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 serves drivers in Tampa, offering rates that appeal to specific driver groups. Travelers is a good first option, offering strong savings. Since insurance prices in Tampa vary widely between companies, comparing quotes is especially important.

Young drivers pay the most for minimum coverage, averaging $1,842 per year with Travelers, due to higher risk and Florida’s tough driving conditions. Travelers also offers the best deal for adult drivers at $847 per year.

Senior drivers with State Farm pay around $1,143 per year, about 35% more than adults. While Travelers has the best prices for young drivers, State Farm remains competitive for adults and seniors.

Rates vary by age, so comparing quotes by driver group helps find the best deal.

Travelers and GEICO offer the lowest rates for young drivers in Tampa, averaging $153 and $159 per month, 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 (starts at $116 per month)
• Cheapest With a DUI: State Farm (starts at $100 per month)
• Cheapest With an Accident: Travelers (starts at $95 per month)
• Cheapest With a Speeding Ticket: Travelers (starts at $90 per month)

In Tampa, GEICO has the lowest rate for drivers with bad credit, offering minimum coverage at $116 per month. For full coverage, UAIC offers the best deal 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 ranks highest in Tampa’s tough insurance market with a MoneyGeek Score of 98 out of 100. It offers affordable premiums, strong customer satisfaction and few complaints, giving drivers dependable coverage at a fair price.

State Farm also delivers great value, with competitive rates for adult and senior drivers and high customer satisfaction. Its wide agent network adds a personal touch that many Tampa drivers like.

Both insurers have earned strong reputations, even in Tampa’s challenging insurance market.

In Tampa, car insurance costs about $1,620 per year for minimum coverage and $3,786 per year for full coverage. These prices are much higher than the Florida average of $980 for minimum coverage.

Travelers offers lower rates at around $847 for minimum coverage. Because Tampa has some of the highest premiums in the state, it’s important to compare quotes carefully to help lower your costs.

Car insurance prices across Tampa ZIP codes range from $107 to $447 per month. ZIP code 33604 has the highest rates, while 33621 is the lowest. Use the table below to find the average cost in your area.

Tampa drivers pay some of the highest car insurance rates in Florida, and sorting through coverage choices can be confusing. This step-by-step guide helps you compare options to get the best value for your situation.

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 car insurance companies in Tampa for both minimum and full coverage policies.

Florida’s minimum coverage requirements:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

Full coverage policy used for comparison:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision coverage with a $1,000 deductible each

Our Best Company Rating Methodology

We evaluated insurance companies in Tampa using three main factors:

• Affordability (60% of score): Based on rate comparisons for common driver profiles across the city.
• Customer Experience (30% of Score): Measured using reviews and data from sources such as Google, J.D. Power, AM Best and driver feedback on online forums.
• Coverage Options (10% of Score): Evaluates the range of coverage options and any added perks each insurer provides.