Automobile

Car Insurance in St Petersburg, Florida: Everything You Need to Know

The average car insurance in St. Petersburg, Florida, costs $2703 per year. Some Petersburg insurers, like GEICO, provide car insurance to resident drivers at lower prices. Keep reading to discover how certain factors can influence the cost of vehicle insurance in St. Petersburg.

Table of Contents

  • Car Insurance: St. Petersburg Rates vs. State + National Averages
  • St. Petersburg Auto Insurance Costs by Insurer
  • St. Petersburg Auto Insurance Premiums by Driver Age
  • St. Petersburg Auto Insurance Premiums by Gender and Marital Status
  • Average St. Petersburg Auto Insurance Rates After a Violation or Accident
  • St. Petersburg Auto Insurance Premiums by Credit Tier
  • Cheaper St. Petersburg Zip Codes
  • List of Insurance Companies in St. Petersburg
  • No-Fault Insurance in St. Petersburg Information

    Car Insurance: St. Petersburg Rates vs. State + National Averages

    Car insurance in St. Petersburg costs about $2703 annually on average, according to The Zebra. That’s $394 more expensive than the average vehicle insurance cost in Florida ($2309) and $1155 cheaper than the U.S. average.

    St. Petersburg Auto Insurance Costs by Insurer

    The insurance companies in St. Petersburg offer auto insurance services at different prices. Therefore, you should compare car insurance rates before choosing an insurer. State Farm has the most affordable insurance policies in St. Petersburg.

    Here are the average yearly vehicle insurance rates insurance companies offer St. Petersburg drivers:

    • Allstate: $3720
    • Progressive: $3072
    • GEICO: $2501
    • State Farm: $1926

      St. Petersburg Auto Insurance Premiums by Driver Age

      In St. Petersburg, the age group you belong to determines the cost of your car insurance. Fifty-year-old drivers pay the lowest auto insurance rates. Car insurance premiums for 60-year-olds are $53 more expensive than vehicle insurance costs for drivers in their 50s.

      Teenage drivers pay the most expensive car insurance premiums in St. Petersburg. The pay difference between teenagers and 20-year-old policyholders is $4211, which is the largest gap between consecutive age groups. Your insurance company will lower your teenager’s car insurance premium when they celebrate their 20th birthday.

      Check out the average annual vehicle coverage costs for St. Petersburg drivers according to their age groups:

      • Teenage drivers: $7652
      • Drivers in their 20s: $3441
      • Drivers in their 30s: $2696
      • Drivers in their 40s: $2645
      • Drivers in their 50s: $2481
      • Drivers in their 60s: $2534
      • Drivers in their 70s: $3090

        St. Petersburg Car Insurance Premiums by Gender and Marital Status

        A driver’s gender and marital status can affect their car insurance rating. Most St. Petersburg insurers require single drivers to pay higher auto insurance costs than their married counterparts.

        Vehicle insurance policies for married motorists cost about $105 less than car insurance for single drivers in St. Petersburg, says The Zebra. Auto insurance rates for divorcees and widowed drivers are also less expensive than vehicle insurance prices for unmarried policyholders.

        In addition, male drivers in St. Petersburg enjoy car insurance at cheaper rates than their female counterparts. Annual car insurance prices for women differ by about $64 from yearly auto insurance costs for men.

        Here are the average yearly auto insurance rates for St. Petersburg drivers according to their gender and marital status:

        • Male drivers: $2703
        • Female drivers: $2767
        • Married drivers: $2598
        • Single drivers: $2493
        • Widowed drivers: $2652
        • Divorcees: $2703

          Average St. Petersburg Auto Insurance Rates After a Violation or Accident

          A clean driving record can help you reduce your car insurance rates. In contrast, drivers with violations and accidents on their driving records might face expensive auto insurance premiums. Some driving offenses that lead to increases in auto insurance are DUIs, at-fault accidents, over-speeding, and reckless driving.

          In St. Petersburg, reckless driving results in the highest increase in car insurance costs. Any resident driver guilty of reckless driving might pay an extra auto insurance fee of $1395 yearly, reports The Zebra. DUI offenders also pay expensive car insurance premiums. The average St. Petersburg insurer increases the insurance cost of a DUI offender by $1272 every year.

          Check out the average yearly auto insurance costs for St. Petersburg drivers with bad driving records:

          • Reckless driving: $4099
          • DUI: $3975
          • At-fault accident (damages worth over $1000): $3703
          • At-fault accident (damages worth less than $1000): $3703
          • Speeding ticket (16–20 mph above speed limit): $3368

            St. Petersburg Auto Insurance Costs by Credit Tier

            Car insurers in St. Petersburg often consider your credit score when determining how much to charge for their services. If you have a bad credit score, your insurer might require you to pay an expensive premium. Drivers at higher credit tiers like Exceptional tend to enjoy auto insurance at discounted rates.

            Any St. Petersburg driver who improves their credit score from Very Poor to Exceptional will earn a 59 percent drop in auto insurance costs. If you move from Very Poor to Fair, your insurer might reduce your car insurance premium by $2207.

            Here are the average car insurance costs paid yearly by St. Petersburg motorists on each credit tier:

            • Very Poor: $5342
            • Fair: $3315
            • Good: $2703
            • Very Good: $2451
            • Exceptional: $2175

              Cheaper St. Petersburg Zip Codes

              Depending on the level of crime in your area, your zip code might determine whether you pay expensive or cheap premiums for your car insurance. People who live in areas with low crime rates typically pay lower auto insurance rates.

              According to ValuePenguin, insured drivers who live within the following zip codes buy auto insurance at low annual rates:

              • 33715: $3457
              • 33708: $3513
              • 33716: $3625
              • 33702: $3635
              • 33703: $36345
              • 33701: $3649
              • 33704: $3674

                List of Insurance Companies in St. Petersburg

                Some of the best car insurers in St. Petersburg are Allstate, GEICO, Progressive, and State Farm.

                No-Fault Insurance in St. Petersburg Information

                Florida is a no-fault state. Insurance law in the state demands that a driver’s insurance company cover damages incurred during a car crash to a certain amount, irrespective of the driver at fault. Carinsurancecomparison.com states that drivers who are not at fault during the accident must give up the right to sue the driver who caused the crash.

                Check this out if you need additional information, resources, or guidance on car insurance.

                Sources:

                St. Petersburg, FL Car Insurance | thezebra.com

                Best Cheap Auto Insurance Rates in St. Petersburg, Florida | valuepenguin.com

                Car Insurance Rates in St. Petersburg | carinsurancecomparison.com

                Florida Car Insurance Laws: Everything You Need to Know | caranddriver.com

                How Much is Car Insurance in Florida? | caranddriver.com

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