The average cost of car insurance in Tampa is higher than in many neighboring cities — Tampa drivers pay an average of $3,664 a year for full coverage car insurance. Despite the high costs, drivers in Tampa can find their most affordable rates by shopping around and comparing quotes before picking a policy.
Policygenius can help you see options from top car insurance companies, so you can feel confident you're making the right choice for coverage.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Tampa, FL
Many factors impact how much you pay for car insurance, such as your age, gender, and driving record, but another factor is the car insurance company you choose.
Company | Average cost | JD Power Rating |
|---|---|---|
State Farm | $177/month | 882 |
GEICO | $198/month | 874 |
Travelers | $203/month | 854 |
Nationwide | $278/month | 868 |
AIG | $308/month | -- |
Cheapest car insurance rates by ZIP code in Tampa, FL
When pricing car insurance, companies consider factors like area population, neighborhood crime, extreme weather, and other hazards. These all help determine risk in your specific area.
ZIP code | Average cost |
|---|---|
33621 | $3,303 |
33647 | $3,309 |
33616 | $3,314 |
33611 | $3,328 |
33629 | $3,376 |
33609 | $3,487 |
33617 | $3,622 |
33620 | $3,658 |
33606 | $3,821 |
33610 | $3,836 |
Choosing the right car insurance company in Tampa, FL
There's no one right car insurance company for every driver in Tampa, so the best way to find the right coverage for you is to shop around and compare options from multiple companies.
Policygenius makes it easy to see quotes from top car insurance companies, so you can see which company will offer you the best coverage at the lowest rates.
Car insurance rates for drivers with driving violations in Tampa, FL
Another factor that car insurance companies consider is your driving record. Insurers will charge more for your car insurance if you have DUI on your record or were involved in a hit-and-run accident.
Violation | State Farm | GEICO | Travelers | Nationwide | AIG |
|---|---|---|---|---|---|
At-fault accident | $2,501 | $3,095 | $3,315 | $4,760 | $5,523 |
Suspended license | $2,323 | $2,335 | $3,752 | $7,267 | $5,571 |
Open container | $2,323 | $2,335 | $3,134 | $7,267 | $4,333 |
Expired registration | $2,323 | $2,335 | $3,134 | $3,911 | $5,326 |
Driving without lights | $2,323 | $2,335 | $3,134 | $3,333 | $5,326 |
Running a red light | $2,323 | $2,335 | $3,134 | $3,911 | $5,326 |
Following too closely | $2,323 | $2,335 | $3,134 | $3,911 | $5,326 |
Hit and run | $2,323 | $3,876 | $3,752 | $7,267 | $5,571 |
Not-at-fault accident | $2,159 | $2,335 | $2,524 | $3,333 | $3,862 |
Passing a school bus | $2,323 | $2,335 | $2,533 | $3,911 | $5,326 |
Reckless driving | $2,323 | $3,715 | $3,752 | $7,267 | $5,571 |
Cheapest car insurance for drivers with a DUI in Tampa, FL
At $2,796 per year, Florida drivers have some of the highest car insurance rates in the nation. Even with higher than average rates, Florida drivers with a DUI or DWI pay 44% more for car insurance, with an average of $4,036 per year.
Even with higher average rates, drivers with a DUI can still compare quotes to save money on their car insurance. According to our research, State Farm, Travelers, and GEICO have the lowest rates for drivers with a DUI in Tampa.
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $2,323 |
Travelers | $3,752 |
GEICO | $3,876 |
AIG | $4,333 |
Nationwide | $7,267 |
Cheapest car insurance for drivers with a speeding ticket in Tampa, FL
Getting a speeding ticket will also raise your car insurance rates. Drivers in Florida with a speeding ticket on their record pay an average of $3,527 per year for car insurance, which means avoiding speeding tickets can save you almost $700 per year on your car insurance rates.
According to our research, State Farm, GEICO, and Travelers have the cheapest average rates for Florida drivers with a speeding ticket.
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $2,323 |
GEICO | $3,715 |
Travelers | $3,752 |
Nationwide | $4,437 |
AIG | $5,326 |
Cheapest car insurance for drivers with bad credit in Tampa, FL
Your credit score could save you money on your car insurance, since drivers with great credit typically receive lower rates than the average policyholder. Alternatively, you may pay more for your car insurance if you have bad credit.
Company | Rates for drivers with bad credit |
|---|---|
AIG | $4,158 |
GEICO | $4,229 |
UAIC | $4,400 |
State Farm | $4,807 |
Farmers | $5,127 |
Buying car insurance in Tampa, FL
In most U.S. states, car insurance is a legal requirement to legally operate a vehicle. This ensures that you are protected, no matter what you may face on the road.
There are two types of car insurance required for Tampa drivers:
$10,000 of personal injury protection (PIP) coverage
$10,000 of property damage liability (PDL)
Florida is a no-fault state, which means that drivers involved in an accident are responsible for the cost of their own physical and medical damages. Florida is one of the 12 states with no-fault insurance in the U.S.
If you fail to carry the minimum amount of coverage, penalties for driving without car insurance in Florida can include license suspension of up to three years. To obtain a new license after suspension or revocation, you may face a reinstatement fee of $150 for the first offense, as well as other requirements. Florida law requires drivers to carry continuous coverage, even if they are not currently driving or have an inoperable vehicle.
Regardless of state law, it is always a good idea to carry more than the minimum amount of required car insurance. When you have extra protection, you can help prevent out-of-pocket losses should damages exceed your insurance coverage.
How to get cheap car insurance in Tampa, FL
There are several ways to lower the cost of your Tampa car insurance:
Consider your vehicle: Some vehicles may cost more to insure than others, such as luxury vehicles and newer models are more expensive to fix.
Improve your credit score: A higher credit score often means that you have a better chance of receiving more affordable rates.
Ask about discounts: There are several types of car insurance discounts that can save you money, such as welcome and loyalty savings, safe driver discounts, and lower rates when you bundle your auto and home insurance with the same provider.
Increase your deductible: When you raise your deductible, it can lower the cost of your monthly premiums. However, this could leave you financially vulnerable after a loss since you will have to pay more out-of-pocket before your insurance kicks in.
Shop and compare: Before you purchase or renew your car insurance policy, be sure to shop and compare quotes from today’s best car insurance companies.
Frequently asked questions
What is the cheapest car insurance in Tampa?
GEICO is the cheapest car insurance company in Tampa. We found that State Farm is the only company in the city that has an average cost below $2,128 per year.
How much is car insurance in Tampa?
Car insurance is very expensive in Tampa. On average, drivers pay $305 per month for coverage in the city.
Why is car insurance so expensive in Tampa?
Compared to the average cost of coverage in Florida, the cost of car insurance in Tampa is more expensive. This is due to crowded roadways, a high number of uninsured drivers, expensive medical bills, and frequent claims made by Tampa drivers.
Is car insurance required in Tampa?
Drivers in Tampa are required to carry a minimum of $10,000 in personal injury protection (PIP) coverage and $10,000 in property damage liability (PDL). However, it is a good idea to consider purchasing more than just the minimum amount of car insurance so you can ensure you are protected in case of an accident.
