120+ more*Quotes generated for Insurify users in and around Saint Petersburg, Florida within the last 10 days. Last updated on June 3, 2026. 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 June 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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9+ years in personal finance writing
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Updated
Car insurance in St. Petersburg is slightly higher than the state average. On average, St. Pete drivers pay $133 per month for liability-only policies and $228 per month for full-coverage insurance.
Car insurance premiums are more expensive in the Sunshine City due to its high rate of property crime and storm damage. Approximately 46% of St. Petersburg properties are at risk of severe flooding within the next 30 years, so the risk of flood damage to homes and vehicles is high.[1]
Compared to other major cities in Florida, St. Petersburg drivers have lower average rates than those in Orlando, Miami, or Tampa.
Florida drivers must have car insurance, and the state requires policies with $10,000 in personal injury protection (PIP) and $10,000 in property damage liability coverage.[2] On average, drivers pay $133 per month for liability insurance coverage.
Progressive offers the lowest average liability-only rate, at $74 per month. The table below shows the average monthly liability rates from top insurance companies in St. Petersburg.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| Progressive | $74 |
| State Farm | $79 |
| Mile Auto | $80 |
| Clearcover | $81 |
| GEICO | $90 |
| Dairyland | $95 |
| Embark | $101 |
| Infinity | $103 |
| Mercury | $114 |
| Direct Auto | $116 |
| GAINSCO | $117 |
| The General | $123 |
| Bristol West | $133 |
| Allstate | $136 |
| AssuranceAmerica | $138 |
| National General | $139 |
| Root | $143 |
| Travelers | $163 |
| Mendota | $216 |
| First Acceptance | $222 |
| Liberty Mutual | $224 |
Pay your first week’s premium and get immediate proof of insurance
On average, St. Petersburg drivers pay $228 per month for full coverage insurance, which includes collision and comprehensive coverage. Full-coverage policies are significantly more expensive than liability-only policies in St. Petersburg, but they can be worth the added cost.
It’s a good idea for St. Pete drivers to consider a full-coverage policy because of the city’s higher rate of property crime. Over the past five years, the city has seen an average of 735 vehicle thefts each year, according to the St. Petersburg police.[3] The area also faces the potential for damage from floods or hurricanes. For example, the city experienced more than six feet of storm surge from Hurricane Helene in 2024, and over 100 miles of road were affected.[4]
The table below shows the insurers with the lowest average rates for full-coverage policies in St. Petersburg, with State Farm offering the cheapest rates.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $128 |
| Progressive | $137 |
| Mile Auto | $149 |
| Mercury | $176 |
| GEICO | $181 |
| National General | $187 |
| Direct Auto | $199 |
| Clearcover | $200 |
| Bristol West | $211 |
| Allstate | $222 |
| Infinity | $222 |
| The General | $234 |
| Embark | $243 |
| AssuranceAmerica | $251 |
| Root | $263 |
| Travelers | $263 |
| GAINSCO | $274 |
| Liberty Mutual | $291 |
| Dairyland | $306 |
| First Acceptance | $326 |
| Mendota | $338 |
Car insurance is slightly more expensive in St. Petersburg than the state average.
By comparison, drivers in Venice, Florida, pay much less for car insurance than drivers in St. Petersburg. That difference is unsurprising considering the very different demographics in each city.
While 21% of St. Petersburg’s population is aged 65 or older, a whopping 61% of Venice’s population is in that age group.[5] And just 5% of Venice’s population are teens, so it has fewer inexperienced drivers on the road.
At the other end of the spectrum is Miami Gardens. With the city’s much higher population density, drivers pay significantly more for car insurance.
The table below highlights the average monthly car insurance rates for cities in Florida.
City | Average Monthly Quote |
|---|---|
| Apopka | $187 |
| Cape Coral | $163 |
| Clearwater | $172 |
| Davenport | $183 |
| Daytona Beach | $173 |
| Fort Lauderdale | $211 |
| Fort Myers | $172 |
| Gainesville | $152 |
| Jacksonville | $180 |
| Jupiter | $159 |
| Lakeland | $171 |
| Melbourne | $157 |
| Miami | $229 |
| Miami Gardens | $258 |
| Naples | $160 |
| Ocala | $163 |
| Orlando | $200 |
| Palm Bay | $163 |
| Panama City | $147 |
| Pensacola | $158 |
| Pompano Beach | $209 |
| Riverview | $210 |
| Sarasota | $151 |
| Spring Hill | $191 |
| St. Petersburg | $181 |
| Tallahassee | $161 |
| Tampa | $231 |
| Venice | $130 |
| West Palm Beach | $213 |
| Winter Haven | $175 |
Car insurance is pricier in St. Pete than in other parts of Florida due to congestion, and long work commutes are common. Commuters in the St. Petersburg/Tampa area spend an average of 64 hours per year due to traffic, according to the 2025 Urban Mobility Report from the Texas A&M Transportation Institute.[6]
The city also experienced significant damage due to recent hurricanes Milton and Helene. As a result of the back-to-back storms, policyholders submitted more than 105,000 claims for damaged private passenger vehicles, according to data from the Florida Office of Insurance Regulation.[7]
*Quotes generated for Insurify users in and around Saint Petersburg, Florida within the last 10 days. Last updated on June 3, 2026. 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 June 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
A single speeding ticket or at-fault accident can affect your car insurance rates. Below are the cheapest insurance companies for St. Petersburg drivers with incidents on their driving records:
Cheapest car insurance for St. Petersburg drivers with a clean driving record: Progressive
Cheapest car insurance for drivers with a speeding ticket in St. Petersburg: Progressive
Cheapest car insurance for St. Petersburg drivers with an at-fault accident: Progressive
Cheapest car insurance for drivers with a DUI in St. Petersburg: Progressive
In St. Petersburg, approximately 0.8% of drivers have driving under the influence (DUI) convictions on their records, according to Insurify data. In most cases, bodily injury liability coverage is optional in Florida, as it’s a no-fault state. But drivers with DUIs on their records or drivers who caused serious injury or death will need bodily injury liability coverage.
In St. Pete, approximately 3% of drivers have tickets, and about 4% have at-fault accidents on their records, according to Insurify data.
Pinellas County launched the Safe Street Pinellas Action Plan to combat traffic collisions in St. Pete and other nearby cities. The plan re-evaluates roads and traffic lights, and launches educational materials to reduce crashes.
Below are the average rates for drivers with different infractions on their records in St. Petersburg.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $181 |
| Speeding ticket | $211 |
| At-fault accident | $230 |
| DUI | $235 |
St. Petersburg is different from other cities because of the effect of tourism on the area. Each year, 14.9 million people visit the St. Petersburg/Clearwater area.[8] That high number increases congestion on the roads and the risk of accidents.
The city is also known as a sports hub, with Tropicana Field and Al Lang Stadium hosting games. Traffic during games can become hectic, particularly near Central Avenue and 16th Street.
With many drivers unfamiliar with the area, it’s wise to leave extra space between vehicles and to stay alert for sudden stops or sharp turns.
Florida is also one of the worst states for uninsured motorists, according to the Insurance Information Institute.[9] With so many drivers going without coverage, consider talking to your insurance agent about adding uninsured/underinsured motorist insurance to your policy for peace of mind.
Finally, St. Petersburg is prone to hurricanes and flooding. Maintaining full coverage rather than a liability-only policy can be a good idea to protect your vehicle against flood or storm damage.
In St. Petersburg, Interstate 275 is one of the biggest and most commonly used roads. Currently, a project is underway to widen I-275 and add two tolled express lanes. This project is scheduled to end in 2030, so drivers in the area should expect longer commute times and extra traffic due to the construction.
Drivers should also be aware that St. Pete installed artificial intelligence-driven traffic signals on 66th Street from Pasadena Avenue to 38th Avenue North and on Tyrone Boulevard from 5th Avenue to Park Street. These roads are commonly the sites of major crashes, so the new traffic signals are intended to cut down on accidents.
In St. Pete, approximately 5% of the population is between the ages of 15 and 19.[10] Teen drivers in St. Petersburg can improve their driving skills by taking the Teen Driver Challenge through the Pinellas County Sheriff’s Office. This free program is a two-day course that teaches safe driving habits.
The course can be useful, since car insurance can be expensive for teens. With their limited experience behind the wheel, they’re more likely to be involved in serious accidents and pay higher premiums.
On average, teens in St. Pete teens pay $225 per month for liability coverage.
The table below shows the insurance companies with the lowest average rates for teens in St. Petersburg.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Progressive | $125 |
| Clearcover | $128 |
| State Farm | $149 |
| GEICO | $157 |
| Mile Auto | $159 |
| Dairyland | $160 |
| Embark | $171 |
| Infinity | $172 |
| GAINSCO | $201 |
| Mercury | $202 |
| Root | $207 |
| The General | $214 |
| Direct Auto | $218 |
| Bristol West | $228 |
| Allstate | $261 |
| National General | $269 |
| AssuranceAmerica | $278 |
| Travelers | $330 |
| Mendota | $366 |
| First Acceptance | $376 |
| Liberty Mutual | $379 |
Check quotes from 120+ top insurance companies
Approximately 21% of St. Petersburg’s population is aged 65 or older, according to the U.S. Census Bureau. Senior drivers in St. Petersburg usually have lower premiums than drivers in other age groups.
Progressive and State Farm offer the cheapest rates for senior drivers in St. Petersburg, with average rates of $67 and $64 per month, respectively.
The table below highlights the cheapest car insurance rates for senior drivers in St. Petersburg.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $64 |
| Mile Auto | $64 |
| Progressive | $67 |
| GEICO | $73 |
| Clearcover | $73 |
| Infinity | $76 |
| Dairyland | $83 |
| Embark | $91 |
| Mercury | $93 |
| Direct Auto | $97 |
| GAINSCO | $102 |
| The General | $107 |
| AssuranceAmerica | $111 |
| National General | $112 |
| Allstate | $113 |
| Bristol West | $114 |
| Travelers | $133 |
| Root | $134 |
| Liberty Mutual | $191 |
| Mendota | $195 |
| First Acceptance | $200 |
If you’re shopping for car insurance in St. Petersburg, the following information can help you compare your coverage options.
On average, St. Petersburg drivers pay $181 per month for car insurance. Your rates may vary based on your ZIP code, driving history, and your vehicle’s make and model.
In St. Petersburg, Progressive is the cheapest auto insurance company. On average, drivers pay $74 per month for liability coverage.
Common insurance discounts for St. Petersburg drivers include claims-free, multi-policy (bundling auto insurance with other insurance products, such as home insurance), good student, and loyalty discounts. Some insurers also offer discounts for enrolling in telematics or usage-based insurance programs.
Key factors affecting your St. Petersburg car insurance rates include your neighborhood’s risk of flooding or storm surges, whether you commute downtown, your coverage level, and your deductible. In addition, high-risk areas for crime, such as the Edge District, tend to have higher rates.
Florida requires recreational vehicle (RV) owners to have auto insurance that meets the state’s minimum coverage requirements for PIP and property damage liability if the RV is drivable and taken on public roads. For towable RVs, coverage isn’t necessary, but you may want to purchase an insurance policy to protect your property.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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9+ years in personal finance writing
Certified Financial Counselor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.