- Average car insurance cost in Tampa is $2,578 per year, or approximately $215 per month, for a full-coverage policy.
- Tampa, FL, car insurance costs $276 per year more than the Florida state average ($2,302) and $695 per year more than the United States national average ($1,883).
- Auto insurance rates for a few popular models in Tampa include the GMC Sierra at $2,846 per year, Toyota Highlander at $2,346, and Toyota RAV4 at $2,374.
- 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 $2,578 per year, which is 31.2% more than the overall U.S. national average rate of $1,883 per year. The average monthly cost of car insurance in Tampa is $215 for a full coverage policy.
Average car insurance cost in Florida is $2,302 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, $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.
In the chart above, the cost of auto insurance in Tampa ranges from $1,810 per year for a 60-year-old driver with a high deductible policy to $6,032 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 $151 to $503 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 – $9,188 per year or $766 per month
- 17 year old – $8,900 per year or $742 per month
- 18 year old – $7,976 per year or $665 per month
- 19 year old – $7,264 per year or $605 per month
- 20 year old – $5,188 per year or $432 per month
- 30 year old – $2,754 per year or $230 per month
- 40 year old – $2,578 per year or $215 per month
- 50 year old – $2,286 per year or $191 per month
- 60 year old – $2,140 per year or $178 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.
Auto insurance for a 16-year-old female in Tampa costs an average of $611 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 $1,125 more per year.
Car insurance cost for popular vehicles
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.
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 $2,094 or less per year, or $175 per month, for full coverage.
Some additional vehicles that have affordable insurance prices in our car insurance price comparison are the Chevrolet Colorado, Kia Niro, 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 $2,212 or less per year, or $184 per month in Tampa.
The next table ranks the vehicles with the cheapest overall insurance rates in Tampa, sorted by average cost.
Rank | Make/Model | Annual Premium | Cost Per Month |
---|---|---|---|
1 | Subaru Crosstrek | $1,906 | $159 |
2 | Chevrolet Trailblazer | $1,938 | $162 |
3 | Kia Soul | $2,014 | $168 |
4 | Nissan Kicks | $2,030 | $169 |
5 | Honda Passport | $2,056 | $171 |
6 | Buick Envision | $2,068 | $172 |
7 | Toyota Corolla Cross | $2,078 | $173 |
8 | Hyundai Venue | $2,094 | $175 |
9 | Mazda CX-5 | $2,106 | $176 |
10 | Ford Bronco Sport | $2,112 | $176 |
11 | Volkswagen Tiguan | $2,134 | $178 |
12 | Acura RDX | $2,158 | $180 |
13 | Nissan Murano | $2,168 | $181 |
14 | Buick Encore | $2,190 | $183 |
15 | Subaru Outback | $2,198 | $183 |
16 | Honda CR-V | $2,200 | $183 |
17 | Buick Envista | $2,206 | $184 |
18 | Chevrolet Colorado | $2,208 | $184 |
19 | Volkswagen Taos | $2,210 | $184 |
20 | Kia Niro | $2,212 | $184 |
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 February 23, 2024
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 $2,242 per year for full-coverage auto insurance.
Some other cars that have cheaper rates are the Chevrolet Malibu, Toyota Prius, Hyundai Ioniq 6, and Honda Accord, with average cost of $2,502 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 $187 per month, depending on the company. The rate comparison table below ranks the twenty cars with the lowest-cost auto insurance rates in Tampa.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Toyota GR Corolla | Compact | $2,242 | $187 |
Nissan Leaf | Compact | $2,258 | $188 |
Honda Civic | Compact | $2,284 | $190 |
Nissan Sentra | Compact | $2,364 | $197 |
Subaru Impreza | Compact | $2,370 | $198 |
Hyundai Ioniq 6 | Midsize | $2,372 | $198 |
Toyota Prius | Compact | $2,410 | $201 |
Kia K5 | Midsize | $2,484 | $207 |
Honda Accord | Midsize | $2,490 | $208 |
Chevrolet Malibu | Midsize | $2,502 | $209 |
Toyota Corolla | Compact | $2,512 | $209 |
Kia Forte | Compact | $2,518 | $210 |
Volkswagen Arteon | Midsize | $2,536 | $211 |
Nissan Versa | Compact | $2,540 | $212 |
Subaru Legacy | Midsize | $2,546 | $212 |
Mitsubishi Mirage G4 | Compact | $2,602 | $217 |
Toyota Crown | Midsize | $2,610 | $218 |
Volkswagen Jetta | Compact | $2,610 | $218 |
Hyundai Sonata | Midsize | $2,614 | $218 |
Mazda 3 | Compact | $2,666 | $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 February 23, 2024
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 $1,906 per year. Second place is the Chevrolet Trailblazer at $1,938 per year, ranking third is the Kia Soul, at an average of $2,014 per year, and fourth place goes to the Nissan Kicks, costing an average of $2,030 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 $2,112 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 $2,112 and $2,244 per year to insure.
From a cost per month standpoint, car insurance in this segment for a middle-age safe driver starts at around $159 per month, depending on your company and location.
The lowest-cost compact SUV to insure in Tampa is the Subaru Crosstrek at $1,906 per year. For midsize models, the Honda Passport is the cheapest model to insure at $2,056 per year. And for large SUVs, the Chevrolet Tahoe has the most affordable rates at $2,422 per year.
The comparison table below ranks the SUVs with the most affordable car insurance rates in Tampa.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Subaru Crosstrek | Compact | $1,906 | $159 |
Chevrolet Trailblazer | Compact | $1,938 | $162 |
Kia Soul | Compact | $2,014 | $168 |
Nissan Kicks | Compact | $2,030 | $169 |
Honda Passport | Midsize | $2,056 | $171 |
Buick Envision | Compact | $2,068 | $172 |
Toyota Corolla Cross | Compact | $2,078 | $173 |
Hyundai Venue | Compact | $2,094 | $175 |
Mazda CX-5 | Compact | $2,106 | $176 |
Ford Bronco Sport | Compact | $2,112 | $176 |
Volkswagen Tiguan | Compact | $2,134 | $178 |
Nissan Murano | Midsize | $2,168 | $181 |
Buick Encore | Compact | $2,190 | $183 |
Subaru Outback | Midsize | $2,198 | $183 |
Honda CR-V | Compact | $2,200 | $183 |
Buick Envista | Midsize | $2,206 | $184 |
Volkswagen Taos | Compact | $2,210 | $184 |
Kia Niro | Compact | $2,212 | $184 |
Honda HR-V | Compact | $2,244 | $187 |
Subaru Ascent | Midsize | $2,244 | $187 |
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 February 23, 2024
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 $2,388 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 $3,082 per year or less.
As a cost per month, auto insurance rates in this segment for a middle-age safe driver starts at around $199 per month, depending on the company. The comparison table below ranks the twenty sports cars with the cheapest insurance in Tampa.
Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
---|---|---|---|
Mazda MX-5 Miata | Sports Car | $2,388 | $199 |
Toyota GR86 | Sports Car | $2,718 | $227 |
Ford Mustang | Sports Car | $2,834 | $236 |
BMW Z4 | Sports Car | $2,848 | $237 |
Subaru WRX | Sports Car | $2,892 | $241 |
Toyota GR Supra | Sports Car | $2,896 | $241 |
BMW M2 | Sports Car | $2,980 | $248 |
Nissan Z | Sports Car | $2,988 | $249 |
Lexus RC F | Sports Car | $3,050 | $254 |
Subaru BRZ | Sports Car | $3,082 | $257 |
BMW M3 | Sports Car | $3,256 | $271 |
Porsche 718 | Sports Car | $3,320 | $277 |
Chevrolet Camaro | Sports Car | $3,350 | $279 |
Chevrolet Corvette | Sports Car | $3,572 | $298 |
Porsche 911 | Sports Car | $3,698 | $308 |
BMW M4 | Sports Car | $3,848 | $321 |
Lexus LC 500 | Sports Car | $3,870 | $323 |
Jaguar F-Type | Sports Car | $4,070 | $339 |
Mercedes-Benz AMG GT53 | Sports Car | $4,270 | $356 |
Porsche Taycan | Sports Car | $4,368 | $364 |
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 February 23, 2024
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 $2,208 per year. Second place is the Nissan Titan costing $2,412 per year, and ranking third is the Nissan Frontier, costing an average of $2,438 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 $2,652 per year or less.
Auto insurance rates in this segment for an average middle-age driver starts at around $184 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 $184 per month and ending with the Ram Truck at $249 per month.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Chevrolet Colorado | Midsize | $2,208 | $184 |
Nissan Titan | Full-size | $2,412 | $201 |
Nissan Frontier | Midsize | $2,438 | $203 |
Ford Ranger | Midsize | $2,464 | $205 |
Ford Maverick | Midsize | $2,502 | $209 |
Honda Ridgeline | Midsize | $2,558 | $213 |
Hyundai Santa Cruz | Midsize | $2,602 | $217 |
Toyota Tacoma | Midsize | $2,614 | $218 |
GMC Sierra 2500 HD | Heavy Duty | $2,622 | $219 |
GMC Canyon | Midsize | $2,652 | $221 |
Jeep Gladiator | Midsize | $2,718 | $227 |
GMC Sierra 3500 | Heavy Duty | $2,734 | $228 |
Chevrolet Silverado HD 3500 | Heavy Duty | $2,756 | $230 |
Chevrolet Silverado HD 2500 | Heavy Duty | $2,832 | $236 |
GMC Sierra | Full-size | $2,846 | $237 |
Chevrolet Silverado | Full-size | $2,850 | $238 |
Nissan Titan XD | Heavy Duty | $2,850 | $238 |
Ford F150 | Full-size | $2,884 | $240 |
GMC Hummer EV Pickup | Full-size | $2,958 | $247 |
Ram Truck | Full-size | $2,982 | $249 |
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 February 22, 2024
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 $2,294 per year. Second place is the BMW 330i at $2,626 per year, and the third most affordable is the Mercedes-Benz CLA250, costing an average of $2,656 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 $2,712 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 $2,712 and $2,892 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 $191 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 $2,294 per year and ending with the Audi S3 at $2,892 per year.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura Integra | Compact | $2,294 | $191 |
BMW 330i | Compact | $2,626 | $219 |
Mercedes-Benz CLA250 | Midsize | $2,656 | $221 |
Lexus IS 300 | Midsize | $2,658 | $222 |
Acura TLX | Compact | $2,668 | $222 |
Lexus ES 350 | Midsize | $2,692 | $224 |
Cadillac CT4 | Compact | $2,694 | $225 |
Genesis G70 | Compact | $2,700 | $225 |
Mercedes-Benz AMG CLA35 | Midsize | $2,706 | $226 |
Lexus RC 300 | Midsize | $2,712 | $226 |
Lexus IS 350 | Compact | $2,716 | $226 |
Jaguar XF | Midsize | $2,728 | $227 |
Cadillac CT5 | Midsize | $2,778 | $232 |
Lexus ES 250 | Midsize | $2,790 | $233 |
Lexus RC 350 | Compact | $2,798 | $233 |
BMW 330e | Compact | $2,802 | $234 |
BMW 228i | Compact | $2,804 | $234 |
BMW 230i | Compact | $2,828 | $236 |
Lexus ES 300h | Midsize | $2,830 | $236 |
Audi S3 | Compact | $2,892 | $241 |
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 February 23, 2024
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 $203 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 $2,488 per year or less.
From a monthly standpoint, car insurance rates on this segment in Tampa starts at an average of $180 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 $2,158 per year, or $180 per month. For midsize luxury SUV models, the Jaguar E-Pace has the cheapest rates at $2,412 per year, or $201 per month. And for full-size luxury SUV models, the Infiniti QX80 has the cheapest rates at $2,892 per year, or $241 per month.
The next table ranks the twenty luxury SUVs with the lowest-cost average auto insurance rates in Tampa.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura RDX | Compact | $2,158 | $180 |
Lexus NX 250 | Compact | $2,284 | $190 |
Cadillac XT4 | Compact | $2,328 | $194 |
Jaguar E-Pace | Midsize | $2,412 | $201 |
Cadillac XT5 | Midsize | $2,434 | $203 |
Lexus NX 350h | Compact | $2,434 | $203 |
Lincoln Corsair | Compact | $2,464 | $205 |
Mercedes-Benz GLB 250 | Compact | $2,468 | $206 |
Lexus UX 250h | Compact | $2,472 | $206 |
Lexus NX 450h | Compact | $2,488 | $207 |
Infiniti QX50 | Midsize | $2,508 | $209 |
Mercedes-Benz GLA250 | Compact | $2,508 | $209 |
Mercedes-Benz GLA35 AMG | Compact | $2,522 | $210 |
Cadillac XT6 | Midsize | $2,524 | $210 |
Infiniti QX60 | Midsize | $2,538 | $212 |
Mercedes-Benz AMG GLB35 | Midsize | $2,542 | $212 |
Land Rover Evoque | Compact | $2,576 | $215 |
Acura MDX | Midsize | $2,578 | $215 |
Lexus RX 350 | Midsize | $2,580 | $215 |
Lexus NX 350 | Compact | $2,586 | $216 |
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 February 23, 2024
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 $2,982 per year, or about $249 per month, and varies from $2,472 to $6,868.
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 $2,512 per year, or around $209 per month, and has a range of $2,084 to $5,758 per year.
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 $2,200 per year (about $183 per month) and varies from $1,828 to $5,054 for the driver characteristics displayed in the next chart.
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 $3,682 per year for a 20-year-old driver and even as much as $630 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 $300 per year for a 40-year-old driver and $588 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 $688 per year.
- Check your credit score. Having a high credit score of 800+ could save as much as $405 per year versus a credit score between 670-739. Conversely, a weaker credit score could cost around $469 more per year. Not all states use credit score as a rating factor, so check with your agent or company.