Cheapest Auto Insurance in St. Petersburg, Florida (2024)

State Farm offers the cheapest car insurance in St. Petersburg, with rates starting at $76 per month.

Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated May 23, 2024

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Cheapest recent rates near Saint Petersburg, Florida

Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $83/mo for full coverage in Saint Petersburg and other Florida cities.

*Quotes generated for Insurify users in and around Saint Petersburg, Florida within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Saint Petersburg, Florida within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

At the edge of Tampa Bay, St. Petersburg 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 $239 per month for liability-only coverage and $298 for full-coverage insurance, far exceeding the national averages of $104 and $215 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.

Quick Facts
  • State Farm, GEICO, and Hugo have the cheapest car insurance in St. Petersburg.

  • St. Petersburg drivers pay a yearly average of $3,573 for full-coverage insurance.

  • Florida car insurance requirements include personal injury protection instead of bodily injury liability.[2]

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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$83$71Full coverage
GEICO4.4$85$73Discounts
Allstate4.4$143$124Safe drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Best insurer for full coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$76/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.
$88/mo

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

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$77/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.
$90/mo

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

Read our GEICO review
Kimberly - May 22, 2024
Verified

Never Again

They are horrible at handling claims and make you feel bad.

Anita - May 22, 2024
Verified

Excellent

Good customer service. Megan Burrell is very helpful and professional.

Charles - May 22, 2024
Verified

Good Insurance

Awesome.

Best insurer for safe drivers: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$131/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.
$153/mo

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

Read our Allstate review
Roberta - May 22, 2024
Verified

Good

Allstate is good, however, I was looking for cheaper insurance.

Mikayla - May 22, 2024
Verified

Allstate's Higher Renewal Prices

They are an insurance company like the rest of them. Just like other insurance providers, they offer lower rates to attract your business. However, as always, when it's time for renewal, the prices just get higher, regardless of your driving record.

Wilford - May 21, 2024
Verified

Disappointed

It's expensive, but the same as all others.

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 $76 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 $239 per month, on average. Below, you can see the most affordable liability-only policies in the area.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm76
GEICO77
Hugo82
Allstate131
Safeco139
Mile Auto140
Mercury156
Travelers157
Liberty Mutual161
Direct Auto168
Midvale Home & Auto184
Progressive193
Infinity210
Foremost222
Dairyland231
GAINSCO235
AssuranceAmerica256
Bristol West288
National General324
The General338
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $298 per month, on average. Here, you can check out the cheapest car insurance companies for full-coverage policies.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm88
GEICO90
Hugo146
Allstate153
Safeco175
Travelers181
Mercury186
Mile Auto193
GAINSCO246
Liberty Mutual268
Progressive274
Midvale Home & Auto279
Infinity280
Direct Auto292
Foremost334
National General334
AssuranceAmerica381
Dairyland408
Bristol West420
The General488
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for vehicle damages when you collide with a stationary object or another vehicle, even if you’re at fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for vehicle damages from events other than collisions, including fire, vandalism, theft, falling objects, and natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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 $88 for drivers with an incident

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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 $285 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 are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm7689
GEICO7791
Hugo82103
Allstate131154
Safeco139167
Mile Auto140178
Mercury156198
Travelers157186
Liberty Mutual161211
Direct Auto168200
Midvale Home & Auto184225
Progressive193228
Infinity210258
Foremost222291
Dairyland231274
GAINSCO235308
AssuranceAmerica256309
Bristol West288336
National General324425
The General338403
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $308 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 are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm7695
GEICO7797
Hugo82100
Allstate131165
Safeco139170
Mile Auto140195
Mercury156210
Travelers157199
Liberty Mutual161223
Direct Auto168217
Midvale Home & Auto184246
Progressive193248
Infinity210261
Foremost222308
Dairyland231291
GAINSCO235287
AssuranceAmerica256324
Bristol West288357
National General324406
The General338436
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $356 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 are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm76120
GEICO77122
Hugo82130
Allstate131208
Safeco139220
Mile Auto140200
Mercury156222
Travelers157249
Liberty Mutual161255
Direct Auto168266
Midvale Home & Auto184292
Progressive193306
Infinity210333
Foremost222352
Dairyland231366
GAINSCO235372
AssuranceAmerica256406
Bristol West288456
National General324513
The General338536
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Hugo

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 $199 per month. Here, you can see the cheapest car insurance companies for seniors in the area.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Hugo59105
State Farm5968
GEICO6172
Allstate105123
Mile Auto107147
Safeco112141
Mercury118141
Travelers123142
Liberty Mutual127212
Direct Auto130225
Progressive139198
Midvale Home & Auto140213
Infinity159212
Foremost174261
Dairyland186328
GAINSCO192201
AssuranceAmerica195290
Bristol West231337
National General261269
The General278401
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: GEICO

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 $368 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 are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
GEICO111130
State Farm119137
Hugo132236
Allstate212247
Mile Auto253348
Travelers262302
Mercury263314
Safeco272343
Liberty Mutual278463
Direct Auto285494
Midvale Home & Auto296449
Progressive324460
Dairyland357631
Infinity357476
Foremost364547
GAINSCO390408
AssuranceAmerica441657
Bristol West453660
The General503726
National General561579
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $104 per month for liability-only insurance, and full coverage costs $215.

But St. Petersburg residents face a steep average monthly premium of $298 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.

CityFull CoverageLiability Only
Cape Coral$265$200
Clearwater$279$239
Fort Lauderdale$348$264
Jacksonville$287$205
Miami$387$283
Ocala$257$179
Orlando$306$222
Pensacola$272$173
Tallahassee$263$166
Tampa$380$316
Winter Haven$301$221
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

St. Petersburg car insurance FAQs

Below are the answers to common St. Petersburg car insurance questions. You can also check out Insurify’s guide on why your car insurance rates might be so high while you shop for quotes.

  • How much is car insurance in St. Petersburg?

    The average cost of car insurance in St. Petersburg is $239 per month for liability insurance and $298 per month for full coverage.

  • Which company has the cheapest car insurance in St. Petersburg?

    State Farm offers the cheapest car insurance in St. Petersburg, with liability rates starting at $76 per month. GEICO and Hugo also offer cheap car insurance in the area, at $77 and $82 per month, respectively.

  • What are the best car insurance companies in St. Petersburg?

    Some of the best car insurance companies in St. Petersburg include Allstate, GEICO, and State Farm. These insurers have low average premiums, high J.D. Power customer satisfaction ratings, and solid Insurify Quality (IQ) Scores.

    But the best car insurance company for you depends on your specific needs and budget. Always compare quotes from different companies to find the best deal for the coverage you need.

  • What factors can affect your auto insurance premiums in St. Petersburg?

    The most important factors out of your control that affect auto insurance rates in St. Petersburg are the city’s weather patterns, traffic accident rates, and theft rates. St. Petersburg is susceptible to hurricanes and other storm damages, which can cause insurance losses in the area and increase rates. Plus, the city’s influx of tourists every year, and thus its higher risk of crashes, can also affect rates.

  • Why is auto insurance so expensive in Florida?

    Florida experiences property damage from storms and hurricanes every year. In September 2022, Hurricane Ian caused an estimated $112 billion in total damages. Furthermore, a recent report from the Insurance Information Institute explains that the insurance industry in Florida experienced more than $1 billion in underwriting losses in 2020 and 2021.[8] To offset these losses, insurance companies increased rates in the state — or stopped offering coverage altogether.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. AccuWeather. "Top 5 US cities most vulnerable to hurricanes."
  2. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  3. III. "What determines the price of an auto insurance policy?."
  4. Florida Department of Highway Safety and Motor Vehicles. "Traffic Crash Facts Annual Report 2021."
  5. III. "Senior driving safety and insurance tips."
  6. U.S. Census Bureau. "QuickFacts: St. Petersburg city, Florida."
  7. 2011 Florida Statutes. "626.9741 Use of credit reports and credit scores by insurers.."
  8. III. "Trends and Insights: Addressing Florida’s Property/Casualty Insurance Crisis."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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