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Cheap Car Insurance Rates in St. Petersburg, Florida

Tuesday, February 7 2017 By Larry Canonica

St. Pete is the sunniest place in America. No, really, the city holds the world record for most consecutive days of sunshine, with 768 days. And that’s not a one-time thing--they average 361 days per year of sunshine, hence their motto “Always in Season.” St. Petersburg, Florida residents deserve car insurance rates as good as the weather.

Average St. Petersburg Car Insurance Rates

How much is car insurance in St. Petersburg, FL? Even though drivers here are safer than most, average rates in St. Petersburg Florida are still well above both the state and national average. On average, auto insurance in Florida costs $1,143.83 per year. The national average is $841.23.

Prices may vary depending on your driving history, limits, coverage, type of car, and the total number of insurance claims filed in your zip code.

Florida Average Annual Car Insurance Rates
Coverage Rates
Liability $860.43
Collision $242.48
Comprehensive $106.83
Total Cost Per Year $1,143.83
Price Per Month $95.32

Compare Car Insurance Quotes in St. Petersburg

QuoteWizard helps St. Petersburg residents compare rates from both national insurance companies and local independent agents. Comparing quotes can help you find cheap insurance rates and save up to 40% on your premium.

Last year, 8,365 people used QuoteWizard to get an auto insurance quotes comparison in St. Petersburg, FL from multiple companies, and find the cheapest rates.

What Are the Top 10 Vehicles in St. Petersburg?

This is our list of the 10 most common car makes and models owned by St. Petersburg drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Ford Mustang
  4. Ford Ranger
  5. Toyota Camry LE/XLE/SE
  6. Hyundai Sonata GLS
  7. Jeep Grand Cherokee Laredo
  8. Ford Mustang
  9. Ford Explorer
  10. Chevrolet Malibu
Get a quote for your vehicle.Request Quote Get a Quote For Your Vehicle

What Are the Top 10 Car Insurance Companies in St. Petersburg?

This is our list of the 10 most common car insurance companies reported by QuoteWizard users living in St. Petersburg, FL last year last year.

  1. Geico
  2. Progressive Casualty
  3. Allstate Insurance
  4. Esurance
  5. AIG
  6. Liberty Mutual
  7. USAA
  8. Nationwide Insurance
  9. Infinity Insurance
  10. Farmers Insurance

Other popular St. Petersburg, FL car insurance companies include: AAA, Hartford, MetLife, Safeco, 21st Century,Travelers, American Family, Mercury, and Country Financial.

St. Petersburg Drivers

St. Petersburg drivers have something to be proud of. According to a recent report published by Allstate Insurance when it comes to safe driving, St. Petersburg drivers are better than those in most major US cities. St. Petersburg ranked 52ndth out of 200 cities. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 9.8 years, 2.5% better than the national average.

St. Petersburg drivers saved up to $383on their car insurance policies by comparing rates through our simple form.

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Driving Conditions

These are some of the driving conditions affecting your insurance rates.

Weather

The weather in St. Petersburg is described as being humid subtropical. This means that the summers are hot and humid with frequent thunderstorms. Winters are usually mild but cold fronts are known to move down from the north bringing freezing temperatures to the area. Precipitation averages 45.8 inches a year with most rain falling during the summer between June and September.

Road Conditions

Mild St. Petersburg winters are a major reason the roads here are in better shape than many other US cities. St. Petersburg streets are not subjected to the cold winter conditions that helps create potholes and cracked pavement. According to a recent study by TRIP, only 10% of major St. Petersburg  streets are in poor condition and 56% are rated as mediocre. While most streets here are in pretty good condition, many could be better. Driving on poorly maintained roads is in part responsible for the $444 a year St. Petersburg  drivers pay for extra vehicle operating costs.

Traffic Congestion

TomTom's annual traffic index report has ranked the St. Petersburg-Tampa metropolitan

area as having the 15th worst traffic congestion in the United States. The average commuter spends an additional 27 minutes per hour stuck in traffic during peak commute times and 102 hours a year for commutes of 30 minutes.

Moving Violations

Moving violations like following too close, speeding tickets, accidents, and drunk driving will give you a bad driving record and raise your insurance rates.

Traffic Tickets

The Pinellas County Clerk of the Circuit Court website allows you to pay traffic citations, elect to take an driving course or defensive driving course, pay parking tickets, and tells drivers how to contest tickets, and provides helpful traffic court information.

SR-22 or FR-44 DUI Insurance

If you've been convicted of a DUI and need to obtain an SR-22 or FR-44 form, request a quote and we will connect you with local insurance agents from top companies that specialize in St. Petersburg DUI insurance.

Vehicle Theft Rates

1,401 vehicle thefts were reported in St. Petersburg in 2014, a rate of 5.52 per 1,000 city residents.

Most Stolen Vehicles in Florida

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 2006 Ford Pick-Up (Full Size)
  2. 2000 Honda Civic
  3. 1996 Honda Accord
  4. 2014 Toyota Camry
  5. 2013 Nissan Altima
  6. 2013 Toyota Corolla
  7. 1999 Chevrolet Pick-Up (Full Size)
  8. 1996 Nissan Maxima
  9. 2014 Chevrolet Impala
  10. 2004 Dodge Pick-Up (Full Size)

Car Accident Statistics

In 2015 there were 19,036 crashes in St. Petersburg and Pinellas County resulting in 10,976 injuries. This an increase of 1% from the 17,382 accidents reported in 2014.

Traffic Fatalities

St. Petersburg reported 18 deaths in motor vehicle crashes, 6 of which were pedestrians in 2012. This works out to a fatality rate of 2.4 per 100,000 residents. All traffic deaths are a tragic loss, and with St. Petersburg’s estimated population of 249,688 this is a relatively safe US city in terms of traffic fatalities.

Legal Minimum Auto Insurance Requirements

St. Peterburg, Florida has a minimum coverage requirement known as the 10/20/10 rule. This means each policy must include at least the following three components:

  • Property Damage Liability (PDL): $10,000.
    The maximum your insurance company will pay for property damage caused by a car accident.
  • Personal Injury Protection (PIP): $10,000.
    Also called Florida No Fault Insurance. The most your insurer will pay for injuries sustained in a car accident regardless of who is at fault.

10 Ways to Save Money on car Insurance

Looking for cheap car insurance coverage in St. Petersburg? Discounts are one of the best ways to lower your rates. These are some of the many auto insurance discounts available depending on your insurer. Find out which discounts you may qualify for with your current or multiple insurance companies for by getting a free quote.

  1. Raise your deductible
  2. If you are 55 or over you could qualify for the senior discount or the 55 and retired discount
  3. Remove full comprehensive coverage from your policy
  4. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  5. Keep your driving record clean with no tickets or accidents
  6. Live in a safe zip code with drivers that file fewer insurance claims
  7. Get a new car with anti-lock brakes or electronic stability control or other advanced safety features
  8. Bundle your auto policy. Bundling your vehicles and policies together can knock 15% off your premium
  9. Take a defensive driving course (Driver's Ed)
  10. Shop around and compare St. Petersburg auto insurance quotes and discover every discount you qualify for

Sources:

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Category: Auto Insurance

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