St. Petersburg, FL

In the market for cheap auto insurance in St. Petersburg FL? At, you could find the best insurance rates in your area. To get free quotes from the major providers today, type your zip code into the quote box on this page.

Affectionately referred to as “St. Pete” by locals, St. Petersburg is a thriving hot sport for tourism, sports, manufacturing, and health care. 75% of the city is bordered by beaches, and the consistently sunny weather attracts tourists and snow birds alike. The nearby Tropicana Field hosts the Devil Rays, making it a good city for baseball fans.

  • Fun Fact: did you know that St. Petersburg is #25 on the list of “Top 101 cities with largest percentage of females in occupations: Preschool, kindergarten, elementary and middle school teachers (population 50,000+)”? Learn more about St. Petersburg, FL.

Average St. Petersburg Car Insurance Quotes – Cheapest Rates Guaranteed!

Car insurance in St. Petersburg FL costs around $1,630 on average. This is 16% below the average Florida rate, and less than 1% cheaper than the average rate in Pinellas County.

Auto insurance carriers evaluate numerous factors when determining insurance quotes, including marital status, Type of vehicle owned, education, and current insurance coverage and limits. Also keep in mind that premiums differ from company to company. To make sure you’re still paying the cheapest rate, compare auto insurance in Florida online.

St. Petersburg Car Insurance Factors

There are several ways in which your car insurance rate can be calculated. But not all of it is out of your control; there are things you can do in order to influence what discounts you are eligible to receive. Listed below are some of these factors in greater detail:

  • Your Zip Code

Where you park your car each night will have a major impact on your auto insurance rate. Generally, car insurance is cheaper in rural areas because fewer cars on the road mean a smaller chance that you will get into a collision with another vehicle. The population of St. Petersburg is 244,324 with a median household income of $41,210.

  • Auto Thefts

Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities. The total number of stolen vehicles in 2010 was 1,236 for the city of St. Petersburg.

  • Driving Distance to Work

The overwhelming majority of workers in St. Petersburg commute to work in their own car instead of carpooling or using public transportation. The average commute is somewhere between 15-20 minutes.

  • Education

The more education you’ve had, the less likely you are to get into an accident according to insurance company statistics. For the city of St. Petersburg, most residents have at least a high school diploma or some equivalent.

St. Petersburg has a number of prestigious universities to offer its residents, whether you’re moving there for college or you’re a working adult looking to go back to school. Stetson University is home to Florida’s oldest law school. USF (the University of South Florida) also maintains a campus in St. Petersburg. Meanwhile Eckerd College, a private institution, is available for students who are interested in studying abroad or work-study programs.

Unfortunately for most insurance companies, a simple internet search can reveal many of their trade secrets. But even with the proper information, it can still be difficult for you as an individual to figure out your risk profile and find low-cost insurance. Make sure you do your due diligence before you commit to your next car insurance policy.

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Learn more about St. Petersburg, FL.