CarInsurance.com Insights
- CarInsurance.com’s research shows that GEICO and Travelers offer the lowest state minimum car insurance rates in Tampa, with yearly premiums of $815 and $982, respectively.
- By shopping around and comparing quotes from multiple insurers, drivers in Tampa can save an average of $5,789 per year on full coverage car insurance.
- Drivers in Tampa with a speeding ticket can find the cheapest full coverage car insurance with State Farm, at an average annual cost of $3,788.
- State Farm stands out as an affordable option for drivers with a DUI in Tampa, with average full coverage cost of $3,788 per year.
Travelers, GEICO and State Farm are the top insurers with the most affordable car insurance rates for drivers in Tampa, Florida for a full coverage policy.
Car insurance in Tampa for an adult with a clean driving record and good insurance score costs $1,693 a year for a state minimum policy and $5,142 for a full coverage policy.
Insurance companies consider drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.
Where you live is also a significant factor. Car insurance rates can vary significantly from city to city and even from one ZIP code to another. More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors to calculate premiums.
That’s why our experts have created this comprehensive guide to help you make smart decisions about car insurance. It also lists the cheapest car insurance carriers and rates in Tampa.
Who offers the cheapest car insurance rates in Tampa, Florida?
GEICO offers cheap car insurance rates in Tampa at an average annual cost of $815 or $68 per month for state minimum coverage. On the other hand, Travelers has the most affordable full coverage car insurance rates at $256 per month, based on our data study.
Below, you’ll find the companies that offer cheap car insurance to Tampa drivers.
| Insurance company | Annual premium |
|---|---|
| Travelers | $3,073 |
| GEICO | $3,517 |
| State Farm | $3,524 |
| UAIC | $3,671 |
| Nationwide | $4,453 |
| Mercury Insurance | $5,313 |
| Allstate | $5,969 |
| Farmers | $6,425 |
| National General | $6,729 |
| Progressive | $8,862 |
Average car insurance rates in Tampa
Based on our rate analysis, the average cost of car insurance for state minimum coverage in Tampa is $1,693. If you choose liability-only coverage with limits of 50/100/50, you’ll pay $120 more per month or $1,436 more per year.
For full coverage (100/300/100), you would pay an additional $287 per month or $3,449 more annually. Experts recommend purchasing a full coverage policy as it provides more protection than state minimum and liability-only policies.
| Coverage type | Annual premium |
|---|---|
| State minimum | $1,693 |
| Liability only (50/100/50) | $3,129 |
| Full coverage (100/300/100, $500 ded.) | $5,142 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $5,417 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $4,909 |
| Non-owners | $1,241 |
Cheapest rates for drivers in Tampa, Florida, by age
Age plays a significant role in determining car insurance rates in Tampa. It’s one of the key factors that insurers consider when setting premiums.
Teens (ages 16 to 19) are more likely to be involved in accidents due to their lack of experience behind the wheel. According to the Centers for Disease Control and Prevention (CDC), teen drivers are more likely to be involved in fatal crashes compared to adults. The greater the risk of an accident, the higher the car insurance rates.
According to the Insurance Information Institute (Triple-I), drivers in their 40s, 50s and 60s generally pay lower car insurance premiums than teen drivers because they have significantly more driving experience.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | UAIC | $8,938 |
| Young adults (20-24) | Travelers | $4,731 |
| Adults (25-60) | Travelers | $3,097 |
| Seniors (65-75) | Travelers | $3,072 |
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Cheapest car insurance rates for Tampa drivers after a speeding ticket
According to our data analysis, State Farm offers the cheapest car insurance rates for drivers in Tampa with speeding tickets, at an average annual cost of $3,788 or $316 per month. Travelers and GEICO also provide affordable insurance rates following a speeding ticket.
Below are the car insurance companies that offer cheap insurance premiums for Tampa drivers with speeding tickets.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) |
|---|---|---|---|
| State Farm | $3,524 | $3,788 | 8% |
| Travelers | $3,073 | $4,466 | 45% |
| GEICO | $3,517 | $6,021 | 71% |
| Mercury Insurance | $5,313 | $6,877 | 29% |
| Nationwide | $4,453 | $6,885 | 55% |
| National General | $6,729 | $7,952 | 18% |
| Farmers | $6,425 | $10,767 | 68% |
| Progressive | $8,862 | $11,451 | 29% |
Cheap car insurance for drivers with a DUI in Tampa
If you’re a driver with a DUI in Tampa, finding affordable car insurance can be challenging. However, State Farm, Travelers and GEICO offer cheap car insurance rates for drivers in Tampa after a DUI conviction.
The table below lists affordable car insurance companies in Tampa that offer coverage to individuals with a DUI.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| State Farm | $3,524 | $3,788 | 8% |
| Travelers | $3,073 | $4,705 | 53% |
| GEICO | $3,517 | $6,208 | 77% |
| National General | $6,729 | $7,018 | 4% |
| Allstate | $5,969 | $7,745 | 30% |
| Mercury Insurance | $5,313 | $7,863 | 48% |
| Nationwide | $4,453 | $9,564 | 115% |
| Progressive | $8,862 | $9,877 | 11% |
| Farmers | $6,425 | $16,472 | 156% |
Affordable car insurers for Tampa drivers after an at-fault accident
Car insurance rates increase after an at-fault accident in Tampa for most drivers. However, some insurers offer affordable premiums to high-risk drivers.
In Tampa, State Farm offers the cheapest car insurance for drivers with an at-fault accident on their records. Other insurers that offer affordable premiums are Travelers and GEICO.
See the table below to see which insurers offer cheap auto insurance premiums for Tampa drivers with an accident on their driving records.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| State Farm | $3,524 | $4,076 | 16% |
| Travelers | $3,073 | $4,253 | 38% |
| GEICO | $3,517 | $4,997 | 42% |
| Nationwide | $4,453 | $6,307 | 42% |
| National General | $6,729 | $8,726 | 30% |
| Mercury Insurance | $5,313 | $9,034 | 70% |
| Farmers | $6,425 | $9,972 | 55% |
| Allstate | $5,969 | $10,363 | 74% |
| Progressive | $8,862 | $13,004 | 47% |
Compare car insurance quotes in Tampa: How to save on an insurance policy?
By comparing car insurance quotes, you could save an average of $5,789 per year or $482 per month on a full coverage policy in Tampa, Florida, according to CarInsurance.com’s rate analysis. While your savings will vary based on factors like location, age and driving history, this shows how much you can benefit from shopping around and comparing quotes.
Final thoughts: Car insurance cost in Tampa, Florida
It’s a good idea to shop around and compare insurance quotes when your policy is up for renewal to ensure you get the best car insurance deal. You can maximize your savings by using available discounts, driving a car with excellent safety features and keeping a clean driving record.
Resources and methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed March 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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