Best Cheap Auto Insurance in Tampa, FL (2022)
The average Tampa, FL auto insurance rates are $536 per month. The minimum auto insurance in Tampa is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Tampa, Florida, compare quotes from multiple companies.
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UPDATED: Jun 29, 2022
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Table of Contents
- The most expensive auto insurance company in Tampa for teen drivers is Allstate
- The cheapest auto insurance company in Tampa is USAA
- The minimum auto insurance required in Tampa, Florida is 10/20/10
Tampa, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Tampa can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Tampa, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Tampa to other Florida cities, including Jacksonville auto insurance rates, Fort Lauderdale auto insurance rates, and Orlando auto insurance rates to see how Tampa, Florida auto insurance rates stack up.
More: Best Cheap Auto Insurance in Davie, FL (2022)
Before you buy Tampa, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Tampa, Florida auto insurance quotes.
Table of Contents
Minimum Auto Insurance in Tampa, Florida
Tampa, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Tampa, Florida.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $10,000 per person $20,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Cheap Tampa, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Tampa, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $7,755 | $7,219 | $6,676 | $6,668 | $25,748 | $27,423 | $7,317 | $7,266 |
| GEICO | $3,772 | $3,787 | $3,526 | $3,526 | $6,727 | $8,378 | $4,153 | $4,196 |
| Liberty Mutual | $5,157 | $5,157 | $4,704 | $4,704 | $11,176 | $17,355 | $5,157 | $7,085 |
| Nationwide | $4,099 | $4,031 | $3,654 | $3,776 | $9,940 | $12,189 | $4,513 | $4,674 |
| Progressive | $4,519 | $4,231 | $3,845 | $4,122 | $12,819 | $13,856 | $5,439 | $5,103 |
| State Farm | $2,877 | $2,877 | $2,609 | $2,609 | $8,495 | $10,765 | $3,215 | $3,410 |
| USAA | $1,983 | $1,946 | $1,861 | $1,840 | $6,907 | $7,997 | $2,478 | $2,672 |
Cheap Tampa, Florida Auto Insurance for Teen Drivers
More: Best Cheap Auto Insurance in Clearwater, FL (2022)
Finding cheap teen auto insurance in Tampa, Florida is a challenge. Take a look at the annual teen auto insurance rates in Tampa, Florida.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $25,748 | $27,423 |
| GEICO | $6,727 | $8,378 |
| Liberty Mutual | $11,176 | $17,355 |
| Nationwide | $9,940 | $12,189 |
| Progressive | $12,819 | $13,856 |
| State Farm | $8,495 | $10,765 |
| USAA | $6,907 | $7,997 |
Cheap Tampa, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Tampa, Florida? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $6,676 | $6,668 |
| GEICO | $3,526 | $3,526 |
| Liberty Mutual | $4,704 | $4,704 |
| Nationwide | $3,654 | $3,776 |
| Progressive | $3,845 | $4,122 |
| State Farm | $2,609 | $2,609 |
| USAA | $1,861 | $1,840 |
Cheap Tampa, Florida Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Tampa, Florida compared to the annual auto insurance rates with a clean record in Tampa, Florida.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $10,361 | $12,538 | $13,672 | $11,465 |
| GEICO | $3,297 | $4,230 | $6,324 | $5,182 |
| Liberty Mutual | $5,349 | $7,055 | $10,405 | $7,439 |
| Nationwide | $4,976 | $5,482 | $7,436 | $5,544 |
| Progressive | $5,313 | $7,874 | $6,639 | $7,141 |
| State Farm | $4,198 | $5,017 | $4,607 | $4,607 |
| USAA | $2,696 | $3,343 | $4,972 | $2,830 |
Cheap Tampa, Florida Auto Insurance Rates After a DUI
More: Best Cheap Auto Insurance in Callahan, FL (2022)
Finding cheap auto insurance after a DUI in Tampa, Florida is not easy. Compare the annual rates for DUI auto insurance in Tampa, Florida to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $13,672 |
| GEICO | $6,324 |
| Liberty Mutual | $10,405 |
| Nationwide | $7,436 |
| Progressive | $6,639 |
| State Farm | $4,607 |
| USAA | $4,972 |
Cheap Tampa, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Tampa, Florida annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $17,087 | $10,551 | $8,389 |
| GEICO | $6,949 | $4,190 | $3,136 |
| Liberty Mutual | $9,814 | $7,136 | $5,736 |
| Nationwide | $7,376 | $5,369 | $4,834 |
| Progressive | $8,779 | $6,253 | $5,193 |
| State Farm | $6,364 | $4,114 | $3,344 |
| USAA | $5,608 | $2,763 | $2,011 |
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Cheap Tampa, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Tampa, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Tampa, Florida to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 33602 | $5,251 |
| 33603 | $5,272 |
| 33604 | $5,188 |
| 33605 | $5,217 |
| 33606 | $5,136 |
| 33607 | $5,312 |
| 33609 | $4,693 |
| 33610 | $4,975 |
| 33611 | $4,597 |
| 33612 | $5,217 |
| 33616 | $4,596 |
| 33617 | $4,427 |
| 33620 | $4,573 |
| 33621 | $4,468 |
| 33629 | $4,597 |
| 33634 | $5,119 |
| 33635 | $4,741 |
| 33637 | $4,750 |
| 33647 | $4,292 |
Cheap Tampa, Florida Auto Insurance Rates By Commute
More: Best Cheap Auto Insurance in Auburndale, FL (2022)
Commute length and annual mileage affect Tampa, Florida auto insurance. Find the cheapest annual Tampa, Florida auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $11,668 | $12,350 |
| GEICO | $4,735 | $4,781 |
| Liberty Mutual | $7,309 | $7,815 |
| Nationwide | $5,860 | $5,860 |
| Progressive | $6,742 | $6,742 |
| State Farm | $4,441 | $4,774 |
| USAA | $3,421 | $3,500 |
Cheap Tampa, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Tampa, Florida? Check out the comparison of annual Tampa, Florida auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $8,919 | $12,711 | $14,397 |
| GEICO | $3,873 | $4,930 | $5,472 |
| Liberty Mutual | $6,877 | $7,702 | $8,106 |
| Nationwide | $4,519 | $6,111 | $6,949 |
| Progressive | $5,479 | $6,920 | $7,826 |
| State Farm | $3,901 | $4,728 | $5,192 |
| USAA | $2,932 | $3,598 | $3,851 |
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Best By Category: Cheapest Auto Insurance in Tampa, Florida
Compare the cheapest auto insurance companies in Tampa, Florida in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Tampa, Florida Auto Insurance Companies
More: Best Car Insurance in Florida for (2022)
What auto insurance companies in Tampa, Florida are the cheapest? Compare the top Tampa, Florida auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $12,009 |
| GEICO | $4,758 |
| Liberty Mutual | $7,562 |
| Nationwide | $5,860 |
| Progressive | $6,742 |
| State Farm | $4,607 |
| USAA | $3,460 |
What affects auto insurance rates in Tampa, Florida?
There are a lot of reasons why auto insurance rates in Tampa, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Tampa, Florida. Many local factors may affect your Tampa auto insurance rates.
Tampa Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Tampa, Florida auto theft statistics, there have been 460 auto thefts in the city.
Tampa Commute Time
More: Best Cheap Auto Insurance in Port St. Lucie, FL (2022)
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Tampa, Florida commute length is 24.6 minutes according to City-Data.
Tampa Traffic
How does Tampa, Florida rank for traffic? According to Inrix Tampa, Florida is the 228th most congested worldwide.
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Compare Tampa, Florida Auto Insurance Quotes
Before you buy Tampa, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Tampa, Florida auto insurance quotes.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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