Cheapest Car Insurance In Tampa, FL
With an average monthly cost of $96, State Farm is the most budget-friendly option for minimum coverage car insurance in Tampa.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the lowest-priced car insurance in Tampa, FL, can be challenging since prices differ greatly.
State Farm takes the lead for the most affordable liability-only insurance. For those needing full coverage, State Farm has the best prices, while young drivers get the lowest rates from USAA.
Cheapest Car Insurance Companies In Tampa, FL 2025
Cheapest Liability-only Car Insurance In Tampa: State Farm
With an average monthly price of $96, State Farm is the most budget-friendly choice for minimum coverage car insurance in Tampa.
Refer to the table below for a side-by-side comparison of insurance provider rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $96 | $1,152 |
| Allstate | $166 | $1,992 |
| GEICO | $100 | $1,200 |
| Mercury | $224 | $2,688 |
| Progressive | $251 | $3,012 |
Cheapest Full Coverage Insurance Rates In Tampa: State Farm
At an average of $124 per month, State Farm has the cheapest full coverage car insurance in Tampa.
Below is a table comparing average insurance quotes from low-cost providers in Tampa.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $124 | $1,488 |
| Allstate | $212 | $2,544 |
| Mercury | $287 | $3,444 |
| Direct Auto | $410 | $4,920 |
| Progressive | $374 | $4,488 |
Cheapest Car Insurance Rates For Seniors: Liberty Mutual
Seniors in Tampa can get the lowest car insurance rates from Liberty Mutual, averaging $102 a month.
This table presents the average quotes from budget-friendly auto insurers for senior drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Liberty Mutual | $102 | $1,224 |
| State Farm | $150 | $1,800 |
| Mercury | $197 | $2,364 |
| 21st Century | $120 | $1,440 |
| Direct Auto | $130 | $1,560 |
Cheapest Rates In Tampa For Teenagers: Liberty Mutual
Teenage drivers in Tampa will find the cheapest insurance rates from Liberty Mutual, costing about $110 per month.
This table highlights the insurers with the cheapest rates for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Liberty Mutual | $110 | $1,320 |
| Unitrin | $300 | $3,600 |
| State Farm | $306 | $3,672 |
| Direct Auto | $315 | $3,780 |
| 21st Century | $163 | $1,956 |
Cheapest Auto Insurance For Young Adults in Tampa: USAA
With average rates of $60 per month, USAA offers the cheapest car insurance for young adults in Tampa.
Check out the table below to find the cheapest auto insurance options for young adults in Tampa.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $60 | $720 |
| GAINSCO | $113 | $1,356 |
| Travelers | $77 | $924 |
| Liberty Mutual | $124 | $1,488 |
| Nationwide | $115 | $1,380 |
Cheapest Car Insurance In Tampa For Good Drivers: State Farm
Good drivers in Tampa will find the cheapest car insurance with State Farm, costing about $96 per month.
The table below provides average quotes from the cheapest insurance companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $96 | $1,152 |
| Allstate | $166 | $1,992 |
| GEICO | $100 | $1,200 |
| Mercury | $224 | $2,688 |
| Progressive | $251 | $3,012 |
Find affordable Tampa rates
Cheapest Car Insurance In Tampa After A Speeding Ticket: State Farm
Drivers with a speeding ticket can find low-cost insurance with State Farm in Tampa, where average rates are $115 per month.
The table below provides a breakdown of average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $115 | $1,380 |
| Allstate | $204 | $2,448 |
| GEICO | $121 | $1,452 |
| Travelers | $248 | $2,976 |
| Mercury | $292 | $3,504 |
Cheapest For Drivers With After At-Fault Accident: State Farm
With an average monthly cost of $123, State Farm offers the cheapest car insurance for at-fault drivers.
Here’s a list of insurers offering the cheapest car insurance for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $123 | $1,476 |
| Direct Auto | $285 | $3,420 |
| Allstate | $215 | $2,580 |
| GEICO | $128 | $1,536 |
| Progressive | $330 | $3,960 |
Cheapest Rates In Tampa For Drivers After A DUI: State Farm
If you have a DUI, State Farm has the cheapest insurance rates in Tampa, averaging $150 per month.
Tampa drivers with a DUI can compare the cheapest insurance options in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $150 | $1,800 |
| Direct Auto | $338 | $4,056 |
| Allstate | $261 | $3,132 |
| Travelers | $308 | $3,696 |
| Mercury | $330 | $3,960 |
Best Car Insurance Companies In Tampa
If you’re looking for budget-friendly insurance in Tampa, State Farm offers the lowest rate at $96 per month, followed by GEICO at $100 and Allstate at $166.
Here are the top 10 auto insurance companies in Tampa, FL, organized by their average monthly rates.
| Company | Monthly Premium |
| State Farm | $96 |
| Allstate | $166 |
| GEICO | $100 |
| Mercury | $224 |
| Progressive | $251 |
| Travelers | $196 |
| Direct Auto | $251 |
| GAINSCO | $315 |
| Foremost | $287 |
| National General | $367 |
Average Auto Insurance Rates In Tampa – By Age
One of the biggest factors in car insurance pricing is age. Younger drivers often pay more due to their inexperience and increased accident risk. Teenagers, for example, spend about $10,841 per year on car insurance.
Insurance costs generally start to decline when drivers reach 25, assuming they have no traffic violations or accidents.
The most affordable car insurance rates typically go to drivers in their 50s and early 60s, as insurers use age to measure risk and experience.
| Age | Average Yearly Rate |
| Teenagers | $10,841 |
| 20s | $6,741 |
| 30s | $4,464 |
| 40s | $3,896 |
| 50s | $3,353 |
| 60s | $3,150 |
| 70s | $3,633 |
Average Rates In Tampa – By Vehicle
Insurance companies factor in your vehicle’s make, model, year, and body style when determining your premium. Generally, newer luxury cars with costly repairs and advanced tech lead to higher rates.
Use the table below to see how insurance rates vary by vehicle type in Tampa.
| Vehicle | Average Monthly Rate |
| Toyota Corolla | $327 |
| Lexus GX | $344 |
| Chevrolet Cruze | $424 |
| Hyundai Elantra | $370 |
| Kia Sedona | $126 |
Average Cost Of Auto Insurance In Tampa – By Zip Code
Insurers analyze crime rates based on zip codes, leading to varying car insurance prices across different areas.
Use the table below to see how insurance rates differ by zip code in Tampa.
| City | Average Monthly Rate |
| 33610 | $422 |
| 33614 | $446 |
| 33618 | $413 |
| 33624 | $369 |
| 33607 | $404 |
How Much Is Car Insurance In Other Cities in Florida?
The cost of car insurance depends largely on where you live. Insurers factor in local accident rates, car theft, and vandalism—risks that are typically greater in cities and lead to higher premiums.
If you live in Miami, expect to pay roughly $408 per month for car insurance, compared to $228 per month in Sarasota.
| City | Average Monthly Rate |
| Orlando | $322 |
| Boca Raton | $346 |
| West Palm Beach | $407 |
| Fort Myers | $275 |
| Miami | $408 |
| Tallahassee | $274 |
| St. Petersburg | $262 |
| Pensacola | $264 |
| Naples | $252 |
| Sarasota | $228 |
Find affordable Tampa rates
Our methodology
I’ve thoroughly examined car insurance providers in Tampa, FL, factoring in customer feedback, policy features, costs, and insights from online reviews.
Quotes Analyzed
Years Of Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Tampa?
The most affordable car insurance in Tampa comes from State Farm for minimum coverage and again State Farm for full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in Tampa?
On average, Tampa drivers pay about $400 per month for car insurance, but costs vary depending on your zip code, vehicle, and driving history.
