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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 AverageNational Average

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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 insurer 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.

CompanyAverage Annual Rate
State Farm$2,273

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 bracketAverage Annual Rate

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 StatusAverage Annual Rate

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/ViolationAverage Annual Rate
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 ScoreAverage Rate (annual)
Very Poor$6,060
Very Good$2,704

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

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Driving in Tampa

Major Highways
I-274 I-4 I-75
Toll Roads
Veteran’s Expressway Leroy Semon Cross Expressway

Car Insurance Companies in Tampa

21st Century Acceptance Insurance AFI Allied Allstate Amica Mutual Insurance AssuranceAmerica Auto-Owners Bristol West Cinch Dairyland Direct Auto Electric Insurance Company Esurance FIMC Foremost GAINSCO GEICO Hanover Infinity Jupiter Auto KAI Kingsway America Liberty Mutual Mendota Mercury MetLife National General Nationwide Neptune Flood Insurance Progressive Safeco State Farm Stillwater The General The Hartford Titan Tower Hill Travelers United Automobile Universal Property UPC USAA Windhaven

Find Local Tampa Agents

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

Colucci Insurance

1441 E Fletcher Ave #105, Tampa, FL 33612

Watts Dawson and Associates Inc

13008 North 56 St, Tampa, FL 33617

Real Insurors Inc

5005 W Laurel St Ste 209, Tampa, FL 33607

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

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Recent Questions:

If I am hit by an uninsured driver in Florida, will my insurance company pay to fix my car?

Uninsured Motorist coverage in Florida only applies to bodily injury that you and your passengers may suffer after being hit by an uninsured driver. Since that coverage only applies to injuries then your policy would have to include collision coverage to receive any payout for damage caused to your car by an uninsured driver.
Nov 6, 2016 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.
Sep 24, 2018 Tampa, FL

If my insurance company back pays upon cancellation will it look like a gap in my coverage?

Your new insurance company will not make you back pay when you start your policy. However, having a lapse in coverage does increase the rates.
Jun 14, 2019 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 requiring four standards be met before an insurance company will cover your loss: The ground collapse must be abrupt The depression of the ground cover must be clearly visible to the naked eye Structural damage must occur to the building covered on your insurance policy (this includes the foundation) The structure must be condemned and ordered to be vacated by the government agency authorized to issue such an order for that structure If you sustain a sinkhole on your property but don’t meet those criteria, you could be faced with a financial catastrophe. Your home could be damaged, but not severely enough to warrant a “condemned” status, leaving you with a huge repair bill and no coverage.
Aug 1, 2018 Tampa, FL

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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.