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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
)
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
In This Article
Car insurance in Tampa tends to run high, with drivers paying an average of $232 per month. Tampa’s mix of heavy traffic, extreme weather, a high number of uninsured motorists, and no-fault insurance laws drives local rates higher than average.[1]
Still, companies like State Farm and Mile Auto offer some of the cheapest coverage options in the area.
Here’s a look at the best auto insurance companies in Tampa, average rates by driver and coverage type, and what coverages you actually need to protect yourself on the road.
State Farm offers the cheapest auto insurance in Tampa, averaging 136 per month.
The average cost of liability car insurance in Tampa is $204, while full coverage costs an average of $260 per month.
Allstate and Farmers are our top picks for auto insurance in Tampa.
The Best Auto Insurance Companies in Tampa
No single auto insurance company is right for every driver in Tampa. The best company for you depends on your budget, driving history, and coverage needs. The following companies are our top picks based on a combination of average car insurance rates, coverage options, available discounts, and customer ratings and reviews.
| User Reviews | 3.4 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $187/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $200/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate makes it easy to customize your full-coverage car insurance policy with options like extended warranty coverage, rideshare insurance, and rental reimbursement. Safe drivers can also take advantage of benefits such as accident forgiveness, a safe driving bonus, and a vanishing deductible.
Low-mileage drivers might save even more with Drivewise, its pay-per-mile insurance policy.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $111/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $211/mo |
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Tampa drivers can tailor their Farmers auto insurance policy to their specific needs with optional add-ons such as original equipment manufacturer parts, new car replacement, and custom equipment. Farmers also offers a variety of discounts for young drivers, including youthful driver, good student, sharing a family vehicle, and going away to college discounts.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $160/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $179/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO offers rates that are more affordable than most companies, which can be a great benefit in the expensive Florida market. GEICO has fewer local agents in the Tampa area, but its online tools, fast quoting process, and solid list of coverages and discounts make it a good contender for budget-conscious drivers in Tampa.
That said, customers report poor customer service and frustration with GEICO’s claim processing and payments, according to Trustpilot reviews.
Affordable car insurance rates
Easy online quote process
Above-average customer satisfaction
Poor Trustpilot reviews
Below-average claims satisfaction
No gap insurance available
The Cheapest Car Insurance Quotes in Tampa
Finding the cheapest car insurance in Tampa doesn’t have to be stressful. You can usually get the best deal by comparing rates from multiple insurers and taking advantage of discounts.
Consider getting auto insurance quotes from the following companies, which offer some of the cheapest rates in Tampa, according to Compare.com data.
Average Premium Prices based on average across state-minimum and full coverage car insurance $111/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $149/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $167/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $181/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $173/mo* |
Overall Rating 3.8 | Overall Rating 0.0 | Overall Rating 3.0 | Overall Rating 4.0 | Overall Rating 3.9 |
Value 4.1/5 | Value 0.0/5 | Value 3.5/5 | Value 3.4/5 | Value 3.4/5 |
Customer Service 4.4/5 | Customer Service 0.0/5 | Customer Service 3.6/5 | Customer Service 3.7/5 | Customer Service 3.5/5 |
Claims Handling 4.0/5 | Claims Handling 0.0/5 | Claims Handling 3.3/5 | Claims Handling 3.1/5 | Claims Handling 3.4/5 |
Special Highlight N/AAI-generated from 310 user reviews | Special Highlight N/AAI-generated from 0 user reviews | Special Highlight N/AAI-generated from 286 user reviews | Special Highlight N/AAI-generated from 13 user reviews | Special Highlight N/AAI-generated from 11 user reviews |
How Much Car Insurance Do You Need in Tampa?
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Car insurance isn’t optional in Tampa. Florida requires drivers to have certain types of auto insurance coverage to legally operate a vehicle. The state’s minimum requirements cover your injuries and property damage you cause to others in an accident, but don’t always provide enough protection for every situation.
Before choosing a policy, it helps to understand exactly what Florida law requires:
Personal injury protection (PIP): $10,000 per person
Property damage liability (PDL): $10,000 per accident
You should also consider bodily injury liability. Even though Florida is a no-fault state, meaning your own PIP coverage pays for your injuries regardless of fault, another driver could sue you if their medical expenses cost more than their PIP limit. Bodily injury can help pay for those extra costs.
Full-coverage insurance usually includes liability, comprehensive, and collision coverage in a single policy. For most Tampa drivers, it’s worth the extra cost because it helps pay for your vehicle repairs after common losses, like accidents, storm damage, theft, and vandalism.
It makes the most sense if you lease or finance your car, or if your car’s still worth a decent amount. Drivers with older, low-value, paid-off vehicles may be among the few who don’t need it.
Optional car insurance coverages can provide extra protection. Here are a few options to consider:
Comprehensive coverage pays for non-collision claims like animal and weather damage, theft, broken glass, flying objects, and vandalism.
Collision insurance covers your vehicle repairs after a single-vehicle rollover or crash.
Uninsured/underinsured motorist coverage pays for damage caused to your vehicle by another driver who doesn’t have insurance (or enough coverage).
Rental reimbursement helps cover the cost of a rental while the repair shop fixes your vehicle after an accident.
Roadside assistance covers things like flat tires, key lockouts, battery jump-starts, and towing.
Cheapest Car Insurance in Tampa by Driver and Coverage Type
Auto insurance rates in Tampa can vary quite a bit based on factors like your age, credit history, coverage choices, driving record, and vehicle type. That’s why it’s important to understand average rates for drivers with similar profiles — it can help you quickly determine if a company is offering a good price.
Check out the table below for the cheapest insurer in Tampa for different drivers and coverage types, according to Compare.com data.
Driver or Coverage Type | Cheapest Insurer |
|---|---|
| State-minimum coverage | State Farm |
| Full coverage | State Farm |
| Drivers with a speeding ticket | State Farm |
| Drivers with an at-fault accident | State Farm |
| Drivers with a DUI | State Farm |
| Teens | State Farm |
| Seniors | State Farm |
| Drivers with excellent credit | State Farm |
| Drivers with poor credit | State Farm |
Cheapest liability-only coverage in Tampa: State Farm
State-minimum coverage meets Florida car insurance requirements, but it doesn’t cover your own vehicle repairs. The average cost of minimum coverage in Tampa is $204 per month. It’s best for drivers with older cars or those who don’t have significant assets at risk if another driver sues after an accident.
The chart below shows the cheapest insurers in Tampa for basic liability coverage, according to Compare.com data.
Cheapest Liability Rates by Company
Cheapest full coverage: State Farm
Full-coverage policies typically include collision and comprehensive coverage, along with higher liability insurance limits. This type of car insurance is best if you have assets to protect, a lease or loan on your vehicle, or want help paying for vehicle repairs after a loss. In Tampa, full-coverage car insurance costs an average of $260 per month.
Let’s take a look at the chart below to see which insurers offer the cheapest full coverage in Tampa, according to Compare.com data.
Cheapest Full-Coverage Rates by Company
Compare Real-Time Car Insurance Quotes in Tampa
Rates in Tampa start at $136 per month.
Cheapest after a speeding ticket: State Farm
Getting a speeding ticket signals to insurers that you’re at a higher risk of filing a claim, even if it’s your first violation. Drivers in Tampa with a recent ticket pay an average of $268 per month.
Switching to an insurer that charges more affordable rates after a ticket can help you avoid steep rate hikes. The chart below shows Tampa’s cheapest insurers for drivers with a recent ticket, according to Compare.com data.
Cheapest Rates With a Ticket
Cheapest after an accident: State Farm
Causing an accident means you’re likely to get into another crash, which makes you a high-risk driver in the eyes of insurance companies and raises your premiums. The average cost of car insurance in Tampa for people with a recent at-fault accident is $291 per month.
Fortunately, you don’t have to accept the increase. Switching to an insurer that offers more competitive rates for drivers with recent accidents can help lower your costs. The chart below highlights some of the cheapest options for Tampa drivers with an at-fault accident, according to Compare.com data.
Cheapest Rates With an Accident
Cheapest after a DUI: State Farm
A driving under the influence (DUI) conviction is the most serious violation you can get, often causing auto insurance rates to spike dramatically because it greatly increases your chances of causing a crash. In Tampa, drivers with a recent DUI pay a monthly average of $328.
The good news is that you can often limit rate increases by switching to a car insurance company that specializes in high-risk drivers. The following chart breaks down the cheapest Tampa insurers for drivers with a DUI, according to Compare.com data.
Cheapest Rates With a DUI
Cheapest for teens: State Farm
Teen drivers often face the highest car insurance rates because inexperience and immaturity can lead to risky behaviors, like speeding and distracted driving, that increase crash risk.[7] The average insurance rate for teens in Tampa is $401 per month.
But that doesn’t mean you’re stuck paying sky-high premiums if you have a young driver on your policy. The following companies offer some of the cheapest rates for teen drivers in Tampa, according to Compare.com data.
Cheapest Rates For Teens
Cheapest for seniors: State Farm
Seniors typically spend less time on the road and have extensive driving experience, which means they file fewer claims. That leads to some of the cheapest rates of any age group. Tampa seniors pay an average of $208 per month for auto insurance. But you can often find an even better insurer if you know where to look.
Check out the chart below for the cheapest insurers for seniors in Tampa, according to Compare.com data.
Cheapest Rates For Seniors
Cheapest for bad credit: State Farm
Drivers with poor credit often pay higher car insurance rates because insurers see them as a higher risk for claims. The average monthly rate for drivers with bad credit in Tampa is $290.
Not all insurance companies in the Tampa Bay area consider credit when setting rates, and some still offer cheap premiums regardless of credit history. We highlight the cheapest insurers in Tampa for drivers with poor credit in the table below.
Cheapest Rates With Bad Credit
Find the Best Company for You
Local rates start as low as $136 per month.
Tampa Auto Insurance FAQs
Here are answers to common questions people ask about Tampa car insurance.
How much is car insurance in Tampa?
The average cost of car insurance coverage in Tampa is $232 per month. Liability-only coverage costs an average of $204 per month, while full coverage averages $260, according to Compare.com data.
What’s the cheapest auto insurance company in Tampa?
The cheapest auto insurance company in Tampa is State Farm, with an average monthly rate of $136, according to Compare.com data.
What’s the best car insurance company in Tampa?
The best car insurance company in Tampa depends on what you want in an insurer — no company will be the best option for every driver. That said, Allstate, Farmers, and GEICO stand out as some of the best insurers for Tampa drivers. Consider what’s most important to you and get a quote to determine which insurer best meets your needs.
Is car insurance in Tampa expensive?
Car insurance rates depend on several factors, including age, address, driving history, and more. Insurance premiums in Tampa average $232 per month. The Florida average is $182, while rates average $136 nationally, according to Compare.com data.
Is minimum coverage enough in Tampa?
No. Most experts agree that minimum coverage is usually not enough in Tampa. Florida only requires $10,000 in PDL, but the average new vehicle costs over $50,000.[8] If you total a newer car and only have state minimum PDL, you could be held responsible for paying the difference out of pocket.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Sources
- Florida Department of Highway Safety and Motor Vehicles. "Uninsured Motorist Rate."
- App Store. "Allstate Mobile App."
- Trustpilot. "Allstate Reviews."
- Jdpower.com. "2025 U.S. Auto Claims Satisfaction Study."
- Jdpower.com. "2025 U.S. Auto Insurance Study."
- Jdpower.com. "2025 U.S. Insurance Digital Experience Study."
- Iihs.org. "Teenagers."
- Kelley Blue Book. "New Record: Average New Car Prices Surpasses $50,000."
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
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- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Learn more about us, our team, and what makes us tick.
)
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
)
)
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).