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How much is car insurance in Saint Petersburg?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price is about the same in Saint Petersburg as it is in the rest of Florida.
Residents of Saint Petersburg might expect to pay higher rates for coverage than the rest of the country. It's about $43 more expensive than the national average to insure your vehicle in Saint Petersburg.
While these are the average car insurance rates for Saint Petersburg, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Saint Petersburg residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Saint Petersburg Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experience you're likely to have on the roads, right? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Saint Petersburg may see their rates creep back up once they hit retirement.
Saint Petersburg Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Saint Petersburg goes against the grain. Female drivers typically pay around $8 more a month for car insurance coverage than their male counterparts.
Saint Petersburg Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Saint Petersburg, having a single accident on your record will usually get you rates around $153 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $137.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Saint Petersburg Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$120|
|15 Years or Older||$123|
According to the first table above, SUVs, trucks, and vans are typically the cheapest vehicles to insure in Saint Petersburg, with drivers paying around $121 per month for insurance.
The bill for car owners, on the other hand, is closer to $124 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Saint Petersburg, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Saint Petersburg Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$125|
Generally speaking, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Saint Petersburg follows that pattern, with the difference totaling to around $10 a month.
Saint Petersburg Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$163|
Your living accommodations is another factor that affects your monthly rate. Those who own their own home in Saint Petersburg can expect to pay around $20 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Saint Petersburg, FL
Recent trends in car insurance for Saint Petersburg drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
The rates for car insurance in Saint Petersburg declined from 2017-2019, when they reached a low of $111. This leveled out in 2020, when they began to increase again. Rates finished down in 2022, at $118 a month
How does Saint Petersburg compare to neighboring areas?
Why are car insurance rates in Saint Petersburg different from other areas?
There are a lot of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Many factors affecting your policy are based around where you call home. These factors include things like:
- Community laws
- Area crime rates
- Total number of drivers in the area
- Availability of off-street parking
- Road safety
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Saint Petersburg?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in Saint Petersburg.
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Saint Petersburg Auto Insurance FAQs
What factors affect car insurance quotes in Saint Petersburg?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Saint Petersburg different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Saint Petersburg?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Saint Petersburg?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Saint Petersburg or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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