What's the Average Cost of Car Insurance in Tampa?


Tampa premiums, which surpass the state average by 36%, are recognized for being costly. Therefore if you are insuring a vehicle in Tampa, cutting costs is vital. Let's compare car insurance costs in Tampa versus premiums across the nation.


INSURANCE PREMIUMS: TAMPA VS. NATIONAL/STATE AVERAGES
City Average State Average National Average
$2,553 $1,878 $1,427


Tampa Car Insurance by Credit Rating


Improving your credit can save you a good chunk of money. Those in the top credit tier (800-850) save an average of 54% each year on premiums compared to those in the bottom tier (300-579). The most significant benefit of better credit occurs when boosting from Very Poor (300-579) to Fair (580-669), by which drivers can save close to $741 per year.


TAMPA AUTO INSURANCE RATES BY CREDIT LEVEL
Credit Average Auto Insurance Rate
Very Poor $4,915
Fair $4,008
Good $3,267
Very Good $2,673
Exceptional $2,243


Tampa Car Insurance by Gender and Marital Status


Both marital status and gender can play a part in your car insurance premiums in Tampa. $74 is the amount by which men's and women's car insurance premiums differ. Single individuals spend 4% more per year on car insurance compared to those who are married. Rates for those who are widowed are slightly cheaper than rates for those who are single.


TAMPA CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/Gender Average Rate
Female $2,627
Male $2,553
Single $2,553
Married $2,466
Divorced $2,553
Widowed $2,506


Tampa Auto Insurance After Accidents or Violations


Possessing a clean driving record is crutial to keep the price of car insurance rates low. A DUI will increase your car insurance premiums more than other driving violations. In Tampa, drivers with a DUI need to spend 53% more than the city average to insure their vehicle. Reckless driving will push your premiums up as well, with average rates of $3,864. That is 51% higher than the city average! Accidents happen, even to safe drivers, so be prepared and learn what one can do to your rates. Being at-fault in an accident costs drivers an extra 39% per year in premiums compared to the city average.


AVERAGE TAMPA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/Incident Average Insurance Rate
DUI/DWI $3,895
Reckless Driving $3,864
At-fault Accident (damages less than $1,000) $3,547
At-fault Accident (damages greater than $2,000) $3,547
Speeding Ticket (16-20 mph over speed limit) $3,281


Tampa Car Insurance Premiums by Driver Age

When drivers reach their 20s in Tampa, therefore moving out of the teenage age range, they can save 54% annually, which is the most change you'll see between any age group. Premiums for drivers continue to shrink through their 50s, but they can anticipate an increase when they hit 60. With rates of $7,313 on average, teenage drivers pay the most in car insurance premiums. Looking across all age groups, drivers in their 50s tend to have the smallest car insurance premiums. Their rates generally average $2,341 per year. However, people in their 60s ($2,376) aren’t paying much more.


TAMPA AUTO INSURANCE PRICES BY DRIVER AGE
Age Average Rate
Teenagers $7,313
20s $3,340
30s $2,542
40s $2,498
50s $2,341
60s $2,376
70s $2,883


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.

105

Rainy Days a Year

46"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Tampa

Major Highways
I-274 I-4 I-75
Public Transit
HART Bus TECO Line Streetcar
Toll Roads
Veteran’s Expressway Leroy Semon Cross Expressway

Find Local Tampa Agents

Adcock-Adcock Property & Casualty Agency, Inc.

315 W. Fletcher Avenue Tampa, FL 33612

Cornerstone Insurance, Inc.

13035 W Linebaugh Ave Tampa, FL 33626

Coast To Coast Insurance of Florida, Inc.

3302 Bay To Bay Blvd Tampa, FL 33629

Real Insurors Inc

5005 W Laurel St Ste 209 Tampa, FL 33607

Watts Dawson and Associates Inc

13008 North 56 St Tampa, FL 33617

Colucci Insurance

1441 E Fletcher Ave #105 Tampa, FL 33612

Seibert Insurance Agency

5121 Ehrlich Road, Suite 111 Tampa, FL 33624

Charter Insurance Group, LLC

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

See All

Not sure about Tampa

Check out these other Florida cities...

Jacksonville

Miami

Orlando

St. Petersburg

Hialeah

$2,593

The average Tampanian's annual cost of coverage

40%

Our customer's average savings after comparing insurance

415

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

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Tampa Car Insurance

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