St. Pete Beach, FL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in St. Pete Beach, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Factors that can influence the cost of car insurance in St. Pete Beach, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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St. Pete Beach, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in St. Pete Beach, FL with that of other cities in and around St. Pete Beach.

	St. Pete Beach	South Pasadena	Bear Creek	Bay Pines	Madeira Beach	Redington Beach
Average Insurance Rates	$2,399	$2,150	$2,335	$2,161	$2,440	$2,458

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St. Pete Beach, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around St. Pete Beach, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
St. Pete Beach	$1,656	$1,399
Treasure Island	$2,462	$2,079
Madeira Beach	$2,335	$1,972
Bay Pines	$2,905	$2,453
South Pasadena	$2,019	$1,705
Redington Beach	$1,698	$1,435
Bear Creek	$1,004	$848
North Redington Beach	$1,797	$1,518

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St. Pete Beach, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in St. Pete Beach, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$7,784
20 Years	$3,082
30 Years	$2,374
40 Years	$2,284
50 Years	$2,115
60 Years	$2,145
70 Years	$2,497

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St. Pete Beach, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in St. Pete Beach, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$4,222	$576
3 Vehicles	$6,333	$864
4 Vehicles	$8,444	$1,152

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St. Pete Beach, FL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around St. Pete Beach, FL.

Location	Average Insurance Cost	Post DUI Insurance Rate
St. Pete Beach	$2,399	$3,755
Treasure Island	$2,389	$3,739
Madeira Beach	$2,440	$3,819
Bay Pines	$2,161	$3,382
South Pasadena	$2,150	$3,365
Redington Beach	$2,458	$3,847
Bear Creek	$2,335	$3,654
North Redington Beach	$2,595	$4,061

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St. Pete Beach, FL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$2,058
Excellent (740-799)	$2,350
Good (670-739)	$2,500
Average (580-669)	$3,261
Poor (300-579)	$3,913

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St. Pete Beach, FL Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name	Company	Agent Address	Contact Details
Elizabeth Lawson	State Farm	4342 Duhme Rd, Madeira Beach, 33708-2809	727-391-3422
Karen Wornicki	State Farm	8120 4th St N Frnt, St Petersburg, 33702-3629	727-576-8200
Harr & Associates Insurance Inc	Travelers	11401 SEMINOLE BLVD, LARGO, 33778	727-393-9146
Tom Hendry Agency	Travelers	4619 4TH ST N, ST PETERSBURG, 33703	727-525-8170
Tom Hendry Agency	Travelers	4619 4TH ST N, ST PETERSBURG, 33703	727-525-8170
Central Insurance, Inc. Dba Certified Insurance Underwriters	None	13246 38Th St N , Clearwater, 33762	None
Martin Insurance Group	Travelers	14321 WALSINGHAM RD, LARGO, 33774	727-595-0763
Scott Nelms	State Farm	4853 34th Street South, St Petersburg, 33711-4509	727-866-0036
Scott Nelms	State Farm	4853 34th Street South, St Petersburg, 33711-4509	727-866-0036
Iii-Scarr Insurance Group	Travelers	8200 113TH ST N STE 202, SEMINOLE, 33772	727-393-5055

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St. Pete Beach, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$106	$2,505
Driver's Failure In Showing Documents	+$233	$2,632
Driving With An Expired Registration	+$247	$2,646
Driving At A Considerably Slow Pace	+$521	$2,920
Using A Cellphone While Driving	+$549	$2,948
Running A Red Light	+$559	$2,958
Speeding	+$588	$2,987
Driving A Vehicle Without The Required Permission	+$746	$3,145
Driving With An Expired/Suspended License	+$1,617	$4,016

St. Pete Beach, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$2,303
Active Disabling Device	$2,303
Tracking Device	$2,255
Passive Disabling Device	$2,231

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Latest Auto Insurance Reviews in St. Pete Beach, FL | Back to Top