026

I recently sold a car and am changing my coverage. It seems like I'm getting less coverage at the same higher cost for two old cars. I'm looking for savings as I hardly drive 100 miles in a week.

Roberta

Verified Review

Overpriced

Reviewed in Florida on April 22, 2026

Too expensive. I drive less than 100 miles a month and have never had a claim. Why is my coverage $125 a month?

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JD Power

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

650

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	3.9 17,594 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.	$120/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.	$208/mo

Details

Driver Reviews

3.9

A solid optionBased on 17,594 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.8	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 Florida reviews for Saint Petersburg driversSee all 7,648 GEICO reviews

Ellen

Verified Review

I like Geico.

Reviewed in Florida on April 21, 2026

Geico has been awesome. We have had them for probably 10 years. Never had an issue with any claim or customer service. The only problem is cost compared to other carriers right now.

Richard

Verified Purchase

My Wonderful Experience with Geico

Reviewed in Florida on April 18, 2026

My experience is excellent. I just wish I had joined Geico way earlier, but it's been really, really great.

Denese

Verified Review

Geico is okay, but definitely can look into more discounts for senior clients

Reviewed in Florida on April 17, 2026

Rates, not enough senior driver discounts.

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JD Power

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

629

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

Compare Quotes

User Reviews	3.8 10,363 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.	$184/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.	$257/mo

Details

Driver Reviews

3.8

A solid optionBased on 10,363 verified driver reviews and ratings

	Allstate's score	Industry average
Coverage options	3.8	3.2
Customer service	3.8	3.6
Discounts	3.8	2.9
Policy transparency	3.6	3.1
Value	3.3	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Accident forgiveness

Wide availability

Cheap rates

Showing 75 Florida reviews for Saint Petersburg driversSee all 4,404 Allstate reviews

Lisa

Verified Review

Dennis Moran's Allstate team has been very good to work with. They are very professional and caring.

Reviewed in Florida on April 24, 2026

Dennis Moran's Allstate team has been very good to work with. They are very professional and caring.

Kathleen

Verified Review

Make changes

Reviewed in Florida on April 23, 2026

Nearly $2000 every six months is outrageous. Do your homework on an ongoing basis. Don’t just stay where you are because you’ve been with them so long.

Avis

Verified Review

Overpriced

Reviewed in Florida on April 20, 2026

I never had any reason to place a claim, so some of the questions I can’t honestly answer. However, I have not had any problems with my insurance carrier, but I would like to save money if I can.

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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.

643

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 $98 per month

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Cheapest liability-only car insurance in St. Petersburg: Progressive

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 $141 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: Tuesday, April 21 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
Progressive	$98
Mile Auto	$106
State Farm	$106
Clearcover	$109
GEICO	$120
Dairyland	$124
Embark	$135
Infinity	$137
Mercury	$151
Direct Auto	$152
GAINSCO	$155
The General	$164
Bristol West	$176
Root	$183
Allstate	$184
AssuranceAmerica	$188
National General	$188
Travelers	$219
Mendota	$285
First Acceptance	$298
Liberty Mutual	$298

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 $218 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: Tuesday, April 21 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$148
Progressive	$166
Mile Auto	$171
Mercury	$203
GEICO	$208
National General	$218
Clearcover	$226
Direct Auto	$229
Bristol West	$246
Allstate	$257
Infinity	$258
The General	$269
Embark	$293
Root	$295
AssuranceAmerica	$296
Travelers	$305
GAINSCO	$316
Liberty Mutual	$337
Dairyland	$351
First Acceptance	$382
Mendota	$389

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 $111 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Progressive

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 $165 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: Tuesday, April 21 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
Progressive	$98	$115
Mile Auto	$106	$125
State Farm	$106	$130
Clearcover	$109	$135
Dairyland	$124	$149
GEICO	$120	$152
Embark	$135	$158
Infinity	$137	$169
GAINSCO	$155	$179
Direct Auto	$152	$185
Mercury	$151	$203
The General	$164	$213
Bristol West	$176	$215
National General	$188	$227
AssuranceAmerica	$188	$231
Allstate	$184	$232
Root	$183	$237
Travelers	$219	$275
Mendota	$285	$333
First Acceptance	$298	$349
Liberty Mutual	$298	$367

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: Progressive

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 $180 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: Tuesday, April 21 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
Progressive	$98	$125
State Farm	$106	$138
Mile Auto	$106	$141
Clearcover	$109	$154
GEICO	$120	$155
Dairyland	$124	$161
Embark	$135	$172
Infinity	$137	$179
GAINSCO	$155	$195
Direct Auto	$152	$204
The General	$164	$222
Mercury	$151	$223
Bristol West	$176	$228
Root	$183	$242
Allstate	$184	$243
AssuranceAmerica	$188	$245
National General	$188	$246
Travelers	$219	$290
Mendota	$285	$363
First Acceptance	$298	$380
Liberty Mutual	$298	$389

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: Progressive

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 $184 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: Tuesday, April 21 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
Progressive	$98	$128
Mile Auto	$106	$145
State Farm	$106	$145
Clearcover	$109	$149
GEICO	$120	$163
Dairyland	$124	$170
Embark	$135	$176
Infinity	$137	$188
Direct Auto	$152	$208
GAINSCO	$155	$212
The General	$164	$217
Mercury	$151	$220
Bristol West	$176	$241
Allstate	$184	$252
Root	$183	$253
AssuranceAmerica	$188	$258
National General	$188	$258
Travelers	$219	$300
Mendota	$285	$372
First Acceptance	$298	$389
Liberty Mutual	$298	$408

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: Progressive

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 $127 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: Tuesday, April 21 at 5:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$85	$119
Mile Auto	$86	$138
Progressive	$88	$150
GEICO	$98	$169
Clearcover	$99	$205
Infinity	$102	$192
Dairyland	$108	$305
Embark	$122	$264
Mercury	$123	$165
Direct Auto	$127	$192
GAINSCO	$136	$276
The General	$143	$234
Bristol West	$150	$210
AssuranceAmerica	$151	$238
National General	$151	$176
Allstate	$153	$213
Root	$157	$252
Travelers	$179	$249
Liberty Mutual	$254	$287
Mendota	$257	$350
First Acceptance	$269	$344

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: Progressive

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 $241 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: Tuesday, April 21 at 5:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Progressive	$167	$283
Clearcover	$173	$359
State Farm	$200	$280
Dairyland	$209	$592
GEICO	$211	$365
Mile Auto	$213	$343
Infinity	$229	$432
Embark	$230	$500
Mercury	$268	$361
GAINSCO	$269	$549
The General	$286	$468
Direct Auto	$287	$432
Bristol West	$303	$423
Root	$308	$497
Allstate	$354	$495
National General	$366	$425
AssuranceAmerica	$378	$596
Travelers	$445	$620
Mendota	$486	$664
Liberty Mutual	$507	$573
First Acceptance	$509	$652

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 $98 per month for liability-only insurance, and full coverage costs $186.

But St. Petersburg residents face a steep average monthly premium of $218 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	$203	$127
Clearwater	$209	$135
Fort Lauderdale	$246	$172
Jacksonville	$220	$141
Miami	$272	$184
Ocala	$200	$128
Orlando	$239	$161
Pensacola	$201	$118
Tallahassee	$201	$120
Tampa	$272	$187
Winter Haven	$225	$126

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