Best St. Petersburg, FL Auto Insurance in 2024 (Review the Top 10 Companies Here)

Leading for the best St. Petersburg, FL auto insurance providers are State Farm, Geico, and Progressive. With rates starting at $80 per month, these companies balance affordability, customer service, and coverage options.

State Farm leads with low rates and reliable service, making it a top choice for drivers. This article covers each provider’s strengths to help you find the right auto insurance coverage options fit for your needs and affordable auto insurance in St. Petersburg.

Our Top 10 Company Picks: Best St. Petersburg, FL Auto Insurance

State Farm stands out for competitive rates and customer satisfaction. Geico offers budget-friendly options, especially for safe drivers. Progressive provides flexible coverage for various needs. Each company offers strong value, helping drivers find the best insurance fit.

To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.

#1 – State Farm: Top Overall Pick

Pros

• Comprehensive Coverage: State Farm offers a wide range of coverage options in St. Petersburg, Florida, great for drivers who want full protection.
• Low Monthly Rates: State Farm’s minimum coverage starts at $85 per month in St. Petersburg, making it an affordable choice. Get all the details in our guide, “State Farm Auto Insurance Review.”
• Bundling Policies: State Farm gives discounts for bundling multiple policies, helping St. Petersburg drivers save more on car insurance.

Cons

• Limited Multi-Policy Discount: State Farm’s discount for having multiple policies might be smaller than what some other companies offer in St. Petersburg, Florida.
• Premium Costs: Some coverage options with State Farm could still have higher premiums, which may not be ideal for drivers in St. Petersburg who want to save money.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#2 – Geico: Best for Competitive Rates

Pros

• Low Rates: Geico’s rates are affordable in St. Petersburg, with basic coverage starting at around $90.
• High Rating: Geico has an A++ rating, showing it’s reliable and trustworthy. Visit our guide, “Geico Auto Insurance Review,” for more information.
• Bundling Discount: Geico gives up to 18% off for bundling policies, one of the best discounts available in St. Petersburg.

Cons

• Limited Options: Geico’s insurance options aren’t as flexible as some other companies.
• Customer Service Varies: While usually reliable, some drivers in St. Petersburg report mixed experiences with Geico’s customer service.

#3 – Progressive: Best for Innovative Tools

Pros

• Safe Driving Discounts: Snapshot offers discounts for safe driving in St. Petersburg.
• Customizable Coverage: Choose coverage that fits your needs. Check our guide, “Progressive Auto Insurance Review,” for more info.
• Bundling Discount: Save 15% when you bundle policies in St. Petersburg.

Cons

• Higher Rates for Some: Higher premiums for drivers with poor records or certain cars.
• Complicated Claims: Some drivers find the claims process more difficult than with other insurers.

#4 – Allstate: Best for Local Support

Pros

• Local Support: Allstate has great support in St. Petersburg, Florida, with agents who know the area well. You can read more in our guide, “Allstate Auto Insurance Review.”
• A+ Rating: Allstate has an A+ rating from A.M. Best, making it a trustworthy choice for drivers in St. Petersburg.
• 14% Bundling Discount: Allstate offers a 14% discount for drivers in St. Petersburg who combine auto and home insurance.

Cons

• Higher Premiums: Some people in St. Petersburg might pay more for Allstate insurance than other companies.
• Limited Discounts: Allstate gives fewer discounts to certain drivers in St. Petersburg, like young or high-risk drivers.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#5 – Liberty Mutual: Best for Tailored Policies

Pros

• Tailored Policies: Liberty Mutual gives St. Petersburg drivers flexible plans that can be adjusted to fit their needs, giving them good coverage.
• A Rating: Liberty Mutual has an A rating from A.M. Best, meaning it provides trustworthy coverage for people in St. Petersburg. You can read more in our “Liberty Mutual Auto Insurance Review” guide.
• 11% Bundling Discount: St. Petersburg drivers can save 11% when they bundle their car and home insurance with Liberty Mutual.

Cons

• Higher Costs: Liberty Mutual’s insurance might be more expensive for some drivers in St. Petersburg, especially if they’ve had small accidents.
• Fewer Local Agents: Liberty Mutual has good customer service, but there might not be many local agents in St. Petersburg to help in person.

#6 – Farmers: Best for Tailored Policies

Pros

• Flexible Policies: Farmers lets drivers in St. Petersburg change their coverage to fit their needs. You can check our guide, “Farmers Auto Insurance Review,” for more details.
• A Rating: Farmers has a high A rating from A.M. Best, making it a trusted choice for auto insurance in St. Petersburg.
• 13% Discount for Bundling: Farmers offers a 13% discount in St. Petersburg if you combine auto and home insurance.

Cons

• Higher Premiums: Farmers may charge more for insurance if the driver has had accidents in St. Petersburg.
• Limited Discounts: Farmers may not offer as many discounts for safe drivers or new customers compared to other companies in St. Petersburg.

#7 – USAA: Best for Exceptional Service

Pros

• Great Service: USAA gives excellent customer service, so people in St. Petersburg love it. Refer to our guide, “USAA Auto Insurance Review,” for further details.
• A++ Rating: USAA has a strong A++ rating from A.M. Best, showing it’s financially stable and reliable for St. Petersburg policyholders.
• Big Discount: USAA offers a 20% discount for bundling policies, making it a great option for St. Petersburg drivers with multiple needs.

Cons

• Eligibility Restrictions: USAA is only for military members and their families, so some drivers in St. Petersburg can’t use it.
• Higher Premiums for Non-Military: Drivers in St. Petersburg who can’t get discounts may pay higher rates with USAA than with other companies.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#8 – Nationwide: Best for Unique Options

Pros

• Unique Options: Nationwide gives special coverage choices for drivers in St. Petersburg, like vanishing deductible and accident forgiveness.
• A+ Rating: Nationwide has an A+ rating from A.M. Best, meaning it’s a trusted and stable company for people in St. Petersburg.
• 16% Bundling Discount: Nationwide offers a 16% discount when you bundle policies, helping people in St. Petersburg save money.

Cons

• Few Local Agents: Nationwide may not have many agents in St. Petersburg, so getting personal help might be harder. To get all the info, see our guide, “Nationwide Auto Insurance Review.”
• Harder Claims: Some drivers in St. Petersburg say filing a claim with Nationwide is more difficult than with other companies.

#9 – Travelers: Best for Excellent Discounts

Pros

• Great Discounts: Travelers give good discounts, like for having multiple policies or being a safe driver, in St. Petersburg. Learn more by visiting our guide, “Travelers Auto Insurance Review.”
• Top Rating: Travelers has an A++ rating, showing it’s financially strong and a reliable choice for drivers in St. Petersburg.
• 9% Discount for Bundling: Travelers offers a 9% discount to people in St. Petersburg who combine their auto and home insurance.

Cons

• Higher Rates for Certain Vehicles: Some cars may cost more for travelers in St. Petersburg because they are considered high-risk.
• Limited Customization: Travelers in St. Petersburg may not be able to customize their policies as much as with other companies.

#10 – American Family: Best for Comprehensive Options

Pros

• Many Choices: American Family gives a lot of coverage options in St. Petersburg, like roadside help. Explore our guide, “American Family Auto Insurance Review” to find out more.
• A Rating: American Family’s A rating shows they are reliable and stable for people in St. Petersburg.
• 10% Discount: American Family gives a 10% discount if you combine policies, helping drivers in St. Petersburg save money.

Cons

• Premium Costs: American Family may charge higher rates for drivers in St. Petersburg who have had accidents.
• Limited Discounts: American Family’s discounts for safe drivers and new customers aren’t as good as some other companies in St. Petersburg.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Auto Insurance Coverage Requirements in Florida

Discover the auto insurance coverage requirements in Florida and compare monthly rates in St. Petersburg, by provider and coverage level to find the best fit for your needs.

St. Petersburg, FL Auto Insurance Monthly Rates by Provider & Coverage Level

St Petersburg, like all Florida cities, requires the following minimum coverages on all automotive insurance policies:
Minimum Florida Auto Insurance Requirements

Are you still making payments on a new car? Well, it’s important to let your insurance company know up front. Many lenders won’t let you purchase any kind of insurance which doesn’t contain comprehensive and collision coverage.

Good news for St. Petersburg drivers: on average, motorists who live in your city only pay about $99 per month for car insurance. That’s just below the state average of $153, and well below some of the more populated cities in Florida.

Cheapest Car Insurance in St. Petersburg, Florida

Affordable car insurance in St. Petersburg, Florida, is essential due to local traffic and state requirements. This guide covers top providers, budget-friendly coverage options, and factors that influence rates, helping you find quality insurance without overspending. For a complete rundown, view our guide, “Progressive vs. USAA Auto Insurance Review.”

Major Factors in Cheap Car Insurance in St. Petersburg, Florida

Your car insurance rate depends on several factors, such as your driving record, vehicle type, and location. For more information, see our guide, “Factors that Affect Your Car Insurance Premium.” Although some factors are outside of your control, there are ways to qualify for discounts and reduce your premium.

St. Petersburg, FL Report Card: Auto Insurance Premiums

In St. Petersburg, FL, drivers can access a variety of auto insurance discounts to lower their costs. Leading insurance providers offer savings for safe driving, new customers, bundling policies, and more. This guide covers the top discounts available from the best insurers in the area.

Auto Insurance Discounts From the Top Providers in St. Petersburg, FL

By understanding these factors, you can make informed decisions to manage your insurance costs. Taking steps like maintaining a clean driving record and choosing the right coverage can help you find a better rate.

Your ZIP Code

Where you park your car each night affects your auto insurance rate. Car insurance is usually cheaper in rural areas due to fewer vehicles on the road, reducing collision risk.

St. Petersburg, Florida, has a population of 249,688 and a median household income of $43,894. The city’s economy is supported by industries such as tourism, healthcare, and technology, reflecting its role as a regional economic hub.

Auto Thefts in St. Petersburg

Finding affordable auto insurance can be tough if your vehicle is at risk for theft, especially popular models, or if you park in large cities. In 2013, St. Petersburg saw 1,124 stolen vehicles, an increase from prior years. If your vehicle is at risk, add comprehensive coverage to your policy, as it’s the only coverage that pays for stolen vehicles.

Automotive Accidents

Areas with higher accident rates generally have higher insurance premiums. St. Petersburg, however, had relatively low accident statistics, with only 17 fatal accidents in 2013. 

St. Petersburg, FL Auto Accident & Insurance Claim Statistics

This data suggests that St. Petersburg’s roads are safer compared to regions with higher accident rates, leading to more affordable insurance premiums.

Your Credit Score

If you have good or excellent credit, you’re in luck. Drivers with higher credit scores will get offered substantially lower St. Petersburg, Florida, auto insurance rates.

Your Age

Young, inexperienced drivers typically face higher premiums than those in their 30s or 40s. With less driving experience, they are more likely to cause accidents, and higher rates help insurance companies offset potential costs.

Your Driving Record

Accidents happen, and mistakes like speeding tickets can affect your insurance. Ask a St. Petersburg, Florida, auto insurer about accident forgiveness to avoid premium increases. Serious violations, like a DUI, can raise rates or cancel your policy.

Your Vehicle

Considering insurance for a luxury vehicle? If you can afford it, go ahead—but remember, you’ll need a high-end policy to cover accident and theft costs. Comprehensive coverage ensures protection against expensive accidents and potential losses.

The economical cars with lower repair and replacement costs typically need less coverage. Resulting in lower monthly premiums. Selecting appropriate coverage based on your vehicle type is essential for financial protection.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Minor Factors in Cheap Auto Insurance in St. Petersburg, Florida

When searching for affordable auto insurance in St. Petersburg, Florida, consider factors like your driving history, vehicle type, coverage limits, and location to find the best value. Provides a wide range of coverage options in St. Petersburg, including add-ons like roadside assistance.

Your Marital Status

Sometimes your marital status–whether you are single, married, or divorced–can significantly change your monthly rate. This is especially true for married couples who choose to bundle their insurance policies together. Some couples can save as much as 27% with the right company.

Your Gender

No matter what sort of preconceived notions you may be harboring regarding gender and driving ability, the truth is that most insurance companies don’t know who is better at driving. That’s why some companies charge 2-3% more for males, and some charge less. Other progressive entities charge equal rates regardless of gender.

Education in St. Petersburg, Florida

Insurance stats show that more education lowers accident risk. In St. Petersburg, most residents have at least a high school diploma. A lower income or job won’t impact your rate as much as your education level. The city offers top universities, including Stetson University, home to Florida’s oldest law school, making it ideal for students and working adults seeking further education.

When your child goes away to college, there are options to lower your insurance premiums. Here’s how: https://t.co/RaefBSO3Ty#carinsurance pic.twitter.com/9M1Zk15gbP

— State Farm (@StateFarm) October 8, 2024

USF (University of South Florida) has a campus in St. Petersburg, and Eckerd College offers study abroad and work-study programs. While online searches may reveal insurance trade secrets, finding affordable coverage can still be tough. Research thoroughly before choosing a car insurance policy.

Your Driving Distance to Work

In St. Petersburg, 81% of residents drive alone to work, with 8% carpooling. The average commute is 23 minutes, shorter than the national average. Your insurance may ask if you drive for work, school, pleasure, or business, and how many miles you drive annually. Only business vehicles usually see a rate increase over 10%.

Your Coverage and Deductibles

Adding lots of coverage options makes sense for a more expensive vehicle. For automobiles of lesser value, however, you can save yourself some money each month by sticking to a more basic insurance policy.

You can also add a few extra benefits to your coverage and keep your monthly rates low by raising your deductible – just make sure you can afford to shell out the cash if the worst happens.

Case Studies: Discover the Great St. Petersburg, FL Auto Insurance

This section highlights real-life examples of how drivers in St. Petersburg, Florida, found the best and quality auto insurance coverage with providers like State Farm, Geico, and Progressive. Explore our guide, “Compare Auto Insurance Companies,” to find out more.

• Case Study #1 – Young Driver with a Clean Record: Sarah, 24, chose Geico for affordable coverage because of discounts for safe driving and a low-cost policy.
• Case Study #2 – A Family Looking for Comprehensive Coverage: The Martinez family picked State Farm for its flexible policies and savings from bundling, making sure all their vehicles were covered.
• Case Study #3 – Experienced Driver Seeking Customizable Options: Mark, who has had accidents before, chooses Progressive for coverage that suits his needs and budget.

These case studies show how top St. Petersburg, Florida, auto insurance providers offer tailored solutions for different drivers. Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.