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If only it was that easy to know what car insurance to buy. Tampanian’s know they have to have it, but sifting through so many options can be such a headache. And who has time for all that anyways? Finding the best insurance option quickly is this beachtown’s go-to solution for getting back on the road safely.
The average cost of Florida car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Tampa, FL to find you the cheapest quotes in the area.
Here are the cheapest carriers in Tampa for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
Progressive | $225/mo |
 Travelers | $281/mo |
 The General | $328/mo |
 Direct Auto | $349/mo |
 Mercury | $432/mo |
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Tampa. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 American Family | $565/mo | |
 Safeco | $399/mo | |
 Liberty Mutual | $367/mo | |
Mercury | $425/mo | |
Travelers | $328/mo |
| Jacksonville | $210/mo |
| Miami | $455/mo |
| Orlando | $234/mo |
| Hialeah | $534/mo |
| Tampa | $482/mo |
| Florida | $383/mo |
Click here to learn about car insurance quotes and save on your current policy.
All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Florida state is $10,000. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law.
The state minimum amount of property damage liability coverag required in the state of Florida is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident, up to the declared coverage limit.
While the Tampa sun may be great for younger people to enjoy, the same can’t be said for their car insurance rates. Young drivers tend to pay around $862 for insurance and as they reach their 20s and 30s, this rate falls to just about half of that. Rates usually level out for Tampa motorists once they hit 40, with small declines in price as they get older. Most residents here in their 80s don’t drive much, leading to premiums of $352 for this age range.
| Driver's Age | |
|---|---|
| teens | $862 |
| 20s | $472 |
| 30s | $392 |
| 40s | $410 |
| 50s | $392 |
| 60s | $341 |
| 70s | $367 |
| 80s | $353 |
| Driving History | |
|---|---|
| No Violation | $399 |
| Speeding Ticket | $444 |
| At-Fault Accident | $485 |
| Failure to Stop for Red Light / Stop Sign | $391 |
The idea of getting into a car accident in Tampa is scary on a lot of levels, but one thing drivers here are often worried about is the effect it will have on their car insurance premiums. Compared to the $398 rate of those with a clean driving history, Tampa drivers who cause an accident will see an increase of less than $100. Failing to stop at a stop sign and speeding will change premium prices to $390 and $443, respectively.
It’s smart to pay attention to your credit score, as you can often save a lot of money with great credit; however, in Tampa, that’s not necessarily a huge factor in car insurance rates. Drivers with poor credit pay $438, while boosting your score to the average level only saves about $15. Motorists can reduce their rate by another $15 when they move into the good tier, and finally, those with excellent credit can expect to pay around $370 a month.
| Credit Tie | |
|---|---|
| Excellent | $371 |
| Good | $409 |
| Average | $424 |
| Poor | $439 |
Like many DMVs across the country, Tampa’s locations offer driver’s license services and registration services at different facilities—though some places offer both. Locations are spread across Tampa and nearby locations—with five service centers in Tampa and others about a half hour away in Brandon, Plant City, and Ruskin. In-house services are going to mean some standing in line. If you don’t want that, there are plenty of things you can accomplish by using your computer or cell phone. With the state’s MyFlorida app, you can renew your vehicle or watercraft registration while you are walking around—in minutes. Equally as fast is taking care of your DMV transactions through their online web portal GoRenew.com.
There’s so much to see and do in Tampa, you won’t want to be caught without a ride to your next destination. You can get around by bus, rail, and even streetcar in this amazing town. Whether you are going downtown or headed directly to the waterfront, you can pick up the Hart bus downtown, explore Tampa’s urban center on the TECO line streetcar, or head to Tampa Union Station to catch Amtrak. Union Station is also a point of historic interest and an event center. Bikers and scooter enthusiasts aren’t without options here either. Although scooter vendors are shrinking, plenty of businesses have wheels at the ready, including Coast Bikes, Jump, and Spin.
It’s a busy place, Tampa. But worth it for all the fun in the sun, nightlife, and good times it offers. What’s not a good time in Florida? Being pulled over without your seat belt on or, worse yet, without insurance coverage.
Would you rather be sifting through the sand than pouring over insurance company details one vendor at a time? Insurify takes the drudgery out of insurance shopping by getting you to the 10 best insurance quotes right away instead of keeping you on the phone with insurance agent after insurance agent.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Tampa drivers measure up to their fellow Florida motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Tampa drivers rank 65 in the number of car accidents per driver across all cities in Florida.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Tampa drivers rank 99 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Tampa drivers rank 65 in the number of DUI’s per driver across all cities in Florida.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Tampa is the Toyota Corolla.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Florida, Tampa drivers rank 19 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Tampa drivers rank 49 in clean driving records across all cities in Florida.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Tampa drivers rank 49 in failure to yield violations per driver across all cities in Florida.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Florida, Tampa drivers rank 23 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Tampa drivers rank 93 in hybrid and electric vehicle ownership across all cities in Florida.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
