120+ more*Quotes generated for Insurify users in and around Tampa, Florida within the last 10 days. Last updated on May 28, 2026. 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 May 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years experience in personal finance writing
Personal finance blogger
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
Progressive offers the cheapest car insurance in Tampa.
Tampa’s car insurance rates tend to be higher than the state average.
In 2025, almost one in four crashes in Hillsborough County were hit-and-run crashes.[1]
Tampa drivers log about 8,678 miles each year, according to Insurify data. The average cost of car insurance in Tampa is $283 per month for full coverage and $178 per month for liability coverage — higher than nearby Brandon and Orlando and above the state average.
Tampa’s population density of nearly 3,400 people per square mile far exceeds the Florida average of 401 per square mile.[2] In a City of Tampa community survey, residents identify traffic flow and road quality as top concerns, pointing to broader transportation challenges, including traffic congestion.[3] More cars on the road can lead to more accidents, pushing up insurance rates.
You can compare average car insurance quotes in Tampa to the Florida state average below.
Car Insurance Costs in Tampa vs. Florida  | Average Monthly Quote |
|---|---|
| Tampa average | $231 |
| Florida average | $185 |
If you’re in search of the best auto insurance quotes in Tampa, Progressive offers the cheapest average rates for liability insurance, at $95 per month.
You can find the cheapest full-coverage rates from State Farm, at $163 per month.
Check quotes from 120+ top insurance companies
Tampa has a few risks that drivers should be aware of. Flooding is Hillsborough County’s most costly and frequent natural disaster.[4] Even six inches of water can reach the bottom of your car, causing loss of control or stalling, so you should never drive through flooded streets.
It’s also a good idea for drivers in Tampa to watch for congestion from tourists. The Gasparilla Pirate Fest is the third-largest parade in the country, winding 4.5 miles along Bayshore Boulevard each January. Tampa also welcomed more than 1.7 million sports fans in 2025 for major events, including NFL and NHL games, the NCAA Women’s Final Four, and Tampa Bay Rays games.
You might also consider uninsured motorist coverage in Tampa in case a driver without insurance hits you. Florida ranks No. 7 in the nation for uninsured drivers, with more than one in five drivers on the road without coverage, according to the Insurance Information Institute.[5]
The Tampa-St. Petersburg-Clearwater metro recorded 1,536 vehicle thefts in the first half of 2025, down 28% year over year, according to the National Insurance Crime Bureau. In July 2025, Tampa police dismantled a car-theft-and-burglary ring operating across Hillsborough and Pinellas counties. Auto burglaries also fell by almost 36% last year.
While theft is trending down, the metro still ranks No. 42 nationally by volume, which can drive up the cost of comprehensive coverage in Tampa.
Auto insurance in Tampa costs more than the state average and more than in neighboring cities like St. Petersburg and Clearwater. It’s the fourth-most expensive city for auto insurance in Florida, behind only Miami Gardens, Boynton Beach, and Hialeah, according to Insurify data.
Across the state, Venice has the cheapest average rates, while Miami Gardens has the most expensive.
Tampa’s coastal location exposes drivers to more severe weather than inland cities like Orlando. In 2024, the Tampa Bay area saw storm surge exceeding seven feet in September from Hurricane Helene, with forecasts predicting up to 15 feet from Hurricane Milton.[6]
You can compare car insurance quotes in Tampa to those in other major Florida cities in the table below.
City | Average Monthly Quote |
|---|---|
| Apopka | $187 |
| Cape Coral | $163 |
| Clearwater | $172 |
| Davenport | $183 |
| Daytona Beach | $173 |
| Fort Lauderdale | $211 |
| Fort Myers | $172 |
| Gainesville | $152 |
| Jacksonville | $180 |
| Jupiter | $159 |
| Lakeland | $171 |
| Melbourne | $157 |
| Miami | $229 |
| Miami-Gardens | $258 |
| Naples | $160 |
| Ocala | $163 |
| Orlando | $200 |
| Palm Bay | $163 |
| Panama City | $147 |
| Pensacola | $158 |
| Pompano Beach | $209 |
| Riverview | $210 |
| Saint Petersburg | $181 |
| Sarasota | $151 |
| Spring Hill | $191 |
| Tallahassee | $161 |
| Tampa | $231 |
| Venice | $130 |
| West Palm Beach | $213 |
| Winter Haven | $175 |
The Florida Department of Transportation (FDOT) recognizes Tampa’s downtown Interstate 275 and I-4 interchange as one of the most congested freight interchanges in the country, with drivers regularly experiencing backups.[7]
FDOT also recently replaced the Howard Frankland Bridge, which serves 200,000 travelers daily between Tampa and St. Petersburg, increasing its capacity by 50%. The average commute time in Tampa is 25 minutes, below the Florida average of 28 minutes.[2]
Tampa police maintain a dedicated driving under the influence (DUI) squad and participate in the National Highway Traffic Safety Administration’s “Drive Sober or Get Pulled Over” campaign to reduce impaired driving fatalities.
DUI convictions stay on your record for 75 years in Florida, affecting your insurance rates long-term. You may also have to file an SR-22, which is an insurance form the state requires after certain violations that proves you meet the state’s minimum liability coverage requirements.
Tampa car insurance is expensive due to a combination of coastal weather exposure, population density, and vehicle theft.
Hillsborough County recorded 24,943 crashes in 2025, with nearly one in four involving a hit-and-run driver, according to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) Crash Dashboard. Florida also has a high uninsured motorist rate of about 21%.
To meet Florida car insurance requirements, you must carry at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). Unlike most states, Florida law doesn’t require bodily injury liability.
The average rate for liability coverage in Tampa is $178 per month — higher than the state average but more affordable than full coverage. Below are quotes for cheap liability car insurance in Tampa, with Progressive offering the cheapest rates.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $95 |
| State Farm | $101 |
| Mile Auto | $102 |
| Clearcover | $104 |
| GEICO | $115 |
| Dairyland | $121 |
| Embark | $129 |
| Infinity | $131 |
| Mercury | $145 |
| Direct Auto | $148 |
| GAINSCO | $149 |
| The General | $157 |
| Bristol West | $169 |
| Allstate | $174 |
| AssuranceAmerica | $177 |
| National General | $178 |
| Root | $183 |
| Travelers | $208 |
| Mendota | $275 |
| First Acceptance | $283 |
| Liberty Mutual | $285 |
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Tampa drivers may want to consider a full-coverage auto insurance policy to protect against the city’s exposure to severe weather. Flooding is one of Hillsborough County’s greatest natural disaster risks, occurring anywhere after heavy or steady rain. Low-lying areas near lakes and rivers are most susceptible.
Full coverage averages $283 per month, which is higher than in most Florida cities, with the lowest rates from State Farm. The table below shows the cheapest full-coverage car insurance in Tampa.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $163 |
| Progressive | $175 |
| Mile Auto | $191 |
| Mercury | $225 |
| GEICO | $231 |
| National General | $239 |
| Direct Auto | $254 |
| Clearcover | $255 |
| Bristol West | $269 |
| Allstate | $283 |
| Infinity | $283 |
| The General | $299 |
| Embark | $311 |
| AssuranceAmerica | $321 |
| Root | $336 |
| Travelers | $336 |
| GAINSCO | $350 |
| Liberty Mutual | $371 |
| Dairyland | $390 |
| First Acceptance | $417 |
| Mendota | $432 |
*Quotes generated for Insurify users in and around Tampa, Florida within the last 10 days. Last updated on May 28, 2026. 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 May 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
A speeding ticket in Tampa can cost between $25 and $250, with doubled fines in school and construction zones.[8] Going too fast can also add three to four points to your license.
Insurify data shows that almost 3% of Tampa drivers have a speeding ticket on their driving record, with drivers paying an average of $207 per month for coverage. The table below shows cheap Tampa car insurance for drivers with a speeding ticket, with Progressive offering the lowest quotes.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $111 |
| Mile Auto | $120 |
| State Farm | $124 |
| Clearcover | $128 |
| Dairyland | $145 |
| GEICO | $146 |
| Embark | $150 |
| Infinity | $161 |
| GAINSCO | $172 |
| Direct Auto | $180 |
| Mercury | $194 |
| The General | $203 |
| Bristol West | $206 |
| National General | $214 |
| AssuranceAmerica | $218 |
| Allstate | $219 |
| Root | $236 |
| Travelers | $261 |
| Mendota | $321 |
| First Acceptance | $330 |
| Liberty Mutual | $351 |
Almost 5% of Tampa drivers have an at-fault accident on their driving record, according to Insurify data. Florida is a no-fault state, which means your PIP coverage pays for medical expenses after a car accident, regardless of who caused the accident.
After an accident, drivers pay an average of $227 per month for coverage. Tampa drivers can find the most affordable rates from Progressive. Here are quotes for the cheapest car insurance in Tampa for drivers with an at-fault accident on their driving record.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $121 |
| State Farm | $132 |
| Mile Auto | $135 |
| Clearcover | $146 |
| GEICO | $149 |
| Dairyland | $157 |
| Embark | $164 |
| Infinity | $171 |
| GAINSCO | $188 |
| Direct Auto | $198 |
| The General | $213 |
| Mercury | $214 |
| Bristol West | $219 |
| Allstate | $230 |
| AssuranceAmerica | $231 |
| National General | $233 |
| Root | $242 |
| Travelers | $276 |
| Mendota | $351 |
| First Acceptance | $361 |
| Liberty Mutual | $372 |
The FLHSMV recorded 449 impaired-driving crashes in Hillsborough County in 2025. Less than 1% Tampa drivers have a DUI on their driving record, according to Insurify data. Insurers classify drivers with a DUI as high risk and raise car insurance rates for these drivers.
The average cost of insurance for Tampa drivers after a DUI is $234 per month. After a DUI, you can find the cheapest quotes from the companies in the table below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $125 |
| State Farm | $139 |
| Mile Auto | $140 |
| Clearcover | $143 |
| GEICO | $157 |
| Dairyland | $167 |
| Embark | $169 |
| Infinity | $180 |
| Direct Auto | $204 |
| GAINSCO | $205 |
| The General | $209 |
| Mercury | $212 |
| Bristol West | $233 |
| Allstate | $239 |
| AssuranceAmerica | $244 |
| National General | $245 |
| Root | $254 |
| Travelers | $286 |
| Mendota | $361 |
| First Acceptance | $371 |
| Liberty Mutual | $392 |
Florida saw 82,447 teen crashes in 2024, with 102 driver fatalities. In 2022, nearly one in four fatal teen crashes involved speeding or aggressive driving.
Teen drivers pay higher insurance premiums than other age groups, with rates averaging $303 per month, but they may find the cheapest quotes from Progressive. The table below shows the most affordable car insurance in Tampa for teen drivers.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $162 |
| Clearcover | $165 |
| State Farm | $191 |
| GEICO | $202 |
| Dairyland | $204 |
| Mile Auto | $204 |
| Infinity | $219 |
| Embark | $220 |
| Mercury | $257 |
| GAINSCO | $258 |
| The General | $273 |
| Direct Auto | $279 |
| Bristol West | $291 |
| Root | $308 |
| Allstate | $335 |
| National General | $346 |
| AssuranceAmerica | $357 |
| Travelers | $422 |
| Mendota | $469 |
| First Acceptance | $482 |
| Liberty Mutual | $484 |
Tampa’s population skews younger than the Florida average, with only 14% aged 65 or older, compared to 22% statewide. That said, Hillsborough County has more than 214,000 licensed drivers 65 or older, so seniors still make up a significant share of Tampa’s roads.
Seniors pay less for coverage than any other age group and may find the lowest quotes from Progressive. Below are the cheapest Tampa auto insurance rates for senior drivers.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $81 |
| Mile Auto | $82 |
| Progressive | $86 |
| GEICO | $94 |
| Clearcover | $94 |
| Infinity | $98 |
| Dairyland | $105 |
| Embark | $117 |
| Mercury | $118 |
| Direct Auto | $124 |
| GAINSCO | $131 |
| The General | $137 |
| AssuranceAmerica | $142 |
| National General | $144 |
| Bristol West | $145 |
| Allstate | $145 |
| Root | $157 |
| Travelers | $170 |
| Liberty Mutual | $243 |
| Mendota | $249 |
| First Acceptance | $256 |
When shopping for car insurance quotes in Tampa, you should consider risks such as severe weather and vehicle theft. The answers below can help you find the right car insurance coverage for you.
Tampa car insurance averages $178 per month for minimum coverage and $283 per month for full coverage. Rates in Tampa are higher than both the state and national averages.
Progressive generally offers the most affordable Tampa auto insurance coverage, according to Insurify data. But you should compare quotes and coverage options from multiple companies to find the cheapest insurance company for you.
Florida law requires PIP and PDL coverage for motorized recreational vehicles (RVs) but not for towable trailers. If you’re financing your RV, it’s a good idea to check with your lender about any insurance requirements, such as comprehensive or collision coverage.
Several factors can affect what you pay for auto insurance in Tampa, including your age, gender, vehicle type, credit history, coverage limits, deductible, and driving history.
To get the best auto insurance quote in Tampa, maintain a clean driving record and ask your insurer about car insurance discounts. For example, bundling your auto policy with homeowners or renters insurance with the same company can help you save. An independent insurance agent can help you compare coverage options and find the best pricing — just make sure to verify their license before signing.
Insurify data scientists analyzed more than 190 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years experience in personal finance writing
Personal finance blogger
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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