Tampa is full of attractions like the Amalie Arena, Busch Gardens and beaches up and down the Gulf Coast. To get from one spot to another, however, drivers must traverse the sprawling city. There’s a lot of potential for accidents as the area’s drivers take to the many lanes of Busch Boulevard or U.S. 19. Sharing the roads with many busy drivers is a good case for solid car insurance.
We’ve gathered car insurance quote data from real Jerry customers in Tampa to show how factors like your age, location within the city and driving record can affect your rate.
Cheapest minimum coverage insurance in Tampa
Florida requires drivers to carry the following coverages:
- $10,000 in personal injury protection (PIP) coverage.
- $10,000 in property damage liability coverage.
These are the average quotes that Tampa drivers have received via Jerry for minimum coverage, from cheapest to most expensive.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Progressive | $265 | $3,181 | Tampa, FL |
| National General | $307 | $3,686 | Tampa, FL |
| Mendota | $325 | $3,895 | Tampa, FL |
| Bristol West | $369 | $4,426 | Tampa, FL |
| Root | $402 | $4,818 | Tampa, FL |
| Infinity | $543 | $6,516 | Tampa, FL |
| Assurance America | $545 | $6,536 | Tampa, FL |
| The General | $553 | $6,633 | Tampa, FL |
| Dairyland | $580 | $6,963 | Tampa, FL |
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Tampa
Hurricanes frequently hammer Florida and Tampa can fall in their paths. Should the heavy winds or flooding damage your car, minimum coverage won’t help cover your losses. However, full coverage could compensate you in an accident, weather-related events or if your car is stolen.
Here are the insurers offering the cheapest full coverage rates in Tampa, arranged from cheapest to most expensive, based on quotes received via Jerry.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Aspire Advantage | $212 | $2,542 | Tampa, FL |
| First Acceptance | $302 | $3,620 | Tampa, FL |
| Progressive | $370 | $4,437 | Tampa, FL |
| National General | $392 | $4,704 | Tampa, FL |
| Root | $422 | $5,067 | Tampa, FL |
| Gainsco | $480 | $5,764 | Tampa, FL |
| Embark General | $483 | $5,791 | Tampa, FL |
| Safeco | $503 | $6,033 | Tampa, FL |
| Mendota | $535 | $6,417 | Tampa, FL |
| Bristol West | $545 | $6,545 | Tampa, FL |
Cheapest car insurance for young drivers in Tampa (18-29 years old)
Young drivers tend to pay the highest rates among all age groups because insurers view their lack of experience as risky. Companies may weigh that risk differently, so it’s wise to compare quotes from multiple insurers.
Here are the average premiums that young drivers in Tampa can expect to pay, based on quotes that drivers received via Jerry.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 18-20 | $487 | $5,842 | Tampa, FL |
| 21-24 | $411 | $4,934 | Tampa, FL |
Cheapest minimum coverage for 20-year-olds
Based on Jerry’s data, these insurers offer the cheapest minimum coverage quotes for 20-year-olds in Tampa.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Embark General | $270 | $3,240 | Tampa, FL |
| Gainsco | $322 | $3,862 | Tampa, FL |
| Assurance America | $361 | $4,331 | Tampa, FL |
| Dairyland | $377 | $4,528 | Tampa, FL |
| The General | $382 | $4,586 | Tampa, FL |
Cheapest full coverage for 20-year-olds
These insurers offer the cheapest full coverage quotes for 20-year-olds, according to Jerry’s quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Progressive | $498 | $5,977 | Tampa, FL |
| Bristol West | $706 | $8,472 | Tampa, FL |
Cheapest car insurance for mature drivers in Tampa (25-54 years old)
Drivers between 25 and 54 years old generally get lower rates than younger drivers.
Here are the average quotes that mature drivers can expect to pay in Tampa, based on quotes received via Jerry.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 25-34 | $383 | $4,596 | Tampa, FL |
| 35-44 | $374 | $4,489 | Tampa, FL |
| 45-54 | $337 | $4,040 | Tampa, FL |
Cheapest minimum coverage for 35-year-olds
These insurers offer the cheapest quotes for 35-year-olds seeking minimum coverage in Tampa, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Gainsco | $156 | $1,874 | Tampa, FL |
| Progressive | $268 | $3,219 | Tampa, FL |
| National General | $282 | $3,382 | Tampa, FL |
| Embark General | $298 | $3,572 | Tampa, FL |
| Bristol West | $324 | $3,886 | Tampa, FL |
Cheapest full coverage for 35-year-olds
These insurers provide the cheapest full coverage quotes to 35-year-olds in Tampa, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Embark General | $304 | $3,648 | Tampa, FL |
| Dairyland | $366 | $4,394 | Tampa, FL |
| Gainsco | $371 | $4,455 | Tampa, FL |
| Progressive | $408 | $4,901 | Tampa, FL |
| National General | $417 | $5,007 | Tampa, FL |
Cheapest car insurance for older drivers (55+ years old)
Drivers above age 54 can expect some of the lowest insurance rates, however, rates may rise as drivers reach their 70s.
Below are the average quotes that drivers who are 55 and older have received via Jerry.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 55-64 | $311 | $3,728 | Tampa, FL |
| 65+ | $310 | $3,714 | Tampa, FL |
Cheapest minimum coverage for 65-year-olds
These insurers provide the lowest-priced quotes for 65-year-olds in Tampa, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Gainsco | $126 | $1,516 | Tampa, FL |
| Assurance America | $144 | $1,731 | Tampa, FL |
| Embark General | $174 | $2,083 | Tampa, FL |
| Progressive | $180 | $2,164 | Tampa, FL |
| The General | $221 | $2,646 | Tampa, FL |
Cheapest full coverage for 65-year-olds
Here are the companies that offer the cheapest full coverage policies to 65-year-olds, based on Jerry’s quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| National General | $227 | $2,727 | Tampa, FL |
| Progressive | $260 | $3,114 | Tampa, FL |
| Assurance America | $347 | $4,161 | Tampa, FL |
| Bristol West | $451 | $5,412 | Tampa, FL |
| The General | $524 | $6,282 | Tampa, FL |
Cheapest car insurance for drivers with clean records in Tampa
Having no claims or violations on your driving record goes a long way in getting a low rate.
Here’s what drivers with clean records can expect to pay on average, according to Jerry’s quote data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|
| $329 | $3,947 | Tampa, FL |
These insurers offer the lowest quotes to Tampa drivers with spotless records, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| First Acceptance | $174 | $2,086 | Tampa, FL |
| Progressive | $262 | $3,150 | Tampa, FL |
| National General | $278 | $3,337 | Tampa, FL |
| Gainsco | $279 | $3,347 | Tampa, FL |
| Embark General | $308 | $3,701 | Tampa, FL |
| Assurance America | $329 | $3,947 | Tampa, FL |
| Dairyland | $386 | $4,636 | Tampa, FL |
| Bristol West | $392 | $4,700 | Tampa, FL |
| The General | $432 | $5,178 | Tampa, FL |
| Root | $433 | $5,200 | Tampa, FL |
Cheapest car insurance for drivers with low credit scores in Tampa
Florida allows insurance companies to set rates based on your credit score, so having a lower score could cause your car insurance rates to be higher.
Here are average monthly and annual car insurance rates by credit score range, according to Jerry’s quote data.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 550-659 | $384 | $4,611 | Tampa, FL |
| 660-750 | $323 | $3,870 | Tampa, FL |
| <550 | $410 | $4,917 | Tampa, FL |
| 750+ | $328 | $3,936 | Tampa, FL |
These insurance companies provide the cheapest quotes to Tampa drivers with scores below 550, based on Jerry’s data.
|
Insurance Company
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|---|
| Anchor General | <550 | $99 | $1,190 | Tampa, FL |
| Aspire Advantage | <550 | $163 | $1,952 | Tampa, FL |
| National General | <550 | $329 | $3,954 | Tampa, FL |
| Root | <550 | $331 | $3,976 | Tampa, FL |
| Embark General | <550 | $337 | $4,041 | Tampa, FL |
Cheapest car insurance for drivers with at-fault accidents in Tampa
An accident typically causes your insurance rate to rise, so it’s a good idea to compare quotes from multiple insurers to keep costs down. These tables show how accidents affect your premium, based on quotes received through Jerry.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| At Fault With Injury | $331 | $3,978 | Tampa, FL |
| At Fault With No Injury | $428 | $5,136 | Tampa, FL |
| Not At Fault | $403 | $4,832 | Tampa, FL |
Cheapest policies for drivers with at-fault accidents with no injury in Tampa
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| National General | $330 | $3,954 | Tampa, FL |
| Gainsco | $351 | $4,213 | Tampa, FL |
| Embark General | $355 | $4,264 | Tampa, FL |
| Progressive | $360 | $4,322 | Tampa, FL |
| Root | $418 | $5,013 | Tampa, FL |
Cheapest car insurance for drivers with at-fault accidents with injury in Tampa
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| National General | $279 | $3,346 | Tampa, FL |
| Embark General | $280 | $3,365 | Tampa, FL |
| Assurance America | $325 | $3,894 | Tampa, FL |
| Bristol West | $343 | $4,114 | Tampa, FL |
| The General | $565 | $6,775 | Tampa, FL |
Cheapest car insurance for drivers with speeding tickets in Tampa
After a speeding ticket goes on your record, you will likely see a higher auto insurance bill. If you have a recent ticket, it’s a good time to shop around for a better rate. Here’s how speeding can affect your average insurance quote, based on Jerry’s data.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Speeding over 15 | $413 | $4,953 | Tampa, FL |
| Speeding under 15 | $400 | $4,797 | Tampa, FL |
These insurers provide the most affordable insurance policies to Tampa drivers with speeding tickets on their records, according to Jerry’s quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Dairyland | $279 | $3,352 | Tampa, FL |
| Embark General | $310 | $3,725 | Tampa, FL |
| Progressive | $336 | $4,029 | Tampa, FL |
| Assurance America | $356 | $4,276 | Tampa, FL |
| National General | $380 | $4,556 | Tampa, FL |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
