Cheapest Car Insurance in Tampa, FL (2025)

Tampa drivers pay an average of $1,620 per year for minimum coverage and $3,780 per year for full coverage. Tampa has some of Florida's highest rates due to elevated auto theft rates, heavy traffic density from tourism and commuting, and severe weather risks, including hurricanes.

• Cheapest minimum liability coverage: Travelers has Tampa's cheapest minimum coverage at $847 per year ($71 monthly). That's 47% lower than the city average of $1,620, saving you $773 annually. GEICO ranks second for minimum coverage at $1,011 per year ($84 monthly), a 37% savings compared to the city average.
• Cheapest full coverage: Travelers offers the lowest full coverage at $1,854 annually ($155 monthly), 51% below the city average of $3,780. That's $1,926 in annual savings. State Farm's full coverage costs $2,352 per year ($196 monthly), still 38% below the city average but $498 more than Travelers annually.

Young drivers in Tampa face the highest car insurance rates, while adults and seniors enjoy more affordable options. Here are the most affordable car insurance companies in Tampa by age group:

• Adults: Travelers and GEICO offer the lowest rates for adult drivers in the area
• Seniors: GEICO and Travelers provide the most competitive pricing for senior motorists
• Young drivers: Travelers and GEICO remain the top affordable choices despite higher youth rates

Travelers helps young drivers under 25 save with their Good Student Discount, offering up to 8% off for maintaining a B average. GEICO's Prime Time program helps drivers 50 and older to save through completion of a defensive driving course.

Car insurance is more expensive if you have driving violations. Here are your cheapest car insurance options in Tampa by violation type:

• Accident: Travelers at $95 and State Farm at $108 monthly
• Ticket: Travelers at $89 and Metropolitan Group at $91 monthly
• DUI: State Farm at $100 and Travelers at $106 monthly

In Florida, minor violations stay on your record for three to five years before rates decrease.

Tampa car insurance premiums differ across neighborhoods. ZIP code 33604 has the highest rates at $447 monthly for full coverage, while residents in 33611 pay the least at $253 monthly. Check the table below to find specific rates for your ZIP code.

Travelers has 97 out of 100 on MoneyGeek's rating scale, establishing it as Tampa's premier car insurance provider. State Farm follows as a strong second choice with a solid 90 out of 100 score.

Travelers has both good affordability and customer service. Our evaluation uses agent network ratings, National Association of Insurance Commissioners complaint data, J.D. Power studies and comprehensive customer reviews.

Travelers earns top marks for extensive standard and specialty coverage selections plus distinctive add-ons. State Farm maintains competitive affordability rankings while both companies demonstrate excellent financial stability ratings.

See below for why each insurer is best and which fits your needs.

Tampa residents have high car insurance costs compared to other Florida cities. Shop around, secure better rates and select appropriate coverage:

Our insurance experts answer questions about finding cheap auto coverage in Tampa:

Tampa drivers pay some of Florida's highest car insurance rates. We built this analysis to help you find reliable coverage without overpaying for your specific situation.

We analyzed hundreds of thousands of quotes from major insurers using data from the Florida Office of Insurance Regulation and Quadrant Information Services. Our research covered all Tampa ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. 

The analysis was complicated by Tampa's exposure to severe weather conditions.

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Florida's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hurricane damage claims or handling hit-and-run accidents.

Coverage options (10%): More choices mean better odds of matching coverage to Tampa risks like flood damage, uninsured motorists and theft in high-risk areas.