What's the Average Cost of Car Insurance in Tampa?
Premiums in Florida, which exceed the national average by $408, are recognized for being pricey. Premiums run even higher in the city, so in Tampa, it is especially imperative to save while insuring a vehicle. Let's take a look at how auto insurance costs in Tampa compare to rates nationwide.
CAR INSURANCE COSTS: TAMPA VS. STATE/NATIONAL AVERAGES
|City Average||State Average||National Average|
Tampa Car Insurance by Credit Rating
Average car insurance premiums in Tampa for individuals with Very Poor credit (300-579) are 2.4x higher than for those with Exceptional credit (800-850). Drivers can save around 40% per year when they raise their credit tier from Very Poor (300-579) to Fair (580-669).
TAMPA AUTO INSURANCE COSTS BY CREDIT LEVEL
|Credit Score||Average Rate|
Tampa Car Insurance After Accidents or Violations
Prior accidents and violations can cost you in terms of car insurance rates. Reckless driving will increase your car insurance premiums more than other driving violations. In general, a DUI in Tampa will cost you 51% more in car insurance premiums versus the city average ($2,786). Reckless driving will push your premiums up as well, with typical rates of $4,254, which are 53% higher than the city average! Insurance rates are affected by at-fault accident history, and more specifically, by how much damage resulted from the accidents. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you an additional $37 per year in premiums.
AVERAGE TAMPA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$3,846|
|At-fault Accident (damages greater than $2,000)||$3,883|
|Speeding Ticket (16-20 mph over speed limit)||$3,602|
Tampa Car Insurance by Age
Teenage drivers have the highest rates out of all the age groups. They have car insurance payments that average $8,052. At $2,551, drivers in their 50s have the smallest car insurance premiums among any age group. However, those in their 60s ($2,596) aren’t paying significantly more. The greatest reduction in premiums for Tampa drivers happens when they reach their 20s. Once out of the teenage age range, individuals save, on average, 55%. Turning 60 causes a rise in insurance rates, but up until that age drivers can anticipate premium reductions when they progress between age groups.
TAMPA CAR INSURANCE PREMIUMS BY DRIVER AGE
Tampa Car Insurance by Gender and Marital Status
In Tampa, both gender and marital status can have an effect on your car insurance premiums. 3% is the amount by which men's and women's car insurance premiums deviate. Rates for those who are widowed are marginally cheaper than rates for those who are single. You can save roughly $100 per year if you're married as opposed to single or divorced.
TAMPA CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Tampa Agents
Real Insurors Inc
5005 W Laurel St Ste 209 Tampa, FL 33607
Seibert Insurance Agency
5121 Ehrlich Road, Suite 111 Tampa, FL 33624
Coast To Coast Insurance of Florida, Inc.
3302 Bay To Bay Blvd Tampa, FL 33629
Cornerstone Insurance, Inc.
13035 W Linebaugh Ave Tampa, FL 33626
Charter Insurance Group, LLC
1111 N West Shore Blvd Ste 209A Tampa, FL 33607
Watts Dawson and Associates Inc
13008 North 56 St Tampa, FL 33617
Adcock-Adcock Property & Casualty Agency, Inc.
315 W. Fletcher Avenue Tampa, FL 33612
1441 E Fletcher Ave #105 Tampa, FL 33612
The average Tampanian's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Tampa
Just enter your zip code to get started
Tampa Car Insurance
- 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
Tampa Car Insurance
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...