Best St. Petersburg, FL Auto Insurance in 2024 (Review the Top 10 Companies Here)
The best St. Petersburg, FL auto insurance providers are State Farm, Geico, and Progressive, offering rates from $80 per month. With competitive pricing, strong service, and reliable coverage. These three companies are the top choices for quality, affordable auto insurance in St. Petersburg, Florida.
Free Auto Insurance Comparison
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Nov 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Leading for the best St. Petersburg, FL auto insurance providers are State Farm, Geico, and Progressive. With rates starting at $80 per month, these companies balance affordability, customer service, and coverage options.
State Farm leads with low rates and reliable service, making it a top choice for drivers. This article covers each provider’s strengths to help you find the right auto insurance coverage options fit for your needs and affordable auto insurance in St. Petersburg.
Our Top 10 Company Picks: Best St. Petersburg, FL Auto Insurance
Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 12% | B | Comprehensive Coverage | State Farm | |
#2 | 18% | A++ | Competitive Rates | Geico | |
#3 | 15% | A+ | Innovative Tools | Progressive | |
#4 | 14% | A+ | Local Support | Allstate | |
#5 | 11% | A | Tailored Policies | Liberty Mutual | |
#6 | 13% | A | Tailored Policies | Farmers | |
#7 | 20% | A++ | Exceptional Service | USAA | |
#8 | 16% | A+ | Unique Options | Nationwide | |
#9 | 9% | A++ | Excellent Discounts | Travelers | |
#10 | 10% | A | Comprehensive Options | American Family |
State Farm stands out for competitive rates and customer satisfaction. Geico offers budget-friendly options, especially for safe drivers. Progressive provides flexible coverage for various needs. Each company offers strong value, helping drivers find the best insurance fit.
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool above to instantly compare prices from various companies near you.
- State Farm, Geico, and Progressive are top auto insurance options in St. Petersburg
- Rates starts at $80/month provide affordable coverage with strong customer service
- State Farm is the top pick for its combination of low rates and reliable service
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Auto Insurance Coverage Requirements in Florida
Discover the auto insurance coverage requirements in Florida and compare monthly rates in St. Petersburg, by provider and coverage level to find the best fit for your needs.
St. Petersburg, FL Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$95 | $230 | |
$91 | $225 | |
$92 | $205 | |
$90 | $210 | |
$88 | $215 | |
$86 | $212 | |
$80 | $200 | |
$85 | $220 | |
$89 | $208 | |
$84 | $198 |
St Petersburg, like all Florida cities, requires the following minimum coverages on all automotive insurance policies:
Requirements for St. Petersburg, Florida
Coverage Type | Minimum Requirement | Most Common Coverage Level |
---|---|---|
Bodily Injury Liability | $10,000 per person / $20,000 per accident | $50,000 per person / $100,000 per accident |
Property Damage Liability | $10,000 per accident | $25,000 per accident |
Personal Injury Protection (PIP) | $10,000 minimum | $10,000 |
Uninsured/Underinsured Motorist | Optional, but often recommended | $25,000 per person / $50,000 per accident |
Collision Coverage | Optional | $500 deductible |
Comprehensive Coverage | Optional | $500 deductible |
Medical Payments (MedPay) | Optional | $5,000 |
Are you still making payments on a new car? Well, it’s important to let your insurance company know up front. Many lenders won’t let you purchase any kind of insurance which doesn’t contain comprehensive and collision coverage.
State Farm is the top choice for auto insurance in St. Petersburg, FL, with affordable rates, reliable coverage, and helpful discounts
Jeffrey Manola Licensed Insurance Agent
Good news for St. Petersburg drivers: on average, motorists who live in your city only pay about $99 per month for car insurance. That’s just below the state average of $153, and well below some of the more populated cities in Florida.
Cheapest Car Insurance in St. Petersburg, Florida
Affordable car insurance in St. Petersburg, Florida, is essential due to local traffic and state requirements. This guide covers top providers, budget-friendly coverage options, and factors that influence rates, helping you find quality insurance without overspending. For a complete rundown, view our guide, “Progressive vs. USAA Auto Insurance Review.”
Major Factors in Cheap Car Insurance in St. Petersburg, Florida
Your car insurance rate depends on several factors, such as your driving record, vehicle type, and location. For more information, see our guide, “Factors that Affect Your Car Insurance Premium.” Although some factors are outside of your control, there are ways to qualify for discounts and reduce your premium.
St. Petersburg, FL Report Card: Auto Insurance Premiums
Category | Grade | Explanation |
---|---|---|
Discounts Availability | A- | There are a variety of discount options, including multi-policy, safe driver, and good student discounts. |
Rate Stability | B | Rates are relatively stable with only occasional increases tied to statewide trends. |
Comprehensive & Collision Rates | B- | Rates for these coverages are moderate but can be higher in areas with higher crime rates. |
Average Premium Cost | C+ | Premiums in St. Petersburg are slightly above the state average, largely due to population density and traffic. |
Liability Coverage Cost | C+ | Liability rates are somewhat high due to traffic and accident frequency in the city. |
Affordability | C | Insurance is moderately affordable, though higher than in less urbanized areas of Florida. |
In St. Petersburg, FL, drivers can access a variety of auto insurance discounts to lower their costs. Leading insurance providers offer savings for safe driving, new customers, bundling policies, and more. This guide covers the top discounts available from the best insurers in the area.
Auto Insurance Discounts From the Top Providers in St. Petersburg, FL
By understanding these factors, you can make informed decisions to manage your insurance costs. Taking steps like maintaining a clean driving record and choosing the right coverage can help you find a better rate.
Your ZIP Code
Where you park your car each night affects your auto insurance rate. Car insurance is usually cheaper in rural areas due to fewer vehicles on the road, reducing collision risk. St. Petersburg has a population of 249,688 and a median household income of $43,894.
Automotive Accidents
Areas with higher accident rates generally have higher insurance premiums. St. Petersburg, however, had relatively low accident statistics, with only 17 fatal accidents in 2013.
St. Petersburg, FL Auto Accident & Insurance Claim Statistics
Factor | Value |
---|---|
Annual Auto Accidents | 9,000 |
Average Claim Cost | 4,200 |
Accident Rate (per 1,000 drivers) | $14 |
Percentage of Accidents with Injuries | 28% |
Uninsured Motorist Rate | 13% |
Claims Filed per 1,000 Drivers | 17 |
Average Time to Settle a Claim | 30 days |
Most Common Claim Type | Collision |
Average Premium Increase After Claim | 18% |
This data suggests that St. Petersburg’s roads are safer compared to regions with higher accident rates, leading to more affordable insurance premiums.
Auto Thefts in St. Petersburg
Finding affordable auto insurance can be tough if your vehicle is at risk for theft, especially popular models, or if you park in large cities. In 2013, St. Petersburg saw 1,124 stolen vehicles, an increase from prior years. If your vehicle is at risk, add comprehensive coverage to your policy, as it’s the only coverage that pays for stolen vehicles.
Your Credit Score
If you have good or excellent credit, you’re in luck. Drivers with higher credit scores will get offered substantially lower St. Petersburg, Florida, auto insurance rates.
Your Age
Your Driving Record
Accidents happen, and mistakes like speeding tickets can affect your insurance. Ask a St. Petersburg, Florida, auto insurer about accident forgiveness to avoid premium increases. Serious violations, like a DUI, can raise rates or cancel your policy.
Your Vehicle
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Minor Factors in Cheap Auto Insurance in St. Petersburg, Florida
When searching for affordable auto insurance in St. Petersburg, Florida, consider factors like your driving history, vehicle type, coverage limits, and location to find the best value. Provides a wide range of coverage options in St. Petersburg, including add-ons like roadside assistance.
Your Marital Status
Sometimes your marital status–whether you are single, married, or divorced–can significantly change your monthly rate. This is especially true for married couples who choose to bundle their insurance policies together. Some couples can save as much as 27% with the right company.
Your Gender
No matter what sort of preconceived notions you may be harboring regarding gender and driving ability, the truth is that most insurance companies don’t know who is better at driving. That’s why some companies charge 2-3% more for males, and some charge less. Other progressive entities charge equal rates regardless of gender.
Your Driving Distance to Work
In St. Petersburg, 81% of residents drive alone to work, with 8% carpooling. The average commute is 23 minutes, shorter than the national average. Your insurance may ask if you drive for work, school, pleasure, or business, and how many miles you drive annually. Only business vehicles usually see a rate increase over 10%.
Your Coverage and Deductibles
Adding lots of coverage options makes sense for a more expensive vehicle. For automobiles of lesser value, however, you can save yourself some money each month by sticking to a more basic insurance policy.
You can also add a few extra benefits to your coverage and keep your monthly rates low by raising your deductible – just make sure you can afford to shell out the cash if the worst happens.
Education in St. Petersburg, Florida
Insurance stats show that more education lowers accident risk. In St. Petersburg, most residents have at least a high school diploma. A lower income or job won’t impact your rate as much as your education level. The city offers top universities, including Stetson University, home to Florida’s oldest law school, making it ideal for students and working adults seeking further education.
When your child goes away to college, there are options to lower your insurance premiums. Here’s how: https://t.co/RaefBSO3Ty#carinsurance pic.twitter.com/9M1Zk15gbP
— State Farm (@StateFarm) October 8, 2024
USF (University of South Florida) has a campus in St. Petersburg, and Eckerd College offers study abroad and work-study programs. While online searches may reveal insurance trade secrets, finding affordable coverage can still be tough. Research thoroughly before choosing a car insurance policy.
Case Studies: Discover the Great St. Petersburg, FL Auto Insurance
This section highlights real-life examples of how drivers in St. Petersburg, Florida, found the best and quality auto insurance coverage with providers like State Farm, Geico, and Progressive. Explore our guide, “Compare Auto Insurance Companies,” to find out more.
Discover the road to peace of mind with the best St. Petersburg, FL auto insurance
Daniel Walker Licensed Insurance Agent
- Case Study #1 – Young Driver with a Clean Record: Sarah, 24, chose Geico for affordable coverage because of discounts for safe driving and a low-cost policy.
- Case Study #2 – A Family Looking for Comprehensive Coverage: The Martinez family picked State Farm for its flexible policies and savings from bundling, making sure all their vehicles were covered.
- Case Study #3 – Experienced Driver Seeking Customizable Options: Mark, who has had accidents before, chooses Progressive for coverage that suits his needs and budget.
These case studies show how top St. Petersburg, Florida, auto insurance providers offer tailored solutions for different drivers. Enter your ZIP code into our free quote tool below to find the best auto insurance providers for your needs and budget.
Frequently Asked Questions
Who offers the best auto insurance in St. Petersburg, Florida?
The best auto insurance in St. Petersburg, FL, is offered by State Farm, Geico, and Progressive. They provide good rates, coverage, and customer service.
How much does auto insurance cost in St. Petersburg, Florida?
Auto insurance in St. Petersburg, FL, starts at $80 per month. Rates depend on factors like your provider, coverage, driving history, car type, and credit score. Enter your ZIP code into our free quote tool below to find the best auto insurance providers for your needs and budget.
What makes State Farm the top choice for auto insurance in St. Petersburg?
The State Farm is highly rated for its affordable rates, reliable customer service, and comprehensive auto insurance coverage options. Making it a top choice for many drivers.
What affects car insurance rates in St. Petersburg, Florida?
Car insurance rates in St. Petersburg depend on driving history, age, car type, coverage choices, and discounts.
How can I lower car insurance costs in St. Petersburg, Florida?
Look for discounts from providers like Geico, such as safe driver discounts and bundling policies, to reduce your premiums while keeping good coverage.
Is Geico a good choice for young drivers?
Yes, Geico is often considered one of the top choices for young drivers due to its reputation for offering budget-friendly rates. Florida auto insurance provides various discounts that make it an appealing option for those who are looking to save on their auto insurance premiums.
Can I customize my Progressive auto insurance?
Yes, Progressive lets you adjust coverage to fit your needs and budget.
What insurance coverage should I get in St. Petersburg, Florida?
In St. Petersburg, Florida, get liability, collision, comprehensive, and uninsured motorist coverage for full protection.
How do I pick the right auto insurance for my needs?
You can compare providers like State Farm, Geico, and Progressive for coverage options and customer satisfaction to find the best fit for your situation. Refer to our guide, “Average Auto Insurance Cost,” for additional details.
Why is State Farm a good choice for families with multiple policies?
The State Farm provides discounts for bundling, making it a budget-friendly option for families with multiple cars. Get the best auto insurance rates possible by entering your ZIP code below into our free comparison tool today.