Tampa Auto Insurance Rates, Quotes, Agents & Reviews in FL

Tampa, FL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Tampa, 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.

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The Cost of Insuring Your Car in Tampa, FL, is $2,163

Tampa is a major city located on the West Coast of Florida in Hillsborough County. According to the census of 2010, it has a population of around 400,000. The median household income is around $50,000, while the per capita income is $34,000. The average cost of auto insurance in Tampa is $2,163. This is almost the same as the cost of auto insurance in Temple Terrace, Lake Magdalene, and Carrollwood. Several factors affect the cost of auto insurance in this city. Some of them are listed below.



A high deductible leads to a decrease in the cost of auto insurance, while a low deductible leads to an increase. For example, the cost of auto insurance for a low deductible of say $500 is $1,223, while this goes down to $1,033 when the rate of the deductible is $1,000. 

Age of the Driver:

The cost of auto insurance is always high for teenagers. This is mainly because they lack driving experience, and hence the risk undertaken by auto insurance companies is higher. In Tampa, the cost of auto insurance for a teenager is $7,019. This is more than double the rate of auto insurance paid by a 20-year-old in Tampa. Auto insurance in Tampa is the cheapest for 50 and 60-year-old car owners. The cost of auto insurance for the former is $1,907, while it is $1,934 for the latter.


The neighborhood one lives in also determines the cost of auto insurance in Tampa. This depends on factors such as the rate of auto thefts in the neighborhood. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies.

Credit Score:

The credit Score of a driver is another crucial factor in determining the cost of auto insurance in Tampa. Car owners with an exceptional credit score, ranging between 800 and 850, will find auto insurance to be cheaper for them, at $1,856. Car owners with a poor or average credit score will find auto insurance to be much more expensive for them, at $2,941 and $3,528, respectively. 

Factors that can influence the cost of car insurance in Tampa, 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.

Tampa, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Tampa, FL with that of other cities in and around Tampa.

Tampa Lake Magdalene Palm River-Clair Mel Egypt Lake-Leto Carrollwood Temple Terrace
Average Insurance Rates $2,163 $2,204 $2,086 $2,117 $1,197 $2,179

Tampa, 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 Tampa, 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)
Tampa $1,223 $1,033
University $1,941 $1,639
Egypt Lake-Leto $1,621 $1,369
Temple Terrace $1,460 $1,233
East Lake-Orient Park $1,495 $1,262
Lake Magdalene $1,053 $889
Carrollwood $1,753 $1,481
Palm River-Clair Mel $2,776 $2,345

Tampa, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Tampa, 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 $7,019
20 Years $2,779
30 Years $2,141
40 Years $2,060
50 Years $1,907
60 Years $1,934
70 Years $2,251

Tampa, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Tampa, 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 $3,764 $562
3 Vehicles $5,645 $844
4 Vehicles $7,527 $1,125

Savings on 2 Vehicles bundle:$562

Savings on 3 Vehicles bundle:$844

Savings on 4 Vehicles bundle:$1,125

Tampa, 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 Tampa, FL.

Location Average Insurance Cost Post DUI Insurance Rate
Tampa $2,163 $3,385
University $1,974 $3,089
Egypt Lake-Leto $2,117 $3,313
Temple Terrace $2,179 $3,410
East Lake-Orient Park $2,074 $3,246
Lake Magdalene $2,204 $3,449
Carrollwood $1,197 $1,873
Palm River-Clair Mel $2,086 $3,265

Tampa, 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) $1,856
Excellent (740-799) $2,118
Good (670-739) $2,254
Average (580-669) $2,941
Poor (300-579) $3,528

Tampa, 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
The Insurance Store Travelers 5119 MEMORIAL HWY, TAMPA, 33634 813-885-4440
Pamela Patterson State Farm 6903 Gunn Highway, Tampa, 33625-3817 813-792-8449
Ryan Toombs Allstate 4551 Gunn Hwy, Tampa, 33624 (813) 963-0596
Brown & Brown Of Florida Inc Liberty Mutual Independent 655 N FRANKLIN ST STE 1900, TAMPA, 33602 (813) 226-1300
Pnr & Associates, Inc. Dba Mesa Insurance Agency None 7248 N Dale Mabry Hwy, Ste A , Tampa, 33614 None
Real Insurors Inc None 5005 W Laurel St Ste 209, Tampa, 33607 None
Shining Star Insurance Services, Llc None 8870 N Himes Ave 8870 N Himes Ave Tampa, Tampa, 33614 None
Morrow Insurance Group Liberty Mutual Independent 18936 N DALE MABRY HWY, TAMPA, 33548 813-963-1669
John Adcock Insurance Agency, Inc. None 313 W Fletcher , Tampa, 33612 None
Mike Foley State Farm 3704 Swann Avenue, Tampa, 33609-4522 813-289-7888

Tampa, 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 +$95 $2,258
Driver's Failure In Showing Documents +$210 $2,373
Driving With An Expired Registration +$223 $2,386
Driving At A Considerably Slow Pace +$469 $2,632
Using A Cellphone While Driving +$495 $2,658
Running A Red Light +$504 $2,667
Speeding +$530 $2,693
Driving A Vehicle Without The Required Permission +$673 $2,836
Driving With An Expired/Suspended License +$1,458 $3,621

Tampa, 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 $2,076
Active Disabling Device $2,076
Tracking Device $2,033
Passive Disabling Device $2,012

Latest Auto Insurance Reviews in Tampa, FL | Back to Top

their deductible were very competitive and their service has been very good. As always it would be nice to have a lower deductible.
I would gladly recommend them because they have prompt, reliable customer service and their rates are lower than what you'll find elsewhere for the same coverage.
I have filed a couple claims for damage that was created at the fault of others and my experience was great.
Geico has sufficient costumer service. All agents have helped and answered my questions in a timely manner and are knowledgeable.
Farmer's Insurance
We signed up with this company as we were broke and it was the cheapest policy.
I think my car insurance company is right up there with what is offered by other insurance companies. I don't see any differences really. A lot of people I know have Geico and they are very happy.
The customer service has not been the best overall. Hopefully I wont have anymore bad experiences and this rating will improve, but for not its only been ok.
I dislike the required coverages that they had us add for our state- these increased our premium and seemed unnecessary. However, this was just in accordance with state laws.
The auto insurance company had a good price compare to another companies. Its affordable
The Hartford
Most policy concerns can be performed using website or phone apps. Claims have been addressed promptly and in a fair manner with concern for the individual equally with property damage. Local representatives available for policy concerns.
I am completely satisfied i feel i can either call the insurance company main line or the local office i go to and they will help me resolve any problems i may be having
overall I feel like they overcharge for certain things and I feel like they might take advantage of veterans but that may just be my bias because I have never looked at other prices
United Automobile Insurance
It's the cheapest insurance that I could find so I went with it. When my financial situation gets better I definitely plan on switching.
I contact Geico through their online website. They have always answered my questions in a timely fashion. They have been very nice and I couldn't ask for any better service or speed of answers.
I wish the premium were lower. Other than that, I like everything about them.