Key Takeaways
- GEICO has the cheapest car insurance rates in St. Petersburg for all driver and coverage categories except for drivers with speeding tickets or DUIs.
- Minimum-coverage car insurance in St. Petersburg is cheaper than the state average ($204 vs. $219 a month), while full coverage is more expensive ($356 vs. $347 a month).
- St. Petersburg drivers with a speeding ticket pay 24% more for car insurance than they would with a clean driving record. Drivers with an at-fault accident pay 52% more.
In this article
The cheapest car insurance companies in St. Petersburg, FL
Here are the cheapest car insurance companies for drivers in St. Petersburg, according to our survey of the city’s top providers.
- GEICO: cheapest overall
- State Farm: cheapest with a speeding ticket
- State Farm: cheapest with a DUI
- GEICO: cheapest for teens and seniors
GEICO is the overall cheapest car insurance provider in St. Petersburg thanks to offering the city’s lowest rates for both minimum- and full-coverage policies. GEICO’s rates are less than half the city average for these coverage amounts.
State Farm has the lowest car insurance rates for St. Petersburg drivers with a speeding ticket on their records. In fact, State Farm only charges these drivers $19 a month more for a full-coverage policy than it charges drivers with clean records.
GEICO has the most affordable rates for young drivers in St. Petersburg. Its average rate for minimum coverage here is $248 a month – $123 less than what next-cheapest State Farm charges.
To find your best and cheapest rates on any amount of coverage, compare car insurance quotes from several companies.
St. Petersburg car insurance minimums
In Florida, all drivers must carry personal injury protection (PIP) and property damage liability (PDL) car insurance coverage. Both policies must cover a minimum of $10,000 in damages.
This is considered state-minimum car insurance coverage. Full-coverage car insurance usually matches these statewide requirements while also adding collision and comprehensive coverages. Drivers may add coverages for towing, rental cars and other accident-related expenses, too.
No state requires full coverage, but it’s not a bad idea for those with new or expensive cars. Oftentimes, lenders and lessors might require drivers to carry full coverage as a condition of doing business with them.
Cheapest minimum-coverage auto insurance rates in St. Petersburg: GEICO
GEICO has the cheapest car insurance in St. Petersburg. On average, the company charges $93 a month for minimum-coverage policies.
Beyond that, drivers will find the second-best deal on minimum-coverage car insurance from State Farm, where the average rate is $145 a month.
The average cost of minimum-coverage car insurance in St. Petersburg is $204 a month.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $93 |
| State Farm | $145 |
| Progressive | $237 |
| Allstate | $340 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
Minimum-coverage or state-minimum car insurance meets the state’s requirements for bodily injury and property damage liability coverage. Liability coverage pays for injuries and property damage you cause to others. It won’t pay for your own medical bills or car repairs.
Cheapest full-coverage auto insurance rates in St. Petersburg: GEICO
The most affordable full-coverage car insurance in St. Petersburg comes from GEICO. The company offers full coverage for an average monthly rate of $163.
State Farm again comes in second, with an average monthly rate of $226. After that, Progressive and Allstate present much more expensive options.
The average cost of full-coverage car insurance in St. Petersburg is $356 a month.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $163 |
| State Farm | $226 |
| Progressive | $395 |
| Allstate | $638 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. | |
Full-coverage car insurance usually includes collision and comprehensive coverages, in addition to state-required minimum coverages, which in Florida are PIP and PDL.
Cheapest car insurance for drivers with a prior incident
GEICO is the cheapest car insurance company in St. Petersburg for drivers with an accident on their records. State Farm has the cheapest rates for drivers with a speeding ticket or DUI.
Cheapest for drivers with a speeding ticket: State Farm
State Farm has the best car insurance rates for St. Petersburg drivers with a speeding ticket. There, drivers with one ticket on their record will pay $245 a month for a full-coverage policy.
GEICO trails behind, with a monthly cost of $304. That’s still significantly less than the citywide average of $443.
Drivers in St. Petersburg with a speeding ticket on their records pay 24% more for car insurance than they would if they had clean records. Those who get policies from State Farm, though only pay 8% more, on average.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $245 |
| GEICO | $304 |
| Progressive | $586 |
| Allstate | $638 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. | |
Cheapest for drivers with an at-fault accident: GEICO
For drivers with an accident history, GEICO has the cheapest car insurance rates in St. Petersburg. At GEICO, those with one accident on their records pay an average of $246 a month for full coverage.
The average cost of car insurance for St. Petersburg drivers with an accident on their records is $540 a month. This is 52% higher than the average for drivers with clean records.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $246 |
| State Farm | $264 |
| Progressive | $624 |
| Allstate | $1,025 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. | |
Cheapest for drivers with a DUI: State Farm
Drivers with a DUI on their record should turn to State Farm for cheap auto insurance. The company charges these drivers $245 a month for full coverage — that’s over $200 less than the statewide average of $465.
St. Petersburg drivers with a DUI pay 31% more for auto insurance than do drivers with clean records. Those who buy their coverage from State Farm, though, only pay an average of 8% more.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $245 |
| GEICO | $314 |
| Progressive | $480 |
| Allstate | $821 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. | |
Cheapest car insurance for senior drivers: GEICO
The most affordable car insurance for senior drivers in St. Petersburg comes from GEICO. On average, the provider charges $148 a month — that’s to give full coverage to a 60-year-old with a clean driving record.
The average car insurance rate for St. Petersburg seniors is $329 a month. This is 122% higher than GEICO’s average rate. Progressive and Allstate also offer rates to the city’s seniors that are cheaper than the city average.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $148 |
| State Farm | $208 |
| Progressive | $362 |
| Allstate | $597 |
| Rates are for full-coverage car insurance for a 60-year-old male with a clean driving record. | |
Cheapest car insurance for young drivers: GEICO
To get cheap car insurance for teen drivers, St. Petersburg residents should look to GEICO. The company charges $248 a month for minimum coverage, and $504 a month for full coverage.
In our survey, “teen drivers” were defined as 18-year-olds with clean driving records — that means no accidents, tickets or other incidents.
| Insurance company | Minimum coverage | Full coverage |
|---|---|---|
| GEICO | $248 | $504 |
| State Farm | $371 | $656 |
| Progressive | $591 | $1,156 |
| Allstate | $750 | $2,019 |
| Rates are for an 18-year-old male with a clean driving record. | ||
In St. Petersburg, insurance is much more expensive for teenage drivers. For example, the average cost of a full-coverage policy citywide is $356 a month. For teens, the monthly average is $1,084, or over three times as much.
St. Petersburg car insurance FAQ
Who has the cheapest car insurance in St. Petersburg, Florida?
GEICO has the cheapest car insurance in St. Petersburg, charging an average rate of $93 a month for minimum coverage and $163 a month for full coverage.
GEICO also has the city’s cheapest rates for young and senior drivers. State Farm has the cheapest rates for adults with a speeding ticket or DUI on their records.
What is the average cost of car insurance in St. Petersburg, Florida?
The average cost of minimum-coverage car insurance in St. Petersburg is $204 a month. That’s actually cheaper than the statewide average, which is $219 a month.
For full-coverage car insurance, rates in St. Petersburg are a bit more expensive than the average, costing $356 a month. Across Florida, the mean cost is $347.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every St. Petersburg ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Florida’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
Auto insurance by city
- Jacksonville
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