Cheapest Car Insurance in Tampa, FL

In Tampa, the three most affordable car insurance companies are GEICO, Travelers and State Farm. Insurance costs can vary based on your driving profile and the level of coverage you choose. The table below shows which company offers the best rates for different categories, helping you find the most affordable option for your needs.

Finding the cheapest car insurance in Tampa requires comparing rates from various providers. Costs depend on factors like age, driving history, vehicle type and coverage needs. While the cheapest car insurance company in Florida might not be the most affordable provider in Tampa, getting multiple car insurance quotes can help you find affordable coverage that fits your needs.

GEICO offers the cheapest minimum coverage car insurance in Tampa at $73 per month, while Travelers follows closely with a rate of $78. Check the table below to explore more providers offering the best rates for minimum car insurance coverage in Tampa:

Travelers offers the cheapest full coverage car insurance in Tampa at $1,911 per year. Check the table below to explore other providers with competitive rates for full coverage in the area:

In Tampa, your age can impact your car insurance costs. Young drivers usually pay more because they're new to driving. Over time, rates usually go down, but they can go up again after age 70. Below, find the most affordable insurance options for teens, young adults and seniors.

If you're in Tampa, Nationwide and State Farm offer the cheapest car insurance for teens. Check the table below for the lowest rates available for your age group in the city.

Travelers offers the most affordable car insurance for young adults in Tampa at $1,030 annually for minimum coverage. This is 40% cheaper than the city average. Following closely are GEICO, State Farm and Allstate.

GEICO offers the cheapest car insurance for seniors in Tampa with an annual rate of $796. Check the table below to explore options from other providers and find the best rates for senior drivers.

A low credit-based insurance score may lead to higher premiums than those for drivers with good scores. GEICO offers the cheapest car insurance for drivers with bad credit in Tampa at $1,829 per year for minimum coverage, while Nationwide is at $1,924. Review the table below for more options from other providers.

Insurance providers assess risk when calculating car insurance premiums, and your driving record plays a key role. Violations like speeding tickets, accidents or DUIs can significantly raise your rates. Even the cheapest car insurance for drivers with violations will be more expensive than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident or other driving offenses.

Drivers in Tampa with a DUI can still find affordable car insurance. State Farm offers the cheapest minimum coverage with an annual rate of $1,249. Check the table below to explore options from other providers and find the best rates for drivers with a DUI.

GEICO offers the most affordable minimum coverage car insurance for drivers with an at-fault accident in Tampa at $1,321 annually. Check the table below to explore options from other providers and find the best car insurance company for drivers with an at-fault accident record.

State Farm offers the most affordable car insurance for Tampa drivers with a speeding record at $1,249 annually. Travelers follows closely with an annual rate of $1,308. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates for drivers with a speeding record.

Military drivers, including active-duty members, veterans, and their families, can often find special discounts on car insurance in Tampa. Among the cheapest car insurance providers for military drivers, GEICO offers an annual minimum coverage rate of $870, while Travelers provides it at $939.

The estimated car insurance rates provide residents of Tampa a starting point for understanding expected premiums and finding affordable coverage. GEICO and Travelers offer competitive rates below the city average. However, because insurers consider individual factors, obtaining personalized quotes is the best way to accurately estimate actual costs.

Since each insurer evaluates personalized factors differently, comparing quotes is essential to find affordable car insurance rates. For Tampa drivers, MoneyGeek offers a convenient solution. By entering basic personal information, one can quickly receive multiple quotes from various companies. For instance, GEICO and Travelers offer competitive rates, making comparison worthwhile.

While comparing car insurance quotes online is a quick way to find affordable coverage, residents seeking a more personalized experience should contact local agencies for specific needs. Below, find the names, review ratings, and contact information for the top car insurance agencies in Tampa.

In Tampa, full coverage car insurance averages $3095 yearly. State minimum coverage is less, at about $1454 per year. Keep in mind, these rates are for a 40-year-old with a clean record and good credit; your price may differ.

See how your auto insurance stacks up with this table of average costs by driver profile. Compare and check if your deal is in line with others in your state.

Car insurance in Tampa costs about 22% more for minimum coverage and 20% more for full coverage compared to Florida's average. Expect to pay around $121 monthly for state minimum and $258 for full coverage.

Florida law mandates that drivers carry a minimum amount of car insurance to legally operate a vehicle. This includes coverage for property damage and personal injury protection (PIP). Understanding these requirements is crucial for all Florida drivers to ensure they are adequately protected and compliant with state regulations.

Florida's minimum car insurance coverage includes:

• $10,000 for property damage liability per accident.
• $10,000 for personal injury protection (PIP) per person.

An auto insurance policy provides financial protection against costs that arise from accidents. Liability coverage specifically helps cover the expenses for damages or injuries that the policyholder is responsible for in an at-fault collision.

For instance, if you are at fault in an accident and the other driver sustains injuries, your bodily injury liability coverage would contribute to their medical expenses up to the limit of your policy. In Florida, while bodily injury liability is not part of the minimum required coverage, it is highly recommended to have it for better financial protection.

Additionally, if you need SR-22 insurance in Tampa, it's important to maintain at least the state minimum coverage to legally drive. The SR-22 is a certificate proving you have the necessary insurance after a serious driving violation.

The hunt for the cheapest car insurance in Tampa takes into account your age, driving habits, the car you drive, and even your credit score. GEICO and State Farm often come up as affordable options. To make sure you're saving money, it's smart to compare quotes from different companies.

MoneyGeek helps you find affordable car insurance in Tampa by answering common questions. We focus on the best options for minimum coverage, ensuring you get the protection you need without breaking the bank.

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.

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

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