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.
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.
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 Rates
- Tampa, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Tampa, FL
- Multi Vehicle Insurance Savings in Tampa, FL
- How Credit Score Affects Car Insurance Rates in Tampa, FL
- How DUI Affects Auto Insurance Premiums in Tampa, FL
- Top Auto Insurance Agents Near Tampa, FL
- How Driving Violations Affect Auto Insurance Rates in Tampa, FL
- Tampa, FL Auto Insurance Discounts on Anti Theft Feature
- Tampa, FL Auto Insurance Company Reviews
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)|
|East Lake-Orient Park||$1,495||$1,262|
|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|
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|
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|
|East Lake-Orient Park||$2,074||$3,246|
|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|
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|
|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|
|Active Disabling Device||$2,076|
|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.
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 RATE PROGRESSIVE A 4 OUT OF 5 BECAUSE OF THE NAME YOUR PRICE OPTION.
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
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
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.