Car Insurance in Tampa

Travelers offers rates of $847 per year for minimum coverage and $1,854 per year for full coverage, both running 48% under the city average. State Farm and GEICO provide competitive alternatives at $1,114 and $1,011 annually for minimum coverage.

Metropolitan Group also operates in Tampa with pricing that appeals to certain driver segments. The substantial savings available through Travelers make it the clear starting point. Tampa's dramatic pricing variance across carriers makes comparison shopping particularly valuable.

Young drivers face the highest costs at $1,842 annually with Travelers for minimum coverage, reflecting both risk assessment and Florida's challenging driving conditions. Adult drivers secure the best rates at $847 per year with Travelers, enjoying major savings.

Senior drivers from State Farm pay $1,143 annually, about 35% more than adults. While Travelers offers the best young driver rates, State Farm is competitive for adults and seniors.

Different carriers win for different age groups, making demographic-specific shopping essential.

Travelers and GEICO provide the most affordable car insurance for young drivers in Tampa, with average monthly rates of $153 and $159 respectively.

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.

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).

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)

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.

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.

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.

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.

Travelers leads Tampa's challenging insurance market with a MoneyGeek score of 98 out of 100, the highest in the city. The company combines reasonable premiums with outstanding customer experience scores and minimal complaints, providing reliable coverage while managing costs effectively.

State Farm offers exceptional value with competitive rates for adult and senior drivers plus solid customer satisfaction. State Farm's extensive agent network provides personalized service that many Tampa drivers appreciate.

Both companies maintain strong reputations despite Tampa's notoriously difficult insurance environment.

Car insurance in Tampa costs an average of $1,620 per year for minimum coverage and $3,786 per year for full coverage. These rates significantly exceed the Florida state average of $980 for minimum coverage.

Travelers offers rates well below the city average at $847 for minimum coverage. Tampa drivers face some of Florida's highest insurance premiums, making thorough comparison shopping essential for managing costs.

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.

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.

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.

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.

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.