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
1441 E Fletcher Ave #105, Tampa, FL 33612
Adcock-Adcock Property & Casualty Agency, Inc.
315 W. Fletcher Avenue, Tampa, FL 33612
Watts Dawson and Associates Inc
13008 North 56 St, Tampa, FL 33617
Seibert Insurance Agency
5121 Ehrlich Road, Suite 111, Tampa, FL 33624
Cornerstone Insurance, Inc.
13035 W Linebaugh Ave Suite 102, Tampa, FL 33626
Charter Insurance Group, LLC
1111 N West Shore Blvd Ste 209A, Tampa, FL 33607
Real Insurors Inc
5005 W Laurel St Ste 209, Tampa, FL 33607
Coast To Coast Insurance of Florida, Inc.
3302 Bay To Bay Blvd #102, Tampa, FL 33629
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