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Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
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Progressive offers St. Petersburg’s lowest average rates, at $99 per month.
St. Petersburg drivers pay average car insurance rates of $141 per month for liability insurance and $217 for full coverage.
Farmers, GEICO, and Root are a few of the best car insurance companies in St. Petersburg.
Your car insurance costs in St. Petersburg, Florida, will vary based on your age, driving record, credit history, and coverage level.[1]
Auto insurers often increase rates if you have proof of risky driving behavior, such as tickets, accidents, or DUIs. For example, if you have a history of car accidents, you’ll likely pay higher insurance costs.
That makes it important to compare average rates for drivers with a similar profile to yours when you’re shopping for coverage.
Below, you can find the cheapest insurer for various driver types and coverage levels, according to Compare.com data.
Driver or Coverage Type  | Cheapest Insurer |
|---|---|
| State-minimum coverage | Progressive |
| Full coverage | State Farm |
| Teen drivers | Progressive |
| Senior drivers | Progressive |
| Drivers with a recent incident | Progressive |
| Drivers with a speeding ticket | Progressive |
| Drivers with an at-fault accident | Progressive |
| Drivers with a DUI | Progressive |
| Drivers with excellent credit | Progressive |
| Drivers with poor credit | Progressive |
Compare personalized quotes from St. Petersburg’s top insurers.
Despite St. Petersburg’s average rates, several insurers offer more affordable coverage. The table below shows the five cheapest car insurance companies in St. Pete, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $99 |
| Mile Auto | $106 |
| Clearcover | $107 |
| State Farm | $108 |
| GEICO | $123 |
| Dairyland | $125 |
| Embark | $135 |
| Infinity | $139 |
| Direct Auto | $151 |
| Mercury | $151 |
| GAINSCO | $154 |
| The General | $164 |
| Bristol West | $175 |
| Root | $181 |
| National General | $187 |
| Allstate | $188 |
| AssuranceAmerica | $191 |
| Travelers | $224 |
| Mendota | $283 |
| First Acceptance | $296 |
| Liberty Mutual | $298 |
Progressive has the lowest premiums in St. Petersburg, averaging $99 per month. Next, we’ll explore the cheapest insurers across different demographics.
Category | Price |
|---|---|
| $77 | 3.9% |
| $96 | 5.3% |
| $115 | 7.0% |
| $133 | 7.9% |
| $152 | 7.9% |
| $171 | 8.4% |
| $189 | 8.0% |
| $208 | 7.1% |
| $227 | 6.8% |
| $245 | 6.1% |
| $264 | 5.2% |
| $283 | 4.8% |
| $301 | 4.0% |
| $320 | 3.7% |
| $339 | 3.3% |
| $357 | 2.7% |
| $376 | 2.5% |
| $395 | 2.1% |
| $413 | 1.8% |
| $432 | 1.6% |
The coverage levels you choose shape how much you pay for car insurance. Basic liability insurance, which covers injuries and damage you cause to others, is the cheapest option and meets the state’s minimum coverage requirements.[2] On average, St. Petersburg drivers pay $141 per month for liability coverage, according to Compare.com data.
Below, we highlight five companies offering the cheapest liability insurance in St. Petersburg, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $99 |
| Mile Auto | $106 |
| Clearcover | $107 |
| State Farm | $108 |
| GEICO | $123 |
| Dairyland | $125 |
| Embark | $135 |
| Infinity | $139 |
| Direct Auto | $151 |
| Mercury | $151 |
| GAINSCO | $154 |
| The General | $164 |
| Bristol West | $175 |
| Root | $181 |
| National General | $187 |
| Allstate | $188 |
| AssuranceAmerica | $191 |
| Travelers | $224 |
| Mendota | $283 |
| First Acceptance | $296 |
| Liberty Mutual | $298 |
Nearly every state, including Florida, requires you to have car insurance to drive legally. That said, Florida’s requirements are a bit different from those in other states, as the state is one of the few that operate under a no-fault system.
Here’s the minimum coverage you need to meet Florida car insurance laws:
Personal injury protection (PIP): $10,000
Property damage liability (PDL): $10,000
Bodily injury liability isn’t a strict requirement in Florida — unless you cause a crash that injures another driver. Then, the rules change, and you’ll need to add bodily injury liability coverage of $10,000 per person ($20,000 per crash).[3] So don’t risk it, especially when most insurance experts suggest getting more than the minimum limits from the start.
If you have a newer car or an auto loan, you might want to consider full coverage. Let’s look at your options next.
Full-coverage car insurance adds comprehensive and collision coverage to protect your car from theft, weather damage, and accidents — making it pricier than basic liability.[4] State law doesn’t require you to purchase full coverage, but lenders typically call for it if you finance or lease your vehicle.
On average, St. Petersburg drivers pay $217 per month for full-coverage insurance. The chart below highlights the top five companies with competitive full-coverage rates in St. Pete, according to our data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $151 |
| Progressive | $166 |
| Mile Auto | $170 |
| Mercury | $199 |
| GEICO | $214 |
| National General | $215 |
| Direct Auto | $224 |
| Clearcover | $225 |
| Bristol West | $244 |
| Infinity | $257 |
| Allstate | $264 |
| The General | $265 |
| Embark | $288 |
| Root | $290 |
| AssuranceAmerica | $298 |
| Travelers | $314 |
| GAINSCO | $316 |
| Liberty Mutual | $329 |
| Dairyland | $352 |
| First Acceptance | $382 |
| Mendota | $382 |
Factors beyond coverage levels will affect your rates. Next, we’ll focus on how age and driving record influence premiums.
With more than 31,000 young drivers cruising around Pinellas County, finding affordable coverage for teens is a hot topic for local families.[5] Car accidents are one of the top causes of death for teens, according to the Insurance Institute for Highway Safety (IIHS), and insurers charge more to offset the higher risk.[6]
Teen drivers face the steepest rates — $306 per month in St. Pete, according to our data. But Progressive has more budget-friendly rates, at $169.
The chart below shows five of the cheapest insurance companies for teens in St. Petersburg, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $169 |
| Clearcover | $170 |
| State Farm | $204 |
| Dairyland | $211 |
| Mile Auto | $213 |
| GEICO | $216 |
| Embark | $230 |
| Infinity | $233 |
| GAINSCO | $268 |
| Mercury | $268 |
| Direct Auto | $285 |
| The General | $286 |
| Bristol West | $301 |
| Root | $305 |
| Allstate | $362 |
| National General | $364 |
| AssuranceAmerica | $384 |
| Travelers | $455 |
| Mendota | $483 |
| First Acceptance | $505 |
| Liberty Mutual | $507 |
Rates in St. Petersburg start at $99 per month.
Good news for Pinellas County’s nearly 300,000 senior drivers: Your years of experience behind the wheel pay off when it comes to car insurance premiums.[5] The break in rates is because seniors tend to drive less, avoid rush hour, and have years of driving wisdom under their belts, which insurers love to see.[7]
Senior drivers in St. Pete enjoy lower rates, paying around $161 per month, according to our analysis. Progressive has the best deal for seniors, at a monthly premium of $89.
Below, you can see average monthly quotes for seniors from five of the cheapest St. Petersburg insurance companies, based on our data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $86 |
| State Farm | $87 |
| Progressive | $89 |
| Clearcover | $97 |
| GEICO | $100 |
| Infinity | $103 |
| Dairyland | $109 |
| Embark | $122 |
| Mercury | $123 |
| Direct Auto | $127 |
| GAINSCO | $135 |
| The General | $143 |
| Bristol West | $149 |
| National General | $151 |
| AssuranceAmerica | $153 |
| Root | $155 |
| Allstate | $156 |
| Travelers | $183 |
| Liberty Mutual | $254 |
| Mendota | $255 |
| First Acceptance | $267 |
Your driving record tells insurers a lot about how you handle St. Pete’s tourist-packed streets — even a single ticket could bump up your rates. On the flip side, a clean driving record will get you the best rates in town.
To understand how driving mishaps affect your wallet, here’s a table that shows how much St. Pete drivers pay based on different infractions and which companies offer the best rates after a slipup, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $116 |
| Mile Auto | $125 |
| Clearcover | $132 |
| State Farm | $133 |
| Dairyland | $151 |
| GEICO | $156 |
| Embark | $158 |
| Infinity | $171 |
| GAINSCO | $178 |
| Direct Auto | $184 |
| Mercury | $203 |
| The General | $213 |
| Bristol West | $214 |
| National General | $226 |
| Root | $234 |
| AssuranceAmerica | $235 |
| Allstate | $237 |
| Travelers | $282 |
| Mendota | $331 |
| First Acceptance | $346 |
| Liberty Mutual | $367 |
Company | Average Monthly Premium |
|---|---|
| Progressive | $126 |
| Mile Auto | $141 |
| State Farm | $141 |
| Clearcover | $151 |
| GEICO | $159 |
| Dairyland | $162 |
| Embark | $172 |
| Infinity | $182 |
| GAINSCO | $194 |
| Direct Auto | $202 |
| The General | $222 |
| Mercury | $223 |
| Bristol West | $227 |
| Root | $239 |
| National General | $245 |
| Allstate | $248 |
| AssuranceAmerica | $249 |
| Travelers | $297 |
| Mendota | $361 |
| First Acceptance | $377 |
| Liberty Mutual | $389 |
Company | Average Monthly Premium |
|---|---|
| Progressive | $129 |
| Mile Auto | $145 |
| Clearcover | $147 |
| State Farm | $148 |
| GEICO | $167 |
| Dairyland | $171 |
| Embark | $176 |
| Infinity | $191 |
| Direct Auto | $207 |
| GAINSCO | $211 |
| The General | $217 |
| Mercury | $220 |
| Bristol West | $240 |
| Root | $251 |
| National General | $256 |
| Allstate | $258 |
| AssuranceAmerica | $262 |
| Travelers | $307 |
| Mendota | $369 |
| First Acceptance | $386 |
| Liberty Mutual | $408 |
Florida allows insurance companies to consider your credit history when determining premiums.[8] Your credit history can affect your car insurance costs, as some insurers consider your financial management as a factor that indicates your likelihood of filing claims.
The average monthly cost of car insurance in St. Petersburg is $164 for drivers with excellent credit and $224 for drivers with poor credit.
That said, not all insurers use credit history, and some insurers will offer affordable rates, regardless of your credit history.
Below, you’ll find the cheapest auto insurers in St. Petersburg for drivers with excellent and poor credit histories, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $124 |
| Mile Auto | $131 |
| Clearcover | $132 |
| GEICO | $151 |
| Dairyland | $154 |
| State Farm | $156 |
| Embark | $169 |
| Infinity | $171 |
| Mercury | $185 |
| Direct Auto | $186 |
| GAINSCO | $190 |
| The General | $202 |
| Bristol West | $215 |
| Root | $223 |
| National General | $230 |
| Allstate | $231 |
| AssuranceAmerica | $235 |
| Travelers | $276 |
| Mendota | $354 |
| Liberty Mutual | $357 |
| First Acceptance | $370 |
Company | Average Monthly Premium |
|---|---|
| Progressive | $91 |
| Mile Auto | $92 |
| State Farm | $92 |
| Clearcover | $99 |
| GEICO | $104 |
| Dairyland | $112 |
| Infinity | $122 |
| Embark | $124 |
| Mercury | $132 |
| Direct Auto | $136 |
| GAINSCO | $138 |
| The General | $147 |
| Bristol West | $159 |
| Root | $165 |
| Allstate | $167 |
| National General | $169 |
| AssuranceAmerica | $171 |
| Travelers | $199 |
| Liberty Mutual | $249 |
| Mendota | $260 |
| First Acceptance | $272 |
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Living in a city where bridges, beach traffic, and afternoon thunderstorms are part of daily life means smart insurance shopping really matters. St. Pete’s rates are expensive, but you have plenty of options to keep your premiums in check. Here’s what works:
Bundle your policies. Combine your auto policy with your home or renters insurance to qualify for discounts.
Mind your mileage. If you work from home or take local routes, consider a usage-based insurance policy.
Keep your credit healthy. Florida insurers can use your credit history to set rates, so staying on top of your credit helps.
Practice safe driving. A clean driving record is one of the easiest ways to lower your premiums. A safe driver discount can shave as much as 30% off your car insurance.
Think before filing small claims. For minor dings, it might be cheaper to pay out of pocket (even small claims can raise your premium).
Shop around. Every insurer calculates rates differently, so comparing quotes is your best bet for finding a deal that fits.
As much as we’d like to offer you a one-and-done solution to cheap car insurance, it isn’t that easy. The best car insurance company for a beach-side retiree might not work for a commuter. Instead of chasing the lowest advertised rate, it’s best to shop around to find the best company for your needs.
Here are three solid options for various demographics to kick off your search.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $108/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $216/mo |
Farmers Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 4.0 | 2.9 |
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Though not necessarily the cheapest company, Farmers offers the most discounts among Florida’s 10 largest car insurance companies — the insurer lists 19 different ways to save on its website. You’ll find discounts big and small to knock down your rate, from using their Signal app to going paperless. Farmers even rewards you for owning a home, whether or not you bundle your homeowners insurance with your auto policy.
Lots of discounts
Rock-solid financial strength
Around-the-clock claims support
Scores low for customer satisfaction
Few local agents
Premiums not the cheapest
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $123/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $214/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO has commuters covered, whether you’re crossing the Howard Frankland or navigating tourist traffic on Gulf Boulevard. It offers mechanical breakdown coverage that works like an extended warranty so unexpected repairs don’t sideline your commute.
Plus, accident forgiveness is free after you’ve been accident-free for five years, or you can purchase it up front to benefit immediately.
Accident forgiveness available
Local agents for personalized support
Quick digital claims process
Accident forgiveness is one-time only
Gap insurance not available
Below-average customer service
| User Reviews | 3.4 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $181/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $290/mo |
Root Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.1 | 3.2 |
| Customer service | 3.3 | 3.6 |
| Discounts | 3.1 | 2.9 |
| Policy transparency | 3.3 | 3.1 |
| Value | 2.9 | 2.9 |
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
Root flips traditional car insurance on its head by basing rates primarily on your actual driving. The catch is that you’ll need to complete a three-week test-drive through the company’s app before getting a quote. But for young drivers in St. Pete stuck with high rates despite clean records, Root’s behavior-based pricing could mean serious savings.
Focuses on safe driving, not just age
Roadside assistance comes with every policy
Easy to use mobile app to manage your policy
Requires a test-drive to get a quote
Changes in driving habits can drive up the price
May deny coverage depending on driving behavior
Compare personalized quotes from the cheapest insurers in St. Petersburg.
If you have questions about car insurance in St. Petersburg, we’ve got answers. Here’s what St. Pete drivers ask most often, from how to find the cheapest rates to what happens if you drive without insurance.
St. Pete drivers pay around $179 per month on average. Basic liability coverage will cost you about $141 per month, while full coverage clocks in at a higher monthly rate of $217, according to our data.
Progressive has the cheapest average rates in St. Pete, averaging $99 per month, according to our research. Keep in mind your actual cost depends on factors like your driving record and age.
The best car insurance company will depend on where you live in St. Petersburg, your driving record, coverage needs, and more. That said, we’ve selected Farmers, GEICO, and Root as three of the best auto insurers in the city. It’s a good idea to compare quotes from several insurers when shopping around for coverage.
Car insurance in St. Petersburg can be expensive, due to the city’s coastal location in a state with frequent hurricane risks and severe weather. That said, comparing quotes from a few insurers can help you find affordable coverage.
You may want to consider purchasing more than Florida’s state-minimum coverage, which only includes personal injury protection, property damage liability, and bodily injury liability. Liability insurance doesn’t cover damage to your own vehicle in the event of a car accident or damage from severe weather. For that, you would need collision and comprehensive insurance.
On average, liability insurance costs Florida drivers $99 per month from Progressive and $120 from GEICO. The average monthly cost for full-coverage insurance is $154 from Progressive and $154 from GEICO.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
