Best Auto Insurance Rates in Tampa, Florida

Compare Auto Insurance in Tampa

Wednesday, July 18 2018 By Larry Canonica

Tampa, Florida is famous for the beautiful and fun Busch Gardens, and as the place where the Cuban sandwich started. Home to the Buccaneers, the Lightning, and the Rays, Tampa residents are no strangers to championships. Whether you’re a football, hockey, or baseball fan, you should be able to get affordable car insurance rates.

Average Tampa Car Insurance Rates

How much is car insurance in Tampa, FL? The frequency with which Tampa drivers get into accidents has affected local insurance rates. That's why the average cost of insurance coverage in Tampa is so much higher than both the state and national average. The average cost of auto insurance in Florida is $1,185.25 per year. The national average price is $889.01.

Prices will vary depending on your limits, coverage, and the number of claims filed in your zip code.

Florida Average Annual Car Insurance Rates

Coverage	Rates
Liability	$857.64
Collision	$282.96
Comprehensive	$116.53
Total Cost Per Year	$1,185.25
Price Per Month	$98.77
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Florida's insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Florida car insurance rates increased from $1,090 in 2011 to $1,140 in 2015, a jump of $94, or 8.68 percent.

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Tampa, Florida and save up to 40% on your premium.

Last year, 18,705 people used QuoteWizard to compare car insurance quotes in Tampa, FL from multiple companies and get the cheapest rates.

Best Car Insurance Companies in Tampa, FL

This is our list of the most common car insurance companies reported by QuoteWizard users living in Tampa, FL last year.

Other popular Tampa car insurance companies: AAA, Hartford, Travelers, Mercury, Safeco, 21st Century, Country Financial, and Amica.

Top 10 Vehicles in Tampa

These are the most common car makes and models owned by Tampa drivers requesting quotes through QuoteWizard last year.

Minimum Car Insurance Requirements in Tampa, FL

Tampa, Florida has a minimum liability coverage requirement known as the 10/20/10 rule. This means each policy must include at least the following three components:

• Property Damage Liability (PDL): $10,000.
  The maximum that your insurance company will pay for property damage caused by a car accident.
• Personal Injury Protection (PIP): $10,000.
  Also called Florida No Fault Insurance. The most your insurer will pay for injuries sustained in a car accident regardless of who is at fault.

Tampa Drivers

Tampa, Florida drivers could use a lesson or two in safe driving. According to a recent report published by Allstate Insurance, when it comes to safe driving, Tampa drivers are near the bottom half of US cities. Tampa ranked 105th out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 8.5 years, a rate much worse than the national average.

Driving Conditions

Some of the factors that can influence insurance rates are the weather, traffic congestion, and road conditions.

Weather

The weather in Tampa, FL is an interesting mix of both tropical and subtropical. This means that the summers are hot and wet with periodic thunderstorms and winters are generally mild but occasionally cool. It almost never freezes. Rainfall averages 46.3 inches a year with most of the precipitation occurring between June and September. Winters are relatively dry.

Road Conditions

The mild winters in Tampa help drivers in many ways. Cold winter conditions don't subject Tampa's streets to the cold winter conditions that can create potholes and crack pavement. According to a recent study by TRIP, only 10 percent of major Tampa streets are in poor condition and 56 percent are mediocre. While most streets here are in good condition, many could be better. Driving on poorly maintained roads is in part responsible for the $444 a year drivers pay for extra vehicle operating costs.

Traffic Congestion

Traffic congestion is a larger problem. According to TomTom's annual traffic index report, Tampa-St. Petersburg metropolitan area ranks 15th for worst traffic congestion in the United States. The average commuter spends an additional 27 minutes per hour stuck in traffic during peak commute times, and 102 hours a year for commutes of 30 minutes.

Moving Violations

Moving violations like drunk driving, accidents, and speeding can have a dramatic impact on your insurance rates.

Traffic Tickets

The Hillsborough County Clerk of Courts website allows you to pay traffic citations and parking tickets. It also tells drivers how to contest tickets and provides helpful traffic court information.

Tampa police issued 18,011 traffic citations in 2013

Red Light Cameras

Tampa equipped many busy intersections with red light cameras as part of its Red Light Safety Camera Program. This web page lists them, and this web page provides information about the City of Tampa red light camera program.

SR-22 or FR-44 DUI Insurance

A DUI conviction may require you to obtain an SR-22 or FR-44 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Tampa DUI insurance.

Car Accident Statistics

Tampa Police reported 8,608 car crashes in 2016, resulting in 6,618 injuries. This was a decrease from the 8,272 crashes reported in 2015.

Traffic Fatalities

Tampa reported 45 deaths in motor vehicle crashes in 2016. This was a slight decrease from the 55 fatalities reported in 2015.

Vehicle Theft Rates

Tampa Police reported 648 vehicle thefts in 2016. This was a rate of 1.76 per 1,000 resident.

Save With Car Insurance Discounts

Are you looking for cheaper car insurance? Discounts are a great way for Tampa drivers to lower their rates. These are some of the auto insurance discounts available depending on your insurer. Get a quote and find out which discounts you qualify for with your current or multiple insurance companies.

1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 15% off your premium
2. Get a new car with advanced safety features like anti-lock brakes or electronic stability control
3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
4. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
5. Keep your driving record clean with no tickets or accidents
6. Live in a safe zip code with lower crime rates. People that live in zip code where lots of insurance claims are filed pay higher rates
7. Install anti-theft devices or a car alarm system
8. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
9. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
10. Shop around and compare low-cost Tampa car insurance quotes and discover every discount you qualify for

Car insurance agents near Tampa, FL:

Sources:

• City of Tampa Florida
• Hillsborough County Clerk - Pay Traffic Tickets
• TRIP Urban Roads Report Appendices
• Tampa Florida Crime Rates
• United States Census Bureau - Tampa, FL
• National Highway Traffic Safety Administration

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