Best Car Insurance Rates in St. Petersburg, Florida

On average your neighbors pay $98 a month.

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St. Pete is the sunniest place in America. No, really, the city holds the world record for most consecutive days of sunshine, with 768 days. That’s not a one-time thing--they average 361 days per year of sunshine, hence their motto “Always in Season.” St. Petersburg, Florida residents deserve car insurance rates as good as the weather.

Average St. Petersburg Car Insurance Rates

How much is car insurance in St. Petersburg, FL? Even though drivers here are safer than most, average rates in St. Petersburg are still well above both the state and national average. The average cost of auto insurance in Florida is $1,176 per year. The national average price is $889.01.

Prices may vary depending on your driving history and the total number of insurance claims filed in your zip code.

Florida Average Annual Car Insurance Rates
Coverage Rates
Liability $857.64
Collision $282.96
Comprehensive $116.53
Total Cost Per Year $1,185.25
Price Per Month $98.77
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Florida's insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Florida car insurance rates increased from $1,090 in 2011 to $1,140 in 2015, a jump of $94, or 8.68 percent.

Florida average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near St Petersburg, Florida and save up to 40% on your premium.

Last year, 8,365 people used QuoteWizard to compare auto insurance quotes in St. Petersburg, FL from multiple companies and get the cheapest rates.

Best Car Insurance Companies in St. Petersburg, FL

This is our list of the most common car insurance companies reported by QuoteWizard users living in St. Petersburg, Florida last year last year.

Other popular St. Petersburg, Florida car insurance companies: Farmers, AAA, Hartford, MetLife, Safeco, 21st Century, Travelers, and American Family.

Top 10 Vehicles

These are the most common car makes and models owned by St. Petersburg, FL drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Ford Mustang
  4. Ford Ranger
  5. Toyota Camry LE/XLE/SE
  6. Hyundai Sonata GLS
  7. Jeep Grand Cherokee Laredo
  8. Ford Mustang
  9. Ford Explorer
  10. Chevrolet Malibu

Minimum Car Insurance Requirements in St. Petersburg, FL

St. Petersburg, Florida has a minimum coverage requirement known as the 10/20/10 rule. This means each policy must include at least the following three components:

  • Property Damage Liability (PDL): $10,000.
    The maximum your insurance company will pay for property damage caused by a car accident.
  • Personal Injury Protection (PIP): $10,000.
    Also called Florida No Fault Insurance. The most your insurer will pay for injuries sustained in a car accident regardless of who is at fault.

St. Petersburg Drivers

St. Petersburg, Florida drivers should be proud According to a recent report published by Allstate Insurance when it comes to safe driving, St. Petersburg drivers are better than most. St. Petersburg ranked 37th out of 200 cities. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 10.2 years, slightly better than the national average.

Driving Conditions

These are some of the driving conditions affecting your insurance rates.


The weather in St. Petersburg, FL is described as being humid subtropical. This means that the summers are hot and humid with frequent thunderstorms. Winters are usually mild but cold fronts move down from the north bringing freezing temperatures to the area. Precipitation averages 45.8 inches a year with most rain falling during the summer between June and September.

Road Conditions

Mild St. Petersburg winters are a major reason the roads here are in better shape than many other US cities. St. Petersburg streets are not subjected to the cold winter conditions that helps create potholes and cracked pavement. According to a recent study by TRIP, only 16 percent of major St. Petersburg streets are in poor condition and 22 percent are mediocre. While most streets here are in good condition, many could be better. Driving on poorly maintained roads is in part responsible for the $424 a year St. Petersburg drivers pay for extra vehicle operating costs.

Traffic Congestion

TomTom's annual traffic index report has ranked the St. Petersburg-Tampa metropolitan area as having the 15th worst traffic congestion in the United States. The average commuter spends an additional 27 minutes per hour stuck in traffic during peak commute times and 102 hours a year for commutes of 30 minutes.

Moving Violations

Moving violations like following too close, speeding tickets, accidents, and drunk driving will give you a bad driving record and raise your insurance rates.

Traffic Tickets

The Pinellas County Clerk of the Circuit Court website allows you to pay traffic citations. You can also sign up for a driving course or defensive driving course, pay parking tickets, and contest tickets. It also provides helpful traffic court information.

SR-22 or FR-44 DUI Insurance

A DUI conviction may require you to obtain an SR-22 or FR-44 form. Request a quote and we'll will connect you with local agents from top companies that specialize in St. Petersburg DUI insurance.

Car Accident Statistics

St. Petersburg reported 5,153 motor vehicle crashes in 2016 , resulting in 3,197 injuries. This was a slight decrease from the 5,264 accidents reported in 2015.

Traffic Fatalities

St. Petersburg reported 31 deaths in motor vehicle crashes in 2016. This was slightly worse than the 26 crash fatalities reported in 2015. All traffic deaths are a tragic loss, and with St. Petersburg’s estimated population of 260,999, this is a safe US city in terms of traffic fatalities.

Vehicle Theft Rates

St. Petersburg Police reported vehicle thefts in 2016. This is a rate of 5.94 thefts per 1,000 residents.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. These are some of the many auto insurance discounts available to St. Petersburg, FL drivers.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 20% off your premium
  2. If you're 55 or over you could qualify for the senior discount or the 55 and retired discount
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  5. Get a new car with anti-lock brakes or electronic stability control or other advanced safety features
  6. Are you married or getting married soon? Some insurers offer a discount to married couples

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