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 AverageState AverageNational Average
$2,786$1,977$1,569


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 ScoreAverage Rate
Very Poor$5,620
Fair$3,381
Good$2,786
Very Good$2,548
Exceptional$2,351


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
Violation/IncidentMean Rate
DUI$4,204
Reckless Driving$4,254
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
AgeAverage Rate
Teenagers$8,052
20s$3,653
30s$2,774
40s$2,724
50s$2,551
60s$2,596
70s$2,946


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/GenderAverage Rate
Female$2,867
Male$2,786
Single$2,786
Married$2,685
Divorced$2,786
Widowed$2,735


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

2
Major Highways
I-274 I-4 I-75
2
Toll Roads
Veteran’s Expressway Leroy Semon Cross Expressway

Car Insurance Companies in Tampa

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

Colucci Insurance

1441 E Fletcher Ave #105 Tampa, FL 33612

Not sure about Tampa

Check out these other Florida cities...

Jacksonville

Miami

Orlando

St. Petersburg

Hialeah

2

$2,593

The average Tampanian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

415

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:

Tampa Car Insurance

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.

Cost of sinkhole coverage in Tampa, FL

Florida currently requires home insurance policy 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 are 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.
Sinkhole insurance, on the other hand, does not require these same standards to be met before coverage applies for a loss, making it easier for homeowners to file a claim if their home is damaged.

What happens if you total are rental car?

The answer will depend 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 insurance with comprehensive and collision coverage, check with your insurance company.

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.

Additional Resources:

Tampa Car Insurance

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