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Last updated: March 31, 2026Best Cheap Car Insurance in St. Petersburg
State Farm, Allstate, GEICO, Florida Farm Bureau, and Travelers are top picks in St. Petersburg.
Key Takeaways
- Car insurance in St. Petersburg costs $3,348 per year for full coverage, which is below the Florida average, and $1,456 per year for minimum coverage, which is slightly higher than the state average.
- State Farm has the lowest rates for full and minimum coverage, while Allstate has the highest regional customer satisfaction ratings.
- Our data reflects average rates, which may not match the rates you’re quoted. Your premium will depend on several personal factors, including age, driving record, and credit history.
Our Top Picks for the Best Cheap Auto Insurance in St. Petersburg
- Best Value: State Farm
- Best for Customer Satisfaction: Allstate
- Best for Poor Credit: GEICO
- Best Regional Insurer: Florida Farm Bureau
- Best for Drivers With DUIs: Travelers
Compare the Best Cheap Auto Insurance in St. Petersburg
| Company | Full Coverage Annual Avg. | Minimum Coverage Annual Avg. | Florida Customer Satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $2,402 | $900 | Above average |
| Allstate | $5,048 | $1,823 | Above average |
| GEICO | $3,135 | $761 | Above average |
| Florida Farm Bureau | Data not available | Data not available | Above average |
| Travelers | $2,438 | $929 | Below average |
| St. Petersburg | $3,672 | $1,357 | – |
Detailed List of the Best Cheap Providers in St. Petersburg
1. State Farm - Best Value
4.9
Editor's Rating:
- Average Rate forMinimum Coverage$54 mo.
- Average Rate forFull Coverage$169 mo.
- Cheap rates in St. Petersburg
- Great telematics programs
- Above-average customer satisfaction
Must complete quotes by phone- No accident forgiveness
Why we chose it
State Farm has the cheapest full coverage rates in St. Petersburg at 35 percent below the city average, and also has some of the cheapest minimum coverage rates in the city. It is generally known for its good customer service, ranking above average in every region in J.D. Power’s most recent Auto Insurance Study, including Florida.
State Farm has two telematics programs: Drive Safe & Save and Steer Clear. The former provides a discount of up to 30 percent for driving safely, and the latter is specifically designed for young drivers and includes driver training modules.
FYI:
Teens pay more for auto insurance than any other age group. In addition to participating in telematics programs, adding a teen to an existing family policy can save you thousands of dollars annually.
Who it’s best for
Drivers looking for the cheapest rates, families with teen drivers, those who want to work with an agent
State Farm St. Petersburg Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $172 | $72 |
| Annually | $2,068 | $864 |
| Difference from St. Petersburg average | -38% | -41% |
2. Allstate - Best for Customer Satisfaction
4.4
Editor's Rating:
- Average Rate forMinimum Coverage$69 mo.
- Average Rate forFull Coverage$243 mo.
- Top regional customer satisfaction ratings
- Wide range of coverages
- Easy online quotes
- Telematics needed for best savings
- Mixed claims reviews
Why we chose it
Allstate ranked first, tied with GEICO, in J.D. Power’s 2025 Auto Insurance Study for the Florida region, which is one of the few regions where it ranks above average. Its rates are higher than average, but it’s worth getting a quote if you value strong customer service and need certain coverages that the company offers.
Allstate sells accident forgiveness coverage, which prevents your rates from increasing after an accident and can be particularly valuable for young drivers. Allstate provides quick online quotes and allows for online purchasing as well.
Who it’s best for
Drivers prioritizing customer service, those who prefer to purchase online
Allstate St. Petersburg Pricing
| Allstate | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $369 | $156 |
| Annually | $4,429 | $1,869 |
| Difference from St. Petersburg average | +28% | +32% |
3. GEICO - Best for Poor Credit
4.2
Editor's Rating:
- Average Rate forMinimum Coverage$46 mo.
- Average Rate forFull Coverage$156 mo.
- Excellent regional customer satisfaction
- Competitive rates
- Discounts for military and federal workers
- Limited agent presence
- Doesn't underwrite home insurance
Why we chose it
GEICO offers below-average rates for full and minimum car insurance in St. Petersburg. It has some of the cheapest rates in Florida for drivers with poor credit, along with Nationwide and UAIC.
The company also tied for first place in the Florida region on J.D. Power’s 2025 Auto Insurance Study, making it a great choice for drivers who value great customer service but don’t want to sacrifice affordability. GEICO’s business model is digital first, allowing for easy online quotes and purchasing.
The company has a long list of discounts, including a 15 percent discount for active or retired military members. Its telematics program, DriveEasy, offers a discount of up to 25 percent for safe driving.
Who it’s best for
Drivers who prefer to shop and manage their policies digitally, renters (GEICO doesn’t underwrite its own home policies)
GEICO St. Petersburg Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $211 | $85 |
| Annually | $2,533 | $1,017 |
| Difference from St. Petersburg average | -24% | -30% |
4. Florida Farm Bureau - Best Regional Insurer
4.1
Editor's Rating:
- Community-focused agents
- Auto policies include pet coverage and roadside assistance
- Perks for members
- Small-scale
- Modest digital tools
Why we chose it
Florida Farm Bureau is a subsidiary of Southern Farm Bureau and serves the state of Florida exclusively. It is a community-oriented business that sells policies through local agents. While pricing data for St. Petersburg is not available, Farm Bureau insurance tends to be reasonably priced.
It doesn’t offer extensive coverage options, but for those who are looking for liability, comprehensive, and collision coverage, it’s a great choice. Its auto policies also include pet coverage and towing and labor coverage. Florida Farm Bureau offers several discounts, including good student, multi-car, and loyalty discounts.
Who it’s best for
Drivers who want to work with a local agent, existing Farm Bureau members, those who only need standard coverage
5. Travelers - Best for Drivers With DUIs
4.1
Editor's Rating:
- Average Rate forMinimum Coverage$57 mo.
- Average Rate forFull Coverage$153 mo.
- Wide range of add-on coverages
- Affordable rates for drivers with violations
- Many discounts
- Average satisfaction scores
- Limited agent density in some regions
Why we chose it
Travelers has competitive rates for both full and minimum coverage in St. Petersburg, and it also has some of the lowest rates for drivers with violations in Florida — its average premium for those with a DUI on their record is 31 percent cheaper than the state average. Travelers also offers a long list of discounts that can further lower rates.
Drivers looking for more than standard coverages should also consider Travelers, which sells policy add-ons including accident forgiveness, gap coverage, and new car replacement.
Who it’s best for
Drivers with violations on their record, those looking for extensive add-on coverages, new car drivers
Travelers St. Petersburg Pricing
| Travelers | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $189 | $93 |
| Annually | $2,272 | $1,111 |
| Difference from St. Petersburg average | -32% | -24% |
St. Petersburg Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Florida1 | CRASH Network Report Card2 | J.D. Power Claims Satisfaction3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| State Farm | 639 | D+ | 716 | 0.97 |
| Allstate | 660 | D+ | 693 | 2.28 |
| GEICO | 660 | C- | 697 | 0.89 |
| Florida Farm Bureau | 655 | B+ (Parent company Southern Farm Bureau) | – | 0.14 |
| Travelers | 620 | C- | 620 | 0.22 |
| Average | 635 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Cheapest Full Coverage Car Insurance in St. Petersburg
State Farm offers the cheapest rates for full coverage in St. Petersburg, with an average annual premium of $2,068. That’s 38 percent cheaper than the citywide average. Travelers, UAIC, and GEICO also offer competitive full coverage rates.
| Company | Annual St. Petersburg Average | Monthly St. Petersburg Average |
|---|---|---|
| State Farm | $2,068 | $172 |
| Travelers | $2,272 | $189 |
| UAIC | $2,516 | $210 |
| GEICO | $2,533 | $211 |
| Progressive | $2,970 | $248 |
| Nationwide | $3,465 | $289 |
| Mercury | $3,759 | $313 |
| Allstate | $4,429 | $369 |
| St. Petersburg average | $3,348 | $279 |
| Florida average | $3,672 | $306 |
| U.S. average | $2,356 | $196 |
Cheapest Minimum Coverage Car Insurance in St. Petersburg
St. Petersburg drivers looking for minimum coverage will also find the lowest average rates from State Farm at $864 per year. GEICO and Travelers have the next-cheapest rates at $1,017 and $1,111 annually, respectively.
| Company | Annual St. Petersburg Average | Monthly St. Petersburg Average |
|---|---|---|
| State Farm | $864 | $72 |
| GEICO | $1,017 | $85 |
| Travelers | $1,111 | $93 |
| Mercury | $1,217 | $101 |
| Progressive | $1,602 | $134 |
| UAIC | $1,638 | $137 |
| Allstate | $1,869 | $156 |
| St. Petersburg average | $1,456 | $121 |
| Florida average | $1,357 | $113 |
| U.S. average | $722 | $60 |
How Many Car Accidents Happen in St. Petersburg?
In 2025, there were 7,526 total car accidents in St. Petersburg. These crashes resulted in 23 fatalities and 154 serious injuries. Most of those who died or were seriously injured were in the 25–34 and 65+ age groups, and most fatal accidents occurred in February, October, and December. The most dangerous days of the week in terms of serious accidents were Tuesday and Friday.5
Minimum Auto Insurance Requirements in Florida
Florida does require minimum coverage auto insurance, but its minimum limits are lower than those of most states:
- Property damage liability: $10,000 per accident
- Personal injury protection: $10,000 per person
Florida is a no-fault state, which means that each driver in an accident pays for their own medical expenses. Florida’s required personal injury protection (PIP) helps pay for this. The state does not require bodily injury liability coverage, but it’s still a good idea to include it in your policy. The minimum limits offer very basic financial protection, but if you can afford more coverage, it can pay for itself many times over if you get into a serious accident.
Frequently Asked Questions
State Farm offers the most affordable car insurance in Florida for full coverage at $2,402 per year on average. GEICO has the cheapest minimum coverage rates at $761 per year on average.
GEICO is cheaper than Progressive in Florida, on average, for both full and minimum coverage, though the difference is much bigger when looking at minimum coverage. GEICO’s average rates are $3,135 and $761 per year for full coverage and minimum coverage, respectively, while Progressive’s are $3,479 and $1,218.
Car insurance in Florida should cost around $306 per month for full coverage and $113 per month for minimum coverage, based on average cost data. However, how much you pay depends on a number of factors, including your driving history, age, vehicle, credit score, and more.
There are many ways to lower your car insurance costs, including asking your insurer about any discounts you qualify for that may have been missed, and increasing your deductibles if you have full coverage. If you’re not already participating in a telematics program, this can be another great way to earn savings. However, be sure to read the fine print, as some programs may increase rates if you drive unsafely. If you own a home, bundling car and home insurance can also score you significant savings.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average full and minimum coverage premiums for safe drivers with good credit in St. Petersburg. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000 per accident
- Personal injury protection: state-required limits
- Uninsured/underinsured motorist: Same as bodily injury
- Collision and comprehensive: $500 deductible
- Claims handling (25%): The best insurance companies are those that handle claims quickly and fairly. We assess insurers’ claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Auto Claims Satisfaction Study, and financial strength from sources like AM Best.
- Customer experience (25%): We assess various aspects of the customer experience, including the ease of getting a quote and purchasing coverage. We also evaluate online and agent support, as well as the user experience on each insurer’s website and mobile app. Our analysis uses insights from J.D. Power, the NAIC Complaint Index, BBB ratings, and app store reviews.
- Coverage options (10%): We consider each company’s coverage options and prioritize those with offerings beyond the state-required minimums, like new car replacement, gap coverage, rideshare coverage, and more.
Sources
Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, JD Power Finds. JD Power. (2024, June 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyResults by Complaint Index. NAIC. (2026).
https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=24112&:refreshFLORIDA TRAFFIC SAFETY DASHBOARD. Signal Four Analytics. (2026).
https://signal4analytics.com/
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