Geico offers the most affordable car insurance in St. Petersburg, priced at $31 per month for minimum liability coverage.
Geico Tops the List Most Budget-Friendly Overall: Geico
State Farm Leads Best Deal for Full Coverage: State Farm
Geico Ranks Second Top Choice for Teen Drivers: Geico
How We Selected These Companies
In our quest to assist you in securing the most affordable car insurance in St. Petersburg, FL, ValuePenguin conducted a thorough comparison of quotes from leading car insurance providers across all ZIP codes within the city.
To identify the optimal insurance companies in St. Petersburg, Florida, we collected quotes specifically for minimum-coverage car insurance, aligning with the state’s requirements of $10,000 in personal injury protection (PIP) coverage and $10,000 in property damage coverage.
Full-coverage policy quotes encompassed comprehensive and collision coverage, featuring higher liability limits than the state-mandated minimums.
Most Inexpensive Car Insurance in St. Petersburg: Geico Geico stands out with the most economical car insurance quotes in St. Petersburg.
For a minimum-coverage policy from Geico, the monthly cost is $31, marking a remarkable 68% reduction compared to the citywide average.
The typical expense for car insurance in St. Petersburg is $95 per month or $1,146 annually for minimum liability coverage.
Affordable Minimum-Coverage Car Insurance in St. Petersburg, FL
| Company | Monthly Rate |
|---|---|
| Geico | $31 |
| State Farm | $41 |
| Travelers | $60 |
| Farmers | $76 |
| UAIC (United Automobile) | $124 |
| Progressive | $130 |
| Allstate | $207 |
Most Affordable Full-Coverage in St. Petersburg
| Company | Monthly Rate |
|---|---|
| State Farm | $143 |
| Geico | $164 |
| Travelers | $205 |
| Farmers | $251 |
| UAIC | $277 |
| Progressive | $317 |
| Allstate | $463 |
Securing full-coverage insurance in St. Petersburg is most budget-friendly with State Farm, offering a monthly rate of $143.
This is 45% below the average, surpassing the second-best option, Geico, by $21 per month.
The average cost for comprehensive coverage in St. Petersburg is $260 per month, exceeding the statewide average in Florida by $22.
Economical Insurance for Drivers with Incidents
| Company | Best Choice After an Accident | Best Choice for DUI | Best for Bad Credit |
|---|---|---|---|
| State Farm | Yes | Yes | No |
| UAIC (United Automobile) | No | No | Yes |
State Farm stands out as the most economical choice for car insurance in St. Petersburg, especially for drivers with prior traffic violations.
Whether it’s after an accident or dealing with a DUI, State Farm offers cost-effective solutions. UAIC takes the lead for drivers with bad credit.
Drivers with incidents on their records, such as speeding tickets, accidents, or DUIs, typically face higher insurance premiums due to perceived higher risk.
State Farm addresses this concern by offering affordable options for those with less-than-perfect driving histories
Most Affordable Car Insurance After Incidents in St. Petersburg
Cheapest car insurance after a speeding ticket: State Farm
| Company | Monthly Rate |
|---|---|
| State Farm | $154 |
| Geico | $251 |
| Travelers | $253 |
| UAIC | $277 |
| Farmers | $300 |
| Progressive | $444 |
| Allstate | $463 |
State Farm offers the most economical car insurance quotes in St. Petersburg for drivers with recent speeding tickets.
A full-coverage policy from State Farm is priced at $154 per month after a single speeding ticket, which is only half as much as the city’s average.
Drivers in St. Petersburg typically pay an average of $306 per month for full-coverage insurance after a speeding ticket, representing an 18% increase compared to the average rate for a driver with a clean record.
Cheapest car insurance after an accident: State Farm
| Company | Monthly Rate |
|---|---|
| State Farm | $165 |
| Geico | $212 |
| Travelers | $279 |
| Farmers | $346 |
| UAIC | $359 |
| Progressive | $472 |
| Allstate | $803 |
State Farm stands out with the most affordable rates in St. Petersburg after an at-fault accident, offering a full-coverage policy at $165 per month.
This is 56% less expensive than the city’s average and $47 per month less expensive than the second-cheapest option, Geico.
Having an accident on the record increases the average rate for a full-coverage policy in St. Petersburg by $117 per month, representing a 45% increase.
Notably, different insurance companies may apply varying rate increases after an accident, with State Farm only raising rates by 15% after a single at-fault accident, in contrast to Allstate’s 73% increase.
Cheapest quotes in St. Petersburg for drivers with a DUI: State Farm
| Company | Monthly Rate |
|---|---|
| State Farm | $154 |
| Geico | $262 |
| Farmers | $268 |
| Travelers | $304 |
| Progressive | $375 |
| UAIC | $477 |
| Allstate | $587 |
For drivers with a DUI on their record, State Farm offers the most affordable policy in St. Petersburg at $154 per month, which is 56% cheaper than the city average.
Insurance rates for drivers with a DUI are significantly higher than rates for those with a clean record, with the average rate for a full-coverage policy being $87 more per month compared to a driver with no DUI.
Additionally, Florida drivers may require an FR-44 filing after a DUI, potentially impacting the availability of affordable insurance options.
Cheapest car insurance for drivers with poor credit: UAIC
| Company | Monthly Rate |
|---|---|
| UAIC | $277 |
| Geico | $281 |
| State Farm | $304 |
| Farmers | $351 |
| Travelers | $429 |
| Progressive | $498 |
| Allstate | $902 |
UAIC offers the most affordable rates for St. Petersburg drivers with poor credit scores, providing full coverage at $277 per month.
In many states, car insurance companies tend to charge higher rates for drivers with poor credit, believing that they are more likely to file claims, making them more expensive to insure.
In St. Petersburg, drivers with bad credit pay 67% more for full-coverage insurance compared to drivers with good credit.
Cheapest quotes for young drivers: Geico
| Company | Liability only | Full coverage |
|---|---|---|
| Geico | $70 | $369 |
| State Farm | $113 | $403 |
| Travelers | $134 | $562 |
| Farmers | $250 | $861 |
| Progressive | $257 | $787 |
| UAIC | $291 | $650 |
| Allstate | $389 | $1,573 |
Geico provides the most affordable car insurance quotes in St. Petersburg for teenage drivers.
A minimum-coverage policy for an 18-year-old driver costs $70 per month, which is 67% cheaper than the St. Petersburg average.
Geico also offers the most budget-friendly full-coverage rates at $369 per month, which is half as much as the average teen pays for coverage.
On average, young drivers in St. Petersburg pay $215 per month for minimum-coverage insurance and $744 per month for full coverage, which is two to three times as much as a 30-year-old driver pays for coverage.
Cheapest quotes for teen drivers with traffic violations: Geico
| Company | Ticket | Accident |
|---|---|---|
| Geico | $82 | $72 |
| State Farm | $124 | $136 |
| Travelers | $164 | $185 |
| UAIC | $291 | $362 |
| Progressive | $293 | $287 |
| Farmers | $304 | $321 |
| Allstate | $389 | $569 |
Geico also provides the most affordable quotes for young drivers after a speeding ticket or at-fault accident.
Teen drivers with a single speeding ticket pay around $82 per month for minimum coverage from Geico, which is 65% cheaper than average.
The same policy costs $72 per month after an at-fault accident, which is 74% less expensive than the St. Petersburg average.
On average, teen drivers in St. Petersburg can expect their insurance rates to increase by 9% after a single speeding ticket and 17% after an accident.
Cheapest car insurance for married drivers: State Farm
| Company | Monthly Rate |
|---|---|
| State Farm | $143 |
| Geico | $164 |
| Travelers | $205 |
| UAIC | $249 |
| Farmers | $253 |
| Progressive | $257 |
| Allstate | $480 |
State Farm offers the most budget-friendly full-coverage rates for married drivers in St. Petersburg at $143 per month, despite not offering a specific discount for married drivers.
On average, married drivers in St. Petersburg pay 4% less for car insurance than their unmarried counterparts, with Progressive providing the largest discount at 19%.
Cheapest car insurance in St. Petersburg by ZIP code
| ZIP code | Monthly cost | % from average |
|---|---|---|
| 33701 | $260 | 0% |
| 33702 | $258 | -1% |
| 33703 | $258 | -1% |
| 33704 | $261 | 0% |
| 33705 | $263 | 1% |
| 33707 | $262 | 1% |
| 33708 | $253 | -3% |
| 33709 | $263 | 1% |
| 33710 | $261 | 0% |
| 33711 | $260 | 0% |
| 33712 | $260 | 0% |
| 33713 | $263 | 1% |
| 33714 | $265 | 2% |
| 33715 | $256 | -1% |
| 33716 | $256 | -1% |
| 33730 | $262 | 1% |
Drivers in ZIP code 33708, located on the coast, enjoy the cheapest car insurance rates in St.
Pete, while those in 33714, near the city center, pay the most for insurance.
Although rates within a city tend to be similar, some variation may occur based on factors like population density, traffic, and crime rates.
Among different ZIP codes in St. Petersburg, full-coverage policy rates only vary by $12 per month.
Frequently asked questions
- Who has the cheapest car insurance quotes in St. Petersburg, FL?
- Geico has the cheapest minimum-coverage car insurance quotes in St. Petersburg, at $31 per month. For drivers seeking full-coverage insurance, the most affordable rates can be found at State Farm, where a policy costs $143 per month.
- What is the average monthly cost of car insurance in St. Petersburg?
- Minimum-coverage car insurance costs around $95 per month in St. Petersburg, while full coverage costs $260 per month on average. This is between 4% and 9% more expensive than the Florida state average.
- How much car insurance is required in St. Petersburg, FL?
- Florida law mandates drivers to have a minimum of $10,000 of personal injury protection (PIP) and $10,000 of property damage liability coverage per accident. Some drivers may need higher limits, such as those requiring an SR-22 or FR-44 filing.
Also read: Cheap Auto Insurance In Pensacola FL
Methodology for Identifying Affordable Car Insurance in St. Petersburg
In conducting our analysis to identify the best affordable car insurance options in St. Petersburg.
ValuePenguin utilized quotes obtained from leading car insurance companies in Florida, considering various ZIP codes within the city.
The quotes were generated for a 30-year-old single male driver with an untarnished driving record and a favorable credit score, operating a 2015 Honda Civic EX.
The full-coverage rates encompass higher liability limits than the mandated Florida state minimum, incorporating comprehensive and collision coverage. The specific coverage limits are as follows:
- Bodily injury liability: $50,000 per person / $100,000 per accident
- Personal injury protection: $10,000
- Property damage liability: $25,000 per accident
- Uninsured/underinsured motorist bodily injury liability: $50,000 per person / $100,000 per accident
- Comprehensive and collision coverage: $500 deductible
To compile our findings, ValuePenguin extracted insurance rate data from Quadrant Information Services.
These rates were derived from insurer filings and are publicly available for comparative purposes.
It is important to note that the actual rates offered by these insurers may vary, and the provided data should be used solely for comparison purposes.