Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Tampa, FL are $536/month
  • The annual number of car thefts in Tampa is 460.
  • The cheapest car insurance company in Tampa for teen drivers is USAA

Average car insurance rates in Tampa, Florida are $536 a month. But with a little research you can get a great deal from the top car insurance companies in Tampa, FL. Before you buy Tampa, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

It may even be helpful to compare Tampa car insurance rates with Tallahassee car insurance rates, Miami car insurance rates, or Port St. Lucie car insurance rates to make sure you’re getting the best Tampa, FL car insurance quotes available.

Need affordable Tampa, FL car insurance? Enter your ZIP code to compare Tampa car insurance quotes from multiple car insurance companies near you.

Tampa, FL Minimum Car Insurance Coverage

Tampa, Florida law requires drivers carry a minimum of 10/20/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Tampa, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Tampa, FL Car Insurance Rates by Coverage Level

Some Tampa drivers can get by with the Florida minimum coverage of 10/20/10. Other drivers may need more. See how much your Tampa, Florida car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Tampa, Florida

Insurance Company Low Medium High
Allstate $8,919 $12,711 $14,397
GEICO $3,873 $4,930 $5,472
Liberty Mutual $6,877 $7,702 $8,106
Nationwide $4,519 $6,111 $6,949
Progressive $5,479 $6,920 $7,826
State Farm $3,901 $4,728 $5,192
USAA $2,932 $3,598 $3,851

Tampa, FL Car Insurance Rates by Age, Gender, and Marital Status

Tampa, Florida car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Tampa, FL car insurance, get quotes from multiple car insurance companies in the Tampa area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Tampa, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $7,755 $7,219 $6,676 $6,668 $25,748 $27,423 $7,317 $7,266
GEICO $3,772 $3,787 $3,526 $3,526 $6,727 $8,378 $4,153 $4,196
Liberty Mutual $5,157 $5,157 $4,704 $4,704 $11,176 $17,355 $5,157 $7,085
Nationwide $4,099 $4,031 $3,654 $3,776 $9,940 $12,189 $4,513 $4,674
Progressive $4,519 $4,231 $3,845 $4,122 $12,819 $13,856 $5,439 $5,103
State Farm $2,877 $2,877 $2,609 $2,609 $8,495 $10,765 $3,215 $3,410
USAA $1,983 $1,946 $1,861 $1,840 $6,907 $7,997 $2,478 $2,672

Tampa, FL Car Insurance Rates for Teens

How much is Tampa, Florida car insurance for teens? Compare rates from top Tampa car insurance companies below to help find the cheapest teen car insurance in Tampa, FL.

Annual Car Insurance Rates for Teen Drivers in Tampa, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $25,748 $27,423
GEICO $6,727 $8,378
Liberty Mutual $11,176 $17,355
Nationwide $9,940 $12,189
Progressive $12,819 $13,856
State Farm $8,495 $10,765
USAA $6,907 $7,997

Tampa, FL Car Insurance Rates for Seniors

Before seniors buy Tampa, Florida car insurance, they should make sure to shop around. Some Tampa, FL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Tampa, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $6,676 $6,668
GEICO $3,526 $3,526
Liberty Mutual $4,704 $4,704
Nationwide $3,654 $3,776
Progressive $3,845 $4,122
State Farm $2,609 $2,609
USAA $1,861 $1,840

Tampa, FL Car Insurance Rates by Credit History

How does your credit history affect Tampa, FL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Tampa, Florida

Insurance Company Poor Fair Good
Allstate $17,087 $10,551 $8,389
GEICO $6,949 $4,190 $3,136
Liberty Mutual $9,814 $7,136 $5,736
Nationwide $7,376 $5,369 $4,834
Progressive $8,779 $6,253 $5,193
State Farm $6,364 $4,114 $3,344
USAA $5,608 $2,763 $2,011

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Tampa, FL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Tampa, Florida car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Tampa.

Annual Tampa, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,361 $12,538 $13,672 $11,465
GEICO $3,297 $4,230 $6,324 $5,182
Liberty Mutual $5,349 $7,055 $10,405 $7,439
Nationwide $4,976 $5,482 $7,436 $5,544
Progressive $5,313 $7,874 $6,639 $7,141
State Farm $4,198 $5,017 $4,607 $4,607
USAA $2,696 $3,343 $4,972 $2,830

Tampa, FL Car Insurance Rates With a DUI

Even a single DUI can increase your Tampa, FL car insurance rates. Compare rates below to see which Tampa car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Tampa, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $13,672
GEICO $6,324
Liberty Mutual $10,405
Nationwide $7,436
Progressive $6,639
State Farm $4,607
USAA $4,972

Tampa, FL Car Insurance Rates by ZIP Code

Just like Tampa car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Tampa, FL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Tampa, Florida

ZIP Code Average Annual Rates
33602 $5,251
33603 $5,272
33604 $5,188
33605 $5,217
33606 $5,136
33607 $5,312
33609 $4,693
33610 $4,975
33611 $4,597
33612 $5,217
33616 $4,596
33617 $4,427
33620 $4,573
33621 $4,468
33629 $4,597
33634 $5,119
33635 $4,741
33637 $4,750
33647 $4,292

Tampa, FL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Tampa, FL car insurance rates may be. Let’s take a look at average car insurance rates from top Tampa companies based on commute time.

Annual Car Insurance Rates by Commute Length in Tampa, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $11,668 $12,350
GEICO $4,735 $4,781
Liberty Mutual $7,309 $7,815
Nationwide $5,860 $5,860
Progressive $6,742 $6,742
State Farm $4,441 $4,774
USAA $3,421 $3,500

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Tampa, FL Cheapest Car Insurance Rates

How do the top Tampa, Florida car insurance companies’ average rates stack up against the Tampa average monthly car insurance rates of $536? Take a look and see.

Best Annual Car Insurance Rates by Company in Tampa, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Tampa, FL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Tampa, Florida car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Tampa, Florida

Insurance Company Average Annual Rates
Allstate $12,009
GEICO $4,758
Liberty Mutual $7,562
Nationwide $5,860
Progressive $6,742
State Farm $4,607
USAA $3,460

Other Factors Affecting Tampa, FL Car Insurance Rates

Before you buy Tampa, Florida car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Tampa, FL Car Theft Rates

The car theft rate in Tampa, FL will affect your car insurance rates. FBI data shows that the annual car theft rate for Tampa, Florida is 460 stolen cars.

Tampa, FL Commute Time

How does your Tampa, FL commute time compare with the average driver? In Tampa, the average commute is 24.6 minutes.

Tampa, FL Traffic

Spending time in Tampa traffic can lead to higher car insurance rates. According to INRIX data, Tampa, FL ranks as the 228th-most congested with traffic in the world.

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Tampa, FL Car Insurance Quotes

Compare Tampa, FL car insurance quotes from multiple companies by entering your ZIP code now.