Best Cheap Auto Insurance in Tampa, FL (2021)

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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • 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.

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.

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.

Minimum Required Auto Insurance Coverage 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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Tampa, Florida

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

Finding cheap teen auto insurance in Tampa, Florida is a challenge. Take a look at the annual teen auto insurance rates in Tampa, Florida.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Tampa, Florida

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.

Annual Tampa, Florida Auto Insurance Rates by Driving Record

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

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.

Annual Auto Insurance Rates After a DUI in Tampa, Florida

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.

Annual Auto Insurance Rates by Credit Score in Tampa, Florida

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.

Annual Auto Insurance Rates by ZIP Code in Tampa, Florida

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

Commute length and annual mileage affect Tampa, Florida auto insurance. Find the cheapest annual Tampa, Florida auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Tampa, Florida

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.

Annual Auto Insurance Rates by Coverage Level in Tampa, Florida

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.

Best Annual Auto Insurance Rates by Company in Tampa, Florida

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

What auto insurance companies in Tampa, Florida are the cheapest? Compare the top Tampa, Florida auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Tampa, Florida

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

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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