Tampa Car Insurance Cost – Cheapest Rates + Comparisons for 2022

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 $2,860 per year, or approximately $238 per month, for a full-coverage policy.
  • Tampa, FL, car insurance costs $632 per year more than the Florida state average ($2,228) and $1,293 per year more than the United States national average ($1,567).
  • Auto insurance rates for a few popular models in Tampa include the GMC Sierra at $2,916 per year, Toyota Highlander at $2,878, and Toyota RAV4 at $2,704.
  • Small crossovers like the Nissan Kicks, Subaru Crosstrek, Hyundai Venue, and Kia Seltos 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 $2,860 per year, which is 82.5% more than the overall U.S. national average rate of $1,567 per year. The average monthly cost of car insurance in Tampa is $238 for a full coverage policy.

Average car insurance cost in Florida is $2,228 per year, so Tampa, FL, drivers pay an average of $632 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 $700 per year more expensive than in Jacksonville, $646 per year more than in Orlando, and $80 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Tampa car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Tampa zip codes.Data last updated on June 24, 2022
Average Car Insurance Cost in Tampa, FL
Average Car Insurance Cost in Tampa, FL
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$4,822$402
$500$5,680$473
$250$6,582$549
30$1,000$2,532$211
$500$3,012$251
$250$3,514$293
40$1,000$2,420$202
$500$2,860$238
$250$3,320$277
50$1,000$2,206$184
$500$2,602$217
$250$3,018$252
60$1,000$2,168$181
$500$2,556$213
$250$2,964$247

In the chart above, the cost of auto insurance in Tampa ranges from $2,168 per year for a 60-year-old driver with a high deductible policy to $6,582 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 $181 to $549 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 – $10,248 per year or $854 per month
  • 17 year old – $9,572 per year or $798 per month
  • 18 year old – $8,938 per year or $745 per month
  • 19 year old – $8,086 per year or $674 per month
  • 20 year old – $5,680 per year or $473 per month
  • 30 year old – $3,012 per year or $251 per month
  • 40 year old – $2,860 per year or $238 per month
  • 50 year old – $2,602 per year or $217 per month
  • 60 year old – $2,556 per year or $213 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Teenage driver rates are for the 2022 model year with $500 physical damage deductibles. Average car insurance cost in Tampa includes all Zip Codes and vehicle trim levels.Data last updated on June 24, 2022
Average Car Insurance Cost for Teenagers in Tampa, Florida
Average Car Insurance Cost in Tampa, FL for Teenage Drivers
Teen Driver Gender Age 16 Age 17 Age 18 Age 19
Male$10,248$9,572$8,938$8,086
Female$9,022$8,510$7,752$7,188

Auto insurance for a 16-year-old female in Tampa costs an average of $1,226 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 $898 more per year.

The auto insurance rates mentioned previously consist of an average based on every 2022 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Tampa car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Tampa Zip Codes.Data last updated on June 24, 2022
Tampa, FL, Car Insurance Rates for Popular Vehicles
Tampa, FL, Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Mazda CX-5$2,178$182
Honda CR-V$2,506$209
Ford Ranger$2,542$212
Honda HR-V$2,572$214
Hyundai Tucson$2,660$222
Chevrolet Equinox$2,672$223
Ford Explorer$2,690$224
Toyota RAV4$2,704$225
Ford F150$2,768$231
Nissan Rogue$2,802$234
Ford Escape$2,814$235
Toyota Corolla$2,814$235
Toyota Camry$2,816$235
Honda Civic$2,832$236
Honda Pilot$2,904$242
GMC Sierra$2,916$243
Ford Mustang$3,018$252
Chevrolet Silverado$3,074$256
Jeep Grand Cherokee$3,156$263
Jeep Cherokee$3,180$265
Hyundai Elantra$3,228$269
Ram Truck$3,272$273
Jeep Wrangler$3,278$273
Chevrolet Corvette$3,604$300

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 Nissan Kicks, Mazda CX-5, and Toyota C-HR. Average car insurance quotes for those compact SUVs cost $2,386 or less per year, or $199 per month, for full coverage.

Some additional vehicles that have affordable insurance prices in our car insurance price comparison are the Subaru Forester, Volkswagen Tiguan, Kia Seltos, and Acura RDX. 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 $2,486 or less per year, or $207 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 Cost Monthly Cost
1Mazda CX-5$2,178$182
2Nissan Kicks$2,232$186
3Chevrolet Trailblazer$2,248$187
4Honda Passport$2,298$192
5Subaru Crosstrek$2,298$192
6Toyota C-HR$2,354$196
7Chevrolet Colorado$2,356$196
8Buick Encore$2,364$197
9Nissan Rogue Sport$2,386$199
10Hyundai Venue$2,428$202
11Buick Envision$2,436$203
12Kia Seltos$2,440$203
13Ford Maverick$2,448$204
14Acura RDX$2,454$205
15Subaru Ascent$2,458$205
16Toyota Corolla Cross$2,458$205
17Hyundai Kona$2,472$206
18Subaru Forester$2,478$207
19Mazda MX-5 Miata$2,480$207
20Subaru Impreza$2,484$207

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Tampa, FL.Data last updated on June 24, 2022
    Cheapest Car Insurance Rates in Tampa, Florida

    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 Subaru Impreza takes the #1 ranking as the most budget-friendly non-luxury sedan or hatchback to insure in Tampa, followed closely by the Chevrolet Spark, Volkswagen Golf, Subaru Legacy, and Volkswagen Jetta. The 2022 model averages $2,484 per year for full-coverage auto insurance.

    Some other cars that have cheaper rates are the Toyota Camry, Nissan Sentra, Honda Insight, and Toyota Corolla, with average cost of $2,816 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 $207 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/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$2,484$207
    Chevrolet SparkCompact$2,496$208
    Volkswagen GolfCompact$2,748$229
    Subaru LegacyMidsize$2,774$231
    Honda InsightMidsize$2,782$232
    Volkswagen JettaCompact$2,782$232
    Nissan SentraCompact$2,792$233
    Kia K5Midsize$2,812$234
    Toyota CorollaCompact$2,814$235
    Toyota CamryMidsize$2,816$235
    Kia RioCompact$2,824$235
    Volkswagen PassatMidsize$2,828$236
    Honda CivicCompact$2,832$236
    Mazda 3Compact$2,846$237
    Mazda 6Midsize$2,850$238
    Toyota PriusCompact$2,860$238
    Hyundai AccentCompact$2,898$242
    Hyundai VelosterCompact$2,922$244
    Kia ForteCompact$2,930$244
    Chevrolet MalibuMidsize$2,974$248

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Tampa, FL.Data last updated on June 24, 2022
      Cheapest Cars to Insure in Tampa, FL

      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 Mazda CX-5, coming in at $2,178 per year. Second place is the Nissan Kicks at $2,232 per year, ranking third is the Chevrolet Trailblazer, at an average of $2,248 per year, and fourth place goes to the Honda Passport, costing an average of $2,298 per year.

      Not the cheapest, but still very affordable, are SUVs like the Buick Encore, Buick Envision, Toyota C-HR, and Hyundai Venue, with an average cost of $2,436 per year or less.

      Ranked in the lower half of the top 20, SUVs like the Subaru Forester, Mazda CX-30, Kia Seltos, Hyundai Kona, and Toyota Corolla Cross average between $2,436 and $2,578 per year to insure.

      From a cost per month standpoint, car insurance in this segment for a middle-age safe driver starts at around $182 per month, depending on your company and location.

      The lowest-cost compact SUV to insure in Tampa is the Mazda CX-5 at $2,178 per year. For midsize models, the Honda Passport is the cheapest model to insure at $2,298 per year. And for large SUVs, the Chevrolet Tahoe has the most affordable rates at $2,874 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/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$2,178$182
      Nissan KicksCompact$2,232$186
      Chevrolet TrailblazerCompact$2,248$187
      Honda PassportMidsize$2,298$192
      Subaru CrosstrekCompact$2,298$192
      Toyota C-HRCompact$2,354$196
      Buick EncoreCompact$2,364$197
      Nissan Rogue SportCompact$2,386$199
      Hyundai VenueCompact$2,428$202
      Buick EnvisionCompact$2,436$203
      Kia SeltosCompact$2,440$203
      Subaru AscentMidsize$2,458$205
      Toyota Corolla CrossCompact$2,458$205
      Hyundai KonaCompact$2,472$206
      Subaru ForesterCompact$2,478$207
      Volkswagen TiguanCompact$2,486$207
      Honda CR-VCompact$2,506$209
      Mazda CX-30Compact$2,532$211
      Honda HR-VCompact$2,572$214
      Ford EdgeMidsize$2,578$215

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Tampa, FL.Data last updated on June 24, 2022
        Cheapest SUVs to Insure in Tampa, FL

        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 Ford Mustang, BMW Z4, Subaru WRX, and Toyota GR86. The 2022 model averages $2,480 per year for a policy with full coverage.

        Rounding out the top 10 are models like the Toyota GR Supra, Subaru BRZ, BMW M3, and Chevrolet Corvette, with an average car insurance cost of $3,704 per year or less.

        As a cost per month, auto insurance rates in this segment for a middle-age safe driver starts at around $207 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/Model Vehicle Type Annual Cost Monthly Cost
        Mazda MX-5 MiataSports Car$2,480$207
        Ford MustangSports Car$3,018$252
        BMW Z4Sports Car$3,082$257
        Subaru WRXSports Car$3,254$271
        Toyota GR86Sports Car$3,336$278
        Toyota GR SupraSports Car$3,410$284
        Audi TTSports Car$3,484$290
        Subaru BRZSports Car$3,590$299
        Chevrolet CorvetteSports Car$3,604$300
        BMW M3Sports Car$3,704$309
        Porsche 718Sports Car$3,872$323
        Chevrolet CamaroSports Car$3,966$331
        Lexus RC FSports Car$4,060$338
        Dodge ChallengerSports Car$4,072$339
        Mercedes-Benz AMG GT53Sports Car$4,134$345
        Jaguar F-TypeSports Car$4,324$360
        Porsche TaycanSports Car$4,442$370
        Porsche 911Sports Car$4,548$379
        BMW M4Sports Car$4,560$380
        Lexus LC 500Sports Car$4,718$393

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Tampa, FL.Data last updated on June 24, 2022
          Cheapest Sports Cars to Insure in Tampa, FL

          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 $2,356 per year. Second place is the Ford Maverick costing $2,448 per year, and ranking third is the Ford Ranger, costing an average of $2,542 per year.

          Rounding out the top 10 are trucks like the Ford F150, GMC Canyon, Jeep Gladiator, and Honda Ridgeline, with average insurance cost of $2,812 per year or less.

          Auto insurance rates in this segment for an average middle-age driver starts at around $196 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 $196 per month and ending with the GMC Sierra 3500 at $280 per month.

          Cheapest Pickups to Insure in Tampa, FL
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Chevrolet ColoradoMidsize$2,356$196
          Ford MaverickMidsize$2,448$204
          Ford RangerMidsize$2,542$212
          Toyota TacomaMidsize$2,658$222
          Nissan FrontierMidsize$2,728$227
          Hyundai Santa CruzMidsize$2,750$229
          GMC CanyonMidsize$2,756$230
          Ford F150Full-size$2,768$231
          Honda RidgelineMidsize$2,788$232
          Jeep GladiatorMidsize$2,812$234
          GMC SierraFull-size$2,916$243
          Nissan TitanFull-size$3,020$252
          Chevrolet SilveradoFull-size$3,074$256
          Toyota TundraFull-size$3,078$257
          Ford F350 Super DutyHeavy Duty$3,108$259
          Chevrolet Silverado HD 3500Heavy Duty$3,132$261
          Nissan Titan XDHeavy Duty$3,216$268
          Ram TruckFull-size$3,272$273
          GMC Sierra 2500 HDHeavy Duty$3,340$278
          GMC Sierra 3500Heavy Duty$3,364$280

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Tampa, FL.Data last updated on June 24, 2022
            Cheapest Pickups to Insure in Tampa, FL

            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 ILX, with an average cost of $2,634 per year. Second place is the Mercedes-Benz A220 at $2,814 per year, and the third most affordable is the BMW 330i, costing an average of $3,026 per year.

            Additional models that have cheaper rates are the BMW 330e, Lexus RC 300, BMW 228i, and Alfa Romeo Giulia, with an average cost of $3,176 per year or less.

            Some additional 2022 models that made the list include the Mercedes-Benz AMG CLA45, Cadillac CT5, Lexus RC 350, Cadillac CT4, and Audi S3, which average between $3,176 and $3,328 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 $220 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 ILX at $2,634 per year and ending with the Audi S3 at $3,328 per year.

            Cheapest Luxury Cars to Insure in Tampa, FL
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura ILXMidsize$2,634$220
            Mercedes-Benz A220Compact$2,814$235
            BMW 330iCompact$3,026$252
            Acura TLXCompact$3,040$253
            Volvo S60Compact$3,070$256
            BMW 330eCompact$3,082$257
            BMW 228iCompact$3,100$258
            BMW 230iCompact$3,120$260
            Lexus RC 300Midsize$3,172$264
            Alfa Romeo GiuliaCompact$3,176$265
            Cadillac CT4Compact$3,178$265
            Lexus RC 350Compact$3,188$266
            Genesis G70Compact$3,230$269
            Mercedes-Benz AMG CLA35Midsize$3,250$271
            BMW i4Midsize$3,266$272
            Cadillac CT5Midsize$3,276$273
            Audi A3Midsize$3,308$276
            Audi A4Compact$3,314$276
            Mercedes-Benz AMG CLA45Midsize$3,324$277
            Audi S3Compact$3,328$277

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Tampa, FL.Data last updated on June 24, 2022
              Cheapest Luxury Cars to Insure in Tampa, FL

              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 Volvo XC40, Cadillac XT5, Acura RDX, Lexus NX 250, and Cadillac XT4. Rates for these vehicles average $237 or less per month.

              Also ranking well in our comparison are models like the Lexus NX 350, Lexus UX 250h, Lexus UX 200, and Lexus NX 350h, with average annual insurance rates of $2,926 per year or less.

              From a monthly standpoint, car insurance rates on this segment in Tampa starts at an average of $205 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 $2,454 per year, or $205 per month. For midsize luxury SUV models, the Cadillac XT5 has the cheapest rates at $2,814 per year, or $235 per month. And for full-size luxury SUV models, the Volvo XC90 has the cheapest rates at $3,098 per year, or $258 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/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$2,454$205
              Cadillac XT4Compact$2,514$210
              Volvo XC40Compact$2,756$230
              Cadillac XT5Midsize$2,814$235
              Lexus NX 250Compact$2,846$237
              BMW X1Compact$2,852$238
              Lexus NX 350hCompact$2,868$239
              Lexus UX 250hCompact$2,872$239
              Lexus NX 350Compact$2,916$243
              Lexus UX 200Compact$2,926$244
              Jaguar E-PaceMidsize$2,936$245
              Lexus RX 350Midsize$2,946$246
              Acura MDXMidsize$2,962$247
              Lincoln NautilusMidsize$2,992$249
              Lexus NX 450hCompact$2,998$250
              Mercedes-Benz GLB 250Compact$3,008$251
              Lexus RX 450hMidsize$3,018$252
              Infiniti QX50Midsize$3,028$252
              Land Rover EvoqueCompact$3,028$252
              Lincoln CorsairCompact$3,034$253

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Tampa, FL.Data last updated on June 24, 2022
                Cheapest Luxury SUVs to Insure in Tampa, FL

                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 $3,272 per year, or about $273 per month, and varies from $2,712 to $7,412.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 24, 2022
                Ram Truck Insurance Cost in Tampa, Florida
                Ram Truck Insurance Cost in Tampa, FL
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$7,412$618
                Safe Driver Age 20$6,494$541
                At-fault Accidents Age 40$4,626$386
                Low Deductibles Age 40$4,204$350
                Safe Driver Age 30$3,430$286
                Safe Driver Age 40$3,272$273
                Safe Driver Age 50$2,980$248
                Safe Driver Age 60$2,924$244
                High Deductibles Age 40$2,790$233
                Discount Rate Age 40$2,712$226

                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 $2,814 per year, or around $235 per month, and has a range of $2,336 to $6,302 per year.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 24, 2022
                Toyota Corolla Insurance Cost in Tampa, Florida
                Toyota Corolla Insurance Cost in Tampa, FL
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$6,302$525
                Safe Driver Age 20$5,524$460
                At-fault Accidents Age 40$3,984$332
                Low Deductibles Age 40$3,490$291
                Safe Driver Age 30$2,924$244
                Safe Driver Age 40$2,814$235
                Safe Driver Age 50$2,566$214
                Safe Driver Age 60$2,512$209
                High Deductibles Age 40$2,454$205
                Discount Rate Age 40$2,336$195

                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 $2,506 per year (about $209 per month) and varies from $2,080 to $5,708 for the driver characteristics displayed in the next chart.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 24, 2022
                Honda CR-V Insurance Cost in Tampa, Florida
                Honda CR-V Insurance Cost in Tampa, FL
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$5,708$476
                Safe Driver Age 20$5,000$417
                At-fault Accidents Age 40$3,546$296
                Low Deductibles Age 40$3,254$271
                Safe Driver Age 30$2,636$220
                Safe Driver Age 40$2,506$209
                Safe Driver Age 50$2,286$191
                Safe Driver Age 60$2,246$187
                High Deductibles Age 40$2,124$177
                Discount Rate Age 40$2,080$173

                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 $3,992 per year for a 20-year-old driver and even as much as $868 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 $236 per year for a 40-year-old driver and $456 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 $750 per year.
                • Check your credit score. Having a high credit score of 800+ could save as much as $449 per year versus a credit score between 670-739. Conversely, a weaker credit score could cost around $521 more per year. Not all states use credit score as a rating factor, so check with your agent or company.