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The cost of minimum-coverage car insurance in Saint Petersburg, Fla., is approximately 147% higher than the national average, so it can be a pretty good idea to compare car insurance costs and discount opportunities between multiple companies.
MarketWatch’s guide team has ranked the most productive auto insurance companies based on cost-adding factors. This article will cover the companies with the most affordable costs in St. Petersburg, based on other driving profiles.
Key things to remember:
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We feature State Farm, Geico, Travelers, AIG, and National General as the most productive auto insurance policies in St. Petersburg. These corporations offer lower rates than the average rates for a minimum and comprehensive municipal policy. They are also well known for their proper visitor and their reliable policy.
Keep reading: Cheap car insurance
Unless otherwise noted, the following fee tables show average rates for the driving profile of a 35-year-old married driver with smart credits and a clean driving record.
Our data shows that minimum policy insurance in St. Petersburg costs an average of $129 per month, or $1,541 per year. That’s about 147% more than the national average of $52 per month or $625 per year. Similarly, comprehensive insurance costs $300 per month or $3,599 per year on average, which is about 80% more than the national average of $167 per month or $2,008 per year for a comprehensive policy.
State Farm offers the cheapest liability insurance with average rates of $63 per month or $754 per year. Geico is the second-cheapest option in St. Petersburg with average rates of $81 per month or $967 per year.
The liability policy is the minimum policy required in the state of Florida. Under Florida law, all drivers will be required to meet or exceed the following minimum requirements:
A full-policy car insurance policy can be expensive in St. Petersburg. The comprehensive policy includes liability, as well as comprehensive and collision insurance, which prevents damage to your vehicle in a variety of situations. State Farm is the most affordable comprehensive policy option with an average rate of $172 per month or $2,058 per year.
The amount you pay for car insurance will depend on many factors about your driving profile. In the state of Florida, this may depend only on your age, where you live, your credit history, the number of injuries you have had, and any traffic violations. committed in recent years.
In this section, we’ll discuss the average and cheapest car insurance prices in St. Petersburg for drivers of other ages, credit scores, zip codes, and driving records.
Car insurance rates are higher for teens because they are more likely to cause a twist of fate or break traffic laws. Our data shows that 16-year-olds pay about $472 per month or $5,667 per year for car insurance in St. Petersburg. Petersburg.
As drivers age, the cost of car insurance decreases. This trend begins in their twenties and continues as they reach middle age. Below is the average minimum cost of car insurance in St. Petersburg for other age groups.
Youth car insurance is expensive, but some providers are more expensive than others. Our data shows that State Farm is the cheapest auto insurance company for young drivers with minimum policy rates as low as $219 per month or $2,629 per year. Geico, National General and Travelers also offer bonuses for young people in St. Petersburg.
Auto insurance companies in many states, including Florida, can calculate your premium using your credit score. If you’re over the age of 25 and have a history of smart driving and smart credits, you can expect to pay affordable car insurance premiums. .
However, if you have bad credit, regardless of how old you are or how good your driving history is, you’ll likely end up paying higher-than-desired rates.
Our knowledge of rates shows that AIG is the cheapest option when it comes to car insurance for bad credit in St. Petersburg. The company offers minimum policies for drivers with bad credit for rates of $116 per month or $1,390 per year. That’s 12% more than the overall state average for the minimum credit policy.
If you have received speeding tickets, been in accidents, or gotten any DUI convictions, your car insurance premiums will definitely skyrocket. On average, speeding can increase your rates by 58%, an at-fault accident by 83%, and a DUI by 69%.
But the amount of accrual in your car insurance premiums will vary from company to company. According to our research, if you have violations on your driving record, State Farm is the best insurance provider you can choose from – the company has the most productive chance of locating policy at a competitive price.
The table below shows the average fees through companies for drivers with a rush ticket, a twist of fate, or a DUI on their record.
Keep reading: Insurance Rates for High-Risk Drivers
Based on our data, State Farm offers the most reasonable fares to drivers who have a registered high-speed ticket: $69 per month or $825 per year. Travelers stick very closely to an average rate per month of $112, while Geico, AIG, and National General list the top five reasonable car insurance features for urgent vehicles in St. Petersburg, Florida.
Accidents can cause some of the biggest increases in auto insurance rates, even more than rush tickets. State Farm and Geico are the cheapest features here with average rates of around $75 per month and $121 per month, respectively. that some auto insurance companies charge much higher rates for the policy after an accident.
Driving under the influence of drugs and alcohol is a serious traffic violation, which can lead to very high car insurance rates, adding many extra dollars to your annual premium.
State Farm is very affordable compared to other companies — with average rates of $69 per month or $825 per year for drivers with a DUI. AIG, National General and Travelers are also good options with rates under $139 per month on average.
Claims for car theft, auto vandalism and car crashes will vary across different areas of St. Petersburg, which means that certain areas are more risky to own and drive a car in than others. If you live in a ZIP code with higher rates of auto-related insurance claims, you’re a higher risk for companies to insure, so you may pay a higher premium than drivers that live in those less-risky areas.
Below you can see that some St. Petersburg zip codes are possibly up to 2. 2% less expensive or 1. 0% more expensive than the city average.
Although car insurance rates in St. Petersburg are particularly higher than the average for the state of Florida and the rest of the country, there are still reasonable car insurance features for St. Petersburg drivers.
State Farm offers the maximum minimum policy in the city, with an average charge of about $63 per month. The same company also offers the competitive maximum comprehensive policy charges, charging $172 per month.
Compare single quotes to find the company that meets your Florida auto insurance needs at the price. You can get auto insurance quotes online or through insurance agents.
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Here are some questions about the cheapest car insurance in St. Petersburg. Petersburg, Florida:
Our data shows that a minimum policy auto insurance policy in St. Petersburg, Florida costs $128 per month or $1,541 per year on average. If you need a comprehensive policy, pay an average of $300 per month or $3,599 per year.
Full-coverage car insurance in St. Petersburg, Fla., is about 80% more expensive than the national average while minimum-coverage insurance is 147% more expensive than the national average.
*Cost knowledge comes from Quadrant Information Services and is accurate at the time of publication.
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