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Tampa, FL Car Insurance

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How Much Does Car Insurance Cost in Tampa?

The average auto insurance cost in Tampa is $2,980 per year. It is more expensive than the state’s average rate of $2,297 and the nation’s average of $1,541. Several factors are evaluated when insurers calculate your car insurance quote. Your marital status, driving history, credit tier, age, and location are the most common aspects that influence your annual car insurance cost in Tampa. 

 

If you want to save on your car insurance, it is best to compare the rates of several companies that will suit your current driving profile. Comparing rates for policies that are parallel to your location, age, driving history, credit tier, and marital status and choose one that best fits your driving status.

How Much Does Car Insurance Cost in Tampa?

Different car insurance companies in Tampa have different policies and rates. State Farm offers the cheapest car insurance in Tampa with an average rate of $1,761 annually. Maintaining a clean driving history will keep your car insurance rates to stay on the average.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,761$148
GEICO$2,234$186
MetLife$2,299$192
Direct Auto$2,577$215
Allstate$2,801$233

Florida Cheapest Car Insurance Rates For Minimum Coverage

If you are looking for an insurance company in Florida that offers the cheapest car insurance cost, there are several companies that provide minimum car insurance coverage at a competitive price. State Farm by far offers the best deal when it comes to purchasing car insurance with minimum coverage.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,528$148
GEICO$2,234$211
MetLife$3,206$267
Direct Auto$3,266$272
Allstate$3,911$326
MetLife$5,222$435

Tampa Auto Insurance Rates by Age Bracket

Your age impacts your car insurance rates in Tampa. Drivers in Tampa within the age range of 50+ garner cheaper auto insurance premiums in contrast to other age groups. Teenagers, however, pay the most for car insurance in Tampa. On a brighter note, when teens reach the age of 20, a substantial decrease in their premiums will immediately reflect.

Tampa Car Insurance Rates Per Age Group

Age GroupAnnual RateMonthly Rate
Teenagers$8,501$708
20s$3,771$314
30s$2,966$247
40s$2,911$243
50s$2,744$229
60s$2,888$241
70s$3,413$284

Florida Cheapest Full Coverage Insurance Rates For Young Drivers With Clean Driving History

In Florida, teen drivers are considered high-risk drivers. That is why they pay the most expensive car insurance rates in Florida. But, if you are a young driver without any driving violation, several auto insurance companies in Florida that provide less expensive premiums.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,001$167
GEICO$2,487$207
MetLife$2,877$240
Allstate$3,922$327
Direct Auto$3,201$267

Tampa Car Insurance Premiums By Gender and Marital Status

Other factors that influence your car insurance rates are your marital status and gender. Most married couples and widowed drivers in Tampa pay relatively cheaper rates in contrast to those who are single. While married couples are considered responsible drivers compared to single drivers, their gender also affects their overall auto insurance premiums. Females pay more than males for car insurance in Tampa.

Tampa Car Insurance Premiums by Marital Status and Gender

Marital Status/GenderAnnual RateMonthly Rate
Male$2,988$249
Female$3, 071$256
Single$2,881$240
Married$2,983$249
Divorced$2,955$246
Widowed$2,931$244

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Florida Cheapest Car Insurance Rates For Married Couples

As was mentioned, married couples pay cheaper car insurance rates in Florida. Married couples are considered financially stable and low-risk drivers. Thus, they are given cheaper car insurance rates in Florida. MetLife by far offers the cheapest auto insurance rates for married couples. 

Insurance CompanyAnnual RateMonthly Rate
MetLife$2,374$198
State Farm$2,721$227
GEICO$3,022$252
Direct Auto$3,233$269
Allstate$3,333$278

Tampa Auto Insurance Rates After an Accident or Violation

Keeping a clean driving history will substantially help in minimizing your Tampa car insurance costs. One at-fault accident can cause your premiums to increase. Even acquiring speeding tickets, and reckless driving citations are considered a risk. Thus, maintaining a good driving record in Tampa will keep your premiums low and close to the average of $2,980 per year. 

Tampa Car Insurance Rates For High-Risk Drivers

Driving ViolationAnnual RateMonthly Rate
DUI/DWI$4,376$365
Reckless Driving$4,524$377
At-Fault Accident (less than $1000 damages)$4,102$342
At-Fault Accident (more than $1000 damages)$4,102$342
Speeding Ticket$3,711$309

Florida Average Auto Insurance Costs With One At-Fault Accident

Typically, one at-fault accident will drive your car insurance rates in Florida up. Depending on the number of damages acquired, drivers who have been in an at-fault accident pay expensive auto insurance rates in Florida. However, there are car insurance companies around Florida that offer less expensive car insurance premiums to high-risk drivers.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,033$169
GEICO$2,821$239
MetLife$3,237$270
Direct Auto$3,411$284
Allstate$3,962$330

Florida Average Car Insurance Rate After A Ticket

Receiving a speeding ticket might not seem like a big deal but, in Florida, drivers will pay more on their auto insurance premiums after a ticket. However, some insurance companies around the state provide cheap car insurance premiums to reckless drivers in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,902$159
GEICO$2,955$246
MetLife$2,721$227
Direct Auto$3,163$264
Allstate$2,811$234

Tampa Auto Insurance Rates by Credit Tier

Your credit tier is another factor Tampa auto insurance companies look at when calculating your car insurance rates. Building your credit from Very Poor to Exceptional will give you savings up to 59% annually on your car insurance rates. Hence, keeping a good credit score is one way for your rates to stay on the average in Tampa. 

Tampa Car Insurance Premiums by Credit Tier

Credit LevelAnnual RateMonthly Rate
Very Poor$6,040$503
Fair$3,650$304
Good$2,960$247
Very Good$2,690$224
Exceptional$2,350$196

Florida Average Car Insurance Rates by Poor Credit with Minimum Coverage

Several car insurance companies in Florida provide cheap premiums for drivers with poor credit who purchase minimum coverage policies. State Farm offers the cheapest car insurance rates with minimum coverage in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,989$166
GEICO$1,955$163
United Auto$2,671$223
Direct Auto$1,298$108
Allstate$2,244$187

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Florida Average Car Insurance Rates For Good Drivers With Poor Credit

Your credit score is one of the aspects that impact your car insurance rates in Florida. Having a poor credit score can increase your car insurance premiums. However, if you are a good driver with poor credit, there are several car insurance companies in Florida that offer cheap coverage despite the poor credit tier.

Insurance CompanyAnnual RateMonthly Rate
Direct Auto$2,528$211
United Auto$3,206$267
State Farm$3,266$272
GEICO$3,911$326
Allstate$5,222$435

Tampa Car Insurance Cost by ZIP Code

Your location also influences the increase or decrease in your car insurance quotes. Living in areas prone to theft and accidents will render expensive auto insurance rates in Tampa. However, there are specific locations or ZIP codes in Tampa that garners the cheapest car insurance rates. Some, on the other hand, are considered high-risk; thus, drivers living in areas considered risky in Tampa tend to pay a lot more for their auto insurance premiums.

Tampa ZIP Codes With Expensive Car Insurance RatesTampa ZIP Codes With Cheap Car Insurance Rates
3360433592
3360733569
3361433549
3360533647
3360333650

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Tampa Car Insurance FAQs

  • Is it mandatory in Tampa to acquire car insurance?

    Yes. It is required in the whole state of Florida for cars to be insured. Your auto will not be allowed to drive along Florida state highways if your car is not under any policy.

  • What are the minimum requirements in Tampa when purchasing insurance?

    Requirements are: you reside in the state of Florida, you own a car, and you are employed within the state.

  • What if I fail to comply with the state’s regulation to insure my car?

    If you drive a car without insurance and get caught, the state will subject you to several penalties, and you will not be allowed to drive.

  • What are the basic coverages of insurance policies in Tampa?

    Basic car insurance coverages are personal injury protection, bodily injury liability, collision coverage, comprehensive coverage, and property damage liability.

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