The best car insurance in Tampa, FL

By

Lena Borrelli

Lena Borrelli

Insurance Expert

Lena Borrelli is a freelance contributor at Policygenius. With a diverse professional background, Lena spent time in finance, web marketing, and hospitality before settling into full-time life as a freelance writer.

Published October 19, 2021

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The average cost of car insurance in Tampa is higher than in many neighboring cities — Tampa drivers pay an average of $3,824 a year for full coverage car insurance. Despite the high costs, drivers in Tampa can find their most affordable rates by shopping around and comparing quotes before picking a policy.

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Policygenius can help you see options from top car insurance companies, so you can feel confident you're making the right choice for coverage.

Key Takeaways

  • GEICO has the cheapest average rates for Tampa car insurance at $1,827 per year.

  • The average cost of a full coverage car insurance policy in Tampa is $3,824 a year.

  • Florida requires $10,000 in personal injury protection and $10,000 in property damage liability.

Cheapest car insurance companies in Tampa, FL

Many factors impact how much you pay for car insurance, such as your age, gender, and driving record, but another factor is the car insurance company you choose.

Company

Average cost

JD Power Rating

GEICO

$1,827

871

State Farm

$2,159

881

Travelers

$2,803

861

Nationwide

$3,325

876

AIG

$3,805

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Cheapest car insurance rates by ZIP code in Tampa, FL

When pricing car insurance, companies consider factors like area population, neighborhood crime, extreme weather, and other hazards. These all help determine risk in your specific area.

ZIP code

Average cost

33602

$4,119

33603

$4,210

33604

$4,096

33605

$4,061

33606

$3,981

33607

$4,058

33609

$3,627

33610

$4,015

Choosing the right car insurance company in Tampa, FL

There's no one right car insurance company for every driver in Tampa, so the best way to find the right coverage for you is to shop around and compare options from multiple companies.

Policygenius makes it easy to see quotes from top car insurance companies, so you can see which company will offer you the best coverage at the lowest rates.

Car insurance rates for drivers with driving violations in Tampa, FL

Another factor that car insurance companies consider is your driving record. Insurers will charge more for your car insurance if you have DUI on your record or were involved in a hit-and-run accident

Violation

GEICO

State Farm

Travelers

Nationwide

AIG

At-fault Accident

$2,630

$2,552

$3,758

$4,746

$5,780

DUI

$3,392

$2,371

$4,243

$7,238

$4,494

Driving with a suspended license

$1,902

$2,371

$4,243

$7,238

$5,826

Driving with an open container

$1,902

$2,371

$3,563

$7,238

$4,494

Driving with expired registration

$1,902

$2,371

$3,563

$3,901

$5,540

Driving without Lights

$1,902

$2,371

$3,563

$3,326

$5,540

Failure to show documents

$1,902

$2,371

$3,563

$3,901

$5,540

Failure to stop at a red light

$1,902

$2,371

$3,563

$3,901

$5,540

Cheapest car insurance for drivers with bad credit in Tampa, FL

Your credit score could save you money on your car insurance, since drivers with great credit typically receive lower rates than the average policyholder. Alternatively, you may pay more for your car insurance if you have bad credit.

Company

Rates for drivers with bad credit

GEICO

$3,589

State Farm

$4,212

AIG

$4,285

UAIC

$4,752

Nationwide

$5,174

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Buying car insurance in Tampa, FL

In most U.S. states, car insurance is a legal requirement to legally operate a vehicle. This ensures that you are protected, no matter what you may face on the road.

There are two types of car insurance required for Tampa drivers:

  • $10,000 of personal injury protection (PIP) coverage

  • $10,000 of property damage liability (PDL)

Florida is a no-fault state, which means that drivers involved in an accident are responsible for the cost of their own physical and medical damages. Florida is one of the 12 states with no-fault insurance in the U.S. 

If you fail to carry the minimum amount of coverage, penalties for driving without car insurance in Florida can include license suspension of up to three years. To obtain a new license after suspension or revocation, you may face a reinstatement fee of $150 for the first offense, as well as other requirements. Florida law requires drivers to carry continuous coverage, even if they are not currently driving or have an inoperable vehicle.

Regardless of state law, it is always a good idea to carry more than the minimum amount of required car insurance. When you have extra protection, you can help prevent out-of-pocket losses should damages exceed your insurance coverage.

How to get cheap car insurance in Tampa, FL

There are several ways to lower the cost of your Tampa car insurance:

  • Consider your vehicle: Some vehicles may cost more to insure than others, such as luxury vehicles and newer models are more expensive to fix.

  • Improve your credit score: A higher credit score often means that you have a better chance of receiving more affordable rates.

  • Ask about discounts: There are several types of car insurance discounts that can save you money, such as welcome and loyalty savings, safe driver discounts, and lower rates when you bundle your auto and home insurance with the same provider.

  • Increase your deductible: When you raise your deductible, it can lower the cost of your monthly premiums. However, this could leave you financially vulnerable after a loss since you will have to pay more out-of-pocket before your insurance kicks in.

Shop and compare: Before you purchase or renew your car insurance policy, be sure to shop and compare quotes from today’s best car insurance companies.

Frequently asked questions

Is car insurance required in Tampa?

Drivers in Tampa are required to carry a minimum of $10,000 in personal injury protection (PIP) coverage and $10,000 in property damage liability (PDL). However, it is a good idea to consider purchasing more than just the minimum amount of car insurance so you can ensure you are protected in case of an accident.

How much is Florida car insurance?

Florida car insurance costs an average premium of $2,914 per year. However, the price you pay may be different, depending on factors like your driver record, credit score, and vehicle.

How do I buy the best car insurance in Tampa?

To buy the best car insurance in Tampa, we recommend that you always shop and compare quotes from multiple providers to ensure you not only find the cheapest insurance company but also the best coverage for your specific needs.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.