St. Petersburg Florida Car Insurance

Find the right car insurance policy for you.


St. Petersburg, FL is nestled between the Gulf of Mexico and Tampa Bay. This charming city is known for its award-winning beaches and world-class dining. With a historic downtown that offers shopping, restaurants and bars, St. Petersburg is often flooded with tourists. This creates busy roads and congested traffic year-round for local drivers. Make sure you are prepared with the best St. Petersburg car insurance.

Independent Insurance Agents offer St. Petersburg drivers reliable assistance in the search for affordable car insurance. First-time drivers, as well as seasoned drivers, can expect excellent service from our agents to help them find affordable auto insurance that offers the maximum protection.

  • National average cost per year: $1,311
  • Florida average cost per year: $1,742
  • #5 most expensive auto premium in the U.S.

Florida residents are no stranger to high car insurance rates. Several factors affect your personalized rate quote, including your age and driving record and the make and model of your car. Let an insurance agent guide you through the process of shopping for car insurance that can give you significant savings on your annual premiums. Ways to maximize your savings include safe driving discounts and bundled coverage. Our friendly agents work hard to get every driver the lowest possible rate. In fact, you’ll receive quotes on multiple policies, giving you the chance to compare the cost and benefits of each plan before you select the car insurance policy that is right for your vehicle.


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Our independent agents shop around to find you the best coverage.

Florida Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 10/20/10

As a driver in Florida, you are required to carry insurance on your car. Minimum coverage limits are $10,000 for individual injuries, $20,000 for total injuries in an accident and $10,000 for any resulting property damage. Keep in mind that if the cost of an accident exceeds your coverage limit, you have to pay the difference out of pocket. St. Petersburg drivers should consider adding additional coverage to their policy so they won’t get stuck paying out of pocket if the damage goes above the state minimum. It is always a smart investment that can add up to major savings if you ever get into a serious accident.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Number of Uninsured Motorists in Florida

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Florida drivers: 23.8%

Studies show that almost one-fourth of drivers are uninsured. This means that one out of four drivers around you has no insurance and that if you get into an accident with one of these drivers, you have to pay for your own car repairs. The best way to avoid this financial burden is by choosing a car insurance policy that includes coverage for accidents involving uninsured motorists.

Number of Auto Thefts in Florida

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Florida: 2.48

St. Petersburg has a crime rate that is 54 percent higher than the national average. This raises your risk of theft or vandalism to your vehicle exponentially. When you are shopping for auto insurance, it is important to choose a policy that covers theft. In the unfortunate event that your car is stolen, you will have the peace of mind that it will be replaced. Simply file a claim and then receive the funds to replace your car without the hassle of waiting for it to be recovered.

Find a Great St. Petersburg Car Insurance Policy

St. Petersburg drivers have many risk factors that can’t be ignored when shopping for car insurance. Finding the best coverage at an affordable rate can seem an impossible task. Our independent agents make the process easy by offering one-on-one support along the way. Our agents will answer your questions, explain your coverage options and help you design a customized auto insurance policy that will offer maximum protection at a minimal price. 

Contact an agent today to get a free rate quote on St. Petersburg auto insurance.

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