here you ’ ll learn everything you need to know to buy the best car indemnity policy in Tampa for your particular situation. You ’ ll see which carriers are rated as the best car insurance companies for customer gratification and what the average cable car policy rates are for your neighborhood. You ’ ll besides discover how much you can save from knowing how to make chic choices about coverage. And, find out how rates for Tampa drivers are affected by tickets, accidents and adding adolescent drivers. Key Highlights
- USAA Gen Ind Co has the cheapest car insurance rates in Tampa, based on CarInsurance.com’s rate analysis for three different coverage levels.
- In Florida comprehensive costs $188 and collision costs $523, on an average per year, according to a rate data analysis done by CarInsurance.com.
- For state minimum coverage, the average cost in Tampa is $1,116 .
- You can save an average of $2,855 a year on a full coverage policy in Tampa by comparing price quotes from different car insurance companies.
- If you get a speeding ticket in Tampa, your car insurance rates will go up by an average of 25%, or about $757 yearly.
Who Has The Best Car Insurance in Tampa, FL?
Deciding who has the best cable car indemnity to suit your needs depends on what is most crucial to you. For some it may be price, while others may respect customer service the most. still others may be looking for the convenience of mobile apps, or a company that offers the most car indemnity discounts. Below we list car policy companies in Tampa, and who they are the best at serving, based on CarInsurance.com ’ s customer satisfaction survey of current policy holders and pace data analysis .
| Best for | Company |
|---|---|
| Claims | Progressive |
| Value/Price | Mercury |
| Customer Service | Safeco |
| Websites/Apps | Mercury |
| Recommend | Mercury |
| Low Annual Mileage | State Farm Mutual Auto |
| 7+ Days Advanced Purchase | Allstate F&C |
| Bundle | Allstate F&C |
| Paid in Full | Allstate F&C |
How Much Car Insurance do I Need in Tampa, FL?
Below we ’ ll explain what coverage you need to drive legally, which is your country required minimal liability limits, and what types of cable car insurance you may need to be truly protected .
Minimum Car Insurance Requirements in Tampa, FL
Florida car indemnity laws require entirely that you insure yourself against bodily injury and property damage liability, so it ’ s your choice whether to add coverage for yourself, your passengers, and your vehicle. If you have a newer model car, it makes sense to get comprehensive examination indemnity and collision coverage. In Florida, comprehensive costs $ 188 and collision costs $ 523, on an average per class, according to a rate data analysis done by CarInsurance.com. These optional coverages come with a deductible. That ’ s the sum you pay before your insurance company pays. typical deductibles amounts are $ 1,000, $ 500 and $ 250 – you choose which one you want. The higher the deductible is, the lower your rate will be. The best cable car policy coverage normally international relations and security network ’ t the cheapest. You may be used if you ’ re in an accident and your insurance doesn ’ triiodothyronine cover all of the damages. That means your home or savings could be in hazard. To protect your assets, you should buy liability insurance in the following amounts:
- $100,000 to pay for others’ medical bills
- $300,000 to pay for injuries to others in an accident you cause
- $100,000 to pay for damage to others’ property
You should also consider buying these optional coverages:
- Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
- Collision, which pays for damage to your car from accidents.
Compare Car Insurance Quotes in Tampa, FL & Save Money
You can save an average of $2,855 per annum on a full coverage policy in Tampa by comparing cable car policy quotes, according to CarInsurance.com ‘s rate analysis. While savings will depend on your detail circumstances, this shows that there is a significant benefit to shopping your policy .
Tampa, FL Car Insurance FAQ’s
How much does insurance go up after a speeding ticket in Tampa, FL?
A speed ticket in Tampa will hike your car policy rates by an average of 25 %, or about $ 757 annual. CarInsurance.com ’ second rate analysis shows how much more drivers in Tampa can expect to pay, on modal, for travel rapidly and other common violations. minor traffic violations, such as accelerate, typically stay on your record for about three years, and you can expect to see the rate addition upon your policy refilling date. More severe infractions, such as DUI, typically stay on your commemorate much longer.
Tampa drivers can expect to see a hike in their rates in the range of 7 % for minor moving violations such as tailgating or blowing through a stop bless, 64 % for more hard infractions such as DUI. Below you ’ ll see how much rates increase, on modal, for common traffic violations. Remember, though, that because policy companies assess hazard differently, you can inactive save by comparison denounce, because one aircraft carrier may ding you a lot for a citation, while another may spike your rate by much less .
| Violation | Average rate | Rate after violation | $ Increase | % Increase |
|---|---|---|---|---|
| DUI/DWI third offense | $3,062 | $8,742 | $5,681 | 186% |
| DUI/DWI second offense | $3,062 | $6,738 | $3,677 | 120% |
| Reckless driving | $3,062 | $5,023 | $1,961 | 64% |
| DUI/DWI first offense | $3,062 | $4,899 | $1,838 | 60% |
| Operating a vehicle in a race (highway racing) | $3,062 | $4,847 | $1,786 | 58% |
| 2 speeding tickets 11 mph or over | $3,062 | $4,440 | $1,379 | 45% |
| Careless driving | $3,062 | $4,127 | $1,066 | 35% |
| Improper/illegal pass | $3,062 | $3,831 | $770 | 25% |
| Improper turn | $3,062 | $3,831 | $770 | 25% |
| Failure to yield | $3,062 | $3,831 | $770 | 25% |
| Failure to stop | $3,062 | $3,831 | $770 | 25% |
| Distracted driving ticket | $3,062 | $3,831 | $770 | 25% |
| Following too closely | $3,062 | $3,804 | $743 | 24% |
| Texting ticket | $3,062 | $3,732 | $671 | 22% |
| Talking on cellphone ticket | $3,062 | $3,732 | $671 | 22% |
| Driving without insurance | $3,062 | $3,278 | $216 | 7% |
| Driving without a license or permit | $3,062 | $3,278 | $216 | 7% |
| Seatbelt infraction | $3,062 | $3,089 | $27 | 1% |
An accident will increase cable car insurance rates by 31 % to 35 %, on average, for drivers in Tampa. When you file a claim for an accident that ‘s your fault, typically your car insurance rates will increase. however, claims under your comprehensive examination coverage, if you have it as it ’ sulfur optional, typically won ’ t trigger an addition. That ’ south because comprehensive claims are for damage insurers consider to be beyond your control, for exemplify due to hail, open fire, deluge, falling objects or collisions with an animal. The table below shows how much for drivers in Tampa can expect to pay for common car policy claims .
| Accident | Average Rate | Rate after claim | $ Increase | % Increase |
|---|---|---|---|---|
| 2 At-fault property damage accident over $2k | $3,062 | $5,943 | $2,882 | 94% |
| At-fault bodily injury accident | $3,062 | $4,146 | $1,084 | 35% |
| 1 At-fault property damage accident under $2K | $3,062 | $4,025 | $963 | 31% |
| 1 At-fault property damage accident over $2K | $3,062 | $4,025 | $963 | 31% |
In Tampa, adding a 16-year-old daughter to your policy will hike your rates by $ 2,845 annually, or 93 % It ‘s more for boys. Insuring your 16-year-old son will increase your annually pace by $ 3,854, or 126 % according to CarInsurance.com rate data. adolescent drivers are inexperienced, and are involved in more accidents than older drivers, according to union research, and policy companies categorize them as bad drivers, so they cost more to insure. If you ‘re insuring a adolescent driver of any senesce, you can get expert tips, more rate data by age and details from our “ Parents guide to insuring a adolescent driver. ”
CarInsurance.com data show that for drivers in Tampa, your rate will go up by an average of $ 2,068 or 68 %. If you ‘re convicted of a unplayful offense, such as DUI or foolhardy drive, you may be required to have your insurance company file an SR-22 kind on your behalf. An SR-22 is a car policy company ’ randomness guarantee to the submit that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your cable car policy rates will increase .
Tampa commuters
According to the U.S. Census, the average drive time between 2013-2017 for Tampa workers 16 and older to their problem was 24 minutes, which is a bit shorter than the national average of 25.5. The average time calculated by the Census includes prison term spend waiting for public transportation, picking up passengers in carpools, and clock spent on other activities related to getting to work. A study issued by Data USA showed Tampa commuters in 2017 logged in an average fourth dimension of 22.8 minutes. That was besides lower than the national average. Additional data compiled by Data USA in that lapp class found that 1.66 % of the work force in Tampa are “ superintendent commuters, ” meaning they drive an excess of 90 minutes to their job. Of the commuters:
- Drive alone: 77.2%
- Carpool: 8.94%
- Worked at home: 7.48%
Vehicle ownership
Compared nationally, Tampa households ( about 147,250 ) are within the average scope for car ownership. The largest partake of households in the city has two cars, followed by one car, according to late statistics from Data USA. Less than 5 % of households have five cars or more.
Read more: Cheap Auto Insurance – Douglasville, Georgia
Tampa traffic signs
There are approximately 85,000 dealings signs within the city of Tampa. According to a reputation, the city said it strives to inspect and possibly replace roughly 8,500 of these per year ( which is 700 per calendar month ). “ They are inspected on a everyday basis and replaced if found to be damaged, vandalized or leaf covered, ” according to the reputation. “ This is done to ensure that dealings signs have good reflective qualities for night tug. ”
Motor vehicle crashes
Tampa is contribution of Hillsborough County, which saw 29,037 crashes in 2018, according to a report issued by the Florida Highway Safety and Motor Vehicles ( FLHSMV ). The Sheriff ‘s Department investigated 34.79 % of these crashes, while the police department investigated 38.26 % and the Florida Highway Patrol 26.91 %. Hillsborough County crashes between Jan. 1 through Dec. 31, 2018:
- Fatalities from all crashes: 182
- Injuries from all crashes: 20,112
- Fatal crashes: 175
- Injury crashes: 13,185
- Bicycle crashes: 519
- Bicycle fatalities: 10
- Motorcycle crashes: 656
- Motorcycle fatalities: 30
- Pedestrian crashes: 624
- Pedestrian fatalities: 54
- Hit and run crashes: 6,401
- Hit and run fatalities: 15
- Hit and run injuries: 1,615
DUIs
The numeral of DUI arrests in Tampa has fluctuated, sometimes greatly, over the past ten. According to crime statistics provided by the Police Department for the city of Tampa, the greatest number of arrests for DUI took put in 2007, when there were 2,773 DUI citations, with the lowest in 2012, when there were 1,912. DUI arrest citations issued by the Tampa Police Department:
- 2018 – 1,332
- 2017 – 1,613
- 2016 – 2,087
- 2015 – 1,568
- 2014 – 2,104
- 2013 – 1,947
- 2012 – 1,912
- 2011 – 2,045
- 2010 – 2,222
- 2009 – 2,415
- 2008 – 2,217
- 2007 – 2,773
- 2006 – 2,444
- 2005 – 2,786
- 2004 – 2,639
- 2003 – 2,045
- 2002 – 2,156
There were 466 alcohol-confirmed crashes in Hillsborough County ( of which Tampa is character ) in 2017, showing a 14.65 % decrease from the former year, according to a composition from the Florida Department of Highway Safety and Motor Vehicles. Of those, 15 were fatal and 295 cause injuries. besides in 2017, there were 59 drug-related crashes, with 31 deaths and 41 injuries. Crashes involving both drugs and alcohol totaled 19, with seven of them fatal and 26 causing wound. There was a more than 50 % startle between 2016 and 2017 in drug-and-alcohol combination accidents with injuries .
Tampa congestion
Compared to other Florida cities, Tampa is no Miami when it comes to congested traffic. Miami was the 12th slot in 2018 on the “ most congested urban areas in the U.S. ” list, and came in at number 73 in the universe. It ’ s not quite as regretful for Tampa, which came in at number 17 on that lapp annual report compiled by INRIX on the “ most congested urban areas in the U.S. ” list. Tampa came in at 107th in the “ earth ‘s most congested cities for the 2018 ” traffic card. The country ‘s list is topped by Boston, Washington, DC, Chicago, New York City and Los Angeles. In 2018, Tampa drivers lost up to $ 1,216 each per year due to congestion, as compared to topper Boston, which lost astir to $ 2,291. According to the study, Tampa drivers spend 87 hours stuck in congestion per year with an modal 13 miles per hour during the concluding inner-city nautical mile of change of location. GPS giant TomTom releases an annual traffic exponent, ranking the most congested cities by area and the populace. With a 23 % congestion level, Tampa landed at number 25 in North America in a 2018 list that was topped by Mexico City, Los Angeles, Vancouver and New York, and showed no exchange from 2017. Tampa ranked as the number 207 most traffic-congested by world ‘s standards on the TomTom list .
Pedestrian fatalities
The Tampa Bay area continues to top the charts in pedestrian deaths, as does the state it ‘s in ; Florida, according to a report from Smart Growth America. The report found that eight of the top 10 worst metro areas for walkers are in Florida. This report from Smart Growth called “ dangerous By Design ” ranks states and metropolitan areas around the area using what it calls a “ pedestrian Danger Index ” or PDI. This index measures how deadly it is for people to walk based on the count of people struck and killed by drivers while walking. The 2019 edition of Dangerous by Design includes traffic deaths that occurred between 2008 and 2017 from the Fatality Analysis Reporting System ( FARS ), a national database of all fatal traffic crashes. In 2019, the Tampa Bay area ranked ninth in the PDI, with 900 pedestrian deaths in the area from 2007 to 2017. That translates into 3.07 deaths per 100,000 people during that time couple, giving it a 204.7 on the “ danger index. ” Three other Florida metro areas top this list .
Bicycle deaths in Tampa
During National Bike Safety month, which is May, AAA released its findings that Florida has the most bicycle deaths in the United States. The latest figures from the National Highway Traffic Safety Administration shows that 783 bicycle cyclists were killed in the U.S. in 2017 and 125 ( 16 % ) of those deaths were in Florida. And within Florida, the Tampa Bay sphere is considered the deadly for those on bikes, according to a report from the Wall Street Journal. In the 2018 report, the Tampa-St. Petersburg sphere, Jacksonville, Orlando and Miami mark the first base four spots on the deadliest metro areas list. The Tampa-St. Petersburg metro area has a rate of seven deaths per 100,000 people .
Tampa’s most dangerous roads
Based on assorted reporting systems and data, the Law Offices of Michael R. Herron recently put together a list and descriptions of the most dangerous roadways in and around Tampa Bay and Clearwater .
- Interstate 4 – This highway is the thoroughfare between Daytona Beach and Tampa. According to data analysis by EverQuote, Interstate 4 is the deadliest interstate in America.
- Brandon Boulevard – From Falkenburg Road to approximately the intersection of Dover Road, you’ll find the most crash-worthy section of roadway in Tampa. According to “Vision Zero” a campaign for safer driving, this seven-mile stretch has an average of 25 crashes per mile.
- Gibsonton Drive – From Boyette Road and Interstate 75 to Balm Riverview Road, this roadway tends to be the most dangerous for those on motorcycles or who make left turns. Visual obstructions, high speeds and aggressive driving have been linked to this area in particular.
- Hillsborough Avenue – This stretch of road that runs to Longboat Boulevard and Florida Avenue has been linked to 19.8 crashes per mile.
- Fletcher Avenue – From Armenia Avenue to 50th Street, this area is known for more pedestrian-related accidents due to new crosswalks that aren’t ideal.
- Dale Mabry Highway – In the section between Hillsborough Avenue to Bearss Avenue, you’ll find pedestrian issues, lack of bike lanes and a lot of turning crash incidents.
Most dangerous intersections in Tampa
In fall 2018, an militant group formed to improve traffic congestion in Hillsborough County, called All for Transportation, released its 10 most dangerous intersections list. The list, researched and confirmed in a report by 10News, found that the most dangerous intersection is Sheldon Road and West Waters Avenue, where 107 crashes had occurred at the intersection between May 1, 2017, and Aug. 31, 2018. The top 10 most dangerous intersections in Hillsborough County, according to All for Transportation and 10News :
- Sheldon Road and Waters Avenue West, Tampa
- Anderson Road and Waters Avenue West, Tampa
- Waters Avenue West and Hanley Road, Town ‘N’ Country
- Hillsborough Avenue and Sheldon Road, Town ‘N’ Country
- US 301 and Gibsonton Drive, Riverview
- Waters Ave West and Himes Avenue N, Tampa
- US 301 and Big Bend Road, Riverview
- Bruce B Downs Blvd and Fletcher Avenue East, Tampa
- Bloomingdale Avenue and Bell Shoals Road, Brandon
- Bloomingdale Avenue and Providence Road, Riverview
Vision Zero initiative
Joining hundreds of major cities across the nation, Hillsborough County in 2016 and 2017 became a vision Zero area with the mission of finally ending all dealings injuries and fatalities. A group of national organizations in 2014 primitively adapted Vision Zero, which was developed in Sweden, to establish a home strategy on highway safety referred to as Toward Zero Deaths ( TZD ). It focuses on data-driven topics such as safe drivers, safer passengers, safer users, enhanced medical services, safer infrastructure and dependable vehicles. “ At the core of the worldwide Vision Zero movement is the belief that end and injury on city streets is preventable – in other words, that traffic crashes are n’t accidents but are the result of poor behavior combined with grim roadway designs. ” A Vision Zero policy establishes a finish of reducing traffic fatalities and good injuries to zero, typically by a target go steady, which has not been announced for the Hillsborough County plan as of however. The Hillsborough County Vision Zero goal resolution was adopted by the Tampa City Council, Hillsborough County Commission, Temple Terrace City Council, Plant City Commission and by the School Board of Hillsborough County .
Tampa distracted driver law
The Florida texting and driving law changed as of July 1, 2019, when texting while driving became a primary crime, which means you can be pulled over by law enforcement and fined for texting and driving in Miami or anywhere else in the state. Fines and penalties of the new Florida texting law:
- Texting – first offense drivers fined $30 and no points will be assessed to their driving record
- Texting – Second texting and driving offense within five years will be considered a moving violation and carry a $60 fine and 3 points on your driving record
- Texting in a school zone – two points added to the primary offense
- Texting that results in a crash – six points added to the primary offense
Patching potholes in Tampa
There are approximately 7,000 potholes patched each year on the streets of Tampa, according to a city report. “ The city ‘s performance standard is to repair potholes nobelium longer than three commercial enterprise days after telling, ” according to the report card. “ This exploit is done to enhance driving guard and reduce personal property damage. ” According to a chart detailing pothole repairs from Nov. 2018 to Nov. 2019, there were no fewer than 300 potholes repaired in any given calendar month. March of 2019 saw the most pothole repairs, when it climbed to more than 1,000 in that month .
Licensed to drive
As of Jan. 1, 2019, there were 1,086,946 people licensed to drive in Hillsborough County. Of those, 549,294 are female and 537,652 are male .
Guide to car insurance (with rates) in cities of Florida
Miami $ 1,999/yearPensacola $ 1,929/yearOrlando $ 2,144/yearJacksonville $ 2,105/yearTallahassee $ 1,846/year
Hialeah $ 2,782/year