Tampa, FL Car Insurance

On average, drivers in Tampa pay around $173 per month for their car insurance. To learn more about car insurance rates in the Tampa area, read our guide below.
Map of cities where drivers can find cheaper car insurance
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How much can residents of Tampa expect to pay for their car insurance? How does Tampa compare to the surrounding area and the rest of Florida? You can see the cost breakdowns and contributing factors in the charts and writeups below:

How much is car insurance in Tampa?

Area Average Monthly Car Insurance Premium
Tampa$173
FL$123
United States$81

As you can see in the chart above, it is around $50 a month more expensive to insure your vehicle in Tampa than it is in the rest of Florida.

Similarly, Tampa residents should prepare to pay higher rates for coverage than the rest of the country. The cost of insuring a vehicle in Tampa is about $92 more expensive than the average rate for the rest of the U.S.

Keep in mind that while these are the average car insurance rates for Tampa, it isn't guaranteed that it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

But don't worry, we've broken down the average rate for Tampa residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$240
25-34$165
35-44$162
45-54$156
55-64$133
65+$133

Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Tampa.

Average Car Insurance Rates by Gender

Gender Average
Male$167
Female$180

Although women typically pay less than men do for auto insurance coverage, this is not the case in Tampa, where female drivers pay around $180 per month while male drivers pay about $167.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$208
Multiple Accidents$272
1 Ticket$206
Multiple Tickets$238

Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Tampa, having a single accident on your record will usually get you rates around $208 a month. Likewise, drivers with one ticket will be looking at a rate of around $206 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$150
2-3 Years$150
4-5 Years$156
6-7 Years$166
8-10 Years$179
11-14 Years$181
15 Years or Older$174

According to the first table above, the cheapest vehicles to insure in Tampa are by and large trucks and vans, at $161 per month.

Car owners can expect to pay an average of around $176 a month for their policy, while SUVs usually cost around $169 a month to insure.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Tampa are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$175
Married$169
Divorced$142
Widowed$129

Overall, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Tampa as well, where the difference is around $6 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$149
Rent$179
Live with parents$220

Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $30 a month more than drivers who own property in Tampa. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Tampa, FL

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

Car insurance rates in Tampa declined from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $102.

How does Tampa compare to neighboring areas?

Why are car insurance rates in Tampa different from other areas?

Car insurance companies look at a number of factors when they're deciding how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Amount of off-street parking
  • Road Safety (how many accidents each locality has)
  • Local laws
  • Local crime rates
  • Amount of drivers in the area

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Tampa?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But wait! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing plans in Tampa.


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Tampa Insurance FAQs

What factors affect car insurance quotes in Tampa?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Tampa different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Tampa?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Tampa?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Tampa or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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