Cheap Car Insurance Quotes in Tampa, Florida (2025)

Tampa drivers can find the cheapest car insurance rates from State Farm. The insurer’s rates start at just $129 per month.

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Cheapest recent rates near Tampa, Florida

Recent Tampa, Florida car insurance prices for Hyundai, Audi, Subaru , and more.

*Quotes generated for Insurify users in and around Tampa, Florida within the last 10 days. Last updated on August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Tampa, Florida within the last 10 days. Last updated on August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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The average cost of car insurance in Tampa is $249 per month, significantly higher than the national average of $149 and the state average of $189.

The high car insurance rates are partly due to Florida’s severe weather risk. More hurricanes hit Florida than any other state in the U.S., and insurers factor that risk into their pricing. Tampa also ranks as one of the most congested cities in America, which increases collision risk and puts more wear and tear on cars in this Southwest Florida hub.[1]

But it’s still possible to find affordable car insurance if you live in Tampa. Here’s how.

Quick Facts
  • State Farm, Mile Auto, and GEICO have some of the cheapest car insurance in Tampa.

  • Liability insurance in Tampa costs $216 per month, and full coverage costs $310 per month, on average.

  • Drivers in Tampa pay the highest average car insurance rate compared to other Florida cities.

How much is car insurance in Tampa, FL?

Tampa car insurance costs much more than in Florida overall, and Tampa insurance costs are also much higher than the national average. In the table below, you can see how Tampa rates compare.

 
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Full Coverage
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Liability Only
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Tampa$285$214
Florida$219$158
National average$192$107
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance companies in Tampa

No single company will be the cheapest for everyone. In the table below, you can see some of the cheapest car insurance companies for Tampa drivers.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
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Full Coverage
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Liability Only
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State Farm$138$129
GEICO$196$194
Mile Auto$206$154
Allstate$241$225
Mercury$282$225
Travelers$287$267
Progressive$302$216
National General$310$295
Direct Auto$341$206
Infinity$362$253
Bristol West$370$271
The General$395$291
Foremost$433$263
Root$433$277
GAINSCO$464$299
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Best car insurance companies in Tampa

The best car insurance companies in Tampa may differ for every driver. That’s because each insurer sets rates using a combination of factors, such as gender, marital status, ZIP code, driving record, and credit history. The importance of each factor can also differ from one insurer to the next.

To find the best insurance coverage for your needs, it’s a good idea to compare quotes from multiple insurers. Keep the companies below in mind as you begin your search.

Insurance Company
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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
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Full Coverage
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Liability Only
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Best for
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State Farm9.3$103$93Affordability and reliability
GEICO9.2$150$144Discounts
Hugo6.3N/A$394Pay-as-you-go insurance
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for affordability and reliability: State Farm

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$129/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$138/mo
4.1
Best choiceBased on 11,395 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,083)
Robert
Verified Review
State Farm Doing the Lord's Work
Reviewed in Florida on August 2025
They were quick on the phone when I needed insurance for my new car at the dealership, and they gave me the best rate (about $150 less a month) out of the 3 or 4 that I called.
Christopher
Verified Review
State Farm too expensive.
Reviewed in Florida on August 2025
Constant price increases are never a good thing.
Scott
Verified Review
State Farm: High on Cost, Low on Actual Service
Reviewed in Texas on August 2025
Absolutely painful. Exactly what you think of when discussing insurance companies. The agent is super active to get you to sign up, disappears entirely while you are a customer, and won’t get involved at all when you need something, but tries to be your best friend when you move to cancel.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm has some of the lowest rates for many of Tampa’s residents, including teens, seniors, and drivers with a moving violation on their record. The company has a number of coverage options and offers 14 advertised discounts, and it employs insurance agents in more than 130 cities in Florida.

The company also receives high marks for customer satisfaction in the region. Among car insurance companies in Florida, State Farm took the top spot in the J.D. Power 2023 U.S. Auto Insurance Study. It also earned the highest possible rating by AM Best for financial strength (A++ Superior).

Pros
  • Provides car insurance for many types of drivers, including rideshare drivers

  • Strong customer service ratings in Florida

Cons
  • Accident forgiveness not available

  • Doesn’t offer gap insurance

Best insurer for discounts: GEICO

User Reviews
3.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$194/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$196/mo
3.9
A solid optionBased on 12,072 verified guest reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,453)
Gary
Verified Review
I have never had to file a claim, so I can't comment on that aspect. However, I'm not happy that the cost increases with every new six-month term.
Reviewed in New Jersey on August 2025
I have never had to file a claim, so I can't comment on that aspect. However, I'm not happy that the cost increases with every new six-month term.
Dean
Verified Review
Selecting the Best Company
Reviewed in Nevada on August 2025
Always compare rates every 4 years. Verify discounts.
Sherryll
Verified Review
GEICO Car Insurance has been very reliable & affordable over the years.
Reviewed in Connecticut on August 2025
Very responsive whenever I have needed help.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

The annual cost of liability-only car insurance in Tampa is $214 per month, on average, which is significantly higher than the state average. But GEICO consistently offers very competitive rates in Florida, and you may be able to lower your premium even further with GEICO’s 16 advertised discounts. The discount menu includes a 15% discount for military members, which could benefit the approximately 320,000 veterans living in the Tampa area.

Pros
  • Offers 16 advertised discounts

  • Strong J.D. Power customer service ratings in Florida

Cons
  • Drivers with certain moving violations may pay more

  • Rideshare and new-car replacement coverage not available

Best insurer for pay-as-you-go insurance: Hugo

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$394/mo
4.1
Best choiceBased on 154 verified guest reviews and ratings
How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (57)
Andrea
Verified Review
Excellent
Reviewed in Georgia on April 2025
Hugo is awesome.
Donna
Verified Review
No Thanks
Reviewed in Georgia on April 2025
In my experience, Hugo is an option for people who are struggling. However, it seems to exploit those who are struggling because the insurance only covers the minimum requirements. This means that the policyholder will be fully responsible and have to pay out of pocket for anything that goes wrong with the vehicle.
Rebekah
Verified Review
Never Able to Speak with Customer Service, So I Switched!
Reviewed in Georgia on March 2025
I was never able to speak with someone, so I switched!
See all Hugo reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Hugo Insurance offers pay-as-you-drive auto insurance policies with flexible terms and no required up-front payments. You can choose from three coverage options, including a short-term flex policy, an unlimited basic liability policy, and a full-coverage option that includes liability, comprehensive, collision, medical, and accidental death coverage. Some plans allow you to start and pause coverage as needed without paying a fee.

The insurer currently offers coverage in 13 states, including Florida, with plans to expand into other regions.

Pros
  • Offers pay-as-you-go plans

  • Policyholders can start and stop coverage at any time

Cons
  • Only a few available coverage types

  • Must live in one of 13 states to receive coverage

How to get the cheapest car insurance in Tampa

Here are some strategies you can use to get the cheapest car insurance and the right coverage in Tampa:

  • Drive safely. Drivers who avoid at-fault accidents, speeding tickets, and other serious driving violations tend to save money on their car insurance premiums. You may also qualify for a discount if you take a defensive driving course.

  • Adjust your coverage. You can make a number of changes to your car insurance policy to lower your car insurance costs, such as increasing your deductible and canceling optional coverage. But consider carrying enough car insurance to help you pay for costs after an accident.

  • Take advantage of discounts. Most insurance companies offer discounts to customers who bundle multiple insurance policies, earn good grades, and maintain a clean driving record.

  • Compare car insurance quotes. Compare rates from at least three car insurance companies before choosing a policy. Each insurer weighs factors differently, so you may find lower rates for the same coverage from different companies.

Cheapest recent rates near Tampa, Florida

Recent Tampa, Florida car insurance prices for BMW, Hyundai, Audi , and more.

*Quotes generated for Insurify users in and around Tampa, Florida within the last 10 days. Last updated on August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Tampa, Florida within the last 10 days. Last updated on August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Florida

In Florida, drivers must carry at least $10,000 in personal injury protection (PIP) coverage and another $10,000 for property damage liability. PIP pays for medical expenses after an accident, regardless of who’s at fault. The state doesn’t require drivers to carry bodily injury coverage.[2]

Coverage
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Minimum Requirements
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Personal injury protection (PIP)$10,000
Property damage liability$10,000

If you want more insurance protection in Florida, you may be able to purchase additional coverages, including:

  • illustration card https://a.storyblok.com/f/162273/150x150/c09380c3c0/car-dashboard-96x96-orange_045-airbag.svg

    Bodily injury liability coverage

    While you don’t have to buy bodily injury liability coverage to drive legally in Florida, it can help you financially if you cause an accident. This type of insurance covers the other driver’s repair bills and medical expenses.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance pays for your expenses after you’re in a car accident or your car hits a stationary object, like a tree or light pole, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance will pay to repair or replace your vehicle following damage from something other than car accidents, such as fire, theft, and vandalism.

Cheapest car insurance for drivers with an incident

Incidents on your driving record can heavily affect your car insurance premium. Things like at-fault accidents, speeding tickets, and driving under the influence (DUI) violations can drive up your costs because car insurers will consider you a riskier driver. Drivers with clean records, on the other hand, typically pay the lowest rates.

Shop for Car Insurance in Tampa, FL

Monthly rates start at $147 for drivers with an incident

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ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: State Farm

As a driver, speeding is dangerous because you have less time to react to hazards on the road and risk losing control of your vehicle. This elevated risk helps explain why insurers typically charge higher rates when a person has a speeding ticket on their driving record.

Tampa drivers with a speeding ticket pay a monthly average of $242 for liability insurance.

You can compare average quotes from different insurers below.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
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Clean Driving Record
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With Speeding Ticket
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State Farm$129$150
Mile Auto$154$173
GEICO$194$234
Direct Auto$206$243
Progressive$216$244
Mercury$225$288
Allstate$225$263
Infinity$253$304
Foremost$263$314
Travelers$267$316
Bristol West$271$322
Root$277$342
The General$291$362
National General$295$345
GAINSCO$299$336
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you cause a car accident, insurance companies will likely view you as a higher risk than a person with a clean driving record. Your insurer may increase your premium depending on the severity and circumstances of the incident and your driving history. But some insurers offer accident forgiveness coverage, which keeps your rates steady after your first at-fault accident.

Finding affordable insurance after an at-fault accident isn’t impossible, but expect much higher prices. Liability rates after an accident in Tampa average $269 per month.

Here are average liability-only quotes from several insurers for drivers with an at-fault accident.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
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Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
State Farm$129$161
Mile Auto$154$196
GEICO$194$230
Direct Auto$206$267
Progressive$216$271
Mercury$225$313
Allstate$225$281
Infinity$253$315
Foremost$263$336
Travelers$267$338
Bristol West$271$343
Root$277$343
The General$291$383
National General$295$369
GAINSCO$299$367
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

A driving under the influence, or DUI, violation is a serious traffic offense that comes with major penalties in Florida. A first DUI offense in Florida comes with a fine of up to $2,000, up to six months in jail, and the loss of your driver’s license for up to three years.[3]

These penalties increase for subsequent offenses. Furthermore, the state may require you to file an FR-44 insurance form after a DUI, which will increase your rates for three years or longer.[4]

Tampa drivers with a DUI on their record pay an average of $263 per month for liability insurance.

Compare average liability quotes from the following insurers that offer coverage to drivers with a DUI.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
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Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
State Farm$129$178
Mile Auto$154$212
GEICO$194$267
Direct Auto$206$284
Progressive$216$266
Mercury$225$309
Allstate$225$310
Infinity$253$348
Foremost$263$362
Travelers$267$367
Bristol West$271$373
Root$277$381
The General$291$401
National General$295$406
GAINSCO$299$412
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Age has a big effect on what you pay for car insurance. Generally, rates start high for teenagers, decrease for most drivers in their 30s, and decline steadily over the next four decades. Drivers then tend to pay more after age 70 because they experience aging-related risk factors that lead to more accidents.

But it’s still possible for Tampa’s senior residents to find affordable car insurance. Senior drivers in Tampa pay a monthly average of $187 for liability coverage.

Here’s how average quotes from several different insurers vary for senior drivers.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
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Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$102$109
Mile Auto$120$161
GEICO$154$156
Direct Auto$164$272
Infinity$183$262
Allstate$185$198
Mercury$188$236
Progressive$189$264
Travelers$213$229
Bristol West$224$306
Foremost$226$372
National General$230$242
Root$235$367
The General$238$323
GAINSCO$252$391
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Car insurance rates are highest for teen drivers due to their limited driving experience and habit of taking risks on the road.[5] These factors lead to a higher rate of fatal crashes in this age group.

Liability insurance for Tampa teen drivers costs $369 per month, on average.

Even though teenagers generally pay more for car insurance, many companies offer discounts to help young drivers save money. For example, teen drivers can get a price break if they earn good grades to qualify for discounts, join their parents’ existing policy, and drive a safe car.

Here are some of the cheapest average quotes offered to teen drivers in Tampa.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$236$253
Mile Auto$307$410
GEICO$335$339
Progressive$372$521
Direct Auto$392$649
Mercury$408$511
Allstate$427$457
Infinity$457$654
Root$468$731
Bristol West$469$641
The General$482$655
Foremost$485$798
Travelers$513$551
GAINSCO$540$839
National General$580$609
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Tampa car insurance quotes by credit tier

Florida allows insurance companies to use drivers’ credit history as a factor in determining premiums. State law requires the Florida Department of Insurance to regulate how insurers use credit.

This law protects consumers in Florida with several important rules:

  • Insurance companies in Florida can’t use credit as the only factor in setting insurance rates.

  • Insurers can’t request a credit report or score based solely on details like race, religion, age, gender, income, or marital status.

  • An insurer that makes an adverse decision based on the driver’s credit must supply the driver with an explanation and a copy of the credit report used.

  • Insurance companies must tell consumers how to appeal credit-based decisions.

State law also provides rules for special circumstances, such as drivers who lack a credit history. 

Even with these protections, credit history can affect how much drivers in Tampa pay for auto insurance. Drivers with excellent or good credit scores generally pay lower rates than people with poor credit scores.

Here are the average monthly quotes for full-coverage auto insurance in Tampa by credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cost of car insurance in other Florida cities

Insurify data shows drivers in Tampa pay the highest average rate than any other city in Florida. Even other large cities, such as Miami and Orlando, have lower average rates. Here’s a comparison of average car insurance quotes in other major cities throughout Florida compared to Tampa.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

City
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Vero Beach$120$177
Gainesville$122$181
North Port$122$178
Sarasota$124$168
Cocoa$126$183
Venice$126$158
Eustis$127$182
Milton$127$189
Pensacola$128$198
Saint Augustine$128$165
Clermont$135$199
Ocala$139$191
Panama City$139$176
Naples$139$200
Bradenton$140$189
Melbourne$141$188
Tallahassee$142$202
Altamonte Springs$144$215
Punta Gorda$146$174
Cape Coral$146$212
Port Orange$148$181
Fort Myers$149$206
Lakeland$150$202
Spring Hill$152$228
Jupiter$152$198
Sanford$153$214
Saint Cloud$154$210
Jacksonville$154$223
Palm Bay$157$182
Winter Springs$160$199
Palm Harbor$160$231
Miami Beach$160$244
Davenport$161$233
Largo$161$203
Clearwater$162$197
Kissimmee$162$221
Orange Park$162$212
Daytona Beach$163$208
Palm Beach Gardens$163$241
Oviedo$163$223
Winter Haven$164$213
Wesley Chapel$165$253
Saint Petersburg$166$224
New Port Richey$169$239
Deltona$170$220
Apopka$170$216
Holiday$172$248
Riverview$172$268
Coral Springs$173$235
North Miami Beach$173$280
Orlando$175$230
Wellington$176$261
Pinellas Park$178$213
Deerfield Beach$179$247
Hollywood$180$254
Plant City$188$215
Homestead$189$267
Pompano Beach$190$247
West Palm Beach$191$258
Fort Lauderdale$192$253
Brandon$197$265
Lake Worth$199$256
Miami$203$280
Boynton Beach$209$287
Miami Gardens$213$298
Delray Beach$214$272
Tampa$214$285
Hialeah$230$302
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Tampa car insurance FAQs

If you’re shopping for car insurance in Tampa, this additional information may help as you research your coverage options.

  • How much is car insurance in Tampa?

    On average, car insurance in Tampa costs $285 per month for full coverage and $214 for liability-only insurance. Your rate depends on factors like your location, driving record, age, and gender.

  • Which company has the cheapest car insurance in Tampa?

    State Farm offers the cheapest car insurance rates in Tampa, at $129 per month for liability-only coverage. Tampa drivers can also find cheap rates from Mile Auto and GEICO, which have liability rates of $154 and $194 per month, respectively.

  • What are the best car insurance companies in Tampa?

    State Farm, GEICO, and Hugo are the best car insurance companies in Tampa. All boast high Insurify Quality (IQ) Scores and strong financial strength ratings.

    The best car insurance company for you may be different since everyone has unique insurance needs and financial situations.

  • What factors affect the cost of car insurance in Tampa?

    Things like driving record, age, and vehicle type all affect the cost of car insurance in Tampa, just like they would in any other state. But drivers in Tampa face unusually high rates because of the state’s severe weather. Florida experiences hurricanes and coastal flooding, which causes insurers to increase rates.

  • What are Florida’s minimum car insurance requirements?

    Florida drivers must carry at least $10,000 in personal injury protection (PIP) coverage and $10,000 in property damage liability insurance.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Related articles

Sources

  1. NPR. "4 reasons why your car insurance premium is soaring."
  2. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  3. Florida Department of Highway Safety and Motor Vehicles. "Florida DUI and Administrative Suspension Laws."
  4. Florida Department of Highway Safety and Motor Vehicles. "DUI Frequently Asked Questions."
  5. National Highway Traffic Safety Administration. "Teen Driving."
Kim Porter
Kim Porter

Kim Porter is a writer and editor who's been creating personal finance content since 2010. Before transitioning to full-time freelance writing in 2018, Kim was the chief copy editor at Bankrate, a managing editor at Macmillan, and co-author of the personal finance book "Future Millionaires' Guidebook." Her work has appeared in AARP's print magazine and on sites such as U.S. News & World Report, Fortune, NextAdvisor, Credit Karma, and more. Kim loves to bake and exercise in her free time, and she plans to run a half marathon on each continent.

Kim has been a contributor at Insurify since October 2022.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
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Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Shawn Powers
Reviewed byShawn PowersVP of Insurance Sales at Insurify
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Shawn PowersVP of Insurance Sales at Insurify
  • Licensed insurance agent for 25+ years

  • 15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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