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.

Start a Free QuoteCompare Tampa car insurance quotes and save on your next policy.

  • Average car insurance cost in Tampa is $3,068 per year, or approximately $256 per month, for a full-coverage policy.
  • Tampa, FL, car insurance costs $276 per year more than the Florida state average ($2,792) and $792 per year more than the United States national average ($2,276).
  • Auto insurance rates for a few popular models in Tampa include the GMC Sierra at $3,386 per year, Toyota Highlander at $2,788, and Toyota RAV4 at $2,828.
  • 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 $3,068 per year, which is 29.6% more than the overall U.S. national average rate of $2,276 per year. The average monthly cost of car insurance in Tampa is $256 for a full coverage policy.

Average car insurance cost in Florida is $2,792 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 $578 per year more expensive than in Jacksonville, $536 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 October 24, 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$5,222$435
$500$6,170$514
$250$7,174$598
30$1,000$2,742$229
$500$3,272$273
$250$3,820$318
40$1,000$2,580$215
$500$3,068$256
$250$3,576$298
50$1,000$2,296$191
$500$2,718$227
$250$3,156$263
60$1,000$2,152$179
$500$2,544$212
$250$2,954$246

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 October 24, 2025

In the chart above, the cost of auto insurance in Tampa ranges from $2,152 per year for a 60-year-old driver with a high deductible policy to $7,174 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 $179 to $598 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 – $10,922 per year or $910 per month
  • 17 year old – $10,580 per year or $882 per month
  • 18 year old – $9,482 per year or $790 per month
  • 19 year old – $8,634 per year or $720 per month
  • 20 year old – $6,170 per year or $514 per month
  • 30 year old – $3,272 per year or $273 per month
  • 40 year old – $3,068 per year or $256 per month
  • 50 year old – $2,718 per year or $227 per month
  • 60 year old – $2,544 per year or $212 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 October 24, 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$10,922$10,202
17-Year-Old$10,580$10,140
18-Year-Old$9,482$8,752
19-Year-Old$8,634$7,302

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 October 24, 2025

Auto insurance for a 16-year-old female in Tampa costs an average of $720 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 $1,332 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 October 24, 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$2,502$209
Honda CR-V$2,612$218
Honda HR-V$2,668$222
Honda Civic$2,714$226
Nissan Rogue$2,754$230
Ford Explorer$2,782$232
Ford Escape$2,796$233
Chevrolet Equinox$2,822$235
Toyota RAV4$2,828$236
Hyundai Tucson$2,850$238
Ford Ranger$2,928$244
Honda Pilot$2,986$249
Toyota Corolla$2,986$249
Jeep Grand Cherokee$3,066$256
Toyota Camry$3,294$275
Hyundai Elantra$3,330$278
Ford Mustang$3,368$281
GMC Sierra$3,386$282
Chevrolet Silverado$3,390$283
Ford F150$3,428$286
Jeep Wrangler$3,500$292
Ram Truck$3,544$295
Chevrolet Corvette$4,248$354

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 October 24, 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 $2,490 or less per year, or $208 per month, for full coverage.

Some additional vehicles that have affordable insurance prices in our car insurance price comparison are the Volkswagen Taos, Toyota GR Corolla, 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 $2,664 or less per year, or $222 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$2,266$189
2Chevrolet Trailblazer$2,304$192
3Kia Soul$2,392$199
4Nissan Kicks$2,414$201
5Honda Passport$2,442$204
6Buick Envision$2,458$205
7Toyota Corolla Cross$2,472$206
8Hyundai Venue$2,490$208
9Mazda CX-5$2,502$209
10Ford Bronco Sport$2,510$209
11Volkswagen Tiguan$2,538$212
12Acura RDX$2,564$214
13Nissan Murano$2,576$215
14Buick Encore$2,602$217
15Honda CR-V$2,612$218
16Subaru Outback$2,612$218
17Buick Envista$2,620$218
18Volkswagen Taos$2,624$219
19Kia Niro$2,638$220
20Toyota GR Corolla$2,664$222

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 October 24, 2025

Top 20 cheapest vehicles to insure in Tampa, FL with the Subaru Crosstrek ranking first at $2,266 per year
Top 20 cheapest vehicles to insure in Tampa, FL with the Subaru Crosstrek ranking first at $2,266 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 $2,664 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 $2,986 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 $222 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$2,664$222
Nissan LeafCompact$2,684$224
Honda CivicCompact$2,714$226
Nissan SentraCompact$2,810$234
Subaru ImprezaCompact$2,816$235
Toyota PriusCompact$2,864$239
Kia K5Midsize$2,954$246
Honda AccordMidsize$2,962$247
Chevrolet MalibuMidsize$2,976$248
Toyota CorollaCompact$2,986$249
Kia ForteCompact$2,996$250
Volkswagen ArteonMidsize$3,014$251
Nissan VersaCompact$3,022$252
Subaru LegacyMidsize$3,024$252
Hyundai Ioniq 6Midsize$3,050$254
Mitsubishi Mirage G4Compact$3,094$258
Toyota CrownMidsize$3,102$259
Volkswagen JettaCompact$3,102$259
Hyundai SonataMidsize$3,106$259
Mazda 3Compact$3,170$264

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 October 24, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Tampa, FL, with the Toyota GR Corolla ranking first at $2,664 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Tampa, FL, with the Toyota GR Corolla ranking first at $2,664 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 $2,266 per year. Second place is the Chevrolet Trailblazer at $2,304 per year, ranking third is the Kia Soul, at an average of $2,392 per year, and fourth place goes to the Nissan Kicks, costing an average of $2,414 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 $2,510 per year or less.

Ranked in the lower half of the top 20, SUVs like the Honda CR-V, Kia Niro, Volkswagen Tiguan, Subaru Outback, and Buick Encore average between $2,510 and $2,670 per year to insure.

From a cost per month standpoint, car insurance in this segment for a middle-age safe driver starts at around $189 per month, depending on your company and location.

The lowest-cost compact SUV to insure in Tampa is the Subaru Crosstrek at $2,266 per year. For midsize models, the Honda Passport is the cheapest model to insure at $2,442 per year. And for large SUVs, the Chevrolet Tahoe has the most affordable rates at $2,880 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$2,266$189
Chevrolet TrailblazerCompact$2,304$192
Kia SoulCompact$2,392$199
Nissan KicksCompact$2,414$201
Honda PassportMidsize$2,442$204
Buick EnvisionCompact$2,458$205
Toyota Corolla CrossCompact$2,472$206
Hyundai VenueCompact$2,490$208
Mazda CX-5Compact$2,502$209
Ford Bronco SportCompact$2,510$209
Volkswagen TiguanCompact$2,538$212
Nissan MuranoMidsize$2,576$215
Buick EncoreCompact$2,602$217
Honda CR-VCompact$2,612$218
Subaru OutbackMidsize$2,612$218
Buick EnvistaMidsize$2,620$218
Volkswagen TaosCompact$2,624$219
Kia NiroCompact$2,638$220
Honda HR-VCompact$2,668$222
Subaru AscentMidsize$2,670$223

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 October 24, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Tampa, FL, with the Subaru Crosstrek ranking first at $2,266 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Tampa, FL, with the Subaru Crosstrek ranking first at $2,266 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 $2,836 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 $3,666 per year or less.

As a cost per month, auto insurance rates in this segment for a middle-age safe driver starts at around $236 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$2,836$236
Toyota GR86Sports Car$3,230$269
Ford MustangSports Car$3,368$281
BMW Z4Sports Car$3,386$282
Subaru WRXSports Car$3,438$287
Toyota GR SupraSports Car$3,444$287
BMW M2Sports Car$3,544$295
Nissan ZSports Car$3,552$296
Lexus RC FSports Car$3,622$302
Subaru BRZSports Car$3,666$306
BMW M3Sports Car$3,872$323
Porsche 718Sports Car$3,948$329
Chevrolet CamaroSports Car$3,984$332
Chevrolet CorvetteSports Car$4,248$354
Porsche 911Sports Car$4,394$366
BMW M4Sports Car$4,576$381
Lexus LC 500Sports Car$4,600$383
Jaguar F-TypeSports Car$4,838$403
Mercedes-Benz AMG GT53Sports Car$5,076$423
Porsche TaycanSports Car$5,192$433

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 October 24, 2025

Ranking of the cheapest sports cars to insure in Tampa, FL, with the Mazda MX-5 Miata ranking first at $2,836 per year.
Ranking of the cheapest sports cars to insure in Tampa, FL, with the Mazda MX-5 Miata ranking first at $2,836 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 $2,700 per year. Second place is the Nissan Titan costing $2,870 per year, and ranking third is the Nissan Frontier, costing an average of $2,898 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 $3,154 per year or less.

Auto insurance rates in this segment for an average middle-age driver starts at around $225 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 $225 per month and ending with the Ram Truck at $295 per month.

Cheapest Pickups to Insure in Tampa, FL
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,700$225
Nissan TitanFull-size$2,870$239
Nissan FrontierMidsize$2,898$242
Ford RangerMidsize$2,928$244
Ford MaverickMidsize$2,976$248
Honda RidgelineMidsize$3,040$253
Hyundai Santa CruzMidsize$3,092$258
Toyota TacomaMidsize$3,108$259
GMC Sierra 2500 HDHeavy Duty$3,120$260
GMC CanyonMidsize$3,154$263
Jeep GladiatorMidsize$3,232$269
GMC Sierra 3500Heavy Duty$3,250$271
Chevrolet Silverado HD 3500Heavy Duty$3,278$273
Chevrolet Silverado HD 2500Heavy Duty$3,364$280
GMC SierraFull-size$3,386$282
Nissan Titan XDHeavy Duty$3,388$282
Chevrolet SilveradoFull-size$3,390$283
Ford F150Full-size$3,428$286
GMC Hummer EV PickupFull-size$3,516$293
Ram TruckFull-size$3,544$295

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 October 24, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Tampa, FL, with the Chevrolet Colorado ranking first at $2,700 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 $2,700 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 $2,726 per year. Second place is the BMW 330i at $3,120 per year, and the third most affordable is the Mercedes-Benz CLA250, costing an average of $3,154 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 $3,222 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 $3,222 and $3,438 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 $227 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 $2,726 per year and ending with the Audi S3 at $3,438 per year.

Cheapest Luxury Cars to Insure in Tampa, FL
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,726$227
BMW 330iCompact$3,120$260
Mercedes-Benz CLA250Midsize$3,154$263
Lexus IS 300Midsize$3,162$264
Acura TLXCompact$3,172$264
Cadillac CT4Compact$3,202$267
Lexus ES 350Midsize$3,202$267
Genesis G70Compact$3,210$268
Mercedes-Benz AMG CLA35Midsize$3,216$268
Lexus RC 300Midsize$3,222$269
Lexus IS 350Compact$3,236$270
Jaguar XFMidsize$3,244$270
Cadillac CT5Midsize$3,304$275
Lexus ES 250Midsize$3,316$276
Lexus RC 350Compact$3,326$277
BMW 330eCompact$3,330$278
BMW 228iCompact$3,334$278
BMW 230iCompact$3,360$280
Lexus ES 300hMidsize$3,366$281
Audi S3Compact$3,438$287

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 October 24, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Tampa, FL, with the Acura Integra ranking first at $2,726 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Tampa, FL, with the Acura Integra ranking first at $2,726 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 $241 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 $2,956 per year or less.

From a monthly standpoint, car insurance rates on this segment in Tampa starts at an average of $214 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 $2,564 per year, or $214 per month. For midsize luxury SUV models, the Jaguar E-Pace has the cheapest rates at $2,866 per year, or $239 per month. And for full-size luxury SUV models, the Infiniti QX80 has the cheapest rates at $3,438 per year, or $287 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$2,564$214
Lexus NX 250Compact$2,714$226
Cadillac XT4Compact$2,768$231
Jaguar E-PaceMidsize$2,866$239
Lexus NX 350hCompact$2,892$241
Cadillac XT5Midsize$2,894$241
Lincoln CorsairCompact$2,928$244
Mercedes-Benz GLB 250Compact$2,934$245
Lexus UX 250hCompact$2,940$245
Lexus NX 450hCompact$2,956$246
Infiniti QX50Midsize$2,980$248
Mercedes-Benz GLA250Compact$2,990$249
Mercedes-Benz GLA35 AMGCompact$2,998$250
Cadillac XT6Midsize$3,000$250
Infiniti QX60Midsize$3,016$251
Mercedes-Benz AMG GLB35Midsize$3,020$252
Land Rover EvoqueCompact$3,060$255
Acura MDXMidsize$3,064$255
Lexus NX 350Compact$3,074$256
Lexus RX 350Midsize$3,078$257

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 October 24, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Tampa, FL, with the Acura RDX ranking first at $2,564 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Tampa, FL, with the Acura RDX ranking first at $2,564 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 $3,544 per year, or about $295 per month, and varies from $2,942 to $8,170.

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 October 24, 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$8,170$681
Safe Driver Age 20$7,148$596
At-fault Accidents Age 40$5,026$419
Low Deductibles Age 40$4,636$386
Safe Driver Age 30$3,784$315
Safe Driver Age 40$3,544$295
Safe Driver Age 50$3,142$262
High Deductibles Age 40$2,982$249
Discount Rate Age 40$2,942$245
Safe Driver Age 60$2,938$245

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 October 24, 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 $2,986 per year, or around $249 per month, and has a range of $2,478 to $6,846 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 October 24, 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$6,846$571
Safe Driver Age 20$5,974$498
At-fault Accidents Age 40$4,236$353
Low Deductibles Age 40$3,830$319
Safe Driver Age 30$3,176$265
Safe Driver Age 40$2,986$249
Safe Driver Age 50$2,660$222
High Deductibles Age 40$2,546$212
Safe Driver Age 60$2,486$207
Discount Rate Age 40$2,478$207

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 October 24, 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 $2,612 per year (about $218 per month) and varies from $2,174 to $6,008 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 October 24, 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$6,008$501
Safe Driver Age 20$5,256$438
At-fault Accidents Age 40$3,698$308
Low Deductibles Age 40$3,408$284
Safe Driver Age 30$2,786$232
Safe Driver Age 40$2,612$218
Safe Driver Age 50$2,322$194
High Deductibles Age 40$2,204$184
Safe Driver Age 60$2,174$181
Discount Rate Age 40$2,174$181

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 October 24, 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 $4,376 per year for a 20-year-old driver and even as much as $750 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 $382 per year for a 40-year-old driver and $742 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 $812 per year.
  • Check your credit score. Having a high credit score of 800+ could save as much as $482 per year versus a credit score between 670-739. Conversely, a weaker credit score could cost around $558 more per year. Not all states use credit score as a rating factor, so check with your agent or company.