What's the average car insurance rate in Tampa?
The typical Tampa driver pays $2,990 per year for car insurance. That's more than the average in Florida ($2,309) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Tampa.
CAR INSURANCE RATES IN TAMPA
|Tampa Average (annual)||Florida Average||National Average|
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Tampa auto insurance rates by insurer
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, State Farm offers Tampa's most affordable premiums. Reference below the top options for affordable insurance in Tampa. Don't forget to get car insurance quotes based on your unique driving profile.
TAMPA CAR INSURANCE RATES BY COMPANY
|Company||Average Annual Rate|
Tampa auto insurance premiums by age
The age group that enjoys the lowest auto insurance rates in Tampa are drivers in their 50s, who pay an average of $2,757per year. Drivers in their 60s pay marginally higher rates — $2,807 per year.
Teenage drivers pay Tampa's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Tampa is to age out of your teenage years. The difference in rates paid by teenage drivers and drivers in their 20s in Tampa is $4,726, the largest such difference between any two age groups.
TAMPA CAR INSURANCE RATES BY DRIVER AGE
|Age bracket||Average Annual Rate|
Tampa car insurance rates by marital status and gender
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Tampa pay $97 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Tampa, single drivers pay more than those who are widowed.
Another component of auto insurance pricing is gender. In Tampa, female drivers pay more for auto insurance than do male drivers: $101 per year, to be precise.
INSURANCE RATES IN TAMPA BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Annual Rate|
Tampa car insurance costs by citation and accident history
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Tampa, a reckless driving citation results in an average insurance rate increase of $1,545 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $1,405 increase and a speeding ticket triggers a $737 rate hike.
AVERAGE TAMPA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$4,137|
|At-fault Accident (damages greater than $2,000)||$4,137|
|Speeding Ticket (16-20 mph over speed limit)||$3,726|
Tampa car insurance premiums by credit tier
In many cases, a driver's credit level is closely correlated with their auto insurance rates. In fact, Tampa drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 61% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Tampa, improving your credit to "Fair" could help you earn a $2,361 decrease in yearly insurance premiums.
TAMPA AUTO INSURANCE PREMIUMS BY CREDIT LEVEL
|Credit Score||Average Rate (annual)|
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, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. 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.
Rainy Days a Year
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Find Local Tampa Agents
Charter Insurance Group, LLC
1111 N West Shore Blvd Ste 209A, Tampa, FL 33607
1441 E Fletcher Ave #105, Tampa, FL 33612
Cornerstone Insurance, Inc.
13035 W Linebaugh Ave Suite 102, Tampa, FL 33626
Real Insurors Inc
5005 W Laurel St Ste 209, Tampa, FL 33607
Adcock-Adcock Property & Casualty Agency, Inc.
315 W. Fletcher Avenue, Tampa, FL 33612
Seibert Insurance Agency
5121 Ehrlich Road, Suite 111, Tampa, FL 33624
Coast To Coast Insurance of Florida, Inc.
3302 Bay To Bay Blvd #102, Tampa, FL 33629
Watts Dawson and Associates Inc
13008 North 56 St, Tampa, FL 33617
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