Best Auto Insurance Rates in Tampa, Florida
On average your neighbors pay $98 a month.
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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 $1,176 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.
| 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
These are the most common car makes and models owned by Tampa drivers requesting quotes through QuoteWizard last year.
- Ford F150
- Honda Accord EX/LX
- Honda Civic EX/LX
- Toyota Camry LE/XLE/SE
- Nissan Altima 2.5 S
- Ford Explorer
- Ford Ranger
- Ford Mustang
- Toyota Corolla CE/LE/S
- Chevrolet Impala LS
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 16 percent of major Tampa streets are in poor condition and 22 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 $424 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. When you get a moving violation it can remain on your driving record for up to three years. If your insurer finds out you have a lot of tickets on your driving history, they could change your status from preferred to non-standard. This means your insurance company thinks you're a riskier driver than most. Theor next step will be to move you to an expensive high-risk policy until your citations start to disappear from your record.
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
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.
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.
- The average household in Tampa has two cars. Insuring two cars with one company can earn you a multi-car discount.
- Almost 20 percent of the population in Tampa is over 65. Drivers in this age range can qualify for a senior discount.
- Tampa has been dealing with an increase in auto thefts. If you install an anti-theft device in your car, it could get you a discount.
- Tampa is home to MacDill Air Force Base, and Florida itself has over 20 military bases. Current and former military members qualify for military discounts.
- Bundling your auto insurance with your home or life insurance policies could save you up to 20 percent.
Sources:
- City of Tampa Florida
- Hillsborough County Clerk - Pay Traffic Tickets
- Tampa Florida Crime Rates
- United States Census Bureau - Tampa, FL
- National Highway Traffic Safety Administration
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