GEICO offers the cheapest auto insurance quotes in Tampa, Florida, based on our survey of the city’s top providers.
GEICO has Tampa’s cheapest minimum-coverage car insurance rates at $94 a month, on average. It also offers the cheapest full-coverage policies in the city at $168 a month.
Key findings:
- Cheapest company for minimum coverage: GEICO
- Cheapest for full coverage: GEICO
- Cheapest with a DUI or speeding ticket: State Farm
- Cheapest with an accident: GEICO
- Cheapest for teens and seniors: GEICO
State Farm is a great source of cheap car insurance for Tampa drivers, too, especially if they have violations like DUIs or tickets on their records.
In this article
- Who has the cheapest Tampa, Florida, car insurance?
- How much is car insurance in Tampa, on average?
- What is the cheapest car insurance in Tampa for DUIs, accidents and tickets?
- What is the cheapest teen car insurance in Tampa?
- What is the cheapest senior car insurance in Tampa?
- What are the car insurance requirements in Tampa?
Who has the cheapest car insurance in Tampa, Florida?
GEICO charges the cheapest car insurance rates in Tampa at $94 a month for minimum coverage. State Farm isn’t too far behind, though, with its low average rate of $169 a month.
| Company | Monthly rate |
|---|---|
| GEICO | $94 |
| State Farm | $169 |
| Progressive | $273 |
| Allstate | $432 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Minimum-coverage car insurance meets the state’s requirements for liability coverage. Liability coverage helps pay for injuries and property damage you cause to others. It doesn’t cover your own medical or repair bills.
GEICO also has the cheapest car insurance rates in Tampa for full coverage at $168 a month. Consider State Farm, too, while shopping for a policy here, as its average full-coverage car insurance rate is $264 a month. That’s higher than GEICO’s average rate but still quite a bit cheaper than the city average of $406 for this amount of coverage.
| Company | Monthly rate |
|---|---|
| GEICO | $168 |
| State Farm | $264 |
| Progressive | $442 |
| Allstate | $752 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Full-coverage car insurance usually includes collision and comprehensive coverages as well as liability. No state requires full-coverage insurance, but many lenders and lessors do. Even if that’s not the case, you should still consider getting full coverage if your vehicle is new or expensive.
Whether you buy minimum or full coverage, to get your best price on a policy you need to compare auto insurance rates from several companies.
What is the average cost of car insurance in Tampa?
The average cost of car insurance in Tampa, Florida, is $242 a month for minimum-coverage policies. For full-coverage car insurance, the average cost is $406 a month.
This means car insurance in Tampa costs more, on average, than it does both statewide and nationwide. Minimum-coverage car insurance in Tampa costs $23 more a month than the Florida average of $219 a month, for example, and $156 more than the U.S. average of $86 a month. Full-coverage car insurance in Tampa costs $59 a month more than the Florida average of $347 a month, and $230 a month more than the U.S. average of $176 a month.
Is car insurance expensive in Tampa?
Car insurance in Tampa is more expensive than it is in many other U.S. cities. For example, Tampa drivers pay $242 a month, on average, for minimum-coverage car insurance, while their counterparts in New York City pay an average of $208 a month. Tampa drivers pay even more for full-coverage policies: $406 a month compared to New York City’s $361.
Why is car insurance expensive in Tampa?
Car insurance is so expensive in Tampa for several reasons, including Florida’s no-fault insurance laws, the state’s high number of uninsured drivers and the likelihood of extreme weather.
Compare rates from top car insurance companies in Tampa
Who has the cheapest car insurance in Tampa for drivers with violations?
State Farm is the cheapest car insurance company in Tampa if you have a DUI or speeding ticket on your driving record. GEICO is the city’s cheapest auto insurer if you have an accident on your record.
| Company | Monthly rate |
|---|---|
| State Farm | $287 |
| GEICO | $327 |
| Progressive | $539 |
| Allstate | $953 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
State Farm charges Tampa drivers with a DUI on their records $287 a month for full-coverage car insurance, by far the cheapest average premium in the city. GEICO’s average premium of $327 a month is cheap enough to warrant consideration, too, so don’t ignore it while shopping for car insurance in The Big Guava.
| Company | Monthly rate |
|---|---|
| GEICO | $255 |
| State Farm | $311 |
| Progressive | $700 |
| Allstate | $1,198 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Tampa drivers with an accident on their records pay $255 a month for car insurance from GEICO, the cheapest average rate in the city for such motorists. State Farm’s average rate of $311 a month is close enough to be a good alternate option.
| Company | Monthly rate |
|---|---|
| State Farm | $287 |
| GEICO | $316 |
| Progressive | $656 |
| Allstate | $752 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
State Farm has the cheapest car insurance in Tampa for drivers with a speeding ticket, too, at an average of $287 a month. GEICO also offers a cheap average rate of $316 a month. Get and compare rates from both companies if you want the lowest price for a full-coverage policy in this situation.
Who has the cheapest car insurance in Tampa for teen drivers?
Teen drivers in Tampa looking for the city’s cheapest car insurance should start by getting a quote from GEICO. The company’s average rate of $259 a month for minimum-coverage car insurance is the lowest by quite a margin.
| Company | Monthly rate |
|---|---|
| GEICO | $259 |
| State Farm | $438 |
| Progressive | $682 |
| Allstate | $912 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
GEICO has the cheapest car insurance for Tampa teens who want full-coverage car insurance, too, charging $522 a month, on average. While a bit more expensive at $770 a month, State Farm’s average rate is still worth considering. Depending on various factors, State Farm could be your best option for full coverage as a teen driver in Tampa.
| Company | Monthly rate |
|---|---|
| GEICO | $522 |
| State Farm | $770 |
| Progressive | $1,289 |
| Allstate | $2,272 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Tampa teens pay a lot more for car insurance than what an average adult pays. More than twice as much, in fact. The reason: insurance companies consider teens a higher risk than older drivers. Shopping around and comparing rates from multiple companies can help make up the difference, but only to an extent.
Get cheap car insurance in Tampa regardless of your age
Who has the cheapest car insurance in Tampa for senior drivers?
GEICO is the best source for cheap car insurance in Tampa if you’re a senior, charging $82 a month for minimum coverage, on average.
Compare quotes from State Farm and Progressive as well in this situation. Although we found the average rates of these companies to be higher than GEICO’s at $154 and $234 a month, respectively, they may be the lowest for you.
| Company | Monthly rate |
|---|---|
| GEICO | $82 |
| State Farm | $154 |
| Progressive | $234 |
| Allstate | $385 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Get quotes from GEICO, Star Farm and Progressive if you’re a senior in Tampa and looking for cheap full-coverage car insurance. GEICO’s average rate of $153 a month is the lowest of the bunch in this situation, State Farm’s and Progressive’s average rates aren’t so much higher you should discount them.
| Company | Monthly rate |
|---|---|
| GEICO | $153 |
| State Farm | $242 |
| Progressive | $402 |
| Allstate | $699 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Senior drivers often pay lower rates for car insurance than younger drivers do, thanks in part to the fact that they have a lot of experience behind the wheel.
What are Tampa’s car insurance requirements?
Florida law requires drivers in Tampa and elsewhere in the state to have at least $10,000 in personal injury protection (PIP) coverage and at least $10,000 in property damage liability (PDL) coverage.
PIP covers medical bills and other related costs after an accident, no matter who caused it. PDL covers damage you cause to someone else’s vehicle or property.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Tampa ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Florida’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
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