Car Insurance in Tampa
Tampa premiums surpass the state average by 36%, which is why the city is known for its pricey premiums, so if you are insuring a vehicle in Tampa, understanding premium costs is imperative. Why don't we get started on how to save on car insurance in Tampa?
- City Average: $2,553
- State Average: $1,878
- National Average: $1,427
Tampa Car Insurance by Gender and Marital Status
Marital status and gender can affect your car insurance premiums in Tampa. You can save an average of $87 per year if you're married as opposed to single or divorced. Rates for those who are widowed are slightly cheaper than rates for those who are single. Luckily for men, their premiums tend to be 3% cheaper than for women.
- Female: $2,627
- Male: $2,553
- Single: $2,553
- Married: $2,466
- Divorced: $2,553
- Widowed: $2,506
Tampa Car Insurance by Accident or Violation History
Having a spotless driving record is vital if you want to keep the price of insurance premiums minimal. 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 also push your rates up, with average rates of $3,864. That is 51% higher than the city average! Being at-fault in an accident can cost drivers an extra 39% per year in premiums compared to the city average.
- DUI: $3,895
- Reckless Driving: $3,864
- At-fault Accident (damages less than $1000): $3,547
- At-fault Accident (damages greater than $2000): $3,547
- Speeding Ticket (16-20 mph over speed limit): $3,281
Tampa Car Insurance by Age
Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance premiums among any age group, with rates of $2,341/year. People in their 60s ($2,376) aren’t paying much more. Teenage drivers have the most expensive rates out of all the age groups, with typical car insurance payments of $7,313. The greatest decline in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Tampa start seeing a reduction in premiums of 54%. Turning 60 causes an increase in premiums, but up until that age drivers can anticipate premium reductions when they progress from one age group to the next.
- Teenagers: $7,313
- 20s: $3,340
- 30s: $2,542
- 40s: $2,498
- 50s: $2,341
- 60s: $2,376
- 70s: $2,883
Tampa Car Insurance by Credit Rating
Average car insurance premiums in Tampa for those with Very Poor credit (300-579) are over double the premiums for those with Exceptional credit (800-850). Drivers can save around $741 per year when they raise their credit tier from Fair (580-669) to Good (670-739).
- Very Poor: $4,915
- Fair: $4,008
- Good: $3,267
- Very Good: $2,673
- Exceptional: $2,243
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
Watts Dawson and Associates Inc
13008 North 56 St Tampa, FL 33617
Coast To Coast Insurance of Florida, Inc.
3302 Bay To Bay Blvd Tampa, FL 33629
1441 E Fletcher Ave #105 Tampa, FL 33612
Adcock-Adcock Property & Casualty Agency, Inc.
315 W. Fletcher Avenue Tampa, FL 33612
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
Seibert Insurance Agency
5121 Ehrlich Road, Suite 111 Tampa, FL 33624
Cornerstone Insurance, Inc.
13035 W Linebaugh Ave Tampa, FL 33626
The average Tampanian's annual cost of coverage
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Tampa Car Insurance
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