Cheapest Auto Insurance in Tampa, Florida (2024)
Tampa drivers can find the cheapest car insurance rates from State Farm. The insurer’s rates start at just $93 per month.
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Written byKim Porter
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Co-authored the book “Future Millionaires’ Guidebook”
13 years writing personal finance content
A former chief copy editor at Bankrate and past managing editor at Macmillan, Kim specializes in writing easy-to-understand, actionable personal finance content.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Reviewed byShawn Powers
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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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Data reviewed byKonstantin Halachev
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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.
Updated November 20, 2024
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Table of contents
The average cost of car insurance in Tampa is $282 per month, significantly higher than the national average of $154 and the state average of $203.
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]
However, it’s still possible to find affordable car insurance if you live in Tampa. Here’s how.
Quick Facts
State Farm is the cheapest insurer in Tampa for liability policies, while State Farm is the cheapest for full coverage.
Liability insurance in Tampa costs $232 per month, and full coverage costs $332 per month, on average.
Drivers in Tampa pay the highest average car insurance rate compared to other Florida cities.
3 of the cheapest car insurance companies in Tampa
The cheapest 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 ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $83 | $68 | Affordability and reliability |
| GEICO | 9.0 | $86 | $69 | Discounts |
| Hugo | 7.0 | N/A | $340 | Pay-as-you-go insurance |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 28,000 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 | 4.2 |
|---|---|
| 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. | $93/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. | $117/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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 | 4.0 |
|---|---|
| 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. | 9.0 /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. | $96/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. | $119/mo |
4.0
Best choiceBased on 10271 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,647)
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
Chris
November 18, 2024
Verified Review
Poor
The customer service is below average and terrible.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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 $232 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. | 7.0 /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. | $340/mo |
4.1
Best choiceBased on 121 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
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 excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (45)
Javier
November 12, 2024
Verified Purchase
Hugo Insurance is the Best
Hugo was wonderful. We paid for car insurance at a good, low price. It was exactly what we needed to look into. Due to our income, paying for two vehicles for less than $100 is an awesome price. Thank you, Hugo. I recommend others to try it out.
Gabrielle
November 2, 2024
Verified Review
Good
The price is amazing.
Dawn
October 21, 2024
Verified Review
Paying Too Much
It's pretty expensive and they don't really provide much coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy 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
The best car insurance company for you depends on your financial situation and insurance needs. Every car insurance company has a different way of setting rates, using factors like your driving record, age, marital status, credit history, and location. That means you’ll need to compare quotes from multiple insurers to see where you can save the most on your coverage.
Here are some additional 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 plan to lower your car insurance costs, such as increasing your deductible and canceling optional coverage. However, 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.
Find Car Insurance in Tampa, Florida
Rates start at $93 per month for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Tampa: State Farm
If you cause a car accident, liability car insurance will pay for the other driver’s medical expenses and car repair bills. This type of insurance is cheaper than a full-coverage policy because it won’t pay for your own costs following a collision. But it may cost more in the long run if you’re involved in an accident and have to pay for your own bills out of pocket.
Liability insurance in Tampa costs $232 per month, on average. Find additional cheap liability-only coverage options for Tampa drivers below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $93 |
| GEICO | $96 |
| Mile Auto | $158 |
| Allstate | $163 |
| Travelers | $193 |
| Mercury | $213 |
| Direct Auto | $222 |
| Safeco | $247 |
| Progressive | $253 |
| Infinity | $269 |
| Foremost | $289 |
| GAINSCO | $311 |
| Bristol West | $343 |
| National General | $388 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Tampa: State Farm
Drivers in Tampa may want to consider full-coverage car insurance because it provides more protection than liability-only coverage. A full-coverage policy typically carries collision coverage, which pays for damage to your own car if you cause an accident, along with comprehensive coverage, which pays for vehicle damage from non-collision incidents like fire, theft, and weather hazards.
Comprehensive coverage can be especially important during hurricane season in Florida, which runs from June 1–Nov. 1.[2] A single hurricane can damage hundreds of thousands of cars in the affected area. If this happens to your car, comprehensive insurance may help cover the costs of repairing or replacing your vehicle.
Additionally, if you lease or finance your car, your lender may require you to purchase full-coverage insurance to protect its asset.
Tampa drivers pay an average of $332 per month for full-coverage insurance. Here are several insurers that offer the cheapest full-coverage car insurance options in Tampa.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $117 |
| GEICO | $119 |
| Allstate | $201 |
| Mile Auto | $204 |
| Travelers | $240 |
| Safeco | $258 |
| Mercury | $265 |
| Progressive | $371 |
| Infinity | $378 |
| National General | $404 |
| GAINSCO | $431 |
| Direct Auto | $432 |
| Foremost | $438 |
| Bristol West | $492 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Tampa, Florida
Drivers in and around Tampa, Florida have found policies from State Farm, Mile Auto, Kemper Standard, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Tampa, Florida within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 20, 2024. 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 November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 20, 2024. 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.[3]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| 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:
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.
Collision coverage
Collision insurance pays for your own expenses after you’re in a car accident or your car hits a stationary object, like a tree or light pole, regardless of fault.
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 $108 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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.
The cheapest car insurance for Tampa drivers with a speeding ticket is $111 per month, from State Farm.
You can compare average quotes from different insurers below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $93 | $111 |
| GEICO | $96 | $116 |
| Mile Auto | $158 | $192 |
| Allstate | $163 | $197 |
| Travelers | $193 | $235 |
| Mercury | $213 | $277 |
| Direct Auto | $222 | $268 |
| Safeco | $247 | $303 |
| Progressive | $253 | $303 |
| Infinity | $269 | $336 |
| Foremost | $289 | $378 |
| GAINSCO | $311 | $406 |
| Bristol West | $343 | $417 |
| National General | $388 | $471 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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. However, 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 $305 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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $93 | $119 |
| GEICO | $96 | $125 |
| Mile Auto | $158 | $210 |
| Allstate | $163 | $211 |
| Travelers | $193 | $252 |
| Mercury | $213 | $296 |
| Direct Auto | $222 | $294 |
| Safeco | $247 | $317 |
| Progressive | $253 | $330 |
| Infinity | $269 | $340 |
| Foremost | $289 | $400 |
| GAINSCO | $311 | $385 |
| Bristol West | $343 | $443 |
| National General | $388 | $502 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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.[4] 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.[5]
Florida drivers with a past DUI may struggle to find affordable car insurance, but several insurance companies offer coverage for drivers with this type of conviction on their records. The cheapest car insurance you’ll find in Tampa with a DUI is $147 per month, from State Farm.
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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $93 | $147 |
| GEICO | $96 | $152 |
| Mile Auto | $158 | $250 |
| Allstate | $163 | $258 |
| Travelers | $193 | $305 |
| Mercury | $213 | $310 |
| Direct Auto | $222 | $351 |
| Safeco | $247 | $361 |
| Progressive | $253 | $400 |
| Infinity | $269 | $426 |
| Foremost | $289 | $457 |
| GAINSCO | $311 | $492 |
| Bristol West | $343 | $543 |
| National General | $388 | $614 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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. The cheapest insurer for senior drivers in Tampa is State Farm, with a monthly liability rate of $71.
Here’s how average quotes from several different insurers vary for senior drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $71 | $90 |
| GEICO | $75 | $93 |
| Mile Auto | $118 | $152 |
| Allstate | $129 | $159 |
| Travelers | $149 | $185 |
| Mercury | $166 | $206 |
| Direct Auto | $170 | $332 |
| Progressive | $180 | $264 |
| Infinity | $203 | $286 |
| Safeco | $208 | $217 |
| Foremost | $228 | $345 |
| GAINSCO | $257 | $356 |
| Bristol West | $271 | $389 |
| National General | $292 | $304 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: GEICO
Car insurance rates are highest for teen drivers due to their limited driving experience and habit of taking risks on the road.[6] These factors lead to a higher rate of fatal crashes in this age group.
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.
GEICO is the cheapest insurer for teenagers in Tampa, with liability-only rates of $151 per month.
Here are some of the cheapest average quotes offered to teen drivers in Tampa.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| GEICO | $151 | $187 |
| State Farm | $158 | $198 |
| Allstate | $287 | $354 |
| Mile Auto | $303 | $391 |
| Travelers | $345 | $429 |
| Mercury | $372 | $463 |
| Direct Auto | $401 | $781 |
| Progressive | $438 | $643 |
| Safeco | $470 | $491 |
| Infinity | $477 | $671 |
| Foremost | $507 | $769 |
| GAINSCO | $530 | $734 |
| Bristol West | $570 | $818 |
| National General | $756 | $787 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 premium rates. 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.[7]
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.
Is car insurance more expensive in Tampa?
Yes. In Tampa, car insurance rates are more than twice the national average. Drivers in the Tampa area pay $282 per month, compared to the state average of $203 and the national average of $154.
This may be due to Florida’s severe weather risk, as hurricanes can result in more claims statewide. And on a local level, traffic in the Tampa area may increase collision rates and drive up car insurance costs.
More cities in Florida
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.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Daytona Beach | $145 | $233 |
| Fort Lauderdale | $202 | $310 |
| Jacksonville | $148 | $247 |
| Miami | $217 | $354 |
| Naples | $138 | $219 |
| Orlando | $167 | $263 |
| Saint Petersburg | $180 | $268 |
| Tallahassee | $136 | $218 |
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.
Tampa car insurance FAQs
Finding the right car insurance can be a challenge. Below are answers to some of the most commonly asked questions about car insurance in Tampa.
How much is car insurance in Tampa?
On average, car insurance in Tampa costs $332 per month for full coverage and $232 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 $93 per month for liability-only coverage. Tampa drivers can also find cheap rates from GEICO and Mile Auto, which have liability rates of $96 and $158 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 Insurify Quality (IQ) Scores of 3.5 out of 5 or higher and have strong financial strength ratings.
The best car insurance company for you may be different since everyone has unique insurance needs and financial situations. Always compare quotes from multiple insurers before buying a policy.
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. However, 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 50+ 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
- 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
More cities in Florida
Sources
- NPR. "4 reasons why your car insurance premium is soaring."
- Emergency Management - Monroe County, FL. "HURRICANE HISTORY & INFO."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- Florida Department of Highway Safety and Motor Vehicles. "Florida DUI and Administrative Suspension Laws."
- Florida Department of Highway Safety and Motor Vehicles. "DUI Frequently Asked Questions."
- NHTSA. "Teen Safe Driving: How Teens Can Be Safer Drivers."
- Official Internet Site of the Florida Legislature. "The 2023 Florida Statutes (including Special Session C)."
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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.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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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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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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