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Cheap Auto Insurance Quotes in Tampa, FL (May 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Stephen DeFord
Last Updated February 4, 2022
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Some advice about battling Tampa traffic: don’t get stuck in rush hour traffic, and avoid Hillsborough Ave and popular I-275 exits. Another thing you should avoid while driving Tampa city streets is finding yourself without the right car insurance.
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.
Quick Facts
- The average cost of car insurance in Tampa is $373 per month, or $4476 annually.
- Car insurance in Tampa is $126 more than the average cost of car insurance in Florida.
- The cheapest car insurance provider in Tampa on average is AssuranceAmericaEconomy, but you should always compare quotes to find your best personal rate.
Car Insurance in Tampa, FL
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.
Quotes by Top Companies
Progressive$225
Travelers$281
The General$328
Direct Auto$349
Mercury$432
Cheapest Car Insurance in Tampa, FL
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Tampa | Quotes |
|---|---|
| Progressive | $225 /mo |
| Travelers | $281 /mo |
| The General | $328 /mo |
| Direct Auto | $349 /mo |
| Mercury | $432 /mo |
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Best Car Insurance in Tampa, FL
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 company reviews. The following are the top rated companies that offer car insurance in Tampa. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Score | Quotes |
|---|---|---|
| American Family | 89 | $565 /mo |
| Safeco | 86 | $399 /mo |
| Liberty Mutual | 82 | $367 /mo |
| Mercury | 81 | $425 /mo |
| Travelers | 80 | $328 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Florida Cities | |
|---|---|
| Jacksonville | $210/mo |
| Miami | $455/mo |
| Orlando | $234/mo |
| Hialeah | $534/mo |
| Tampa | $482/mo |
| Florida | $383/mo |
Jacksonville$210
Orlando$234
Average for FL$383
Miami$455
Tampa$482
Hialeah$534
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in FL
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:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:
- $10,000 no-fault or personal injury protection (PIP) insurance
Personal injury protection 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. Note that while PIP is required in Florida, bodily injury liability is not required by Florida law unless the person has been involved in an at-fault accident or committed certain violations, such as a DUI.
- $10,000 property damage liability (PDL) insurance
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.
Tampa Car Insurance Rates by Driver Age
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 | Avg. Monthly Cost |
|---|---|
| teens | $862 |
| 20s | $472 |
| 30s | $392 |
| 40s | $410 |
| 50s | $392 |
| 60s | $341 |
| 70s | $367 |
| 80s | $353 |
Tampa Car Insurance Rates by Driving and Accident History
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.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $399 |
| Speeding Ticket | $444 |
| At-Fault Accident | $485 |
| Failure to Stop for Red Light / Stop Sign | $391 |
Tampa Car Insurance Rates by Credit Tier
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 Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $371 |
| Good | $409 |
| Average | $424 |
| Poor | $439 |
See More: Bad Credit Car Insurance Florida
Find local Tampa agents
Lovinger Financial Services Inc
4016 HENDERSON BLVD,
Tampa, FL 33629Cornerstone Insurance, Inc.
13035 W Linebaugh Ave,
Tampa, FL 33626Omega Insurance Agency
5300 W Cypress St Ste 100,
Tampa, FL 33607Commercial Insurance Specialists, LLC
3438 Colwell Ave,
Tampa, FL 33614Seibert Insurance Agency, Inc.
5121 Ehrlich Rd Ste 111B,
Tampa, FL 33624YourEadvisor.com, LLC
550 N Reo St,
Suite 200, Tampa, FL 33609Spencer Financial, Inc
3901 North Blvd,
Tampa, FL 33603Italiano Insurance Services
3021 Swann Ave,
Tampa, FL 33609Varney Agency Tampa
5005 W Laurel Street Ste 202,
Tampa, FL 33607Blankit Insurance Group Inc.
1211 Tech Blvd. Suite 124,
Tampa, FL 33619
Tampa, FL DMV Information
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.
Public Transportation in Tampa, FL
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.
How to get the best and cheapest car insurance in Tampa, FL
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.
FAQs - Tampa, FL Car Insurance
Auto insurance laws are determined by each state. Personal injury protection, or PIP, is a type of insurance required by the state of Florida. Other states requiring this kind of protection include Delaware, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, and Utah. Because Florida is a no-fault state (which means regardless of who is at fault for the accident, your injury claims are paid by your own insurance company), PIP insurance provides a minimum amount of insurance that the state has decided is adequate (on average) to pay someone’s medical bills. Property damages are not paid by PIP and are the responsibility of the person who is found to be at fault. The minimum PIP required by the state of Florida is $10,000. But act quickly with your PIP if you have an accident. Florida law states that you have 14 days from the date of the accident to use your PIP benefits or you forfeit your right to them, no exceptions. Buckle up, no matter what your age in Florida, or you could receive a fine of up to $60 and a moving violation. The law requires that all drivers, all front-seat passengers, and all passengers under the age of 18 fasten their safety belts. As for younger children, Florida also has rules about the ages for which they must use additional safety restraints, like car seats. Although some states require kids to be in a car seat according to height or weight, in Florida, it’s by age. Those ages four to five must either be retrained by a child carrier, an integrated child seat (built into the car by the manufacturer), or a booster seat. Children ages three and younger must be in a separate carrier or an integrated child seat. All of these seating devices must be crash-tested and federally approved. In Florida, you have two online options for renewing your registration: you can renew online at GoRenew.com or via the DMV’s mobile app MyFlorida for the FLHSMV. If you renew using GoRenew.com, you will receive your registration in the mail within 7–10 days. When registering, you can choose to receive an online receipt that you can print out and use in the meantime for proof of registration. For those using the app, you’ll receive a digital document that stands as proof of registration until you receive yours in the mail.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Tampa Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Tampa, Florida below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Tampa drivers measure up to their fellow motorists across Florida in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Toyota Corolla
Most Popular Car in Tampa
#99
City with the Most Speeding Tickets Rank in Florida
#104
City with the Most Moving Violations Rank in Florida
#65
City with the Most DUIs Rank in Florida
#43
City with the Most Suspended Licenses in Florida
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.
- Rank within state: #65
- Percent of drivers in Tampa with an accident: 9.7%
- Drivers in Tampa, FL with an accident in their driving history pay on average 29.01% more than drivers with a clean record
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.
- Rank within state: #99
- Percent of drivers in Tampa with a speeding ticket: 6.72%
- Drivers in Tampa, FL with a speeding ticket in their driving history pay on average 20.28% more than drivers with a clean record
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.
- Rank within state: #65
- Percent of drivers in Tampa with a DUI: 0.89%
- Drivers in Tampa, FL with a DUI in their driving history pay on average -16.34% more than drivers with a clean record
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.
- Rank within state: #19
- Percent of drivers in Tampa with a reckless driving violation: 2.92%
- Drivers in Tampa, FL with a reckless driving violation in their driving history pay on average 14.93% more than drivers with a clean record.
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.
- Rank within state: #49
- Percent of drivers in Tampa with clean record: 83.21%
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.
- Rank within state: #49
- Percent of drivers in Tampa with a failure to yield violation: 0.42%
- Drivers in Tampa, FL with a failure to yield violation in their driving history pay on average 3900% more than drivers with a clean record
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.
- Rank within state: #23
- Percent of drivers in Tampa with a reckless driving offense: 0.18%
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.
- Rank within state: #93
- Percent of drivers in Tampa with a hybrid/electric vehicle: 0.83%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others
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