Cheap Quotes for Tampa, FL Car Insurance (2021)

Tampa, Florida car insurance rates average $536 a month and Florida law requires coverage of at least 10/20/10. By comparing rates from multiple Tampa, FL companies, you can find cheap Tampa car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in Tampa, FL are $536/month
  • The cheapest car insurance company in Tampa is USAA
  • Tampa has an average commute time of 24.6 minutes

How do the Tampa, Florida monthly average car insurance rates of $536/month compare to nearby cities like Port St. Lucie car insurance rates, Orlando car insurance rates, and Tallahassee car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Tampa, FL.

We’ll cover the Florida minimum coverage requirements, Florida car insurance laws, and Tampa, FL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Tampa, Florida companies to find the most affordable Tampa car insurance rates.

Enter your ZIP code above to find cheap Tampa, FL car insurance quotes today.

What are the minimum Tampa, FL car insurance requirements?

To meet Florida minimum car insurance coverage requirements, Tampa, FL drivers need to carry at least 10/20/10 coverage.

Minimum Required Car 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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Average Tampa, FL Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Tampa, FL you can see that rates will vary by ZIP code.

Annual Car 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

How do age, gender, and marital status affect Tampa, FL car insurance rates?

Three of the criteria that most affect car insurance rates in Tampa, Florida are age, gender, and marital status. Let’s take a look at how each of these stack up with top Tampa car insurance companies.

Annual Car 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

How much do teen drivers pay for car insurance in Tampa, FL?

Tampa, Florida car insurance rates for teens are often higher than rates for other drivers. Compare Tampa car insurance rates from multiple Tampa, Florida car insurance companies to get the best deal.

Annual Car 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

How much do senior drivers pay for car insurance in Tampa, FL?

With a little research, seniors can find affordable car insurance in Tampa, Florida. Here’s a look at how the top Tampa car insurance companies stack up.

Annual Car 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

How does coverage level affect Tampa, FL car insurance rates?

How much coverage do you need? Are you comfortable with the Florida minimum of 10/20/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Tampa, FL car insurance rates will be. Let’s take a look.

Annual Car 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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How does your driving record affect Tampa, FL car insurance rates?

Safe driving pays off. The more traffic violations you have in Tampa, FL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Tampa, Florida companies.

Annual Tampa, Florida Car 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

How does a DUI affect Tampa, FL car insurance rates?

With even one DUI on your record, you can see an increase in your Tampa, FL car insurance rates.

Annual Car Insurance Rates After a DUI in Tampa, Florida

Insurance Company Annual Car 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

How does your credit history affect Tampa, FL car insurance rates?

Take a look at the data here to see how your Tampa, Florida car insurance rates are affected by your credit history.

Annual Car 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

How does your commute affect Tampa, FL car insurance rates?

Tampa, FL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Florida can be seen here. Remember, though, that you may have to carry substantially more car insurance in Tampa if you’re financing.

Annual Car Insurance Rates by Commute Length in Tampa, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

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Who has the cheapest Tampa, FL car insurance rates?

Here’s a breakdown of Tampa, Florida car insurance rates by company. You can see which company offers the cheapest Tampa car insurance rates in each category.

Best Annual Car 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

What are the top Tampa, FL car insurance companies?

Which Tampa, Florida car insurance company will best fit your needs and budget? Check out this comparison of the top Tampa companies to find the one for you.

Average Annual Car 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 factors affect Tampa, FL car insurance rates?

Why are Tampa, Florida car insurance rates different than rates in Port St. Lucie or Orlando? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Tampa, FL?

FBI statistics show that the Tampa, Florida car theft rate is 460 thefts each year. High theft rates can lead to higher than average Tampa, FL car insurance rates.

How long is the average commute in Tampa, FL?

More time spent behind the wheel can lead to higher Tampa, Florida car insurance rates. In Tampa, FL, the average commute length is 24.6 minutes.

What is the traffic like in Tampa, FL

Like commute length, time spent in traffic also increase risk of accidents. Tampa, FL is listed as 228th in INRIX congested cities data.

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Car Insurance Quotes for Tampa, FL

Shop for affordable Tampa, Florida car insurance rates today. Enter your ZIP code to compare quotes from multiple Tampa, FL car insurance companies.

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