Compare the Cheapest Car Insurance Quotes in Tampa, FL
best car insurance Tampa
2022
The Cheapest and Best Car Insurance in Tampa
The Cheapest Car Insurance Companies in Tampa
MoneyGeek ’ s inquiry shows that the follow companies offer, on average, the cheapest full coverage car policies in tampa :
- GEICO: $1,649 per year
- State Farm: $2,230 per year
For drivers with a military background, USAA is the cheapest party in Tampa ; it offers a full moon coverage policy at an average cost of $ 987 per class. In Tampa, GEICO offers the most low-cost full coverage policy, which costs an modal of $ 1,424 less than a full coverage policy from Mercury, the most expensive company in the city. A full coverage policy includes comprehensive and collision indemnity ; however, your rate may change depending on the sum of liability coverage .
Cheapest Car Insurance in Tampa
Full Coverage 100/300/100
- company 100/300/100
per year
- 1 .USAA
$987
- 2 .GEICO
$1,649
- 3 .State Farm
$2,230
- 4 .MetLife
$2,384
- 5 .Travelers
$2,468
- 6. Allied
$2,727
- 7 .Allstate
$2,835
- 8 .Progressive
$3,001
- 9 .Mercury
$3,073
For this analysis, MoneyGeek collected average quotes for a 40-year-old male driver with a full coverage policy in Tampa, as defined in the methodology. A full coverage policy policy normally costs more than a policy that meets the state ’ randomness minimum coverage because it includes comprehensive and collision policy, which covers the monetary value of vehicle damage in case of an accident .
- Comprehensive Coverage: It helps you pay for the repair of your vehicle if it’s stolen or damaged in an incident.
- Collision Coverage: It covers the cost of vehicle damage in case of an at-fault accident.
If you have an old car, a full coverage policy may not be the best option for you as you may pay more than the actual value of your car. rather, you should opt for a state-minimum coverage or liability-only indemnity policy to get the cheapest rates. Loading …
Cheapest Car Insurance in Tampa for Minimum Coverage
For the cheapest car indemnity policy in Tampa, buying the minimal coverage is the best option for you. MoneyGeek ’ south analysis shows that the most low-cost companies for minimal coverage car policies in Tampa are :
- GEICO: $716 per year on average
- Travelers: $1,205 per year on average
For active military or veterans, USAA offers the cheapest state of matter minimum policy at an average annual cost of $ 438. In Tampa, the cheapest supplier for minimal coverage is GEICO, which costs $ 970 less than Progressive, with the most expensive policy at an modal monetary value of $ 1,686 per year. A minimum coverage policy may be the most low-cost ; however, it does not include collision and comprehensive coverage. With this policy, you are not in full covered in case of an accident. Have a count at the board below to see how much more liability coverage costs .
Cheapest Minimum Liability Car Insurance in Tampa
state Minimum
- company State Minimum
per year
- 1 .USAA
$438
- 2 .GEICO
$716
- 3 .Travelers
$1,205
- 4. Allied
$1,232
- 5 .Allstate
$1,238
- 6 .State Farm
$1,320
- 7 .MetLife
$1,421
- 8 .Mercury
$1,486
- 9 .Progressive
$1,686
Florida requires drivers to have a state of matter minimum car policy policy with at least $ 10,000 for personal injury protective covering coverage and $ 10,000 for property damage indebtedness coverage. That is the cheapest car insurance option in Tampa ; however, you risk having to pay much more of your own money in case of an accident. For case, if checkup bills after an accident are $ 20,000, this indemnity policy would cover up to $ 10,000. You would have to pay the remaining come yourself .
Florida Minimum Liability Requirements
- token description
- property wrong $ 10,000 for place damage. A more protective grade is 100/300/100 .
- personal Injury Protection $ 10,000 per person .
Cheapest Car Insurance in Tampa if You Have Driving Violations
Driving violations such as speeding tickets, DUIs and at-fault accidents have a significant shock on the monetary value of cable car insurance in Tampa. Depending on your irreverence, MoneyGeek found the watch cheap policy companies in Tampa :
- Cheapest after a ticket: State Farm, $2,413 per year
- Cheapest after an at-fault accident: GEICO, $2,274 per year
- Cheapest after a DUI: State Farm, $2,413 per year
For drivers with a military background, USAA offers the cheapest policies with a speed ticket, DUI or an at-fault accident on their drive commemorate. If you have a poor driving record in Tampa, you can get cheaper policy as your phonograph record improves. however, in the interim, you can shop around to find the best deals on car indemnity .
Cheapest Car Insurance in Tampa With a Violation
Speeding ticket
- company Speeding Ticket
per year
- 1 .USAA
$1,090
- 2 .State Farm
$2,413
- 3 .MetLife
$2,807
- 4 .Allstate
$2,835
- 5 .GEICO
$2,874
- 6 .Travelers
$3,464
- 7. Allied
$3,526
- 8 .Progressive
$4,317
- 9 .Mercury
$4,512
Average Cost of Car Insurance in Tampa
Tampa
$2,546
Florida
$2,208
U.S.
$1,424
annual car insurance costs are quite expensive in Tampa. The average annual rate is $ 2,546, which is about 15.3 % more than the Florida average and around 78.8 % higher than the U.S. average.
Personalized Quotes to Get You the Cheapest Car Insurance in Tampa
car indemnity providers consider a wide range of elements to decide cable car indemnity quotes and to analyze the hazard factors associated with each driver. These aspects include your gender and age, car make and model, policy coverage level and more. In Tampa, GEICO ’ mho coverage for an 18-year-old driver is more than twice adenine expensive as its policy for a 40-year-old driver. therefore, it ’ s an healthy move to get cut quotes regularly to find low-cost coverage that takes into consideration your changing circumstances. Loading …
The Best Car Insurance Companies in Tampa
For drivers in Tampa who want to strike a balance between quality service and affordability, MoneyGeek ranked the best car policy companies. The research found the best car policy companies in Tampa for most drivers are :
- Esurance: MoneyGeek score of 95 out of 100
- GEICO: MoneyGeek score of 85 out of 100
USAA received the highest score in Tampa with MoneyGeek ‘s evaluation system and is the best choice for eligible military members, veterans and their families. To calculate the concluding score out of 100, MoneyGeek considered several factors, including J.D. Power ’ s user gratification, fiscal stability and affordability .
1
USAA
score :
100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2
Esurance
score :
95
5/5 Affordability 4/5 Claims Ratings
5/5 User Satisfaction A+ fiscal constancy 3
GEICO
grade :
85
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 4
Travelers
mark :
85
3/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A++ fiscal constancy 5
MetLife
score :
82.5
3/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 6
Hartford
score :
82.5
2/5 Affordability 5/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 7
Liberty Mutual
score :
80
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 8
Auto-Owners Insurance Co
score :
80
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A++ fiscal constancy 9
State Farm
score :
77.5
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A- fiscal stability 10
Nationwide
score :
77.5
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 11
Progressive
grudge :
75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 12
Safeco
score :
75
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal stability
Average Cost of Car Insurance by Postal Code
Localities that experience higher rates of accidents, car thefts and uninsured drivers are more expensive in terms of car policy premiums. In Tampa, residents of the 33647 ZIP code will pay an average of $ 508 less in annual policy premiums compared to people who live in ZIP code 33614 .
- Zip Code State Minimum
per year
- 33647
$2,251
- 33615
$2,629
- 33614
$2,758
Factors That Impact Insurance Costs in Tampa
In addition to individual driver needs and history, location-specific factors like personal injury protective covering coverage requirements and the percentage of uninsured motorists besides contribute to car insurance rates in Tampa. How Tampa ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs .
Most Accidents With Fatalities
49th
/ 300
Most car Thefts
14th
/ 300
Most uninsured Motorists by State
1st
/ 50
personal Injury Protection Required Yes
Most annual rain
64th
/ 300
Most showery Days
137th
/ 300
Methodology and Assumptions
MoneyGeek ’ sulfur average agio rates for Tampa are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, placement and driving read. Learn more about MoneyGeek ’ randomness data and methodology here. About the writer
Read more: Best car insurance companies for 2022
Mark Fitzpatrick is a senior capacity director with MoneyGeek specializing in insurance. Mark has years of have analyzing the insurance market and creating master research and contentedness. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a overcome of Arts .