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|
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|
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|
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|
|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
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
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
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
The average Tampanian's annual cost of coverage
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Tampa Car Insurance
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