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Tampa Car Insurance

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Tampa car insurance

Tampa ZIP code 33607 is the most expensive place in the Tampa area for Florida car insurance, $625 more than the cost of the cheapest, according to our rate analysis of six major car insurance companies.

Comparison shopping is critical to finding the best rates regardless of where you live because no two insurance companies will price a policy at the same amount. The wide range in rates from different insurers for the same driver in the same car in the same ZIP code shows why it's prudent to compare car insurance companies. For example, the highest rate from any carrier for ZIP 33603 in our analysis was $4,512 -- over $3,000 more more than the lowest ($1,464).That means the savings could be hundreds or even thousands of dollars for those who shop around.

To see how Tampa car insurance rates compare, use our average rates tool below. Enter a ZIP code and it will show the average rate, as well as the highest and lowest, for your location.

Tampa Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.

Invalid ZIP code or data not available
MOST & LEAST EXPENSIVE ZIP CODES in Florida
HIGHEST RATE:
  • 33135- CORAL GABLES: $3,310
  • 33136- MIAMI: $3,275
  • 33147- BROWNSVILLE: $3,275
  • 33142- BROWNSVILLE: $3,275
LOWEST RATE:
  • 32693- FANNING SPRINGS: $1,443
  • 32459- MIRAMAR BEACH: $1,447
  • 32435- DE FUNIAK SPRINGS: $1,450
  • 32433- DE FUNIAK SPRINGS: $1,450


Tampa car insurance rates

You’ll see in the chart below the top 10 most expensive ZIP codes for car insurance in Tampa, and how much you can overpay if you don’t compare rates.

Most expensive Tampa car insurance rates

ZipcodeAverage annual rateHighest rateLowest rate
33607$2,591$4,512$1,464
33603$2,584$4,443$1,464
33615$2,561$4,362$1,464
33634$2,561$4,362$1,464
33602$2,548$4,512$1,464
33605$2,534$4,443$1,464
33604$2,512$4,443$1,464
33637$2,346$3,930$1,464
33633$2,214$3,470$1,464

*Methodology for rates by ZIP code:

CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2016 Honda Accord for more than 30,000 ZIP codes in the United States using six large carriers -- Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where an insurer’s rate wasn’t available, another major carrier's rate was substituted.) Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

Here's how Tampa’s highest average rate ($2,591) for ZIP code 33607 compares to others, for full coverage:

  • $1,148 more than the least expensive average rate ($1,443) in Florida, Fanning Springs ZIP code 32693
  • $768 more than the state average ($1,823)
  • $1,236 more than the national average rate ($1,355)

 

Tampa car insurance requirements

Florida state law requires the following minimum car insurance coverage:
Minimum bodily injury liability$10,000
Minimum property damage liability$10,000
*Bodily injury liability not required by state; many carriers require $10,000/$20,000

Cheapest car insurance in Tampa

If you want just enough coverage to be legal on the road, buy the lowest amount of liability insurance your insurer offers. That’s the cheapest policy you can buy. Florida car insurance laws mandate that you must have a car insurance policy covering $10,000 in property damage liability and $10,000 in personal injury protection (PIP):

  • $10,000 in PIP covers you, your passengers and other authorized drivers of your car who are injured while in your insured vehicle
  • $10,000 for damage you cause to others’ cars and property

Bodily injury liability not required, but recommended

Florida car insurance laws don’t stipulate that you carry bodily injury liability insurance, which pays for injuries others get from an accident you cause. However, many car insurance companies do require it to be part of any policy they sell in the state. That’s because Florida is a no-fault state. Treatment for any injuries you suffer is covered by your personal injury protection, up to its limit. This is regardless of who caused the accident. If bills exceed that limit, the at-fault driver is legally personally responsible unless he or she has bought bodily injury liability coverage.

If you buy bodily injury liability coverage, the smallest amount you can buy is $10,000 per person (up to $20,000 per accident).

The state average rate for a year of minimum coverage (with bodily injury amounts most insurers require) is $884, according to our rate analysis. 

Increasing your insurance from the Florida state minimum to full coverage (100,000/300,000/100,00) with a $500 deductible costs, on average, $939 more, or $78 a month, according to our rate analysis. If you chose to even just boost your protection to limits of 50/100/50, you'd pay less than $50 a year more.

Cheapest Tampa car insurance companies


You'll see in the chart below how major insurers rank on price for full coverage in Tampa.

CompanyState minimum
Geico$548
Progressive$645
State Farm$996
21st Century$1,634
Allstate$1,695
Company50/100/50
Progressive$736
Geico$748
State Farm$1,236
21st Century$1,315
Allstate$1,894
Company100/300/100
Geico$1,464
Progressive$1,748
State Farm$2,058
21st Century$2,392
Allstate$3,571

 

Best car insurance in Tampa

Even a minor accident can put your savings and home in jeopardy if you have just the state required minimum of insurance. To protect your assets, you should buy liability insurance in the following amounts:

  • $100,000 to pay for others’ medical bills
  • $300,000 to pay for injuries to others in an accident you cause
  • $100,000 to pay for damage to others’ property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

Comprehensive insurance and collision coverage are advised unless you have a very old car that’s of little value. That’s because these coverages pay out only up to the actual cash value of your car. In Florida, comprehensive costs $107 and collision costs $242, on average per year, for drivers, according to the Insurance Information Institute. Unlike liability insurance, these optional coverages come with a deductible. That’s the amount you pay before your insurance company pays. Typical deductibles amounts are $1,000, $500 and $250 – you choose which one you want. The higher the deductible is, the lower your rate will be.

How much does insurance go up after a speeding ticket in Tampa?

CarInsurance.com’s rate analysis shows that drivers in Tampa can expect to pay, on average, up to about $883 more a year for car insurance after minor violations such as speeding. More serious infractions, such as reckless driving can hike rates as much as $1,961. Minor traffic violations typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date.

ViolationAverage rateRate after violationDollar increasePercentage increase
Reckless driving$3,062$5,023$1,96164%
DUI/DWI first offense$3,062

$4,899

$1,83860%
Operating a vehicle in a race (highway racing)$3,062$4,847$1,78658%
Speeding 30+ over limit$3,062$4,457$1,39646%
2 speeding tickets 11 mph or over$3,062$4,440$1,37945%
Careless driving$3,062$4,127$1,06635%
Speeding ticket 16-29 MPH over limit$3,062$3,944$88329%
Failure to stop$3,062$3,831$77025%
Failure to yield$3,062$3,831$77025%
Improper turn$3,062$3,831$77025%
Improper/illegal pass$3,062$3,831$77025%
Speeding ticket 1-5 MPH over limit$3,062$3,818$75725%
Speeding ticket 6-10 MPH over limit$3,062$3,818$75725%
Speeding ticket 11-15 MPH over limit$3,062$3,818$75725%
Following too closely$3,062$3,804$74324%
Lapse of coverage for 60 days$3,062$3,385$32311%
Driving without a license or permit$3,062$3,278$2167%
Driving without insurance$3,062$3,278$2167%
Lapse of coverage for 7 days$3,062$3,274$2127%
Lapse of coverage for 15 days$3,062$3,274$2127%
Lapse of coverage for 30 days$3,062$3,274$2127%
Seatbelt infraction$3,062$3,089$271%

*Methodology: CarInsurance.com commissioned Quadrant Information Services in 2019 to field rates from up to six major insurers for 10 ZIP codes in the city for the following driver profile: male, age 40, good credit, clean driver record, driving 2017 Honda accord. We compared the clean record driver rate to the rate for various tickets and accident claims to get the average percentage and dollar increase, for the coverage level of 100/300/50; with comprehensive and collision and $500 deductible. These are estimates; your actual rate will depend on your personal rating factors.

How much will an accident raise my insurance in Tampa?

When you file a claim for an accident that's your fault, typically your car insurance rates will increase. The table below shows how much for drivers in Tampa can expect to pay for common car insurance claims.

ClaimAverage rateRate after claimDollar increasePercentage increase
2 At-fault property damage accident over $2k$3,062$5,943$2,88294%
Hit and run - injury$3,062$5,023$1,96164%
Hit and run property damage$3,062$5,023$1,96164%
At-fault bodily injury accident$3,062$4,146$1,08435%
1 At-fault property damage accident over $2K$3,062$4,025$96331%
1 At-fault property damage accident under $2K$3,062$4,025$96331%
2 comprehensive claims for over $2k$3,062$3,199$1385%
1 comprehensive claim for over $2k$3,062$3,137$752%
1 comprehensive claim for under $2k$3,062$3,137$752%

Adding a teen driver to your insurance

Teen drivers are inexperienced, and are involved in more accidents than older drivers, so they cost more to insure. In Tampa, adding a 16-year-old daughter to your policy will hike your rates by $2,845 annually, or 93 percent. It's more for boys. Insuring your 16-year-old son will increase your yearly rate by $3,854, or 126 percent, according to CarInsurance.com rate data. If you're insuring a teen driver of any age, you can get expert tips, more rate data by age and details from our "Parents guide to insuring a teen driver."

Bad credit nearly doubles car insurance rates

Having a low credit score and poor credit history significantly increases how much you pay for car insurance, unless you live in Hawaii, California or Massachusetts where the practice is banned. Florida ranks fifteenth among the worst states for drivers with bad credit. Seattle drivers with bad credit can expect rates to go up by $2,310, or 75 percent, on average, yearly. Even with bad credit, you can still save money on car insurance, as some insurance companies will increase rates higher than others for those with less than perfect credit. That's why it's always prudent to compare car insurance quotes at least once a year.

SR-22 insurance

If you're convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf. An SR-22 is a car insurance company’s guarantee to the state that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase. CarInsurance.com data show that for drivers in Tampa, your rate will go up by an average of $2,068, or 68 percent.

Driving in Tampa

Traffic in Tampa: As with most major cities, traffic can be congested, especially during rush hour, but Tampa did not make a list of the worst U.S. cities for traffic recently reported by USA Today.

Car Crashes: Major accidents have resulted in an average of 40 deaths a year in recent years (2012-2014).

Commuting: The average commute in Tampa lasts 21.3 minutes.

Public transportation: The U.S. Census Bureau says that the majority of riders in Tampa who commute to work by public transportation are white (about 16 percent), Hispanic (about 67 percent) and black (about 10 percent). The bureau notes that commuting is the main reason people turn to mass transit.

High Occupancy Vehicle rules: The HOV lane, also known as the carpool or diamond lane, is designed to reduce traffic congestion and promote ride-sharing on freeways. In Florida, only vehicles with at least two people, mass transit vehicles like buses, and motorcycles are allowed to use the lanes. The lanes may be restricted during specified hours.

Bad drives: Fowler, Fletcher, Waters and Hillsborough avenues are considered some of the most dangerous roads in the Tampa area, according to a report from the Tampa Bay Times.

The information was gathered from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A&M Transportation Institute, the Insurance Institute for Highway Safety, state transportation departments and city police departments.