Tampa Car Insurance Cost – Cheapest Rates + Comparisons for 2025

How much does Tampa auto insurance cost? We compare average rates from six different automotive segments to find the cars, trucks, and SUVs with cheap Tampa car insurance quotes.

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  • Average car insurance cost in Tampa is $3,030 per year, or approximately $253 per month, for a full-coverage policy.
  • Tampa, FL, car insurance costs $276 per year more than the Florida state average ($2,754) and $809 per year more than the United States national average ($2,221).
  • Auto insurance rates for a few popular models in Tampa include the GMC Sierra at $3,350 per year, Toyota Highlander at $2,756, and Toyota RAV4 at $2,796.
  • Small crossovers like the Chevrolet Trailblazer, Nissan Kicks, Mazda CX-5, and Volkswagen Tiguan get the nod for cheap car insurance in Tampa.

What is average car insurance cost in Tampa?

The average car insurance cost in Tampa is $3,030 per year, which is 30.8% more than the overall U.S. national average rate of $2,221 per year. The average monthly cost of car insurance in Tampa is $253 for a full coverage policy.

Average car insurance cost in Florida is $2,754 per year, so Tampa, FL, drivers pay an average of $276 more per year than the overall Florida state-wide average rate. When prices are compared to other cities in Florida, the cost of insurance in Tampa is $576 per year more expensive than in Jacksonville, $530 per year more than in Orlando, and $66 per year cheaper than in Miami.

The chart below shows additional data for the 20 to 60-year-old age groups by including rates for three different policy deductible limits. These extra data points can aid in understanding how car insurance cost increases with lower deductibles, and decreases when deductible are raised.

Average full-coverage car insurance premium in Tampa, FL for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Tampa, FL for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Tampa, FL Zip Codes.

Average Car Insurance Cost in Tampa, FL
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$5,160$430
$500$6,098$508
$250$7,090$591
30$1,000$2,712$226
$500$3,236$270
$250$3,782$315
40$1,000$2,550$213
$500$3,030$253
$250$3,532$294
50$1,000$2,272$189
$500$2,688$224
$250$3,120$260
60$1,000$2,128$177
$500$2,518$210
$250$2,922$244

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Tampa, FL Zip Codes. Updated June 27, 2025

In the chart above, the cost of auto insurance in Tampa ranges from $2,128 per year for a 60-year-old driver with a high deductible policy to $7,090 per year for a 20-year-old driver with a low deductible. From a monthly budget point of view, the average cost in the prior chart ranges from $177 to $591 per month.

Tampa auto insurance rates can have a wide range and can also be significantly different between companies. Since there can be such a large difference in rates, it increases the need to get multiple car insurance quotes when looking for cheaper car insurance.

Driver age is the largest factor that influences the cost of car insurance. The list below illustrates this point by breaking out average car insurance rates for driver ages from 16 to 60.

Average cost of car insurance in Tampa, FL, by driver age

  • 16 year old – $10,796 per year or $900 per month
  • 17 year old – $10,458 per year or $872 per month
  • 18 year old – $9,372 per year or $781 per month
  • 19 year old – $8,535 per year or $711 per month
  • 20 year old – $6,098 per year or $508 per month
  • 30 year old – $3,236 per year or $270 per month
  • 40 year old – $3,030 per year or $253 per month
  • 50 year old – $2,688 per year or $224 per month
  • 60 year old – $2,518 per year or $210 per month

The rates in the list above that detailed the cost to insure teen drivers were based on a male driver. The next chart gets more specific and separates average car insurance cost for teenagers in Tampa by gender. Females are generally cheaper to insure, especially up to age 20.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Tampa includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Tampa, FL for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$10,796$10,084
17-Year-Old$10,458$10,024
18-Year-Old$9,372$8,648
19-Year-Old$8,535$7,220

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 26, 2025

Auto insurance for a 16-year-old female in Tampa costs an average of $712 less per year than the cost to insure a 16-year-old male driver, while at age 19, the cost difference is smaller but males still pay $1,315 more per year.

The auto insurance rates mentioned previously consist of an average based on every 2024 vehicle model, which is suitable when making generalized comparisons like the average cost difference between two Florida cities. But for more useful car insurance rate comparisons, the data will be more precise if we instead use rates for the specific model of vehicle being insured.

Later on in this article, we do lots of cost comparisons for many different specific vehicles, but for now, a handful of the most popular vehicles will be shown to find out how auto insurance rates measure up in Tampa.

The next chart details average insurance rates in Tampa for popular cars, trucks, and SUVs.

Average cost to insure popular 2024 model year vehicles in Tampa.
Figure 3: Average cost to insure popular 2024 model year vehicles in Tampa. Rates updated on June 26, 2025.

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Tampa Zip Codes.

Tampa, FL, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Mazda CX-5$2,472$206
Honda CR-V$2,586$216
Honda HR-V$2,640$220
Honda Civic$2,684$224
Nissan Rogue$2,726$227
Ford Explorer$2,750$229
Ford Escape$2,766$231
Chevrolet Equinox$2,794$233
Toyota RAV4$2,796$233
Hyundai Tucson$2,818$235
Ford Ranger$2,898$242
Honda Pilot$2,952$246
Toyota Corolla$2,956$246
Jeep Grand Cherokee$3,032$253
Toyota Camry$3,258$272
Hyundai Elantra$3,296$275
Ford Mustang$3,330$278
GMC Sierra$3,350$279
Chevrolet Silverado$3,352$279
Ford F150$3,392$283
Jeep Wrangler$3,460$288
Ram Truck$3,506$292
Chevrolet Corvette$4,198$350

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Tampa, FL Zip Codes. Updated June 26, 2025

Which cars have cheap insurance in Tampa, Florida?

When all vehicles are compared, the models with the cheapest auto insurance rates in Tampa, FL, tend to be crossovers and small SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, and Buick Envision. Average car insurance quotes for those compact SUVs cost $2,462 or less per year, or $205 per month, for full coverage.

Some additional vehicles that have affordable insurance prices in our car insurance price comparison are the Volkswagen Taos, Honda HR-V, Acura RDX, and Buick Encore. Insurance is slightly higher for those models than the cheapest small SUVs at the top of the list, but they still have an average cost of $2,640 or less per year, or $220 per month in Tampa.

The next table ranks the vehicles with the cheapest overall insurance rates in Tampa, sorted by average cost.

Cheapest Car Insurance Rates in Tampa, Florida
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$2,240$187
2Chevrolet Trailblazer$2,278$190
3Kia Soul$2,366$197
4Nissan Kicks$2,388$199
5Honda Passport$2,416$201
6Buick Envision$2,430$203
7Toyota Corolla Cross$2,444$204
8Hyundai Venue$2,462$205
9Mazda CX-5$2,472$206
10Ford Bronco Sport$2,484$207
11Volkswagen Tiguan$2,508$209
12Acura RDX$2,534$211
13Nissan Murano$2,548$212
14Buick Encore$2,576$215
15Subaru Outback$2,582$215
16Honda CR-V$2,586$216
17Buick Envista$2,592$216
18Volkswagen Taos$2,598$217
19Kia Niro$2,610$218
20Toyota GR Corolla$2,634$220

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Tampa, FL Zip Codes. Updated June 26, 2025

Top 20 cheapest vehicles to insure in Tampa, FL with the Subaru Crosstrek ranking first at $2,240 per year
Top 20 cheapest vehicles to insure in Tampa, FL with the Subaru Crosstrek ranking first at $2,240 per year

A table of 20 of the cheapest vehicles to insure in Tampa is great if you’re just wanting the lowest rates. A more thorough way to group rates for different vehicles is by organizing them by automotive segment. The next sections rank the models with the lowest cost car insurance rates in Tampa for the six most popular vehicle segments.

Cheapest cars to insure in Tampa, Florida

The Toyota GR Corolla takes the #1 ranking as the most budget-friendly non-luxury sedan or hatchback to insure in Tampa, followed closely by the Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. The 2024 model averages $2,634 per year for full-coverage auto insurance.

Some other cars that have cheaper rates are the Toyota Corolla, Kia K5, Toyota Prius, and Chevrolet Malibu, with average cost of $2,956 per year or less.

As a cost per month, full-coverage auto insurance in this segment for the average driver can cost as low as $220 per month, depending on the company. The rate comparison table below ranks the twenty cars with the lowest-cost auto insurance rates in Tampa.

Cheapest Cars to Insure in Tampa, FL
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,634$220
Nissan LeafCompact$2,656$221
Honda CivicCompact$2,684$224
Nissan SentraCompact$2,776$231
Subaru ImprezaCompact$2,786$232
Toyota PriusCompact$2,834$236
Kia K5Midsize$2,922$244
Honda AccordMidsize$2,928$244
Chevrolet MalibuMidsize$2,938$245
Kia ForteCompact$2,956$246
Toyota CorollaCompact$2,956$246
Volkswagen ArteonMidsize$2,980$248
Nissan VersaCompact$2,986$249
Subaru LegacyMidsize$2,992$249
Hyundai Ioniq 6Midsize$3,016$251
Mitsubishi Mirage G4Compact$3,058$255
Volkswagen JettaCompact$3,064$255
Hyundai SonataMidsize$3,070$256
Toyota CrownMidsize$3,070$256
Mazda 3Compact$3,138$262

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Tampa, FL Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Tampa, FL, with the Toyota GR Corolla ranking first at $2,634 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Tampa, FL, with the Toyota GR Corolla ranking first at $2,634 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Florida.

Cheapest SUV insurance rates in Tampa

Ranking #1 in Tampa for the most affordable average insurance rates in the non-luxury SUV segment is the Subaru Crosstrek, coming in at $2,240 per year. Second place is the Chevrolet Trailblazer at $2,278 per year, ranking third is the Kia Soul, at an average of $2,366 per year, and fourth place goes to the Nissan Kicks, costing an average of $2,388 per year.

Not the cheapest, but still very affordable, are SUVs like the Toyota Corolla Cross, Ford Bronco Sport, Buick Envision, and Mazda CX-5, with an average cost of $2,484 per year or less.

Ranked in the lower half of the top 20, SUVs like the Subaru Outback, Kia Niro, Volkswagen Tiguan, Honda CR-V, and Buick Encore average between $2,484 and $2,638 per year to insure.

From a cost per month standpoint, car insurance in this segment for a middle-age safe driver starts at around $187 per month, depending on your company and location.

The lowest-cost compact SUV to insure in Tampa is the Subaru Crosstrek at $2,240 per year. For midsize models, the Honda Passport is the cheapest model to insure at $2,416 per year. And for large SUVs, the Chevrolet Tahoe has the most affordable rates at $2,846 per year.

The comparison table below ranks the SUVs with the most affordable car insurance rates in Tampa.

Cheapest SUVs to Insure in Tampa, FL
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$2,240$187
Chevrolet TrailblazerCompact$2,278$190
Kia SoulCompact$2,366$197
Nissan KicksCompact$2,388$199
Honda PassportMidsize$2,416$201
Buick EnvisionCompact$2,430$203
Toyota Corolla CrossCompact$2,444$204
Hyundai VenueCompact$2,462$205
Mazda CX-5Compact$2,472$206
Ford Bronco SportCompact$2,484$207
Volkswagen TiguanCompact$2,508$209
Nissan MuranoMidsize$2,548$212
Buick EncoreCompact$2,576$215
Subaru OutbackMidsize$2,582$215
Honda CR-VCompact$2,586$216
Buick EnvistaMidsize$2,592$216
Volkswagen TaosCompact$2,598$217
Kia NiroCompact$2,610$218
Subaru AscentMidsize$2,638$220
Honda HR-VCompact$2,640$220

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Tampa, FL Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Tampa, FL, with the Subaru Crosstrek ranking first at $2,240 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Tampa, FL, with the Subaru Crosstrek ranking first at $2,240 per year.

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Looking for rates for a different SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Tampa car insurance quotes from top-rated companies in Florida.

Cheapest sports car insurance rates in Tampa

The Mazda MX-5 Miata comes in at #1 as the cheapest sports car to insure in Tampa, followed by the Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. The 2024 model averages $2,806 per year for a policy with full coverage.

Rounding out the top 10 are models like the Toyota GR Supra, Nissan Z, Subaru BRZ, and Lexus RC F, with an average car insurance cost of $3,624 per year or less.

As a cost per month, auto insurance rates in this segment for a middle-age safe driver starts at around $234 per month, depending on the company. The comparison table below ranks the twenty sports cars with the cheapest insurance in Tampa.

Cheapest Sports Cars to Insure in Tampa, FL
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,806$234
Toyota GR86Sports Car$3,196$266
Ford MustangSports Car$3,330$278
BMW Z4Sports Car$3,350$279
Subaru WRXSports Car$3,398$283
Toyota GR SupraSports Car$3,406$284
BMW M2Sports Car$3,506$292
Nissan ZSports Car$3,514$293
Lexus RC FSports Car$3,584$299
Subaru BRZSports Car$3,624$302
BMW M3Sports Car$3,832$319
Porsche 718Sports Car$3,904$325
Chevrolet CamaroSports Car$3,938$328
Chevrolet CorvetteSports Car$4,198$350
Porsche 911Sports Car$4,342$362
BMW M4Sports Car$4,522$377
Lexus LC 500Sports Car$4,546$379
Jaguar F-TypeSports Car$4,782$399
Mercedes-Benz AMG GT53Sports Car$5,018$418
Porsche TaycanSports Car$5,134$428

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Tampa, FL Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Tampa, FL, with the Mazda MX-5 Miata ranking first at $2,806 per year.
Ranking of the cheapest sports cars to insure in Tampa, FL, with the Mazda MX-5 Miata ranking first at $2,806 per year.

Don’t see insurance cost for your sports car? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Florida.

Cheapest pickup insurance rates in Tampa

The #1 ranking in Tampa for the most affordable average insurance rates in the pickup segment is the Chevrolet Colorado, at $2,670 per year. Second place is the Nissan Titan costing $2,836 per year, and ranking third is the Nissan Frontier, costing an average of $2,864 per year.

Rounding out the top 10 are trucks like the Toyota Tacoma, Hyundai Santa Cruz, GMC Canyon, and GMC Sierra 2500 HD, with average insurance cost of $3,120 per year or less.

Auto insurance rates in this segment for an average middle-age driver starts at around $223 per month, depending on the company and your location. The rate comparison table below ranks the pickups with the most affordable average car insurance rates in Tampa, starting with the Chevrolet Colorado at $223 per month and ending with the Ram Truck at $292 per month.

Cheapest Pickups to Insure in Tampa, FL
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,670$223
Nissan TitanFull-size$2,836$236
Nissan FrontierMidsize$2,864$239
Ford RangerMidsize$2,898$242
Ford MaverickMidsize$2,940$245
Honda RidgelineMidsize$3,008$251
Hyundai Santa CruzMidsize$3,060$255
Toyota TacomaMidsize$3,068$256
GMC Sierra 2500 HDHeavy Duty$3,082$257
GMC CanyonMidsize$3,120$260
Jeep GladiatorMidsize$3,192$266
GMC Sierra 3500Heavy Duty$3,212$268
Chevrolet Silverado HD 3500Heavy Duty$3,244$270
Chevrolet Silverado HD 2500Heavy Duty$3,326$277
GMC SierraFull-size$3,350$279
Chevrolet SilveradoFull-size$3,352$279
Nissan Titan XDHeavy Duty$3,352$279
Ford F150Full-size$3,392$283
GMC Hummer EV PickupFull-size$3,478$290
Ram TruckFull-size$3,506$292

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Tampa, FL Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Tampa, FL, with the Chevrolet Colorado ranking first at $2,670 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Tampa, FL, with the Chevrolet Colorado ranking first at $2,670 per year.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Is your pickup truck not in the list? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Tampa car insurance quotes from top-rated companies in Florida.

Cheapest luxury cars to insure in Tampa

Taking the top spot in Tampa for the lowest-cost insurance in the luxury sedan segment is the Acura Integra, with an average cost of $2,696 per year. Second place is the BMW 330i at $3,088 per year, and the third most affordable is the Mercedes-Benz CLA250, costing an average of $3,120 per year.

Additional models that have cheaper rates are the Cadillac CT4, Mercedes-Benz AMG CLA35, Lexus ES 350, and Lexus RC 300, with an average cost of $3,186 per year or less.

Some additional 2024 models that made the list include the Lexus ES 300h, BMW 330e, Jaguar XF, Lexus IS 350, and Audi S3, which average between $3,186 and $3,400 per year for insurance in Tampa.

As a cost per month, auto insurance rates in this segment for an average middle-age driver starts at an average of $225 per month, depending on where you live and the company you use.

The next table ranks the twenty luxury cars with the cheapest average insurance rates in Tampa, starting with the Acura Integra at $2,696 per year and ending with the Audi S3 at $3,400 per year.

Cheapest Luxury Cars to Insure in Tampa, FL
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,696$225
BMW 330iCompact$3,088$257
Mercedes-Benz CLA250Midsize$3,120$260
Lexus IS 300Midsize$3,126$261
Acura TLXCompact$3,138$262
Cadillac CT4Compact$3,166$264
Lexus ES 350Midsize$3,166$264
Genesis G70Compact$3,176$265
Mercedes-Benz AMG CLA35Midsize$3,180$265
Lexus RC 300Midsize$3,186$266
Lexus IS 350Compact$3,200$267
Jaguar XFMidsize$3,208$267
Cadillac CT5Midsize$3,268$272
Lexus ES 250Midsize$3,282$274
Lexus RC 350Compact$3,290$274
BMW 330eCompact$3,294$275
BMW 228iCompact$3,298$275
BMW 230iCompact$3,324$277
Lexus ES 300hMidsize$3,330$278
Audi S3Compact$3,400$283

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Tampa, FL Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Tampa, FL, with the Acura Integra ranking first at $2,696 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Tampa, FL, with the Acura Integra ranking first at $2,696 per year.

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Don’t see insurance rates for your vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Tampa car insurance quotes from top-rated car insurance companies in Florida.

Cheapest luxury SUVs to insure in Tampa, FL

Ranking in the top five for the lowest-cost Tampa auto insurance rates in the luxury SUV segment are the Cadillac XT4, Jaguar E-Pace, Acura RDX, Cadillac XT5, and Lexus NX 250. Rates for these vehicles average $239 or less per month.

Also ranking well in our comparison are models like the Lexus UX 250h, Mercedes-Benz GLB 250, Lexus NX 450h, and Lincoln Corsair, with average annual insurance rates of $2,922 per year or less.

From a monthly standpoint, car insurance rates on this segment in Tampa starts at an average of $211 per month, depending on your location and insurance company.

When the luxury SUV segment is analyzed by vehicle size, the most affordable compact luxury SUV model to insure in Tampa is the Acura RDX at $2,534 per year, or $211 per month. For midsize luxury SUV models, the Jaguar E-Pace has the cheapest rates at $2,834 per year, or $236 per month. And for full-size luxury SUV models, the Infiniti QX80 has the cheapest rates at $3,400 per year, or $283 per month.

The next table ranks the twenty luxury SUVs with the lowest-cost average auto insurance rates in Tampa.

Cheapest Luxury SUVs to Insure in Tampa, FL
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,534$211
Lexus NX 250Compact$2,682$224
Cadillac XT4Compact$2,738$228
Jaguar E-PaceMidsize$2,834$236
Cadillac XT5Midsize$2,862$239
Lexus NX 350hCompact$2,862$239
Lincoln CorsairCompact$2,896$241
Mercedes-Benz GLB 250Compact$2,904$242
Lexus UX 250hCompact$2,908$242
Lexus NX 450hCompact$2,922$244
Infiniti QX50Midsize$2,946$246
Mercedes-Benz GLA250Compact$2,956$246
Cadillac XT6Midsize$2,966$247
Mercedes-Benz GLA35 AMGCompact$2,966$247
Infiniti QX60Midsize$2,982$249
Mercedes-Benz AMG GLB35Midsize$2,986$249
Acura MDXMidsize$3,028$252
Land Rover EvoqueCompact$3,028$252
Lexus NX 350Compact$3,040$253
Lexus RX 350Midsize$3,042$254

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Tampa, FL Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Tampa, FL, with the Acura RDX ranking first at $2,534 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Tampa, FL, with the Acura RDX ranking first at $2,534 per year.

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Don’t see rates for your luxury SUV? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Tampa car insurance quotes from the best car insurance companies in Florida.

Price variation for driver risk

To stress the importance of the amount the cost of the same car insurance policy can change for different applicants (and also emphasize the importance of getting multiple quotes), the charts below contain multiple rates for three popular models in Tampa: the Ram Truck, Toyota Corolla, and Honda CR-V.

Each vehicle example uses different risk profiles to demonstrate the potential rate difference based on changes in the type of driver rated on the policy.

Ram Truck insurance rates

Insurance for a Ram Truck in Tampa costs an average of $3,506 per year, or about $292 per month, and varies from $2,906 to $8,076.

Average 2024 Ram Truck insurance premiums in Tampa for different driver ages and risk scenarios.
Figure 4: Average 2024 Ram Truck insurance premiums in Tampa for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Ram Truck with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ram Truck car insurance cost in Tampa includes all Zip Codes and vehicle trim levels.

2024 Ram Truck Insurance Cost in Tampa, FL
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$8,076$673
Safe Driver Age 20$7,064$589
At-fault Accidents Age 40$4,968$414
Low Deductibles Age 40$4,584$382
Safe Driver Age 30$3,740$312
Safe Driver Age 40$3,506$292
Safe Driver Age 50$3,106$259
High Deductibles Age 40$2,952$246
Safe Driver Age 60$2,906$242
Discount Rate Age 40$2,906$242

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ram Truck trim levels. Updated June 27, 2025

The Ram Truck is classified as a full-size truck, and additional models from the same segment that are popular in Tampa, FL, include the Nissan Titan, Ford F150, and GMC Sierra.

Toyota Corolla insurance rates

In Tampa, Toyota Corolla insurance costs an average of $2,956 per year, or around $246 per month, and has a range of $2,450 to $6,768 per year.

Average 2024 Toyota Corolla insurance premiums in Tampa for different driver ages and risk scenarios.
Figure 5: Average 2024 Toyota Corolla insurance premiums in Tampa for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in Tampa includes all Zip Codes and vehicle trim levels.

2024 Toyota Corolla Insurance Cost in Tampa, FL
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,768$564
Safe Driver Age 20$5,904$492
At-fault Accidents Age 40$4,190$349
Low Deductibles Age 40$3,790$316
Safe Driver Age 30$3,140$262
Safe Driver Age 40$2,956$246
Safe Driver Age 50$2,630$219
High Deductibles Age 40$2,520$210
Safe Driver Age 60$2,458$205
Discount Rate Age 40$2,450$204

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Corolla trim levels. Updated June 26, 2025

The Toyota Corolla is part of the compact car segment, and other models in the same segment include the Chevrolet Cruze, Volkswagen Jetta, and Honda Civic.

Honda CR-V insurance rates

Insurance for a Honda CR-V in Tampa costs an average of $2,586 per year (about $216 per month) and varies from $2,152 to $5,940 for the driver characteristics displayed in the next chart.

Average 2024 Honda CR-V insurance premiums in Tampa for different driver ages and risk scenarios.
Figure 6: Average 2024 Honda CR-V insurance premiums in Tampa for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Tampa includes all Zip Codes and vehicle trim levels.

2024 Honda CR-V Insurance Cost in Tampa, FL
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,940$495
Safe Driver Age 20$5,194$433
At-fault Accidents Age 40$3,656$305
Low Deductibles Age 40$3,370$281
Safe Driver Age 30$2,756$230
Safe Driver Age 40$2,586$216
Safe Driver Age 50$2,296$191
High Deductibles Age 40$2,180$182
Discount Rate Age 40$2,152$179
Safe Driver Age 60$2,148$179

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda CR-V trim levels. Updated June 27, 2025

The Honda CR-V belongs to the compact SUV segment, and other similar models that are popular in Tampa, Florida, include the Mazda CX-5, Subaru Forester, and Ford Escape.

Helpful tips to save on auto insurance

Shrewd drivers in Tampa are often looking to reduce their monthly insurance expenses, so take a minute and read through the tips below and it’s very possible you can save a little dough on your next policy.

  • Negligent driving raises car insurance rates. Too frequent at-fault accidents can raise rates, possibly as much as $4,330 per year for a 20-year-old driver and even as much as $742 per year for a 60-year-old driver. So be a cautious driver and save.
  • Increasing deductibles makes car insurance cheaper. Jacking up your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Remove unneeded coverage on older cars. Removing comprehensive and collision coverage from older vehicles whose value has decreased will cut the cost of car insurance significantly.
  • Shop around often. Taking a couple of minutes every year or so to get a few free car insurance quotes could save you more than you think. Rates change more often that you might think and you can switch anytime.
  • Remain claim free and save. Auto insurance companies give a discount if you have no claims. Auto insurance is intended to be used to protect you from large financial hits, not small claims that can be paid out-of-pocket.
  • Obey driving laws to keep insurance cost low. In order to have the cheapest car insurance in Tampa, it pays to be a safe driver. As a matter of fact, just one or two traffic citations can potentially raise the cost of a policy by up to $808 per year.
  • Check your credit score. Having a high credit score of 800+ could save as much as $476 per year versus a credit score between 670-739. Conversely, a weaker credit score could cost around $551 more per year. Not all states use credit score as a rating factor, so check with your agent or company.