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How much is car insurance in Tampa?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $49 a month more expensive to insure your vehicle in Tampa than it is in the rest of Florida.
Similarly, the expected monthly payments for an auto insurance policy in Tampa are above the national average. It's around $92 more expensive for coverage in Tampa than the average rates seen in the rest of the U.S.
While these numbers are the average rates for auto insurance in Tampa, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Tampa and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Tampa Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay $106 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Tampa drivers may see their rates begin to increase again once they hit retirement.
Tampa Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Tampa, where female drivers pay around $11 more a month.
Tampa Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. The rate for drivers in Tampa with a single accident on their record is about $207 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $204.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Tampa Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$150|
|15 Years or Older||$174|
If you look at the first table above, the cheapest vehicles to insure in Tampa are by and large trucks and vans, at $160 per month.
Car owners will see a monthly rate of about $176, while SUV owners typically pay around $168 per month.
You may also see different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Tampa are vehicles eleven-to-fourteen years old.
Tampa Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$175|
Overall, those who are currently married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Tampa can be as much as $7 a month, so it's worth taking into consideration.
Tampa Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$222|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $30 a month more than if you own your own home in Tampa. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Tampa, FL
Recent trends in car insurance for Tampa drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
Car insurance rates in Tampa decreased from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $128.
How does Tampa compare to neighboring areas?
Why are car insurance rates in Tampa different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Access to off-street parking
- Road safety
- Number of drivers in the area
- Regional crime rates
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Tampa?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from the many car insurance companies providing plans in Tampa.
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Tampa Auto Insurance FAQs
What factors affect car insurance quotes in Tampa?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Tampa different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Tampa?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Tampa?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Tampa or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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