Hillsborough County, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Hillsborough County, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Car insurance rates in Hillsborough County, Florida, widely vary for younger drivers
A recent Zimlon analysis on car insurance quotes in Hillsborough County, Florida, shows that families with young drivers report the highest savings of $15,198 or (157.99%). This driver cohort comprises 50-year-old married couples, 18-year-old single female drivers, and 20-year-old single male drivers. Next, senior and married drivers aged 65 years or above report the second highest savings of $1,653 (127.64%). This survey uses information from the Florida Office of Insurance Regulation.
Car insurance premiums can be influenced by various factors including deductible amounts, coverage limits, and model types. This survey accounts for a personal injury protection limit of $10,000, an uninsured motorist limit and bodily injury limit ranging from $25,000 to $100,000, property damage limits of $50,000 and $100,000, comprehensive and collision deductibles of $250 and $500, and a medical payment limit of $5,000. The cars chosen for the survey are the Toyota Camry LE and Toyota Corolla LE.
The survey shows that senior and married drivers aged 65 years and above incur the cheapest rates. For this cohort, Florida Farm Bureau General Insurance Company offers the cheapest premium at $1,019 and State Farm Mutual Automobile Insurance provides the median rate is offered by State Farm Mutual Automobile Insurance, at $1,934. Next, 25-year-old single women pay the second cheapest premiums. For this cohort, United Services Automobile Association offers the cheapest rate at $1,861 and Geico Indemnity Company provides the median rate of $4,091.
Families with young drivers generally pay the most expensive premiums. For this cohort, Infinity Auto Insurance offers the most expensive price at $37,011 and Progressive American Insurance provides the median price of $8,059.
The following graph compares premium rates across driver cohorts in Hillsborough County, Florida.
The following table compares the car insurance premiums for key cohorts in Hillsborough County, Florida, and the difference between the 75th and 25th percentile in premium rates.
| Cohort | Cheapest car insurance companies in Hillsborough, FL | Most expensive car insurance companies in Hillsborough, FL | Car insurance companies offering median prices in Hillsborough, FL | 25th percentile of car insurance premiums in Hillsborough, FL | 75th percentile of car insurance premiums in Hillsborough, FL | Dollar difference between 25th and 75th percentiles | Dollar difference between 25th and 75th percentiles |
|---|---|---|---|---|---|---|---|
| Senior married drivers | Florida Farm Bureau General Insurance Company ($1,019) | Direct General Insurance Company ($5,366) | State Farm Mutual Automobile Insurance Company ($1,934) | Government Employees Insurance Company ($1,295) | Geico Indemnity Company ($2,948) | $1,653 | 127.64% |
| Families with young drivers | Florida Farm Bureau General Insurance Company ($4,791) | Infinity Auto Insurance Company ($37,011) | Progressive American Insurance Company ($8,059) | USAA General Indemnity Company ($5,891) | Allstate Insurance Company ($15,198) | $9,307 | 157.99% |
| 25-year-old single female drivers | United Services Automobile Association ($1,861) | United Automobile Insurance Company ($8,501) | Geico Indemnity Company ($4,091) | Safeco Insurance Company Of Illinois ($2,910) | LM General Insurance Company ($5,773) | $2,863 | 98.38% |
Factors that can influence the cost of car insurance in Hillsborough County, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Hillsborough County, FL Auto Insurance Rates
- Hillsborough County, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Hillsborough County, FL
- Multi Vehicle Insurance Savings in Hillsborough County, FL
- How Credit Score Affects Car Insurance Rates in Hillsborough County, FL
- How DUI Affects Auto Insurance Premiums in Hillsborough County, FL
- Top Auto Insurance Agents Near Hillsborough County, FL
- How Driving Violations Affect Auto Insurance Rates in Hillsborough County, FL
- Hillsborough County, FL Auto Insurance Discounts on Anti Theft Feature
Hillsborough County, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Hillsborough County, FL with that of other cities in and around Hillsborough County.
| Hillsborough County | Brandon | Bloomingdale | Progress Village | Riverview | Gibsonton | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,439 | $2,153 | $2,207 | $2,117 | $1,512 | $2,134 |
Hillsborough County, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Hillsborough County, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Hillsborough County | $1,536 | $1,297 |
| Progress Village | $1,454 | $1,228 |
| Palm River-Clair Mel | $2,776 | $2,345 |
| Brandon | $1,384 | $1,169 |
| Gibsonton | $940 | $794 |
| Bloomingdale | $1,453 | $1,228 |
| Palm River-Gibsonton | $998 | $843 |
| Riverview | $1,298 | $1,096 |
Hillsborough County, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Hillsborough County, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,669 |
| 20 Years | $1,849 |
| 30 Years | $1,424 |
| 40 Years | $1,370 |
| 50 Years | $1,269 |
| 60 Years | $1,287 |
| 70 Years | $1,498 |
Hillsborough County, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Hillsborough County, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,533 | $345 |
| 3 Vehicles | $3,799 | $518 |
| 4 Vehicles | $5,065 | $691 |
Savings on 2 Vehicles bundle:$345
Savings on 3 Vehicles bundle:$518
Savings on 4 Vehicles bundle:$691
Hillsborough County, FL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Hillsborough County, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Hillsborough County | $1,439 | $2,252 |
| Progress Village | $2,117 | $3,313 |
| Palm River-Clair Mel | $2,086 | $3,265 |
| Brandon | $2,153 | $3,370 |
| Gibsonton | $2,134 | $3,340 |
| Bloomingdale | $2,207 | $3,454 |
| Palm River-Gibsonton | $2,100 | $3,287 |
| Riverview | $1,512 | $2,366 |
Hillsborough County, FL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,235 |
| Excellent (740-799) | $1,409 |
| Good (670-739) | $1,499 |
| Average (580-669) | $1,956 |
| Poor (300-579) | $2,347 |
Hillsborough County, FL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Most Insurance Agency | Travelers | 801 N ARMENIA AVE, TAMPA, 33609 | (813) 347-5555 |
| Stephen Briggs | Allstate | 611 E Bloomingdale Ave Ste D, Brandon, 33511 | (813) 681-5303 |
| Affinity Insurance | Travelers | 8010 N 56TH STREET, TAMPA, 33617 | 813-989-7844 |
| Lovinger Financial Services Inc | Travelers | 4016 HENDERSON BLVD STE O, TAMPA, 33629 | 813-837-4891 |
| A Kilbride Insurance Inc | Liberty Mutual Independent | 4501 N NEBRASKA AVE, TAMPA, 33603 | (813) 238-7467 |
| Vivian Braaksma | State Farm | 6905 W Waters Ave, Tampa, 33634 | 813-884-2665 |
| Diana Lee Erb Insurance Agency | None | 902 W Lumsden Rd Ste 108, Brandon, 33511 | None |
| Laura Webb Agency Llc | Travelers | 3212 S DALE MABRY HWY, TAMPA, 33629 | 813-887-5531 |
| Tyler Jordan | State Farm | 3650 Erindale Dr, Valrico, 33596-6311 | 813-662-5813 |
Hillsborough County, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$63 | $1,502 |
| Driver's Failure In Showing Documents | +$140 | $1,579 |
| Driving With An Expired Registration | +$148 | $1,587 |
| Driving At A Considerably Slow Pace | +$312 | $1,751 |
| Using A Cellphone While Driving | +$330 | $1,769 |
| Running A Red Light | +$335 | $1,774 |
| Speeding | +$353 | $1,792 |
| Driving A Vehicle Without The Required Permission | +$448 | $1,887 |
| Driving With An Expired/Suspended License | +$970 | $2,409 |
Hillsborough County, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,381 |
| Active Disabling Device | $1,381 |
| Tracking Device | $1,353 |
| Passive Disabling Device | $1,338 |