Travelers offers Tampa's lowest car insurance rates, with annual premiums of $847 for minimum coverage and $1,854 for full coverage. Other affordable insurers in the city include State Farm, Nationwide and GEICO.
Car Insurance in Tampa
Updated: August 13, 2025
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Key Takeaways
Tampa's cheapest car insurance companies are Travelers, State Farm and Metropolitan Group, with savings up to 50% compared to the city average.
In Tampa, monthly car insurance costs average $315 for full coverage and $135 for minimum coverage.
To get the best cheap auto insurance in Tampa, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Tampa?
| Travelers | $71 | $155 | -50% |
| State Farm | $93 | $196 | -36% |
| Metropolitan Group | $91 | $223 | -30% |
| GEICO | $84 | $266 | -22% |
| Nationwide | $113 | $241 | -21% |
Compare the Cheapest Tampa Car Insurance for You
Your car insurance rates depend heavily on your driving record, age and other personal factors. Use the table below to find the most affordable insurance company for your specific driver profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $208 | $2,495 | -56% |
| State Farm | $225 | $2,699 | -52% |
| Metropolitan Group | $312 | $3,740 | -34% |
| UAIC | $319 | $3,832 | -32% |
| Nationwide | $338 | $4,051 | -28% |
Cheapest Car Insurance by Age Group in Tampa
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Tampa, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: Travelers (from $153 per month)
- Cheapest Car Insurance for Adults: Travelers (from $71 per month)
- Cheapest Car Insurance for Seniors: GEICO (from $91 per month)
Cheapest Car Insurance for Young Drivers in Tampa
Travelers and GEICO provide the most affordable car insurance for young drivers in Tampa, with average monthly rates of $153 and $159 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $153 | $1,842 | -50% |
| GEICO | $159 | $1,912 | -48% |
| Metropolitan Group | $175 | $2,105 | -42% |
| State Farm | $191 | $2,289 | -37% |
| AIG | $220 | $2,642 | -28% |
Cheapest Car Insurance for Adult Drivers in Tampa
In Tampa, Travelers provides the lowest rates for adult drivers (26 to 64), saving drivers around 47% on average. GEICO and State Farm are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $71 | $847 | -47% |
| GEICO | $84 | $1,011 | -37% |
| Metropolitan Group | $91 | $1,097 | -32% |
| State Farm | $93 | $1,114 | -31% |
| AIG | $109 | $1,303 | -19% |
Cheapest Car Insurance for Senior Drivers in Tampa
For seniors in Tampa, GEICO offers the lowest minimum coverage rates at $91 per month ($1,091 annually), while Travelers provides the cheapest full coverage at $210 monthly ($2,514 annually).
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $91 | $1,091 | -47% |
| Travelers | $95 | $1,143 | -44% |
| Metropolitan Group | $113 | $1,361 | -33% |
| State Farm | $114 | $1,367 | -33% |
| AIG | $157 | $1,880 | -8% |
Cheapest Car Insurance for High-Risk Drivers in Tampa
These insurance companies offer the lowest rates in Tampa for drivers with various risk factors:
- Cheapest for Bad Credit: GEICO (from $116 per month)
- Cheapest With a DUI: State Farm (from $100 per month)
- Cheapest With an Accident: Travelers (from $95 per month)
- Cheapest With a Speeding Ticket: Travelers (from $90 per month)
Cheapest Car Insurance for Bad Credit in Tampa
In Tampa, drivers with bad credit can find the lowest monthly premium of $116 for minimum coverage from GEICO. For full coverage, UAIC offers the most affordable rate at $224 per month.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| GEICO | $116 | $1,393 | -35% |
| Travelers | $124 | $1,490 | -30% |
| Metropolitan Group | $128 | $1,541 | -28% |
| Nationwide | $138 | $1,654 | -23% |
| AIG | $157 | $1,885 | -12% |
Cheapest Car Insurance With a DUI in Tampa
State Farm offers the most affordable car insurance rates in Tampa for drivers with a DUI. You can save up to 50% on full coverage and 46% on minimum coverage compared to average city rates.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $100 | $1,202 | -46% |
| Travelers | $106 | $1,274 | -43% |
| AIG | $127 | $1,518 | -32% |
| Metropolitan Group | $141 | $1,687 | -25% |
| GEICO | $144 | $1,727 | -23% |
Cheapest Car Insurance With an Accident in Tampa
Travelers offers Tampa's lowest car insurance rates for drivers with accidents, starting at $95 per month. This state minimum liability coverage costs 51% less than the city's average premium.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Travelers | $95 | $1,145 | -50% |
| State Farm | $108 | $1,297 | -43% |
| GEICO | $117 | $1,407 | -38% |
| Metropolitan Group | $128 | $1,533 | -33% |
| Nationwide | $157 | $1,889 | -17% |
Cheapest Car Insurance With a Speeding Ticket in Tampa
Travelers offers Tampa drivers the most affordable car insurance after a speeding ticket. Their minimum liability coverage costs about $90 monthly, while full coverage with higher limits runs around $198 per month.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Travelers | $90 | $1,079 | -44% |
| Metropolitan Group | $91 | $1,097 | -43% |
| State Farm | $100 | $1,202 | -37% |
| Nationwide | $129 | $1,548 | -19% |
| GEICO | $140 | $1,675 | -13% |
Best Car Insurance Companies in Tampa
Tampa's highest-rated car insurance companies are Travelers, State Farm, Nationwide, GEICO and Mercury Insurance. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Travelers | 98 | 1 | 1 | 4 |
| State Farm | 90 | 2 | 3 | 7 |
| Nationwide | 88 | 5 | 6 | 4 |
| GEICO | 87 | 4 | 5 | 7 |
| Mercury Insurance | 86 | 6 | 4 | 5 |
Travelers: Best Overall Value
pros
Excellent customer service ratings
Multiple driver discounts available
Strong coverage options
cons
Limited add-on coverage selections
Fewer local agents than competitors
COMPANY HIGHLIGHTS
Travelers ranks first in Tampa for its combination of strong customer service and competitive rates. The company excels in customer satisfaction, earning top ratings across all service categories. Travelers offers rates well below the Tampa average and ranks as the most affordable option for several driver categories, including new car owners, young drivers, and those with credit challenges.
State Farm: Best for Personalized Service
pros
Strong local agent network
Good driver discount programs
Easy claims process
cons
Limited coverage customization options
Fewer digital tools available
COMPANY HIGHLIGHTS
State Farm earns second place in Tampa by delivering reliable service through its extensive network of local agents. The company maintains high customer satisfaction ratings and provides rates below the city average. State Farm particularly stands out for high-risk drivers, offering the most competitive rates for those with DUI records. Their straightforward claims process and personalized service approach make them a solid choice for Tampa drivers.
How Much Is Car Insurance in Tampa?
In Tampa, minimum coverage costs about $135 per month or $1,620 per year, ranking 612th out of all Florida cities for affordability. Full coverage averages $315 monthly or $3,786 annually, ranking 533rd among Florida cities.
| Full Coverage | $315 | $3,786 |
| Minimum Coverage | $135 | $1,620 |
Compare Personalized Tampa Car Insurance Costs
To find rates that match your exact situation, filter the table below by combinations of age, driving history and other personal factors that affect Tampa car insurance costs.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $393 | $4,713 | 45% |
Tampa Car Insurance Costs by ZIP Code
In Tampa, car insurance rates by ZIP code range from $107 to $447 per month. ZIP code 33604 is the most expensive, while 33621 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:33604
| 33604 | $194 | $447 |
How to Get the Best Cheap Tampa Car Insurance
Tampa drivers face some of Florida's highest car insurance rates, and sorting through coverage options can feel overwhelming. Our step-by-step guide shows you how to find affordable coverage that fits your needs and budget.
- 1
Know your coverage needs
Start by determining how much coverage you need based on your car's value and personal risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation. Consider Tampa's weather risks and traffic patterns when deciding on coverage levels.
- 2
Explore alternative insurance types
Look into different types of car insurance that could save you money. If you drive less than 10,000 miles yearly, consider pay-per-mile coverage. Don't own a car? Non-owner insurance might be your best bet.
- 3
Check Tampa's average rates
Research average vehicle insurance costs in Tampa to set realistic expectations. Knowing typical rates helps you spot good deals and avoid overpaying. Compare rates across different ZIP codes as prices can vary significantly within the city.
- 4
Stack up available discounts
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Look into safe driver programs, defensive driving courses, and telematics options.
- 5
Research insurance company ratings
Check each insurer's financial strength and customer satisfaction ratings. Look for companies with strong records in claim handling and customer service in Florida. Read local reviews to understand how well they serve Tampa drivers specifically.
- 6
Get quotes from multiple providers
Request quotes from at least three different insurance companies. Use a mix of local agents, online tools, and direct carrier websites. Make sure each quote includes the same coverage levels and deductibles for accurate comparison.
- 7
Review coverage annually
Set a yearly reminder to review your policy and shop for better rates. Life changes like improving credit scores, moving, or buying a new car can affect your premiums. Regular reviews ensure you maintain the best rates for your situation.
Cheapest Car Insurance in Tampa: Bottom Line
Car insurance rates in Tampa depend on your age, driving record and credit score. While Travelers and State Farm offer the lowest average premiums in the area, compare quotes from multiple providers to find your best rate.
Cheap Tampa Car Insurance: FAQ
Looking for cheap car insurance in Tampa? Our FAQ section provides clear answers about finding affordable coverage that fits your needs. We break down costs, coverage options and discounts to help you save money while staying properly protected.
What is the cheapest car insurance company in Tampa, Florida?
Travelers offers the lowest rates in Tampa, with average annual premiums of $847 for minimum coverage and $1,854 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Tampa?
Travelers leads Tampa's insurance providers with a MoneyGeek score of 98 out of 100, scoring eight points higher than State Farm. Travelers excels in both affordable rates and quality customer service.
What is the average cost of car insurance in Tampa?
In Tampa, drivers pay $3,786 per year for full coverage and $1,620 for minimum coverage. Your actual rates will vary based on individual factors.
Is car insurance in Tampa expensive?
Car insurance in Tampa costs more than average, ranking 612th for minimum coverage affordability and 533rd for full coverage compared to other Florida cities.
How We Chose the Best and Cheapest Car Insurance in Tampa, FL
To help Tampa drivers find the most affordable auto insurance companies, MoneyGeek analyzed Tampa auto insurance rates based on data and information from the Florida Office of Insurance Regulation and Quadrant Information Services. We studied all ZIP codes in Tampa and hundreds of thousands of quotes for 12 companies offering auto insurance in Florida to tailor options as closely as possible to you.
Tampa Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Tampa with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Tampa
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Florida are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Tampa based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.