For a 40-year-old driver with a clean record, St. Petersburg car insurance rates average about $381 a month ($4,572 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 15% above the Florida average of $331 a month. Travelers has the lowest full-coverage average of the four major insurers we compared (Allstate, GEICO, Progressive and Travelers), at about $218 a month.
St. Petersburg costs about $30 a month less than Tampa, across the bay, for our benchmark driver, but about $50 a month more than the statewide average on our Florida car insurance rates page. The Postal Service spells the city’s name Saint Petersburg, and that’s how our rate data files its ZIP codes.
We price 16 ZIP codes with a St. Petersburg mailing address. In the 13 that all four insurers price, full coverage runs from about $365 a month in 33716 to $383 in 33705 and 33714.
Cost data comes from the auto rates insurers file with state regulators, priced across all 16 St. Petersburg ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in St. Petersburg averages $4,572 a year, or about $381 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $1,769 a year ($147 a month), and 50/100/50 liability with comprehensive and collision averages $3,815 ($318 a month).
Travelers has the lowest full-coverage average among the four insurers in our St. Petersburg rate data. Among the published 2026 statewide Florida rate studies we reviewed, there is no agreement on the cheapest insurer for full coverage. Of the eight that rank insurers, three name State Farm, three name GEICO and two name Travelers. For liability-only coverage at 15/30/10 limits, GEICO has the lowest average among these four insurers, at about $98 a month, with Travelers close behind at $101.
Full-coverage averages by insurer in St. Petersburg
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Travelers | $1,212 | $101 | $2,617 | $218 |
| GEICO | $1,170 | $98 | $3,460 | $288 |
| Allstate | $1,904 | $159 | $5,601 | $467 |
| Progressive | $2,685 | $224 | $6,244 | $520 |
| State Farm (Nov. 2025 rates)* | $1,383 | $115 | $2,973 | $248 |
| United Automobile Insurance* | $2,494 | $208 | $3,471 | $289 |
| Nationwide* | $2,009 | $167 | $4,034 | $336 |
| Mercury Insurance* | $1,384 | $115 | $4,476 | $373 |
| Farmers* | $1,856 | $155 | $5,747 | $479 |
| National General* | $2,118 | $177 | $6,050 | $504 |
| St. Petersburg average | $1,769 | $147 | $4,572 | $381 |
This table uses St. Petersburg ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the 16 St. Petersburg ZIP codes we price, full coverage for our driver ranges from about $365 a month in 33716 to $422 in 33715, a gap of $683 a year. Travelers isn’t priced in 33706, 33708 and 33715, so those three ZIP codes’ averages cover the other three insurers, which is why they’re the highest in the table, at about $414 to $422 a month. 33716, in the north, is the least expensive in our data.
Lowest-priced St. Petersburg ZIP codes
Highest-priced St. Petersburg ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below St. Petersburg’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 33701 | $1,722 | $144 | $4,468 | $372 | -2% |
| 33702 | $1,726 | $144 | $4,430 | $369 | -3% |
| 33703 | $1,706 | $142 | $4,432 | $369 | -3% |
| 33704 | $1,724 | $144 | $4,504 | $375 | -2% |
| 33705 | $1,766 | $147 | $4,595 | $383 | +1% |
| 33706 | $1,890 | $158 | $5,015 | $418 | +10% |
| 33707 | $1,779 | $148 | $4,501 | $375 | -2% |
| 33708 | $1,888 | $157 | $4,970 | $414 | +9% |
| 33709 | $1,804 | $150 | $4,541 | $378 | -1% |
| 33710 | $1,757 | $146 | $4,470 | $373 | -2% |
| 33711 | $1,737 | $145 | $4,434 | $370 | -3% |
| 33712 | $1,752 | $146 | $4,526 | $377 | -1% |
| 33713 | $1,758 | $147 | $4,554 | $380 | About average |
| 33714 | $1,800 | $150 | $4,599 | $383 | +1% |
| 33715 | $1,897 | $158 | $5,067 | $422 | +11% |
| 33716 | $1,693 | $141 | $4,384 | $365 | -4% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $757 a year on average in our St. Petersburg data, with the same $500 deductibles. That’s about $63 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the three insurers that are in both sets of rates, in the same St. Petersburg ZIP codes, their full-coverage average fell from $5,749 a year nine months earlier to $5,102 in rates as of Aug. 31, 2026, an 11.3% drop. Progressive’s St. Petersburg average dropped 19.4%, GEICO’s 5.5% and Allstate’s 4.0%. Travelers is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the St. Petersburg average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 11.0%, led by Progressive, which cut its liability-only average 16.8%.
Pinellas County averages about $374 a month for full coverage, the fifth-most expensive of the 66 Florida counties we price, and St. Petersburg runs a little above that. Pinellas Park and Largo, to the northwest, average about $369 and $363 a month. Prices depend on where in Florida you live, not just on your car and driving record.
Where it’s priced, Travelers has the lowest full-coverage average of these four insurers in St. Petersburg, about $218 a month, about 24% below GEICO’s $288. Progressive averages about $520 for the same driver and car.
More Florida cities and towns are in the Florida rates by city table, and you can compare states on our car insurance rates by state page.
Clearwater, about 17 miles northwest, averages $367 a month and Tampa, about 17 miles northeast, $411. Spring Hill, about 50 miles north in Hernando County, averages $346.
Drivers in St. Petersburg follow Florida’s rules. Every vehicle registered in Florida must carry at least:
Bodily injury liability isn’t required for most Florida drivers. You need it after certain at-fault injury crashes, at 10/20 with an SR-22 filing for three years, according to the Florida Department of Highway Safety and Motor Vehicles, or after a DUI conviction, at 100/300/50 with an FR-44 filing for at least three years, under Florida Statutes section 324.023. Uninsured motorist coverage comes with any bodily injury liability policy unless you reject it in writing, under section 627.727.
Florida’s no-fault law is still in place. The 2026 bills that would have repealed it, S.B. 522 and H.B. 769, died in committee on March 13, 2026. Our Florida requirements guide covers the no-fault rules and the penalties for letting coverage lapse.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Florida law and the Florida Department of Highway Safety and Motor Vehicles. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in St. Petersburg averages about $381 a month ($4,572 a year) and liability-only coverage at 15/30/10 limits about $147 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 15% above the Florida average of $331 a month.
Travelers has the lowest full-coverage average in our St. Petersburg rate data, at about $218 a month, followed by GEICO at $288 among the four major insurers we compared. For liability-only coverage at 15/30/10 limits, GEICO has the lowest average in our St. Petersburg rate data, at about $98 a month. The published 2026 statewide Florida rate studies we reviewed disagree on which insurer is cheapest for full coverage: of the eight that rank insurers, three put State Farm first, three GEICO and two Travelers. Rates vary by driver, so compare quotes for your own car and ZIP code.
St. Petersburg, for our benchmark driver. St. Petersburg full coverage averages about $381 a month and Tampa about $411, a difference of about $30 a month for the same driver and car.
Among the 13 St. Petersburg ZIP codes all four insurers price, 33716 has the lowest full-coverage average, about $365 a month, and 33705 and 33714 the highest, about $383. Three ZIP codes, 33706, 33708 and 33715, average more, about $414 to $422, but Travelers isn’t priced there, so those averages cover three insurers. The ZIP code table on this page lists all 16.
In our St. Petersburg data, full coverage (100/300/100 with $500 deductibles) averages about $381 a month and liability-only coverage at 15/30/10 limits about $147, a difference of about $234 a month ($2,803 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Florida law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the three insurers in both sets of rates (Travelers is new over the past nine months), their St. Petersburg full-coverage average fell 11.3%, from about $5,749 to $5,102 a year. That’s higher than the St. Petersburg average of $4,572 because it leaves out Travelers. Progressive cut its St. Petersburg average 19.4%, GEICO 5.5% and Allstate 4.0%. Liability-only coverage at 15/30/10 limits fell 11.0%.
For our benchmark driver, full coverage in St. Petersburg averages about $381 a month. Nearby, Clearwater averages about $367, Tampa about $411 and Spring Hill about $346. Clearwater and Spring Hill are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
