Auto Insurance in Tampa, FL


Delivering a quick and worry-free way to purchase car insurance in Tampa





Auto Insurance in Tampa and What You Need to Know



The price for auto insurance in Tampa can vary immensely depending on factors including your age, length of time you’ve been driving and where you reside. We know that researching and comparing auto insurance prices takes a lot of time and effort, so we have done much of the legwork for you to ensure a hassle-free shopping experience. We have found the cheapest car insurance options for a variety of different drivers and pinpointed critical factors that can affect how much you pay for your car insurance in Tampa.

Percentage increase in Tampa car insurance costs compared to national average

1014 %

Percentage increase in Tampa car costs compared to average in Florida

3081 %

Percentage decrease in Tampa car insurance costs compared to most expensive in Florida

3505 %

Full Coverage Car Insurance

We know you want the peace of mind that comes with being fully covered in the case of any unforeseen incident in Tampa. Ensure that you, your passengers and others on the road are protected.

Liability Car Insurance

Minimum liability auto insurance coverage plans will ensure that you are legally eligible to drive in Tampa. Give yourself the peace of mind that auto insurance provides.

High Risk Car Insurance

If you are looking to invest in high-risk car insurance in Tampa, then you’ll want the most comprehensive coverage that your money can buy. We help sift through the various offers to ensure you get the best rate.

Home and Auto Insurance

Make your life a bit easier, and save money at the same time. See about combining your home and auto insurance coverage in Tampa into one easy package.


Your Driving Record Matters When Getting Auto Insurance in Tampa

It’s the same old story: you are tempted in by a low quote for auto insurance in Tampa since a company has initially promised you a great deal that is too good to be true. Then you get back the personalized quotation and it’s way higher than you initially expected and far outside of your budget. What could have changed? What went wrong? Have you ever had any vehicle accidents or received any tickets for speeding? Though the amount of insurance points added for a particular infringement will vary by location, there is no doubt that these can add a significant cost when it comes time to buying auto insurance in Tampa.


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Your Type of Car Plays a Role on Car Insurance Costs in Tampa

Did you just find a great deal on a flashy red sports car or a steal of a deal on a high-end SUV? Before you buy that new car, think about how much your auto insurance in Tampa will be. There are a number of factors that affect how much you will have to pay for car insurance not least of which is the actual value of your car. In addition, expect to pay a premium for a vehicle with higher horsepower since speed is a contributing element in many car crashes. Large sport utility vehicles, or SUVs, can cause significant damage even in minor fender benders so expect your insurance to reflect this. If you are looking to save on auto insurance in Tampa, then consider purchasing a mid-sized, lower-priced vehicle which will have comprehensive insurance premiums that won’t break the bank.

Vehicle TypeAnnual Average Cost of Car Insurance
Car3,214.12
Luxury2,965.00
SUV2,737.17
Van2,518.44
Truck2,460.71



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Cost of Car Insurance in Tampa by Gender and Marital Status

Gender is no longer a variable taken into account in many states with regards to your auto insurance premiums. Marriage status, on the hand, still can play a contributing role into how much you will pay for your auto insurance in Tampa. Why should your marital status or living arrangements matter whatsoever to your car insurance payment? Well, it all comes down to statistics. Married motorists often have the lowest insurance fees as they are statistically the least likely to get into serious accidents. Whether this be because they are permanently at home enjoying a night of ‘Netflix and Chill’ is anyone’s guess but it doesn’t defer from the fact that your insurance may go down once you go down the aisle. If are recently married, check into whether your car insurance rate in Tampa might be affected. Conversely, divorced individuals or widows might find that their auto insurance premiums are set to increase. If you are young, and never married, then you have the highest likelihood of being in a road accident and your insurance premium will likely reflect that.

Where You Live in Tampa Affects Car Insurance Costs

Annual savings for car insurance in smaller towns near Tampa

13 %

Annual savings for car insurance in medium sized cities near Tampa

11 %


Not every factor affecting your car insurance is within your control, but where you decide to live just might be one of them. Your zipcode plays a major deciding factor in how much you will need to pay for your auto insurance in Tampa. If you are just moving to the city, consider looking into the auto insurance rates for various zipcodes before deciding on which area to buy or rent in, as this could make a real difference to your monthly budget. Expect to pay more if you live in a dense, urban center as simple put - accidents are more likely where there are more cars and more pedestrians on the road. In addition, particular zipcodes might be more prone to vandalism, vehicle theft or even damaging weather patterns which can all affect your premiums.

Average Costs of Auto Insurance in Tampa by Types of Coverage


Type of Auto Insurance CoverageAverage Annual Rate
Without Comprehensive or Collision2,242.11
Auto Insurance with Comprehensive Only2,645.69
Auto Insurance with Comprehensive and Collision3,901.25


Your Credit Affects Your Car Insurance Costs

Your marital status, driving history and the street that you live on are all determining factors for how much you might need to pay for auto insurance in Tampa. Now it is time to add your credit rating to the list. But can your spending habits affect your driving abilities? You might not think so, but 92 percent of the car insurance companies in Tampa now consider your credit score when calculating how much you will pay for auto insurance. It may seem unlikely that credit scores and driving are correlated; however, studies indicate that your credit score does assist insurance companies predict who is more likely to get into an auto accident and therefore enables insurers to attribute rates which take this factor into account. If you are timely with your credit card payments, then this may work in your favor. If you have been neglecting your credit score, then consider researching ways to improve it so that you can take advantage of the savings.

Average car insurance rate changes in Tampa based off credit scores.

69 %

Max car insurance rate changes in Tampa based off credit scores

147 %


92 percent of the car insurance companies in Tampa now think about your credit rating when calculating how much you will pay for auto insurance.



Tampa Car Insurance Rates by Age

Age is a factor outside of your control but is still amongst the most significant variables when determining the cost of your auto insurance premium in Tampa. In general, rates are highest for the youngest and least experienced drivers since they are statistically the most likely to be involved in an accident and partake in reckless behaviors. As you grow older, and your driving experience increases, your premiums tend to decrease. A middle aged person might be stuck in a rut or experiencing a mid-life crisis, but they are the most unlikely to cause a traffic accident and therefore their insurance premiums reflect this advantage. Experience doesn’t count for everything though, as senior drivers also start to pay higher auto insurance premiums the older that they get. Luckily for grandma and grandpa, they are more likely to take advantage of other contributing factors like a good credit rating, safe zipcode and clean driving record in order to keep their car insurance payments in Tampa to a minimum.

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Getting the Best Auto Insurance Rates in Tampa


Choosing where and how to buy auto insurance in Tampa can be a daunting task. There are numerous companies, a dizzying amount of risk factors to take into account, and a wide selection of insurance coverage options. The most important consideration is your financial protection, both now with regards to how much you pay in insurance premiums, and in the future for how well you will be covered in the case of an unexpected collision, act of vandalism or natural disaster. If you do a bit of research into the variables that affect your insurance rates, then you will be one step closer to saving your hard-earning money. The responsibility of choosing the best option of car insurance in Tampa is yours, but we are here to make the process easier, quicker and more stress-free so that you can get onto more enjoyable tasks like planning your next road trip.