Best Cheap Auto Insurance in Tampa, Florida (2023)
When looking for the best car insurance in Tampa, you’ll want to compare different companies until you find one that offers the coverage and features you need.
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The right policy for your coverage needs depends on your vehicle, budget, risk tolerance, and personal preferences. For example, most consumers take the cost of an auto insurance policy into consideration.
On average, Tampa drivers pay a monthly rate of $596 per month for car insurance — significantly more than the Florida state average of $349. Paying a higher premium than that doesn’t guarantee higher quality coverage, and paying a lower price doesn’t necessarily mean you’ve found the best deal for you. The goal is to find the right amount of coverage for the right price.
Here’s what you need to know about how to find cheap car insurance in Tampa, tips for saving on your premiums, and choosing the right insurer.
Quick Facts
Tampa drivers pay about 53% more for car insurance than the state’s average cost.
GEICO and State Farm offer some of the cheapest rates for Tampa drivers.
In Tampa, drivers must have at least the state’s minimum required amount of liability insurance — $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) coverage.
Best Tampa car insurance companies
Car insurance companies operate uniquely and offer different options for pricing, types of coverage and endorsements, discounts, and more. You should determine what you value in an auto insurer before comparing quotes from Tampa car insurance companies.
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Average Monthly Quote: Liability Only
Insurify Quality Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$100/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$112/mo
A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO also sells homeowner, flood insurance, life insurance, business insurance, and identity protection, among other products. A.M. Best gives GEICO its highest rating for financial stability and credit. However, GEICO has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Good communication
John - February 4, 2023
Verified
They offer the best rate.
Shannon - February 1, 2023
Verified
Any time I called them, they were on top of it and gave me an answer right away.
GEICO ranks as the best overall car insurance option for Tampa drivers due to low average prices and an IQ Score of 4.3 out of 5, indicating reliability and quality service.
On average, GEICO policyholders pay a monthly premium of $214 for liability-only coverage. Drivers with a clean record pay just $170 per month for full-coverage insurance, but people pay monthly averages of $243 with a past accident, $338 with a DUI, and $228 for a speeding ticket.
Pros
Numerous available discounts
Car insurance available in all 50 states
Customizable car insurance coverage
Cons
Rideshare and gap insurance not available
Earned a near-average J.D. Power customer satisfaction ranking in Florida[1]
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$168/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$190/mo
Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.
Pros
Well-established with superior ratings from A.M. Best
Pay-per-mile option available
Cons
Low customer satisfaction
Rates are merely average compared to other insurers
Good company, but costs more for premiums
Patricia - February 1, 2023
Verified
My rate for auto insurance jumped approximately $100 after six months and I was unable to get a satisfactory explanation.
Burl - January 30, 2023
Verified
They’ve given good service, but there were times when things could have been handled a bit more professionally.
Allstate combines a low average monthly rate for liability-only coverage ($362) with an IQ Score of 4.1. When looking for cheap car insurance, you also want to look for a quality service. Though Allstate doesn’t offer the cheapest available rates, the company advertises 14 discounts that you can use to save on your premium.
Pros
Convenient online claims process
Wide variety of available coverage options, including rideshare insurance
Above-average J.D. Power customer satisfaction ranking in Florida
Cons
Offers less affordable rates than other companies
Above-average number of customer complaints, according to the National Association of Insurance Commissioners (NAIC)
Drivers with a past accident or DUI face high premiums
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$97/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$109/mo
State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.
Pros
High rates of customer satisfaction
Rideshare insurance available
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
With the highest IQ Score on the list (4.4), State Farm also offers the lowest average monthly rates for liability-only and full-coverage insurance in Tampa. Drivers pay $208 and $166 per month, respectively — making this insurer both cheap and reliable.
State Farm makes it easy to streamline your insurance coverage with the option to bundle your auto insurance policy with life or property insurance. This bundling discount can lead to savings of up to more than $1,100, according to the company.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$200/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$230/mo
Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.
Pros
Accident forgiveness available
Robust coverage selections and discount offerings
Cons
Rideshare coverage only available in Colorado and Illinois
High number of negative customer reviews with the Better Business Bureau
Helped me when I needed them
Ian - January 19, 2023
Verified
They have always stuck with me through thick and thin.
Luther - January 13, 2023
Verified
We’ve had them for more than 15 years; bundled but need a policy for our car in Florida
With an IQ Score of 4.2, Travelers provides retirees a quality insurance option. You get to leave the long commute behind when you retire, which means you have less risk of filing an auto insurance claim. The company’s IntelliDrivePlus program makes it easy for you to save on insurance if you drive infrequently. Travelers also offers discounts for good driving behaviors.
Pros
Digital tools allow for easy online policy management
A.M. Best rating of A++
Accident forgiveness coverage available
Cons
Below-average J.D. Power customer satisfaction rating in Florida
Below-average Better Business Bureau (BBB) customer rating
Rideshare coverage only available in Colorado and Illinois
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$225/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$305/mo
For a little more than 20 years, Direct Auto has specialized in providing insurance for non-standard drivers who may struggle to find affordable coverage elsewhere, and to drivers who need SR-22 certification. Today, the company sells car, motorcycle, and term life insurance, car insurance in Mexico, roadside assistance, and vehicle protection plans. Direct operates in just 16 states. The company has an A+ rating from A.M. Best for financial and credit strength, but nearly 35 times the number of expected complaints in the National Association of Insurance Commissioners Customer Complaint Index.
Pros
Customers can bundle car insurance with other auto-related products
Families insuring more than one driver and two or more cars will appreciate the amount of discounts that Direct Auto offers to households with multiple drivers. Direct Auto offers multi-policy, automatic payment, multi-vehicle, multi-product, prior coverage savings, driver education, and homeowner discounts. Direct Auto policyholders in Tampa pay $446 per month on average.
Pros
Can file claims online or over the phone
Good student discounts available for student drivers
Checking account or credit card not required for payments
Cons
Homeowners insurance policies not available
Gap or rideshare insurance not included in auto coverage
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$195/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$267/mo
Owned by Liberty Mutual, Safeco offers car, homeowners, renters, pet, and other insurance products. The company has been in busines since 1923, and provides new vehicle replacement coverage, rental car reimbursement, liability, and full-coverage policies. Safeco’s money-saving programs include accident forgiveness, a diminishing deductible, and a cash back program for customers who remain claims-free for six months. The company has an average amount of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and placed 13th on the J.D. Powers’ Overall Customer Satisfaction Index. A.M. Best gives Safeco a score of A for financial stability.
Pros
Pays cash back to customers who remain claims-free
Many options for customizing car insurance
Cons
Limited number of discounts
Customer reviews indicate room for improvement in customer service
Good company but still kind of expensive
Pennie - February 8, 2023
Verified
No issues with them, but I do wish it was less expensive.
Safeco earned an IQ Score of 3.8 and has an average monthly rate of $356, which is lower than the average rate in Tampa. Coverage with Safeco includes access to roadside assistance when you need it, making it a great option for commuters. If something happens on the road, Safeco can help you handle it.
Pros
Provides accident forgiveness, claims-free cash back, and a diminishing deductible
Rental car cost assistance available after an accident
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$222/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$250/mo
Mercury is a 62-year-old insurance company that sells auto, home, condo, renters, and business insurance. In addition to standard car insurance coverage types, Mercury also offers rental car reimbursement, roadside assistance, rideshare insurance, and more. Mercury customers can save with multiple discounts, and the opportunity to bundle their auto insurance with home or renters coverage. The compay has an A rating from A.M. Best for financial stability. Mercury has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index. However, J.D. Power ranked the company fourth incustomer satisfaction in California.
Pros
Numerous coverage options, discounts, and bundling opportunities
Competitive auto insurance prices
Cons
Only available in 11 states (including California)
Only available in 11 states (including California)
While Mercury doesn’t have the lowest average monthly cost for Tampa drivers ($513), the company offers discounts for students and their families to bring costs down substantially. These include good student, multi-car, and multi-policy discounts. An IQ Score of 3.6 should also assure parents that their teen or children younger than 25 will receive quality coverage.
Pros
Highly rated mobile app allows for easy claims filing and policy management
Roadside assistance and rideshare coverage available
Offers a discount when bundling home and auto insurance
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.3
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$215/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$382/mo
Dairyland began as a regional company in Wisconsin in 1953, selling car insurance to drivers who couldn’t get standard coverage. Acquired by Sentry in 1966, Dairyland now sells auto, motorcycle, and off-road insurance nationwide, and still caters to non-standard drivers. The company also sells renters, RV, and life insurance, and car insurance in Mexico. Although Dairyland has many positive customer comments on review websites, it has a slightly higher-than-average number of complaints in the National Association of Insurance Commissioners Customer Complaint Index. A.M. Best, however, gives the company an A+ rating for financial stability and credit.
Pros
Many positive customer reviews
Provides coverage to drivers who may not be able to get it elsewhere
For drivers in most states, Dairyland provides quality coverage for high-risk drivers who may have a poor credit or driving history. The company even extends coverages to drivers with no records to view at all.
Dairyland can help policyholders file SR-22 forms when needed due to a past DUI or other serious violation, too. On average, drivers pay $481 per month for liability-only coverage.
Pros
Advanced payment, policy transfer, and payment frequency discounts available
Provides policy restarts if your insurance lapses due to a missed payment
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$421/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$425/mo
In business for more than 100 years, National General is part of Allstate. The company offers personal and commercial car insurance, homeowners insurance, renters coverage, and more, through a network of independent agents across the country. In addition to liability, collision, and comprehensive coverage, National General also offers accidental death and dismemberment, roadside assistance, and auto protection coverage. A.M. Best rates the company’s financial strength as excellent, meaning National General should be able to pay policyholder claims. However, the company has nearly seven times the expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.
If your favorite type of vacation involves a road trip, you should consider an auto policy from National General. If something goes wrong on the road, you’ll have the support you need with a $500 emergency expense allowance from National General and the ability to report claims any time of day. Coverage also includes roadside assistance. On average, drivers pay $348 per month for liability coverage.
Pros
Variety of coverage options, including RV and motorcycle coverage
24/7 claims chat option
A+ BBB rating
Cons
History of high premium prices
NAIC complaint rating of 6.43
Mobile app not available for Apple devices
Find Car Insurance in Tampa, Florida
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Liability-only vs. full-coverage insurance in Tampa
In the state of Florida, drivers legally need to have a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) coverage for their liability auto insurance policy.[2] Drivers with older cars may find that choosing a liability-only policy over a full-coverage policy — which covers more perils and includes comprehensive and collision coverage — makes sense because of their car’s low value.[3] But having full-coverage insurance provides you and your vehicle with the most protection.
Below is a look at the cheapest auto insurance in Florida by policy type. You can see how pricing can vary greatly by insurer. For example, The General charges an average of $431 more per month for a liability-only policy than State Farm does. That would lead to you spending $5,172 more on auto insurance each year if you chose The General over State Farm (at the same quoted monthly prices).
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Florida car insurance rates by driving and accident history
Your driving history can help insurance companies better understand what type of risk you pose when it comes to filing claims. Having a clean driving history can result in better auto insurance prices because it indicates you have less of a chance of filing pricey claims than other drivers. Avoiding violations like speeding tickets, driving under the influence (DUI), and at-fault accidents can help you keep your auto insurance premiums lower.
Here’s a look at average monthly quotes for the cheapest car insurance in Florida based on driving and accident history. You’ll find the cheapest rates with State Farm, GEICO, Allstate, and Travelers, starting at $166 for drivers with a clean record.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Tampa car insurance quotes by credit tier
Florida allows auto insurance companies to take applicant credit scores into consideration when determining premium pricing. Generally, auto insurers view drivers with good credit scores as less likely to file insurance claims than drivers with poor credit scores — which leads to better prices for consumers with stronger scores.[4]
Tampa car insurance rates by driver age
Being young can make car insurance more expensive. Drivers with less experience pay far more for insurance than older, more mature drivers. Car insurance rates start to drop with time. As you can see in the below table, teenagers spend around twice as much as drivers in their 20s and beyond.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to shop for the best car insurance in Tampa
When shopping for the best car insurance in Tampa, keeping the following tips in mind can help ensure you find the right policy for your needs.
Do your research. First, it’s essential to research the various insurance companies on the market. Take some time to read up on their offerings and compare them. While you do, you should also check out online customer reviews. This will give you a better understanding of the policies available and help you narrow down your options.
Check company licensing. Confirm the insurer you choose is licensed to operate in your state before digging into their offerings. This’ll save you time and effort from requesting quotes from companies that won’t be able to serve you.
Request a handful of quotes. After gathering all the needed information, compare quotes and coverage from several different insurance companies. You don’t necessarily need to find the cheapest insurance policy, but you want to find the one that offers the right amount of coverage at the best price. Request quotes for the same amount of coverage from all companies you’re considering so you can accurately compare prices. You can easily do this with a reliable quote-comparison tool like Insurify.
How to get the cheapest car insurance in Tampa
You have a few options to help you save money on car insurance in Tampa:[5]
Go for a higher deductible. One of the most effective ways to decrease your rates is increasing your deductible. By opting for a higher deductible amount, your monthly premiums will decrease. However, you should choose a deductible amount that you can afford in the event of an incident requiring you to file a claim.
Buy multiple policies. If you have multiple types of insurance with the same company, you can save money by bundling your policies. Many insurers offer a range of insurance policies, so you can look for a company that can offer you renters, homeowners, life, business, or another type of insurance alongside car insurance. By doing so, you’ll likely receive a discount on your policies altogether.
Ask about discounts. Check with your potential insurance company to see what discounts it offers. You or members of your family on your policy may qualify for discounts such as defensive driving or good student discounts. Taking advantage of these discounts can help you cut down on your monthly car insurance expenses.
Is car insurance more expensive in Tampa?
Insurance prices vary depending on several factors, including your location, according to Lauren McKenzie, an insurance broker at A Plus Insurance. Weather events, crime rates, and other location-specific factors can also influence insurance premiums.
“Some areas in Florida are highly populated, resulting in more car accidents than other areas,” McKenzie explains, “which would make the insurance prices higher in that area compared to other areas.”
The average monthly cost of car insurance in Pensacola is $295, which is significantly less than Tampa’s average cost of $596. The following table illustrates how other Florida cities compare to Tampa for car insurance costs.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Tampa drivers also have car insurance rates that are significantly higher than averages in other large cities. For example, Tampa residents pay nearly 70% more for car insurance than drivers in Chicago.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
If you still have questions about buying car insurance in Tampa, this additional information can help you feel prepared to start shopping for a policy.
Who has the cheapest car insurance in Tampa?
Some good insurance companies to start your search with for liability insurance include State Farm ($208 per month on average for liability-only coverage), GEICO ($214), and Allstate ($362). These companies offer some of the best prices on average to Tampa drivers. They also offer the lowest premiums on average for drivers with DUIs, speeding tickets, and accidents on their record.
Comparing multiple insurance quotes can help you find the cheapest car insurance rate for your situation.
Why is auto insurance so expensive in Florida?
Because local weather events and traffic patterns can all affect someone’s likelihood of filing a claim, auto insurers use your city and specific ZIP code when determining policy pricing. For example, the fact that Florida faces great risk for hurricanes can put cars at a high risk of damage, which can lead to more expensive insurance premiums.
What are the best car insurance companies in Tampa?
Some of the best car insurance companies in Tampa include State Farm, GEICO, and Allstate. All three of those car insurance companies earned high IQ Scores and top spots on the J.D. Power 2022 U.S. Auto Insurance Study, which looks at levels of customer satisfaction. Additionally, the three insurers charge the least for liability-only policies in Tampa on average.
What is the average cost of car insurance per month in Tampa?
The average cost of car insurance per month in Tampa is $596 per month, but your driving record, age, driving frequency, gender, and more can influence how much you actually end up spending on car insurance.
Is Tampa within a no-fault state?
Yes. When you live in ano-fault state like Florida, your insurance policy will cover expenses, regardless of fault in an accident.
“In most states, the insurance of the driver responsible for the car accident is responsible for paying medical expenses and property damage to the other party's vehicle,” McKenzie says. “In Florida, drivers are responsible for their own medical and property damage with their own insurance.”
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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