CarInsurance.com Insights
- CarInsurance.com’s data study found that GEICO and Travelers offer the cheapest car insurance rates in Tampa at annual costs of $815 and $982, respectively, for state minimum coverage.
- You can save an average of $5,789 per year on a full coverage policy in Tampa by comparing price quotes from different carriers.
- Drivers with a speeding ticket on their records can find the cheapest rates with State Farm at an average annual cost of $3,788 for full coverage.
- State Farm is one of the most affordable insurers for drivers with a DUI, with average annual premiums of $3,788 for full coverage.
According to a detailed data analysis, Travelers, GEICO and State Farm provide cheap car insurance rates for drivers in Tampa, Florida for a full coverage policy.
In Tampa, an adult with a clean driving record and good insurance score typically pays $1,693 per year for a state minimum car insurance policy and expect to pay $5,142 on average if you choose to purchase a full coverage policy.
Insurance companies take various factors into account, including age, driving history and car make and model, to determine premiums.
Location is another important factor that helps insurers calculate your insurance rates. Premiums vary significantly between cities and even by ZIP codes within the same city. High-traffic areas generally lead to more accidents and claims, so insurers also consider population density, road conditions and weather to determine rates.
That’s why our team of experts has created this guide to help you make smart decisions about car insurance. It also highlights the cheapest insurance companies 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 is a key factor in determining car insurance rates in most cities, including Tampa. It’s one of several factors insurers consider when determining premiums.
Teens (ages 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.
Drivers in their 40s, 50s and 60s pay less for their car insurance premiums than teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute (Triple-I), an industry research and outreach organization.
| 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
State Farm offers the most affordable car insurance rates for drivers in Tampa following a speeding ticket, at an average annual cost of $3,788 or $316 per month for full coverage.
Travelers and GEICO also offer cheap insurance rates after a speeding ticket.
Find below the car insurance companies with affordable insurance rates for Tampa drivers with a speeding ticket.
| 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 have a DUI on your record in Tampa, finding affordable car insurance can be challenging. However, State Farm, Travelers and GEICO offer affordable insurance rates for drivers in Tampa after a DUI conviction.
The table below lists car insurance companies in Tampa that offer affordable coverage for drivers with DUIs.
| 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?
CarInsurance.com’s rate analysis shows that you could save an average of $5,789 per year or $482 per month on a full coverage policy in Tampa, Florida, by comparing insurance quotes. Though savings will depend on factors like your location, age and driving record, comparing policies can lead to significant savings.
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 January 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed January 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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