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Get Cheap Car Insurance in Westminster Heights, St. Petersburg, FL

We monitor insurance prices, helping the average driver in Westminster Heights save up to 34.6% on car insurance.

 

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The Cheapest Minimum Coverage in Westminster Heights

The chart below shows the cheapest car insurance company in Westminster Heights for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.

 
Westminster Heights Insurer Monthly Cost
Geico $146
State Farm $155
Gainsco $202
Bristol West $202

Savings for Every Kind of Westminster Heights Driver

The table shows how much the average auto insurance customer in Westminster Heights might save by following our recommendations.

Based on our extensive insurance data, we know the average Westminster Heights driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $895 per year by choosing the right vehicle insurance company. Some Westminster Heights residents are paying out over $3,060 extra every year for auto insurance in Westminster Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Westminster Heights, St. Petersburg, FL Savings / Yr.
Drivers with good records
$895
Drivers with accidents
$1,314
Drivers with speeding tickets
$1,011
Drivers with a DUI conviction
$1,001
Young drivers
$3,179
Married drivers
$869
Drivers with bad credit
$1,266

Westminster Heights Car Insurance vs. St. Petersburg

People living in Westminster Heights pay an average of 15.81% more than the typical driver in the state. The average driver in Westminster Heights can expect to pay about $2,793 per year, or $3,060 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Westminster Heights for most people.

Car Insurance Prices by Westminster Heights Neighborhood

Westminster Heights, St. Petersburg, FL map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Westminster Heights?

The map shows insurance prices in and around Westminster Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $644 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,372 to a low of $2,728. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southwest parts of Westminster Heights.

Pick the Best Car Insurance Company for You in Westminster Heights

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Westminster Heights insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Westminster Heights

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $895 over the average Westminster Heights car insurance company.

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We use the average good driver, paying $180 per month, as our baseline for pricing in Westminster Heights. State Farm, Geico, and Travelers are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Westminster Heights drivers with accidents on their records

In Westminster Heights getting into an accident will raise premiums an average 28% for a yearly cost of $4,248. That's $1,188 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Travelers are good choices for drivers with accidents.

In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,314 over the competition.

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The best car insurance company for Westminster Heights drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $1,011 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Westminster Heights, tickets raise premiums on new quotes about $852. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,912 per year.

The best auto insurance for Westminster Heights drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,176 per year in auto insurance premiums, which was $1,116 more than a driver with no major issues. State Farm, Geico, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Geico may cost the average person with a DUI about $1,001 less each year.

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The least expensive car insurance company for new and young drivers in Westminster Heights

In Westminster Heights, Geico costs young drivers $3,179 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in Westminster Heights. With an average cost of $9,182 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Westminster Heights

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $215. State Farm, Geico, and Progressive provided the largest discounts to couples living in Westminster Heights.

Geico gave the largest car insurance discounts to married couples, averaging $869 saved each year compared to an average Westminster Heights couple's premiums.

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The cheapest car insurance in Westminster Heights for drivers with bad credit

People with poor credit saved an average of $1,266 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,463 every year. Premiums for people with poor credit were about $4,523 in Westminster Heights. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Gainsco.

The best Westminster Heights car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Westminster Heights, the National Association of Insurance Commissioners (NAIC) ranks Allstate as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Westminster Heights.

Allstate was the best company for customer service in Westminster Heights according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Westminster Heights, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Westminster Heights. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Westminster Heights

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 36% of Westminster Heights residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Westminster Heights driver can expect to pay about $156 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Westminster Heights, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.
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Auto Insurance Prices in and Around Westminster Heights

What Influences the Cost of Car Insurance in Westminster Heights?

On average, car insurance in Westminster Heights is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Westminster Heights is 25 minutes, which is far less than average for a driver in the city.
  • Florida state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Westminster Heights are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
  • Westminster Heights is a fairly densely populated area in the state. The neighborhood’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Westminster Heights is $233 per month for minimum coverage and $255 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Westminster Heights driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Westminster Heights with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.