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Tampa Car Insurance

How much does car insurance cost in Tampa, FL? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Tampa?

Tampa, Arizona is a thriving business center but there is much to do in Tampa beyond commerce. For those that love arts, there is the Tampa Museum of Art and the Florida Museum of Photographic Arts. For history lovers, there's the Tampa Bay History Center. And for science enthusiasts, there is the Museum of Science and Industry. You'll find a little bit of everything on the city's 2.6-mile Riverwalk. There are restaurants, cultural venues, sidewalk art shows, public sculptures and parks along the way. The Riverwalk is also a great place to exercise for runners and bicyclists. For family fun, there is the Florida Aquarium in downtown Tampa, the ZooTampa located in Lowry Park, Glazer Children's Museum and Busch Gardens, an amusement park.

For a large city, there is not much mass transit in Tampa, so it is good to have your car to get around. Are you happy with your car insurance premium or do you feel like you are paying too much? Comparison shopping is the key to getting a better deal. SmartFinancial can help you with its network of more than 200 insurance partners. All you need to do is fill out a short form with SmartFinancial and you'll get quotes from several different car insurance companies.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Florida has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Tampa typically pay around $252.97 per month compared to the national average of $135.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.68
Florida $188.97
Tampa, Florida $252.97

Tampa, FL Best Car Insurance Companies

car insurance in Tampa

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, State Farm generally has the most affordable car insurance in Tampa coming in around $201.02 per month. Other companies to consider if you live in Tampa is 21st Century with an average cost of $265.54 per month and Direct Auto which typically runs around $286.30 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Tampa.

RankCompanyAverage Monthly RateComparison State Average
1 State Farm $201.026.37%
2 21st Century $265.5440.52%
3 Direct Auto $286.3051.50%
4 Allied $294.4555.82%
5 Liberty Mutual $296.5656.93%
6 Allstate $301.2759.43%
7 Mercury $306.2762.07%
8 Direct General Insurance $324.4571.69%
9 Dairyland Auto $338.5779.16%
10 Metropolitan $344.0082.03%

How Much is Car Insurance in Tampa, FL?

how much is auto insurance in Tampa

Rates can vary from city to city. The residents of Fort Lauderdale typically pay $225.53 per month while people who live in Jacksonville will pay $176.70 per month on average. See what people pay for car insurance in other cities in Florida.

Florida CitiesMonthly Average Rate
Fort Lauderdale $225.53
Jacksonville $176.70
Miami $272.22
Orlando $202.89
Tampa $255.72

Cheap Car Insurance in Tampa by Zip Codes

find cheap auto insurance in Tampa

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Florida. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Tampa, FL ZIP CodeAverage Monthly Rate
33601$369.71
33602$264.78
33603$292.06
33604$270.40
33605$299.62
33606$278.05
33607$270.66
33609$200.13
33610$267.75
33611$204.83
33612$257.68
33613$245.85
33614$310.34
33615$233.65
33616$200.40
33617$252.21
33618$233.91
33619$253.15
33620$343.03
33621$319.68
33623$208.67
33624$240.26
33625$231.27
33626$198.00
33629$210.99
33634$272.14
33635$216.06
33637$220.13
33647$215.85
33655$436.03
33662$246.06
33663$485.06
33672$136.15
33674$406.16
33675$376.16
33682$255.81
33684$374.98
33685$218.91
33688$329.70
33689$209.12
33694$182.77

Car Insurance Rates by Driver's Age Group in Tampa

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $469.98 per month in Tampa. Compare that to drivers in their 30’s who typically pay around $241.19 per month drivers in their 40s at $231.96 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$469.98
20s$301.32
30s$241.19
40s$231.96
50s$202.22
60s$180.99
70+$216.24

Cheapest Insurance for Teenage Drivers in Tampa

If you are teen in Tampa you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, 21st Century typically charges around $428.07 per month. This is likely the most affordable option in Tampa. You might also want to consider State Farm and Direct Auto who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
21st Century$428.07
State Farm$439.79
Direct Auto$507.89
Direct General Insurance$637.23
Allstate$679.80

Cheapest Insurance for 20 Year-olds in Tampa

20 year-olds in Tampa might want to consider State Farm who, on average, offers car insurance rates around $247.15 per month. Liberty Mutual, Dairyland Auto , 21st Century and Direct Auto are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
State Farm$247.15
Liberty Mutual$278.71
Dairyland Auto$280.06
21st Century$311.90
Direct Auto$330.30

Cheapest Insurance for 30 Year-olds in Tampa

If you are in your 30s in Tampa our research has found that State Farm typically has the most affordable coverage coming in around $171.94 per month, followed by Mercury at $249.72 and 21st Century at $251.37.

CompanyAverage Monthly Rate
State Farm$171.94
Mercury$249.72
21st Century$251.37
Allied$255.00
Allstate$263.58

Cheapest Insurance for 40 Year-olds in Tampa

On average, State Farm offers car insurance for 40 year-olds in Tampa for around $175.22 per month. If you are looking for affordable coverage, you may also want to consider 21st Century or Mercury. The full list of top companies is below.

CompanyAverage Monthly Rate
State Farm$175.22
21st Century$242.66
Mercury$247.59
Allied$258.51
Direct Auto$264.32

Cheapest Insurance for 50 Year-olds in Tampa

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Tampa we found that State Farm generally offers the most affordable coverage at $162.42 per month.

CompanyAverage Monthly Rate
State Farm$162.42
Mercury$212.39
21st Century$225.02
Allstate$225.96
Allied$234.77

Cheapest Insurance for 60 Year-olds in Tampa

If you live in Tampa and you’re in your 60s, our data indicates that State Farm usually has the best rates at $159.49 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$159.49
21st Century$204.78
Mercury$209.64
Allied$227.02
Direct Auto$227.72

Driver's Coverage Auto Insurance Rates in Tampa, FL

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Tampa, the average monthly rate for a driver who is currently insured is $218.89 while drivers who are not currently covered will pay around $291.09.

CoverageAverage Monthly Rate
Not Currently Insured $291.09
Currently Insured $218.89

Compare Recent Car Insurance Quotes in Tampa

auto insurance quotes in Tampa city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Tampa a driver of a 2020 Hyundai Accent can expect to pay around $254.94 per month while someone that owns a 2012 Chrysler 200 may pay around $167.07 per month. Check out the list of recent quotes in Tampa below.

VehicleAverage Monthly Rate
2020 Hyundai Accent$254.94
2012 Chrysler 200$167.07
2021 Jeep Compass$243.39
2007 Hyundai Sonata$214.13
2008 Nissan Altima$203.42
1999 Ford Ranger$275.04
2011 Chevrolet Impala$171.52
2005 Nissan Titan$175.49
1998 Toyota TACOMA XTRACAB PRERUNNER$200.65
2012 Toyota Corolla$272.64

FAQ's for Drivers in Tampa, FL

driver’s frequently asked question in Tampa

Tampa Auto Insurance Requirements

You are required to have auto liability insurance coverage in Tampa.

What Is the Minimum Liability Coverage Requirement in Tampa?

$10,000 bodily injury liability coverage per person

$20,000 bodily injury liability coverage per accident

$10,000 property damage

What Is the Blood Alcohol Concentration (BAC) limit in Tampa?

The legal blood alcohol content (BAC) level limit is .08% in Florida. The same legal limit applies in any state you may be traveling in. If you have a .08% BAC level limit in Tampa, Arizona and you drive a motor vehicle you could be convicted of a DUI. In Florida, you could face fines up to $1,000, up to six months in jail and 50 hours of community service.

After a DUI conviction, your car insurance rates will go up. How high the increase depends on your insurer. Some insurance companies charge lower rates for DUIs than others. SmartFinancial can help you find insurance companies that charge lower rates for DUI convictions.

Can I Register My Car Without Insurance in Tampa?

You must have liability insurance coverage before you can register a car in Tampa. Your vehicle registration and auto liability insurance are important items. Keep these items up-to-date. This is true even if you do not use the car. The insurance must be issued by an insurance company authorized by the Florida Department of Insurance and certified by the Florida State DMV. Here's one more thing to consider. The insurance for your car must be issued in the name of the vehicle registrant. In other words, the name on the vehicle registration must match the name on the insurance.

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Commute Time in Tampa, FL

24 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Tampa, FL

319

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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