Compare Tampa, FL Car Insurance Rates (2021)

Car insurance in Tampa, FL averages $536 a month. Tampa, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Tampa car insurance rates, compare quotes from the top car insurance companies in Tampa, FL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Tampa is USAA
  • Average car insurance rates in Tampa, FL after a DUI are $7,722/year
  • Average car insurance rates in Tampa, FL are $6,428/year

If you need to buy Tampa, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Tampa, FL is right here.

You’ll find Tampa car insurance rates, the cheapest Tampa, FL car insurance companies, and information on Florida car insurance laws. You can also compare Tampa, Florida car insurance rates to Tallahassee car insurance rates, Jacksonville car insurance rates, and Tampa car insurance rates.

Ready to find affordable Tampa, FL car insurance today? Enter your ZIP code for fast, free Tampa car insurance quotes.

Cheapest Tampa, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Tampa, FL car insurance rates? Every Tampa, Florida car insurance company weighs these factors differently, so check out the comparison rates.

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

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Minimum Car Insurance in Tampa, FL

Every driver must carry the minimum car insurance in Tampa, FL. Take a look at the Florida car insurance requirements.

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

Cheapest Tampa, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Tampa, FL. Compare credit history car insurance rates in Tampa from top companies for good, fair, and poor credit.

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

Cheapest Tampa, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Tampa, FL to rates for a clean record with top 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

Cheapest Tampa, FL Car Insurance for Teen Drivers

Teen car insurance in Tampa, FL can be expensive. Take a look at rates from the top car insurance companies in Tampa for teenagers.

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

Cheapest Tampa, FL Car Insurance for Seniors

Take a look at Tampa, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

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

Cheapest Tampa, FL Car Insurance Rates After a DUI

A DUI in Tampa, FL increases car insurance rates. Compare Tampa, Florida DUI car insurance by company to find the cheapest option.

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

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Cheapest Tampa, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Tampa, FL by commute? Take a look at a comparison of the top companies by commute length.

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

Cheapest Tampa, FL Car Insurance Rates by ZIP Code

Tampa car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Tampa, FL.

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

The Best Cheap Car Insurance Companies in Tampa, FL

Take a look at a side-by-side comparison of the top car insurance companies in Tampa, FL to find the best option for your needs.

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

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Category Winners: Cheapest Car Insurance in Tampa, Florida

Find the cheapest car insurance companies in Tampa, FL for each category right here.

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

Cheapest Tampa, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Tampa car insurance rates. Find the cheapest Tampa, FL car insurance rates by coverage level.

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

What affects car insurance rates in Tampa, Florida?

What factors can have an impact on Tampa, FL car insurance? There are several reasons why Tampa car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Tampa, Florida.

Car Theft in Tampa

High levels of vehicle theft can make car insurance more expensive. Tampa, FL car theft statistics from the FBI indicate 460 vehicle thefts a year.

Commute Time in Tampa

The more time you spend in your car the higher the risk of an accident. The average commute length in Tampa, FL is 24.6 minutes according to City-Data.

Traffic in Tampa

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Tampa, FL traffic data from INRIX ranks Tampa as the 228th-most congested in the world.

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Compare Car Insurance Quotes in Tampa, FL

Ready to find affordable Tampa, Florida car insurance today? Enter your ZIP code for fast, free Tampa, FL car insurance quotes.

Free Car Insurance Comparison

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

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