Cheapest Auto Insurance in St. Petersburg, Florida (2025)

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 $169 per month for liability-only coverage and $251 for full-coverage insurance, far exceeding the national averages of $105 and $196 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	$88	$69	Full coverage
GEICO	9.0	$91	$71	Discounts
Allstate	8.9	$154	$120	Safe 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

full coverage

Compare Quotes

User Reviews	4.2 5,874 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.	$75/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.	$97/mo

Hide Details

Driver Reviews

4.2

Best choiceBased on 10,713 verified guest 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 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 For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (5,874)

Sarah

April 27, 2025

Verified Review

Horrible customer service and I've been with them for years!

Horrible. I've been with them for years, and it's all about the money and getting every dime they can for as little coverage as possible. Customer service is horrible, at least at State Farm in Wichita Falls, TX. They never call you back or leave a message, like they don't care, which they don't. If you can't reach me by phone, leave a message or email; don't use that as an excuse or say it's my fault. Try a little harder, please! Oh well, goodbye. I got way more coverage for WAY cheaper, saving me $1,200 a year!

William

April 27, 2025

Verified Review

Rates

Instead of raising everyone's rates, those of us with no claims should see a rate discount based on longevity!

Jennifer

April 27, 2025

Verified Review

I would recommend getting 2 months of rental car coverage, as it takes about 3 weeks just to get an estimate, leaving you only 1 week to find a car. It's nearly impossible and could affect my job because I have to find rides. I may even lose my job.

I would recommend getting 2 months of rental car coverage, as it takes about 3 weeks just to get an estimate, leaving you only 1 week to find a car. It's nearly impossible and could affect my job because I have to find rides. I may even lose my job.

Previous

1234…25

NextSee all State Farm reviews

Our Advice

JD Power

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

842

NAIC Index

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

0.78

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

Compare Quotes

User Reviews	4.0 6,311 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 /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.	$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.	$99/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 11,587 verified guest 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 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 For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (6,311)

Joseph

April 27, 2025

Verified Review

Terrible

Terrible, you guys ripped me off for 3 years. I got rates for half of what you charged me. And at the end, you sent me a letter saying that it's going up by 11 dollars. I'm a driver that rarely uses the car, never had a ticket or accident, or any problems at all, and always paid my payment on time. To top it off, I called you after I obtained new insurance with another company. The person on the phone stated that I need to continue to pay my payments for the next 6 months no matter what. This is ridiculous. If I don't receive my prorated balance of my last payment I just paid to GEICO auto insurance, I will make this public. Goodbye!

Richard

April 27, 2025

Verified Review

Unexpected Price Increase

The price of my insurance went up even though I didn’t have any tickets or accidents.

Eyeris

April 27, 2025

Verified Review

Solo voy a estar con este seguro por un mes, su alto precio me obliga a cambiar

La verdad, no lo recomendaría. Los precios son muy altos y no me preguntaron si yo era conductor en mi país.

Previous

1234…25

NextSee all GEICO reviews

Our Advice

JD Power

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

835

NAIC Index

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

0.74

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	4.0 3,568 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.	$132/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.	$168/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 6,582 verified guest 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 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 For

Accident forgiveness

Wide availability

Cheap rates

Reviews (3,568)

Joan

April 27, 2025

Verified Review

All good. Premiums are high, but all insurers' premiums are high. I will keep them for my auto and home insurance.

All good. Premiums are high, but all insurers' premiums are high. I will keep them for my auto and home insurance.

Michael

April 27, 2025

Verified Review

Need cheaper insurance

Allstate is a good company. I just need to find something cheaper. I live on a very strict budget and need to find something more affordable.

Dena

April 26, 2025

Verified Review

Allstate Review

I haven't had any claims to evaluate their service, but my rates keep going up even with bundling.

Previous

1234…25

NextSee all Allstate reviews

Our Advice

JD Power

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

833

NAIC Index

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

0.94

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 $75 per month

Enter your ZIP codeView My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

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 $169 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: Tuesday, April 22 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$75
GEICO	$77
Mile Auto	$123
Allstate	$132
Travelers	$156
Direct Auto	$171
Mercury	$176
Root	$186
Progressive	$198
Infinity	$212
Foremost	$227
GAINSCO	$250
Bristol West	$257
Dairyland	$259
National General	$291
The General	$317

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 $251 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: Tuesday, April 22 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$97
GEICO	$99
Mile Auto	$158
Allstate	$168
Travelers	$199
Mercury	$226
Root	$285
Progressive	$297
Infinity	$297
National General	$299
Direct Auto	$325
Foremost	$343
Bristol West	$359
GAINSCO	$379
The General	$419
Dairyland	$457

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.

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 $86 for drivers with an incident

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

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 $205 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: Tuesday, April 22 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$75	$90
GEICO	$77	$93
Mile Auto	$123	$145
Allstate	$132	$160
Travelers	$156	$191
Direct Auto	$171	$209
Mercury	$176	$232
Root	$186	$249
Progressive	$198	$242
Infinity	$212	$266
Foremost	$227	$293
GAINSCO	$250	$323
Bristol West	$257	$316
Dairyland	$259	$314
National General	$291	$352
The General	$317	$401

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 $219 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: Tuesday, April 22 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$75	$95
GEICO	$77	$99
Mile Auto	$123	$160
Allstate	$132	$169
Travelers	$156	$201
Direct Auto	$171	$225
Mercury	$176	$246
Root	$186	$261
Progressive	$198	$260
Infinity	$212	$266
Foremost	$227	$307
GAINSCO	$250	$309
Bristol West	$257	$330
Dairyland	$259	$331
National General	$291	$367
The General	$317	$418

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 $253 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: Tuesday, April 22 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
State Farm	$75	$117
GEICO	$77	$120
Mile Auto	$123	$191
Allstate	$132	$205
Travelers	$156	$242
Direct Auto	$171	$266
Mercury	$176	$264
Root	$186	$266
Progressive	$198	$308
Infinity	$212	$330
Foremost	$227	$353
GAINSCO	$250	$389
Bristol West	$257	$399
Dairyland	$259	$403
National General	$291	$452
The General	$317	$493

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: 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 are estimated rates current as of: Tuesday, April 22 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$58	$75
GEICO	$61	$78
Mile Auto	$92	$119
Allstate	$105	$134
Travelers	$121	$154
Direct Auto	$132	$250
Progressive	$141	$211
Mercury	$141	$181
Root	$159	$244
Infinity	$164	$230
Foremost	$182	$275
GAINSCO	$206	$312
Bristol West	$206	$288
Dairyland	$207	$365
National General	$220	$226
The General	$252	$334

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 $288 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: Tuesday, April 22 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
GEICO	$128	$164
State Farm	$133	$173
Mile Auto	$244	$313
Allstate	$245	$312
Root	$286	$437
Travelers	$290	$369
Mercury	$316	$406
Direct Auto	$322	$611
Progressive	$352	$527
Infinity	$382	$536
Foremost	$410	$620
Dairyland	$412	$728
Bristol West	$440	$614
GAINSCO	$441	$668
The General	$509	$673
National General	$570	$585

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.

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 $105 per month for liability-only insurance, and full coverage costs $196.

But St. Petersburg residents face a steep average monthly premium of $251 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	$224	$132
Clearwater	$223	$157
Fort Lauderdale	$292	$192
Jacksonville	$233	$146
Miami	$330	$208
Ocala	$206	$128
Orlando	$248	$162
Pensacola	$215	$127
Tallahassee	$209	$129
Tampa	$310	$216
Winter Haven	$242	$147

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