Best Cheapest Car Insurance Rates in Tampa, Florida
Travelers has the cheapest car insurance in Tampa, at $210 per month, on average.
Compare Car Insurance Rates in Tampa, FL
Best cheap car insurance in Tampa, FL
How we chose the top companies
Best and cheapest car insurance in Florida
- Cheapest full coverage: Travelers, $210/mo
- Cheapest minimum liability: Geico, $54/mo
- Cheapest for young drivers: Geico, $117/mo
- Cheapest after a ticket: State Farm, $232/mo
- Cheapest after an accident: State Farm, $252/mo
- Cheapest for teens after a ticket: Geico, $134/mo
- Cheapest after a DUI: Travelers, $339/mo
- Cheapest for poor credit: UAIC, $328/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Travelers has the cheapest auto insurance in Tampa, FL. However, the company has just an average customer service reputation.
State Farm offers the best combination of cheap rates and good customer service. The company has the second-cheapest quotes for full coverage car insurance and a high customer satisfaction rating according to a recent J.D. Power study.
Cheapest car insurance in Tampa: Travelers
Travelers has the most affordable auto insurance in Tampa, FL.
The company charges an average of $210 per month for a full coverage policy. That's 41% cheaper than the
Tampa city average.
Find Cheap Auto Insurance Quotes in Tampa
State Farm has the second-cheapest car insurance in Tampa, FL. A full coverage policy costs $214 per month, which is roughly 39% cheaper than the citywide average.
State Farm also has a strong reputation for customer satisfaction. It's a good idea to look at customer service ratings when shopping for car insurance because you may have an easier time filing a claim later on if you have an accident.
Cheapest full coverage car insurance in Tampa
Company | Monthly rate | ||
|---|---|---|---|
| Travelers | $210 | |
| State Farm | $214 | |
| Geico | $216 | |
| UAIC | $328 | |
| Progressive | $351 | |
Cheapest minimum coverage in Tampa: Geico
Geico has the cheapest auto insurance in Tampa for minimum liability coverage, at an average of $54 per month. That's less than half the Tampa city average.
Best cheap liability auto insurance
Company | Monthly rate |
|---|---|
| Geico | $54 |
| Travelers | $70 |
| State Farm | $79 |
| Progressive | $150 |
| Farmers | $159 |
Find Cheap Auto Insurance Quotes in Tampa
Cheapest car insurance in Tampa for teens: Geico & Travelers
Geico has the most affordable minimum liability coverage in Tampa, at an average of $117 per month. That's about one-third the Tampa city average.
Travelers sells the cheapest full coverage car insurance, at $543 per month, on average. That's roughly half the citywide average.
Monthly car insurance rates for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $117 | $550 |
| Travelers | $153 | $543 |
| State Farm | $205 | $626 |
| Allstate | $412 | $1,635 |
| UAIC | $470 | $769 |
The best way for teen drivers to save on car insurance is by sharing a policy with their parents. Young people can also get cheaper rates by using common discounts and by comparing quotes.
Cheapest car insurance in Tampa after a speeding ticket: State Farm
State Farm has the cheapest coverage in Tampa for drivers with a speeding ticket on their record. The company charges an average of $232 per month, which is about half the Tampa city average.
Cheapest coverage after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $232 |
| Travelers | $257 |
| UAIC | $328 |
| Geico | $362 |
| Progressive | $471 |
Cheapest auto insurance in Tampa after an accident: Geico
State Farm has the cheapest auto quotes for Tampa drivers who've caused an at-fault accident, at $252 per month, on average. That's slightly cheaper than half the citywide average.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $252 |
| Travelers | $285 |
| Geico | $296 |
| UAIC | $437 |
| Progressive | $528 |
In Tampa, an at-fault accident will raise your monthly rate by an average of 47%. You can lower your rate increase after a crash by shopping around and comparing quotes.
For example, the cheapest car insurance after a crash in Tampa charges roughly a quarter of what the most expensive company does.
Cheapest car insurance for teens after a ticket or accident: Geico
Geico has the cheapest quotes for Tampa teen drivers with a speeding ticket, at $134 per month, on average. That's about two-thirds cheaper than the city average.
The company also offers the cheapest coverage for teen drivers who've been in an at-fault accident, at an average of $120 per month. That's about a quarter of the city average.
Monthly minimum coverage rates for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Geico | $134 | $120 |
| Travelers | $186 | $212 |
| State Farm | $226 | $248 |
| Allstate | $412 | $806 |
| UAIC | $470 | $586 |
Cheapest auto insurance in Tampa for drivers with a DUI: Travelers
Travelers has the cheapest rates for Tampa drivers who have a DUI, at $339 per month, on average. That's about 41% cheaper than the city average.
Cheapest Tampa car insurance after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $339 |
| Progressive | $435 |
| Geico | $464 |
| UAIC | $605 |
| Farmers | $634 |
A DUI raises the cost of car insurance in Tampa by 41%, on average. It's important to remember that after getting a DUI, your auto insurance rate won't increase until your policy renews. Shop around and compare quotes at that time to get the cheapest rates.
Cheapest quotes for drivers with poor credit: UAIC
UAIC has the cheapest auto insurance for Tampa drivers with poor credit, at an average of $328 per month. That's less than half the city average.
Cheap car insurance in Tampa for poor credit
Company | Monthly rate |
|---|---|
| UAIC | $328 |
| Geico | $405 |
| Travelers | $434 |
| Progressive | $556 |
| Farmers | $763 |
A driver in Tampa with poor credit pays roughly twice as much for car insurance as a driver with good credit. Companies take your credit score into account when setting rates because they believe people with low scores are more likely to file claims than drivers with high credit scores.
Average cost of car insurance in Tampa by neighborhood
The difference between the cheapest and most expensive neighborhoods for auto insurance in Tampa is $71 per month.
The cheapest parts of Tampa for car insurance include MacDill Air Force Base and the surrounding neighborhoods. Car insurance in that area costs $308 per month, on average.
Car insurance costs more in some neighborhoods than others because of factors like theft, vandalism and traffic.
Full coverage quotes by Tampa ZIP code
ZIP | Monthly rate | % from average |
|---|---|---|
| 33602 | $367 | 6% |
| 33603 | $379 | 9% |
| 33604 | $367 | 6% |
| 33605 | $371 | 7% |
| 33606 | $350 | 1% |
Frequently asked questions
Who has the cheapest auto insurance in Tampa, FL?
Travelers has the cheapest auto insurance in Tampa, FL. A full coverage policy costs $210 per month, on average.
What is the best car insurance company in Tampa?
State Farm is the best car insurance company in Tampa. The company has a strong reputation for customer satisfaction and cheap rates.
What is the average cost of car insurance in Tampa, FL?
A full coverage car insurance policy in Tampa costs $353 per month, on average. That's about one-third more expensive than the Florida state average of $272 per month.
Methodology
To find the best cheap car insurance in Tampa, FL, ValuePenguin collected quotes from seven of the most popular insurance companies in Florida. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.
Full coverage policies include comprehensive and collision coverage, plus liability limits that meet the legal requirements for Florida.
- Bodily injury liability: $50,000 per person/$100,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection: $10,000
- Uninsured/underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates came from public insurance company filings and should be used for comparative purposes only. Your own quotes may differ.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
