Buy Cheap Tampa, FL Auto Insurance (2021)

Tampa, FL auto insurance rates average $536 a month. Minimum auto insurance requirements in Tampa, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Tampa, FL, compare Tampa auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Tampa, FL after a DUI are $7,722/year
  • Average auto insurance rates in Tampa, FL are $536/month
  • The most expensive auto insurance company in Tampa after a DUI is Allstate

Finding affordable Tampa, Florida auto insurance can be challenging, but everything you need to know to buy cheap Tampa, FL auto insurance with confidence is right here. Auto insurance rates in Tampa are affected by local factors as well as personal ones like your driving record.

See how Tampa, FL car insurance rates compare to Hialeah auto insurance rates, Jacksonville auto insurance rates, and Miami auto insurance rates before you read more about the cost of auto insurance in Tampa.

Don’t buy Tampa, FL auto insurance until you’ve compared rates. Get free Tampa, Florida auto insurance quotes when you enter your ZIP code above.

Tampa, FL Minimum Auto Insurance Requirements

The required auto insurance in Tampa, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Tampa, Florida is outlined here.

Minimum Required Auto Insurance Coverage in Tampa, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Tampa, FL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Tampa, FL. Take a look at Tampa, Florida auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Tampa, Florida

Insurance Company Poor Fair Good
Allstate $17,087 $10,551 $8,389
GEICO $6,949 $4,190 $3,136
Liberty Mutual $9,814 $7,136 $5,736
Nationwide $7,376 $5,369 $4,834
Progressive $8,779 $6,253 $5,193
State Farm $6,364 $4,114 $3,344
USAA $5,608 $2,763 $2,011

Buy Cheap Tampa, FL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Tampa, Florida auto insurance rates? Find out how car insurance rates in Tampa, FL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Tampa, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $7,755 $7,219 $6,676 $6,668 $25,748 $27,423 $7,317 $7,266
GEICO $3,772 $3,787 $3,526 $3,526 $6,727 $8,378 $4,153 $4,196
Liberty Mutual $5,157 $5,157 $4,704 $4,704 $11,176 $17,355 $5,157 $7,085
Nationwide $4,099 $4,031 $3,654 $3,776 $9,940 $12,189 $4,513 $4,674
Progressive $4,519 $4,231 $3,845 $4,122 $12,819 $13,856 $5,439 $5,103
State Farm $2,877 $2,877 $2,609 $2,609 $8,495 $10,765 $3,215 $3,410
USAA $1,983 $1,946 $1,861 $1,840 $6,907 $7,997 $2,478 $2,672

Buy Cheap Tampa, FL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Tampa can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Tampa, FL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Tampa, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $25,748 $27,423
GEICO $6,727 $8,378
Liberty Mutual $11,176 $17,355
Nationwide $9,940 $12,189
Progressive $12,819 $13,856
State Farm $8,495 $10,765
USAA $6,907 $7,997

Buy Cheap Tampa, FL Auto Insurance for Seniors

You can save on senior auto insurance rates in Tampa, Florida by comparing Tampa senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Tampa, FL here.

Annual Auto Insurance Rates for Senior Drivers in Tampa, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $6,676 $6,668
GEICO $3,526 $3,526
Liberty Mutual $4,704 $4,704
Nationwide $3,654 $3,776
Progressive $3,845 $4,122
State Farm $2,609 $2,609
USAA $1,861 $1,840

Find Cheap Auto Insurance Rates in Tampa, FL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Tampa, Florida auto insurance. Compare Tampa, FL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Tampa, Florida

Insurance Company Low Medium High
Allstate $8,919 $12,711 $14,397
GEICO $3,873 $4,930 $5,472
Liberty Mutual $6,877 $7,702 $8,106
Nationwide $4,519 $6,111 $6,949
Progressive $5,479 $6,920 $7,826
State Farm $3,901 $4,728 $5,192
USAA $2,932 $3,598 $3,851

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Find Cheap Tampa, FL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Tampa. Compare auto insurance rates in Tampa, FL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Tampa, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $11,668 $12,350
GEICO $4,735 $4,781
Liberty Mutual $7,309 $7,815
Nationwide $5,860 $5,860
Progressive $6,742 $6,742
State Farm $4,441 $4,774
USAA $3,421 $3,500

Find Cheap Tampa, FL Auto Insurance Rates by ZIP Code

Auto insurance rates in Tampa, Florida can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Tampa, FL to see how much where you live in Tampa affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Tampa, Florida

ZIP Code Average Annual Rates
33602 $5,251
33603 $5,272
33604 $5,188
33605 $5,217
33606 $5,136
33607 $5,312
33609 $4,693
33610 $4,975
33611 $4,597
33612 $5,217
33616 $4,596
33617 $4,427
33620 $4,573
33621 $4,468
33629 $4,597
33634 $5,119
33635 $4,741
33637 $4,750
33647 $4,292

Find Cheap Tampa, FL Auto Insurance Rates by Driving Record

Auto insurance rates in Tampa, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Tampa, FL, take a look at the average cost for various violations versus rates for a clean driving record in Tampa.

Annual Tampa, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,361 $12,538 $13,672 $11,465
GEICO $3,297 $4,230 $6,324 $5,182
Liberty Mutual $5,349 $7,055 $10,405 $7,439
Nationwide $4,976 $5,482 $7,436 $5,544
Progressive $5,313 $7,874 $6,639 $7,141
State Farm $4,198 $5,017 $4,607 $4,607
USAA $2,696 $3,343 $4,972 $2,830

Find Cheap Tampa, FL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Tampa, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Tampa for less when you shop around and compare rates from multiple Tampa, FL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Tampa, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $13,672
GEICO $6,324
Liberty Mutual $10,405
Nationwide $7,436
Progressive $6,639
State Farm $4,607
USAA $4,972

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Winners by Category: Where to Buy Cheap Auto Insurance in Tampa, FL

Compare rates from the cheapest auto insurance companies in Tampa, FL for your needs. Take a look at how Tampa, Florida auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Tampa, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Find Cheap Tampa, Florida Auto Insurance Companies

If you’re looking for the cheapest Tampa, FL auto insurance companies overall, you can compare them here. Find the best price for Tampa, Florida car insurance by company.

Average Annual Auto Insurance Rates by Company in Tampa, Florida

Insurance Company Average Annual Rates
Allstate $12,009
GEICO $4,758
Liberty Mutual $7,562
Nationwide $5,860
Progressive $6,742
State Farm $4,607
USAA $3,460

What affects Tampa, Florida auto insurance rates?

Local factors affect auto insurance rates in Tampa, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Tampa auto insurance rates.

Auto Theft in Tampa

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Tampa, FL auto theft show a total of 460 vehicle thefts annually.

Commute Times in Tampa

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Tampa, FL is 24.6 minutes according to City-Data.

Traffic in Tampa

How is traffic in Tampa, Florida? Inrix data shows that Tampa, FL traffic makes it the 228th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Tampa, FL

You can buy cheap Tampa, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Tampa, Florida auto insurance quotes from top companies.

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