State Farm® can help you insure almost anything. Whether its car, boat, home, ATV, or motorhome insurance, weve got you covered. With a Personal Price Plan®, you can get a personalized quote online or over the phone. This will help you keep your insurance costs down. New car insurance customers report savings of over $50 per month . Help protect whats important to you by getting insurance in St. Petersburg, FL today!.
Shopping around for car insurance is important everywhere, but especially in Florida where rates are higher than average. Drivers in St. Petersburg can save hundreds per year by comparing quotes and choosing the right policy. This guide will explain everything you need to know to get great coverage at the lowest price in St. Pete.
Average Cost of Car Insurance in St. Petersburg
According to The Zebra’s rate analysis, the average annual premium in St. Petersburg, FL is:
- $1,532 for minimum liability coverage
- $2,916 for full coverage
Rates can vary dramatically based on your specific risk factors like age, driving record, and type of vehicle. St. Petersburg’s average is on par with other Florida cities but well above the national averages.
What Impacts Car Insurance Costs in St. Petersburg
Just like everywhere else, insurance companies in St. Petersburg will look at these main factors when calculating your premium:
- Driving Record – Tickets, accidents, DUIs cause rates to skyrocket. A clean record saves you money.
- Age – Teen and elderly drivers pay more. Middle-aged drivers get the best rates.
- Gender – Young men pay more than women on average. The gap closes with age.
- Marital Status – Married drivers tend to pay less than single drivers.
- Credit History – Better credit means better rates on most policies.
- Vehicle Type – Insuring a sports car costs more than an economy sedan.
- Mileage – Low mileage drivers save money with usage-based plans.
- Coverage Limits – Higher liability and deductible amounts raise premiums.
- Discounts – Ask about all possible ways to save.
In addition to driver traits, where you live in St. Petersburg impacts premiums too due to risk factors like crime, weather risks, traffic congestion, and accident rates.
How to Compare Car Insurance Quotes in St. Petersburg
Shopping around with multiple companies is the only way to find the best rate on car insurance in St Petersburg, Here are some tips for an effective comparison
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Get quotes from national direct insurers like Geico, Progressive, and Esurance as well as local options and agents
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Compare the same coverage limits and deductibles for an apples-to-apples quote comparison.
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Ask about all available discounts – multi-policy, safe driver, defensive driving, good student, etc.
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Consider usage-based programs to save based on actual driving habits.
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Review company ratings and complaints before choosing a carrier.
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Never reduce critical liability or uninsured motorist coverage just to save money.
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Balance premium cost with customer service reputation and claims satisfaction ratings.
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Check prices every renewal to ensure you still have the best possible rate.
Top Car Insurance Companies in St. Petersburg
Some of the top insurers providing competitive rates in St. Petersburg are:
- State Farm
- Progressive
- Geico
- Allstate
- USAA (for military families)
Be sure to get quotes from national companies along with local agents and insurers that only operate regionally in Florida.
Required Coverages to Drive Legally in Florida
Florida requires all drivers to carry:
- $10,000 Personal Injury Protection
- $10,000 Property Damage Liability
You can forgo Bodily Injury Liability only if you can prove financial responsibility through other means. Otherwise, the state minimums are:
- $10,000 Bodily Injury Liability per person
- $20,000 Bodily Injury Liability per accident
Uninsured Motorist coverage is not mandatory, but highly recommended since almost 1 in 5 Florida drivers are uninsured.
How to Lower Car Insurance Premiums in St. Petersburg
The best way to save money on car insurance in St. Petersburg is to maintain a stellar driving record. But other smart strategies can also cut your premiums:
- Raise deductibles – but only what you can comfortably afford to pay out-of-pocket.
- Ask about discounts – take defensive driving, bundle policies, pay annually, etc.
- Limit mileage for usage-based policies or by listing occasional usage on standard policies.
- Drive safely – obey traffic laws, allow proper following distance, signal turns, avoid distractions.
- Drop comprehensive and collision on older cars worth less than 10 years of premiums.
- Buy a low-risk vehicle – avoid expensive cars, modified cars, cars with high theft rates.
- Improve credit score – better credit can save hundreds per year.
- Scan for rate increases at every renewal and be ready to switch insurers if needed.
The Bottom Line
Following Florida’s coverage requirements, comparing quotes diligently, choosing a top-rated insurer, and driving safely will ensure you find the best value car insurance in St. Petersburg. Shopping carefully for coverage will allow you to protect your assets at the lowest possible cost.
Frequently Asked Questions about Car Insurance in St. Petersburg, FL
How much is car insurance per month on average in St. Petersburg?
The average monthly cost of car insurance in St. Petersburg, FL is about $243 for minimum coverage and $460 for full coverage. However, your personal rates could be higher or lower.
Which company has the cheapest car insurance in St. Petersburg?
Every company uses its own formulas to set rates, so there is no one cheapest insurer. Compare quotes from multiple companies to find the best price for your situation.
Is car insurance more expensive in St. Petersburg than other Florida cities?
St. Petersburg’s average car insurance rates are very similar to other major cities in Florida. Average premiums across the state tend to be higher than national averages.
How much does State Farm charge for car insurance in St. Petersburg?
State Farm does not publish its average rates. As one of the top insurers in Florida, State Farm likely offers competitive pricing in St. Petersburg. But you’ll need to get an actual quote to see potential State Farm premiums for your specific circumstances.
What discounts should I ask about to lower my car insurance in St. Petersburg?
Ask every insurer about discounts like safe driver, defensive driving, good student, multi-policy, anti-theft devices, usage-based programs, and any other ways to save. Taking advantage of discounts can reduce your St. Petersburg premium significantly.
Stay on the Move in St. Petersburg: Insurance for Cars and Motorcycles
Life never stops, especially on the road. State Farm insurance in St. Petersburg, FL could help you stay on the go. Comprehensive, collision, liability, medical payments, and uninsured or underinsured motorist coverage are all important choices for many drivers. Your final coverage needs will depend on a number of things, such as your budget and the type of car you want to insure. State Farm offers many options. We insure many types of vehicles, including high-end sports cars and travel trailers. Like a good neighbor, State Farm is there®. Get a quote to see your St. Petersburg insurance rates today.