Tampa, FL Auto Insurance (2023)
Tampa, FL auto insurance rates average $536 monthly. Minimum Tampa, Florida auto insurance requirements include 10/20/10 in coverage to comply with Florida auto insurance laws. We'll help you find the best auto insurance companies in Tampa and compare Tampa car insurance coverage types.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Dec 4, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Dec 4, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in Tampa is USAA
- The minimum auto insurance required in Tampa, Florida is 10/20/10
- The most expensive auto insurance company in Tampa for teen drivers is Allstate
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. So, how much is car insurance in Tampa? We’ll cover factors that affect Tampa, Florida auto insurance rates 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.
Minimum Auto Insurance in Tampa, Florida
Tampa Bay car insurance laws require 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 |
Since liability coverage is cheaper and offers less protection than full coverage auto insurance, you’ll find cheaper Tampa car insurance quotes if you only need liability.
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Cheap Tampa, Florida Auto Insurance by Age, Gender, and Marital Status
Insurance companies consider age, gender, and marital status when setting your Tampa auto insurance rates. See how demographics impact monthly Tampa, FL auto insurance rates:
| 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 | $646 | $602 | $556 | $556 | $2,145 | $2,285 | $610 | $606 |
| Geico | $314 | $316 | $294 | $294 | $561 | $698 | $346 | $350 |
| Liberty Mutual | $430 | $430 | $392 | $392 | $931 | $1,446 | $430 | $590 |
| Nationwide | $342 | $336 | $305 | $315 | $828 | $1,015 | $376 | $390 |
| Progressive | $377 | $353 | $320 | $344 | $1,068 | $1,154 | $453 | $425 |
| State Farm | $240 | $240 | $217 | $217 | $708 | $897 | $268 | $284 |
| USAA | $165 | $162 | $155 | $153 | $576 | $666 | $207 | $223 |
You’ll find cheaper car insurance quotes in Tampa if you’re a 35-year-old driver compared to Tampa auto insurance for teens. For example, a teen male driver pays $1,166 on average for Tampa, Florida auto insurance, whereas a 35-year-old male pays $348.
Cheap Tampa, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Tampa, Florida is a challenge. Take a look at the monthly teen auto insurance rates in Tampa, Florida:
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $2,145 | $2,285 |
| Geico | $561 | $698 |
| Liberty Mutual | $931 | $1,446 |
| Nationwide | $828 | $1,016 |
| Progressive | $1,068 | $1,154 |
| State Farm | $708 | $897 |
| USAA | $576 | $666 |
Teen drivers lack driving experience and are more likely to drive distracted, so insurers charge them higher Tampa, FL auto insurance rates.
Cheap Tampa, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Tampa, Florida? Take a look at the monthly average auto insurance rates for older drivers in Tampa, FL:
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $556 | $556 |
| Geico | $294 | $294 |
| Liberty Mutual | $392 | $392 |
| Nationwide | $305 | $315 |
| Progressive | $320 | $346 |
| State Farm | $217 | $217 |
| USAA | $155 | $153 |
Senior drivers pay $324 on average for Tampa, Florida auto insurance, since they have more experience behind the wheel. Read more about finding affordable auto insurance for seniors in Tampa, FL.
Cheap Tampa, Florida Auto Insurance by Driving Record
Driving record has a big impact on your auto insurance rates. See the monthly auto insurance rates for a bad record in Tampa, Florida compared to rates with a clean record in Tampa, Florida:
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $863 | $1,045 | $1,139 | $955 |
| Geico | $275 | $353 | $527 | $432 |
| Liberty Mutual | $446 | $588 | $867 | $620 |
| Nationwide | $415 | $457 | $620 | $462 |
| Progressive | $443 | $656 | $553 | $595 |
| State Farm | $350 | $418 | $384 | $384 |
| USAA | $225 | $279 | $414 | $236 |
As you can see, finding auto insurance for drivers with accidents isn’t impossible, but your Tampa, FL auto insurance rates will be higher.
Cheap Tampa, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Tampa, Florida is not easy. Compare the monthly rates for DUI auto insurance in Tampa, Florida to find the best deal:
| Insurance Company | Monthly Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $1,139 |
| Geico | $527 |
| Liberty Mutual | $867 |
| Nationwide | $620 |
| Progressive | $553 |
| State Farm | $384 |
| USAA | $414 |
Insurance companies take DUI convictions seriously. So, auto insurance for drivers with a DUI is significantly more expensive.
Cheap Tampa, Florida Auto Insurance By Credit History
Credit history can have a major impact on auto insurance rates in Tampa. See how Tampa, Florida monthly auto insurance rates by credit history compare:
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $1,424 | $879 | $699 |
| Geico | $579 | $349 | $261 |
| Liberty Mutual | $818 | $595 | $478 |
| Nationwide | $615 | $447 | $403 |
| Progressive | $732 | $521 | $433 |
| State Farm | $530 | $343 | $279 |
| USAA | $467 | $230 | $168 |
Insurance companies see drivers with low credit scores as a low risk to insure, so they see better Tampa, FL auto insurance rates.
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Cheap Tampa, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Tampa, Florida can vary. Take a look at the table below to compare average auto insurance rates by ZIP code in Tampa, Florida:
| ZIP Code | Average Monthly Rates |
|---|---|
| 33602 | $438 |
| 33603 | $439 |
| 33604 | $432 |
| 33605 | $435 |
| 33606 | $428 |
| 33607 | $443 |
| 33609 | $391 |
| 33610 | $415 |
| 33611 | $383 |
| 33612 | $435 |
| 33616 | $383 |
| 33617 | $369 |
| 33620 | $381 |
| 33621 | $372 |
| 33629 | $383 |
| 33634 | $427 |
| 33635 | $395 |
| 33637 | $396 |
| 33647 | $358 |
As you can see, your location significantly affects Tampa, FL auto insurance rates due to factors like high traffic and theft rates.
Cheap Tampa, Florida Auto Insurance Rates by Commute
Commute length and annual mileage affect Tampa, Florida auto insurance. Take a look at the table below to compare monthly auto insurance rates in Tampa, FL by annual mileage:
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $972 | $1,029 |
| Geico | $395 | $398 |
| Liberty Mutual | $609 | $651 |
| Nationwide | $488 | $488 |
| Progressive | $562 | $562 |
| State Farm | $370 | $398 |
| USAA | $285 | $292 |
Insurance companies will charge higher rates if you spend more time on the road, so you’ll get cheap Tampa, FL car insurance quotes if you don’t drive often.
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 monthly Tampa, Florida auto insurance rates by coverage level:
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $743 | $1,059 | $1,200 |
| Geico | $323 | $411 | $456 |
| Liberty Mutual | $573 | $642 | $676 |
| Nationwide | $377 | $509 | $579 |
| Progressive | $457 | $577 | $652 |
| State Farm | $325 | $394 | $433 |
| USAA | $244 | $300 | $321 |
You’ll pay lower Tampa, FL auto insurance rates if you only liability auto insurance, but you should consider full coverage if you want to protect your vehicle.
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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 |
While USAA is the cheapest auto insurance company in Tampa, only military members and their families are eligible for coverage. Read more in our USAA auto insurance review.
The Cheapest Tampa, Florida Auto Insurance Companies
What auto insurance companies in Tampa, Florida are the cheapest? Check out the table below for a list of the cheapest overall average rates by auto insurance companies in Tampa:
| Insurance Company | Average Monthly Rates |
|---|---|
| Allstate | $1,001 |
| Geico | $397 |
| Liberty Mutual | $630 |
| Nationwide | $488 |
| Progressive | $562 |
| State Farm | $384 |
| USAA | $288 |
As you can see, USAA and State Farm offer the lowest auto insurance rates in Tampa, Florida.
Frequently Asked Questions
What factors affect Tampa, FL auto insurance rates?
Insurance companies consider factors like age, gender, vehicle type, location, coverage options, and credit score when calculating Tampa, Florida auto insurance rates. Also, traffic and theft rates in Tampa will affect car insurance quotes in Tampa.
What Tampa, FL auto insurance coverage options are available?
You can get liability, collision, comprehensive, personal injury protection, and uninsured motorist auto insurance coverages in Tampa, FL.
How can I find affordable auto insurance in Tampa, FL?
Comparing quotes, finding discounts, assessing coverage levels, choosing a higher deductible, and maintaining good credit are good ways to get affordable Tampa car insurance coverage.
Who has the cheapest Tampa, FL auto insurance rates?
USAA and State Farm are the cheapest auto insurance companies in Tampa.
Can I get Tampa, FL auto insurance with a suspended license?
Generally, you must have a license to obtain Tampa Bay car insurance coverage. However, some auto insurance companies in Tampa may offer non-owner auto insurance to drivers who don’t own a vehicle or plan to reinstate their license soon.
Does my Tampa auto insurance cover rental cars?
Some auto insurance companies in Tampa extend coverage to rental cars in the United States, but you should check with your company to make sure.
How do I add a new vehicle to my existing Tampa, FL auto insurance policy?
Contact your insurance company to add a driver to your Tampa, FL auto insurance.
Are there any discounts available for senior citizens on auto insurance in Tampa?
Senior drivers looking for Tampa car insurance coverage could save with various discounts, like low mileage, bundling, and accident-free discounts.
What are the minimum auto insurance requirements in Tampa, Florida?
The minimum auto insurance requirements in Tampa, Florida are 10/20/10, as mandated by Florida auto insurance laws.
Are there affordable auto insurance options for teen drivers in Tampa, Florida?
Finding affordable auto insurance for teen drivers in Tampa, Florida can be challenging due to their lack of driving experience. However, comparing quotes and exploring available discounts can help in securing more affordable rates.
How does a driving record impact auto insurance rates in Tampa, Florida?
A clean driving record can help secure lower auto insurance rates in Tampa, Florida. On the other hand, a history of accidents or violations may result in higher premiums.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.