Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Kristine Lee

Manager, Content and Data

  • Licensed Insurance Agent — Property and Casualty

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

What's the average car insurance rate in Tampa?

The typical Tampa driver pays $2,990 per year for car insurance. That's more than the average in Florida ($2,309) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Tampa. Or, submit your ZIP code above to receive free personalized quotes in minutes.

Tampa Average (annual) Florida Average National Average
$2,990 $2,309 $1,548

Skip to:

Or compare car insurance rates instantly:

Location pin icon
No spam. We take your privacy seriously.

Tampa auto insurance rates by insurer

One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the car insurers that best fits your coverage needs. For a typical driver, State Farm offers Tampa's most affordable premiums. Reference below the top options for affordable insurance in Tampa. Don't forget to seek out car insurance quotes based on your unique driving profile.

Company Average Annual Rate
State Farm $2,273
GEICO $2,598
Progressive $3,364
Allstate $4,508

Read our guide to finding the best cheap auto insurance.

Tampa auto insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Tampa are drivers in their 50s, who pay an average of $2,757per year. Drivers in their 60s pay marginally higher rates — $2,807 per year.

Teenage drivers pay Tampa's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Tampa is to age out of your teenage years. The difference in rates paid by teenage drivers and drivers in their 20s in Tampa is $4,726, the largest such difference between any two age groups.

Age bracket Average Annual Rate
Teenagers $8,520
20s $3,794
30s $2,980
40s $2,926
50s $2,757
60s $2,807
70s $3,425

Learn more about the impact of age on car insurance premiums.

Tampa car insurance rates by marital status and gender

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Tampa pay $97 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Tampa, single drivers pay more than those who are widowed.

Another component of auto insurance pricing is gender. In Tampa, female drivers pay more for auto insurance than do male drivers: $101 per year, to be precise.

Gender/Marital Status Average Annual Rate
Female $3,091
Male $2,990
Single $2,893
Married $2,893
Divorced $2,990
Widowed $2,943

Read more about the relationships between gender, marital status and insurance rates.

Tampa car insurance costs by citation and accident history

Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Tampa, a reckless driving citation results in an average insurance rate increase of $1,545 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $1,405 increase and a speeding ticket triggers a $737 rate hike.

Incident/Violation Average Annual Rate
DUI/DWI $4,395
Reckless Driving $4,534
At-fault Accident (damages less than $1,000) $4,137
At-fault Accident (damages greater than $2,000) $4,137
Speeding Ticket (16-20 mph over speed limit) $3,726

Learn more about the impact of driving violations on car insurance rates.

Tampa car insurance premiums by credit tier

In many cases, a driver's credit level is closely correlated with their auto insurance rates. In fact, Tampa drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 61% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Tampa, improving your credit to "Fair" could help you earn a $2,361 decrease in yearly insurance premiums.

Credit Score Average Rate (annual)
Very Poor $6,060
Fair $3,700
Good $2,990
Very Good $2,704
Exceptional $2,380

Learn more about the relationship between poor credit and car insurance.

What drives up car insurance rates in Tampa?

Where you live in Tampa affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Tampa is no exception to the rule. From ZIP code 33592 to 33603, premiums rise by 38 percent—that's $849.

Expensive Tampa ZIP codes: 33604, 33607, 33614, 33605, 33603

Cheap Tampa ZIP codes: 33592, 33569, 33549, 33647, 33650

Tampa Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Tampa, you can expect 105 rainy days with an annual rainfall of 46.3 inches. Tampa is also known to experience thunderstorms and occasional hurricanes.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Tampa

Major Highways




Public Transit


TECO Line Streetcar

Toll Roads

Veteran’s Expressway

Leroy Semon Cross Expressway

Find Local Tampa Agents

Watts Dawson and Associates Inc

13008 North 56 St, Tampa, FL 33617

Real Insurors Inc

5005 W Laurel St Ste 209, Tampa, FL 33607

Colucci Insurance

1441 E Fletcher Ave #105, Tampa, FL 33612

Adcock-Adcock Property & Casualty Agency, Inc.

315 W. Fletcher Avenue, Tampa, FL 33612

Cornerstone Insurance, Inc.

13035 W Linebaugh Ave Suite 102, Tampa, FL 33626

Coast To Coast Insurance of Florida, Inc.

3302 Bay To Bay Blvd #102, Tampa, FL 33629

Charter Insurance Group, LLC

1111 N West Shore Blvd Ste 209A, Tampa, FL 33607

Seibert Insurance Agency

5121 Ehrlich Road, Suite 111, Tampa, FL 33624


The average Tampanian's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 415 cups of coffee or $1,037 in savings

See How Much You Can Save in Tampa

Just enter your ZIP code to get started

Location pin icon
No junk mail. No spam calls. Free quotes.


Other people are also asking...

What happens if you total a rental car?

The answer depends on your insurance coverage.  If you do not have insurance you will likely be responsible for the cost of the vehicle. If you do have comprehensive or collision coverage, check with your insurance company. The company may cover the damages. An insurance company may extend your col…
Dec 16, 2018 Tampa, FL

Should I register my vehicle in the state I attend college in?

It depends. Obviously, you want to get the insurance in the state that the car is registered in. If the college student is not listed on their parent's policy, you would need to register the car in the state that you live in for most of the year. If they are listed on their parent's polic…
Sep 24, 2018 Tampa, FL

Cost of sinkhole coverage in Tampa, FL

Florida currently requires homeowners insurance policies and by extension insurance companies to offer coverage for what they call “Catastrophic Ground Collapse,” which may not actually cover damage caused by a sinkhole. Catastrophic Ground Collapse coverage differs from sinkhole insurance by requi…
Aug 1, 2018 Tampa, FL

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.