Best St. Petersburg, FL Auto Insurance in 2024 (Review the Top 10 Companies Here)
The best St. Petersburg, FL auto insurance providers are State Farm, Geico, and Progressive, offering rates from $80 per month. With competitive pricing, strong service, and reliable coverage. These three companies are the top choices for quality, affordable auto insurance in St. Petersburg, Florida.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Nov 16, 2024
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13,128 reviewsLeading 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
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 12% | B | Comprehensive Coverage | State Farm |
 | #2 | 18% | A++ | Competitive Rates | Geico |
 | #3 | 15% | A+ | Innovative Tools | Progressive |
 | #4 | 14% | A+ | Local Support | Allstate |
 | #5 | 11% | A | Tailored Policies | Liberty Mutual |
 | #6 | 13% | A | Tailored Policies | Farmers |
 | #7 | 20% | A++ | Exceptional Service | USAA |
 | #8 | 16% | A+ | Unique Options | Nationwide |
 | #9 | 9% | A++ | Excellent Discounts | Travelers |
 | #10 | 10% | A | Comprehensive Options | American Family |
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 above to instantly compare prices from various companies near you.
- State Farm, Geico, and Progressive are top auto insurance options in St. Petersburg
- Rates starts at $80/month provide affordable coverage with strong customer service
- State Farm is the top pick for its combination of low rates and reliable service
#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.
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#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.
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#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.
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#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.
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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
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $95 | $230 |
| $91 | $225 |
| $92 | $205 |
| $90 | $210 |
| $88 | $215 |
| $86 | $212 |
| $80 | $200 |
| $85 | $220 |
| $89 | $208 |
| $84 | $198 |
St Petersburg, like all Florida cities, requires the following minimum coverages on all automotive insurance policies:
Requirements for St. Petersburg, Florida
| Coverage Type | Minimum Requirement | Most Common Coverage Level |
|---|---|---|
| Bodily Injury Liability | $10,000 per person / $20,000 per accident | $50,000 per person / $100,000 per accident |
| Property Damage Liability | $10,000 per accident | $25,000 per accident |
| Personal Injury Protection (PIP) | $10,000 minimum | $10,000 |
| Uninsured/Underinsured Motorist | Optional, but often recommended | $25,000 per person / $50,000 per accident |
| Collision Coverage | Optional | $500 deductible |
| Comprehensive Coverage | Optional | $500 deductible |
| Medical Payments (MedPay) | Optional | $5,000 |
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.
State Farm is the top choice for auto insurance in St. Petersburg, FL, with affordable rates, reliable coverage, and helpful discounts
Jeffrey Manola Licensed Insurance Agent
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
| Category | Grade | Explanation |
|---|---|---|
| Discounts Availability | A- | There are a variety of discount options, including multi-policy, safe driver, and good student discounts. |
| Rate Stability | B | Rates are relatively stable with only occasional increases tied to statewide trends. |
| Comprehensive & Collision Rates | B- | Rates for these coverages are moderate but can be higher in areas with higher crime rates. |
| Average Premium Cost | C+ | Premiums in St. Petersburg are slightly above the state average, largely due to population density and traffic. |
| Liability Coverage Cost | C+ | Liability rates are somewhat high due to traffic and accident frequency in the city. |
| Affordability | C | Insurance is moderately affordable, though higher than in less urbanized areas of Florida. |
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
| Insurance Company | Available Discounts |
|---|---|
| Bundling, Safe Driving, New Car, Good Student |
| Bundling, Good Student, Homeowner, Safe Driver |
| Bundling, Good Student, Business and Professional, Homeowner |
| Bundling, Good Driver, Military, Student |
| Bundling, Safe Driving, Homeowner, Military |
| Bundling, Good Student, Accident-Free, Homeowner |
| Bundling, Safe Driving, Snapshot Program, Homeowner |
| Bundling, Safe Driving, Good Student, Homeowner |
| Bundling, Safe Driving, New Car, Homeowner |
| Bundling, Safe Driver, Military, Vehicle Storage |
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.
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
| Factor | Value |
|---|---|
| Annual Auto Accidents | 9,000 |
| Average Claim Cost | 4,200 |
| Accident Rate (per 1,000 drivers) | $14 |
| Percentage of Accidents with Injuries | 28% |
| Uninsured Motorist Rate | 13% |
| Claims Filed per 1,000 Drivers | 17 |
| Average Time to Settle a Claim | 30 days |
| Most Common Claim Type | Collision |
| Average Premium Increase After Claim | 18% |
This data suggests that St. Petersburg’s roads are safer compared to regions with higher accident rates, leading to more affordable insurance premiums.
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.
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
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
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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.
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.
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.
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.
Discover the road to peace of mind with the best St. Petersburg, FL auto insurance
Daniel Walker Licensed Insurance Agent
- 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 below to find the best auto insurance providers for your needs and budget.
Frequently Asked Questions
Who offers the best auto insurance in St. Petersburg, Florida?
The best auto insurance in St. Petersburg, FL, is offered by State Farm, Geico, and Progressive. They provide good rates, coverage, and customer service.
How much does auto insurance cost in St. Petersburg, Florida?
Auto insurance in St. Petersburg, FL, starts at $80 per month. Rates depend on factors like your provider, coverage, driving history, car type, and credit score. Enter your ZIP code into our free quote tool below to find the best auto insurance providers for your needs and budget.
What makes State Farm the top choice for auto insurance in St. Petersburg?
The State Farm is highly rated for its affordable rates, reliable customer service, and comprehensive auto insurance coverage options. Making it a top choice for many drivers. Take a look at our guide, “State Farm Drive Safe and Save or OnStar Program Review.”
What affects car insurance rates in St. Petersburg, Florida?
Car insurance rates in St. Petersburg depend on driving history, age, car type, coverage choices, and discounts.
How can I lower car insurance costs in St. Petersburg, Florida?
Look for discounts from providers like Geico, such as safe driver discounts and bundling policies, to reduce your premiums while keeping good coverage.
Is Geico a good choice for young drivers?
Yes, Geico is often considered one of the top choices for young drivers due to its reputation for offering budget-friendly rates. Florida auto insurance provides various discounts that make it an appealing option for those who are looking to save on their auto insurance premiums. View our guide, “Car Insurance for Teenagers,” for more info.
Can I customize my Progressive auto insurance?
Yes, Progressive lets you adjust coverage to fit your needs and budget.
What insurance coverage should I get in St. Petersburg, Florida?
In St. Petersburg, Florida, get liability, collision, comprehensive, and uninsured motorist coverage for full protection.
How do I pick the right auto insurance for my needs?
You can compare providers like State Farm, Geico, and Progressive for coverage options and customer satisfaction to find the best fit for your situation. Refer to our guide, “Average Auto Insurance Cost,” for additional details.
Why is State Farm a good choice for families with multiple policies?
The State Farm provides discounts for bundling, making it a budget-friendly option for families with multiple cars. Get the best auto insurance rates possible by entering your ZIP code below into our free comparison tool today.