Saint Petersburg, FL Car Insurance

On average, Saint Petersburg drivers pay around $122 a month for their car insurance. Check out our guide below to find out how much you'll pay.
How do rates in Saint Petersburg measure up compared to neighboring areas, including Florida as a whole? What can Saint Petersburg residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Saint Petersburg?

Area Average Monthly Car Insurance Premium
Saint Petersburg$122
FL$123
United States$81

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.

That being said Saint Petersburg residents should prepare to pay higher rates for coverage than the rest of the country. It's about $41 more expensive for coverage in Saint Petersburg than the average rates for the U.S. as a whole.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

We've done the heavy lifting for you and broken down the average rate for Saint Petersburg so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$311
18-24$179
25-34$119
35-44$115
45-54Not Enough Data
55-64$100
65+$99

The older you are, the more experience you're likely to have on the roads, right? That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Saint Petersburg may see their rates begin to increase again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$118
Female$126

While women typically pay less than men do for auto insurance, Saint Petersburg defies this trend. Female drivers typically pay around $8 more per month for auto insurance than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$151
Multiple Accidents$171
1 Ticket$137
Multiple Tickets$210

Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Saint Petersburg, a driving record with a single accident will usually get you a rate around $151 a month. In addition, drivers with a single ticket on their record can expect to pay around $137 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$118
2-3 Years$124
4-5 Years$96
6-7 Years$123
8-10 Years$125
11-14 Years$126
15 Years or Older$123

In terms of affordable coverage, the cheapest vehicles to insure in Saint Petersburg are typically SUVs, trucks, and vans, at $120 per month.

Car owners, however, pay about $124 per month for car insurance.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. In Saint Petersburg, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$125
Married$114
Divorced$109
Widowed$130

On average, 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 some companies will reward with discounts.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Saint Petersburg as well, where the difference is around $11 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$106
Rent$127
Live with parents$163

Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $21 a month more than homeowners in Saint Petersburg. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Saint Petersburg, FL

Recent trends in car insurance for Saint Petersburg drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

In Saint Petersburg, the rates for car insurance declined from 2017-2019, before rising from 2020-2021. They finished down in 2022 at $101.

How does Saint Petersburg compare to neighboring areas?

Why are car insurance rates in Saint Petersburg different from other areas?

Car insurance companies take in many factors when deciding how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Number of car accidents
  • Regional laws
  • Amount of drivers in the community
  • Regional crime rates
  • Off-street parking access

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Saint Petersburg?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Saint Petersburg.

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Saint Petersburg 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 gender and age, 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?

Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Saint Petersburg?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Saint Petersburg?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Saint Petersburg or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes