Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717
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Las tarifas más baratas encontradas recientemente en Florida
Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $44/mes para solo responsabilidad y $82/mes para cobertura total en Florida.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
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 $385 a month for liability-only coverage and $453 for full-coverage insurance, far exceeding the national averages of $106 and $172 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 find affordable car insurance in St. Pete despite its higher-than-average rates.
Datos Breves
Full-coverage car insurance in St. Petersburg costs 163% more than the national average, but it’s only 3% higher than the Florida state average.
St. Petersburg drivers with poor credit pay 101% more, on average, than drivers with excellent credit.
Florida car insurance requirements include personal injury protection instead of bodily injury liability.[2]
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Best 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.
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.
4.5
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.
$74/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.
$86/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.
Ventajas
No. 1 spot in J.D. Power's customer satisfaction study in Florida
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.
4.2
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.
$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
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.
Ventajas
Above-average J.D. Power claims satisfaction rating in Florida
We were with Geico for over 20 years and then had a terrible customer service experience. This wasn't a minor issue or just one agent. The problem involved conversations with multiple agents and supervisors. It's disappointing that after being insured with this company for so long, they showed no interest in resolving an unexpected situation that was actually an honest mistake made by one of their agents. I don't recommend them!
Elizabeth - April 25, 2024
Verified
Excellent
It has always been great.
Andrew - April 24, 2024
Verified
AI-Run, Money-Hungry Company
The customer service is poor and very unprofessional. It's impossible to speak to an agent.
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.
4.2
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.
$128/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.
$149/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.
Ventajas
Plenty of discounts
Coverage for hybrids and classic cars
Contras
Higher average rates than competitors
Below-average J.D. Power insurance-shopping satisfaction rating
I've been with Allstate at the Welsh agency for the past 5 years and the service has been very good. However, since the retirement of my agent, I haven't had the same personal experience with the Carlisle agency and am considering switching to another company.
James - April 23, 2024
Verified
Recommend Allstate
Other than continually raising my rate, I consider them very good.
James - April 22, 2024
Verified
Good
Very good but expensive.
…
Cheapest liability-only car insurance in St. Petersburg
Liability coverage is often the cheapest car insurance you can purchase while still maintaining Florida car insurance requirements. However, liability coverage in Florida doesn’t pay for damages to your vehicle after an accident.
If you’re in St. Petersburg, take a look at the most affordable liability-only policies.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Monthly Quote
State Farm
74
GEICO
76
Hugo
82
Allstate
128
Safeco
141
Mile Auto
143
Travelers
153
Mercury
159
Liberty Mutual
168
Direct Auto
171
Midvale Home & Auto
191
Progressive
194
Infinity
217
Foremost
228
Dairyland
231
AssuranceAmerica
253
Bristol West
299
National General
333
The General
341
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest full-coverage car insurance in St. Petersburg
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.
If you live in St. Petersburg, Florida, check out the cheapest car insurance companies in the city below.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Monthly Quote
State Farm
86
GEICO
88
Hugo
93
Allstate
149
Travelers
179
Mercury
187
Safeco
193
Mile Auto
199
GAINSCO
234
Infinity
254
Liberty Mutual
257
Midvale Home & Auto
274
Direct Auto
275
Progressive
275
National General
335
Foremost
336
AssuranceAmerica
345
Dairyland
411
Bristol West
427
The General
485
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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.
However, for people with an imperfect driving record, it’s essential to find affordable car insurance that meets your needs.
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Cheapest car insurance for drivers with a speeding ticket
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.
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: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
100
86
GEICO
103
89
Hugo
116
102
Allstate
174
150
Travelers
211
181
Safeco
230
168
Mercury
236
201
Mile Auto
253
182
Infinity
311
265
Progressive
323
228
Direct Auto
327
203
Midvale Home & Auto
333
232
Liberty Mutual
335
219
AssuranceAmerica
415
304
National General
437
434
Foremost
438
297
Dairyland
485
272
Bristol West
495
347
The General
576
405
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for drivers with an at-fault accident
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. 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: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
108
93
GEICO
111
96
Hugo
113
100
Allstate
187
161
Travelers
226
193
Safeco
234
171
Mercury
251
213
Mile Auto
277
199
Infinity
314
269
Progressive
352
249
Liberty Mutual
354
232
Direct Auto
355
221
Midvale Home & Auto
365
254
National General
417
414
AssuranceAmerica
436
320
Foremost
463
314
Dairyland
517
290
Bristol West
527
369
The General
623
438
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for drivers with a DUI
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 to rise significantly after a DUI. 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: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
136
117
GEICO
139
120
Hugo
147
129
Allstate
235
202
Mercury
266
226
Travelers
283
241
Mile Auto
284
204
Safeco
305
223
Infinity
401
343
Liberty Mutual
406
265
Midvale Home & Auto
432
301
Direct Auto
434
270
Progressive
434
306
National General
529
526
Foremost
530
360
AssuranceAmerica
545
399
Dairyland
649
365
Bristol West
674
472
The General
765
538
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for St. Petersburg seniors
Auto insurers consider your age when determining your car insurance premiums. As you gain driving experience and reach your mid-30s, rates usually decrease. However, around the age of 75, 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 tend to pay lower average car insurance rates than other age groups.[6]
Here are the cheapest car insurance companies for seniors in St. Petersburg.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
49
42
GEICO
55
48
Hugo
55
48
Allstate
95
81
Travelers
112
96
Mercury
113
96
Mile Auto
125
90
Safeco
129
94
Progressive
145
102
Infinity
155
132
Liberty Mutual
160
105
Midvale Home & Auto
163
114
Direct Auto
172
107
Foremost
215
146
AssuranceAmerica
217
159
National General
240
239
Dairyland
277
156
Bristol West
285
199
The General
346
244
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for St. Petersburg teens
Teenagers and young adults typically pay higher rates compared to older drivers, mainly due to their limited experience and higher risk profiles. For instance, 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: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
GEICO
126
109
State Farm
134
115
Hugo
150
132
Allstate
240
206
Travelers
298
254
Mercury
315
268
Mile Auto
357
257
Safeco
380
278
Infinity
431
368
Midvale Home & Auto
441
308
Liberty Mutual
444
290
Progressive
461
325
Direct Auto
465
289
Foremost
549
372
National General
576
573
AssuranceAmerica
594
435
Dairyland
635
357
Bristol West
669
468
The General
720
506
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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.
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St. Petersburg car insurance quotes by credit tier
Car insurance companies in Florida can use your credit score 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.
Here’s how much St. Petersburg drivers pay for car insurance, on average, based on credit scores.
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, on average, compared to the national average and the state average. The average cost of car insurance in the U.S. is $106 a month for liability-only insurance, and full coverage costs $172.
However, St. Petersburg residents face a steep average monthly premium of $453 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.
Important Information
Florida drivers have the fourth-highest car insurance costs in the U.S., with an average annual premium of $2,412. Damage from Hurricane Ian contributed to record-breaking losses for insurers in 2022. Florida’s no-fault system presents additional challenges for insurance companies. Insurify’s 2023 Mid-Year Auto Report explores the reasons behind rising rates, why major insurers are leaving the state, and how new legislation could affect Florida drivers.
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.
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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 $385 a month for liability insurance and $453 a month for full coverage.
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.
Metodología
Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.
El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.
Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.
Sources
AccuWeather. "Top 5 US cities most vulnerable to hurricanes."