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Car Insurance in Tampa

Compare car insurance costs in Tampa, Florida (2024)

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Car Insurance in Tampa, FL

As Florida's third-largest city, Tampa is alive and thriving. Its mix of white-sand beaches, extensive sports scene, and numerous cultural sites like Ybor City make it an attractive haven for businesses and residents alike.

While Tampa's driving laws mirror those of Florida state, the city is known for a mix of aggressive and laidback drivers, which can lead to misunderstandings. Its road layout and structure include roundabouts, so it's a good idea to familiarize yourself with how they work if you're coming from a city that doesn't have them.

Like other cities throughout Florida, Tampa residents must hold car insurance with a minimum of $10,000 in property damage liability and $10,000 in personal injury protection coverage. However, if you have an auto loan, your provider may require you to purchase additional insurance.

To keep your insurance costs reasonable, comparing car insurance quotes in Tampa is best. Start saving today with help from EverQuote.


How much is car insurance in Tampa, FL?

The overall expense of car insurance in Tampa largely depends on the coverage options you're interested in. To provide a general idea of what you might pay, below are the average costs for the three most popular types of coverage in the city:

$171
State Minimum
$289
Full 50/100
$307
Full 100/300

Auto Insurance Cost Methodology
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Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.

What are the cheapest cars to insure in Tampa?

Evaluating and comparing the insurance costs for each possible car make, model, and year within the city can be a complex task. Nevertheless, if you're interested in identifying which recent models generally offer more cost-effective insurance, take a look at these top 10 most budget-friendly car makes and models in Tampa:


RankMake and ModelAverage Monthly Premium
1Subaru Forester$261
2Honda Cr-V$263
3Honda Odyssey$280
4Ford F-150$280
5Toyota Corolla$282
6Toyota Rav4$289
7Toyota Tacoma$291
8Chevrolet Silverado$296
9Kia Sol$297
10Toyota Tundra$298
Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024


How do claims and violations impact my total cost?

Your driving history plays a critical role in determining your car insurance premiums. Various driving incidents, including minor collisions, major accidents, speeding tickets, DUIs, or hit-and-run occurrences, can affect your insurance rates in the city. Here's a view of how common claims and violations can change your rates in Tampa, listed from the least impactful to the most impactful:


Violation or ClaimAverage Monthly CostPrice Difference
No Claims or Violations$289-
Not at-fault Accident$313+8%
Driving with expired registration$343+19%
Speeding Ticket$375+30%
DUI$411+42%
Driving with a suspended license$431+49%
At-fault Accident$435+51%
Hit and Run$451+56%


What car insurance discounts can I get in Tampa?

In Tampa, there are numerous discounts available to help reduce the cost of your insurance. These include bundling policies, paying your entire premium upfront, switching to paperless billing, and securing renewal discounts, among others. Below, you will find a list of these discounts ranked from the greatest to the least in terms of savings potential, offering you a clear view of the opportunities to lower your expenses:


Potential DiscountsAverage Monthly CostMonthly Savings
Multi-Policy Home$257+$32
Paid in Full$261+$28
Low Mileage$275+$14
Multi-Policy Renters$277+$12
Renewal discount$281+$8
Electronic Funds Transfer$284+$5
Paperless$285+$4
None$289-


Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.