We at the Home Media review team have researched the cheapest auto insurance in Tampa, Florida. In this guide, we’ll break down what Tampa auto insurance typically costs based on different driving profiles. We also explain the factors that affect how much you pay for coverage. When shopping for auto insurance, we encourage you to get free quotes from providers on our list of the best car insurance companies in the industry.
Cheapest Car Insurance Tampa
You can usually find the cheapest car insurance in Tampa from Geico, State Farm, Travelers, Mercury Insurance and Farmers. What you end up paying for auto insurance depends on a number of factors, including your driving history and the amount of coverage you decide to purchase. The rates from our survey are based on 35-year-old drivers with a clean driving record.
Cheapest Liability Insurance in Tampa
We found that Geico and State Farm generally offer Tampa drivers the cheapest state minimum liability coverage overall. A minimum coverage insurance from Geico costs on average € $63 per month or $753 per year in Tampa, while State Farm offers a minimum coverage of average $85 per month or $1,017 per year.
Each state has its own minimum insurance requirements. In Floridaare drivers required to maintain at least $10,000 in personal injury protection (PIP insurance) and at least $10,000 in property damage liability insurance. The state does not require coverage for personal injury liability.
Cheapest Full Coverage Auto Insurance in Tampa
State Farm and Geico usually offer the cheapest full coverage auto insurance rates in Tampa. A full State Farm policy costs on average $178 per month or $2,130 per year. Geico’s Fully Covering Auto Insurance Costs $195 per month or $2,343 per year average.
The most expensive full-coverage auto insurance in Tampa often comes from National General, which averages $ $432 per month or $5,181 per year.
Car Insurance Quotes in Tampa
Insurance companies use a number of factors to calculate your auto insurance quote, including your age, driving record, and credit history. The tables below provide quotes for the cheapest car insurance in Tampa based on some of these factors.
Cheapest Car Insurance Tampa: Age and Marital Status
Age has a big impact on how much you pay for auto insurance. Younger drivers have less experience, so most insurers consider them higher risks. Older drivers typically pay less than drivers in their teens and early 20s.
Marital status also affects auto insurance rates, as married drivers typically pay lower coverage rates than single drivers.
The table below shows the difference in auto insurance costs for single 24-year-olds and married 35-year-olds. Average car insurance premiums for married 35-year-olds can be hundreds of dollars less than that for single 24-year-olds.
Cheapest Car Insurance Tampa: Gender
While auto insurance rates for female drivers in Tampa are generally slightly higher than those for male drivers, the difference is not significant. In some cases, men and women pay the same for car insurance.
Below is a table comparing annual auto insurance rates for female and male drivers in the city. On average, State Farm offers the cheapest car insurance in Tampa, while National General offers the most expensive.
Cheapest Car Insurance Tampa: High Risk Drivers
Your driving history plays a big role in determining what you pay for auto insurance coverage. If you have a speeding fine, a culpable accident or a DUI conviction on your record, you can expect a higher premium.
In each section below, we highlight how each driving violation can affect your auto insurance rates.
Tampa Car Insurance Prices: Speeding Ticket
Based on our research, State Farm and Travelers typically offer the cheapest full-coverage insurance for drivers with a recent speeding violation. State Farm Cost $202 a month or average $2,422 per yearwhile Travelers coverage averaged . costs $239 per month or $2,874 per year.
Tampa car insurance prices: accident at fault
Having an accident with fault on your driving record can significantly increase what you pay for auto insurance. According to our rate data, State Farm and Geico usually offer the cheapest full coverage insurance for Tampa drivers with a recent accident on their record. State Farm coverage costs average $216 per month or $2,597 per yearwhile Geico averages . counts $254 per month or $3,049 per year.
Car insurance prices in Tampa: GERMANY
A DUI conviction can have a significant impact on your auto insurance rates. In Tampa, we found that State Farm offers the cheapest full-coverage auto insurance for motorists with a recent DUI conviction. The provider’s policies cost an average of € $202 a month or $2,422 per year.
Average cost of car insurance in Tampa
We found that a full-coverage Tampa auto insurance policy averages $ $282 per month or $3,383 per year. This is nearly double the national average of $144 per month or $1,730 per year.
Auto Insurance Prices in Tampa: What Affects Them?
Insurance agents consider several factors when calculating car insurance quotes. Understanding these factors, especially those under your control, will help you find the best rates when looking for coverage.
The following factors affect your car insurance rates:
- Driving record
- Marital status
- Vehicle type:
Cheap car insurance in Tampa: conclusion
We found that the average full-coverage auto insurance policy in Tampa costs nearly twice the national average. The cheapest car insurance in Tampa is probably from Geico, State Farm, Travelers, Mercury Insurance and Farmers.
Cheapest Car Insurance in Tampa: Frequently Asked Questions
Below are frequently asked questions about car insurance in Tampa: