Tampa is full of attractions like the Amalie Arena, Busch Gardens and beaches up and down the Gulf Coast. To get from one spot to another, however, drivers must traverse the sprawling city. There’s a lot of potential for accidents as the area’s drivers take to the many lanes of Busch Boulevard or U.S. 19. Sharing the roads with many busy drivers is a good case for solid car insurance.

We’ve gathered car insurance quote data from real Jerry customers in Tampa to show how factors like your age, location within the city and driving record can affect your rate.

Cheapest minimum coverage insurance in Tampa

Florida requires drivers to carry the following coverages:

• $10,000 in personal injury protection (PIP) coverage.
• $10,000 in property damage liability coverage.

These are the average quotes that Tampa drivers have received via Jerry for minimum coverage, from cheapest to most expensive.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Tampa

Hurricanes frequently hammer Florida and Tampa can fall in their paths. Should the heavy winds or flooding damage your car, minimum coverage won’t help cover your losses. However, full coverage could compensate you in an accident, weather-related events or if your car is stolen.

Here are the insurers offering the cheapest full coverage rates in Tampa, arranged from cheapest to most expensive, based on quotes received via Jerry.

Cheapest car insurance for young drivers in Tampa (18-29 years old)

Young drivers tend to pay the highest rates among all age groups because insurers view their lack of experience as risky. Companies may weigh that risk differently, so it’s wise to compare quotes from multiple insurers.

Here are the average premiums that young drivers in Tampa can expect to pay, based on quotes that drivers received via Jerry.

Cheapest minimum coverage for 20-year-olds

Based on Jerry's data, these insurers offer the cheapest minimum coverage quotes for 20-year-olds in Tampa.

Cheapest full coverage for 20-year-olds

These insurers offer the cheapest full coverage quotes for 20-year-olds, according to Jerry's quote data.

Cheapest car insurance for mature drivers in Tampa (25-54 years old)

Drivers between 25 and 54 years old generally get lower rates than younger drivers.

Here are the average quotes that mature drivers can expect to pay in Tampa, based on quotes received via Jerry.

Cheapest minimum coverage for 35-year-olds

These insurers offer the cheapest quotes for 35-year-olds seeking minimum coverage in Tampa, according to Jerry's data.

Cheapest full coverage for 35-year-olds

These insurers provide the cheapest full coverage quotes to 35-year-olds in Tampa, according to Jerry's data.

Cheapest car insurance for older drivers (55+ years old)

Drivers above age 54 can expect some of the lowest insurance rates, however, rates may rise as drivers reach their 70s.

Below are the average quotes that drivers who are 55 and older have received via Jerry.

Cheapest minimum coverage for 65-year-olds

These insurers provide the lowest-priced quotes for 65-year-olds in Tampa, according to Jerry's data.

Cheapest full coverage for 65-year-olds

Here are the companies that offer the cheapest full coverage policies to 65-year-olds, based on Jerry's quote data.

Cheapest car insurance for drivers with clean records in Tampa

Having no claims or violations on your driving record goes a long way in getting a low rate.

Here’s what drivers with clean records can expect to pay on average, according to Jerry’s quote data.

These insurers offer the lowest quotes to Tampa drivers with spotless records, according to Jerry's data.

Cheapest car insurance for drivers with low credit scores in Tampa

Florida allows insurance companies to set rates based on your credit score, so having a lower score could cause your car insurance rates to be higher.

Here are average monthly and annual car insurance rates by credit score range, according to Jerry's quote data.

These insurance companies provide the cheapest quotes to Tampa drivers with scores below 550, based on Jerry's data.

Cheapest car insurance for drivers with at-fault accidents in Tampa

An accident typically causes your insurance rate to rise, so it’s a good idea to compare quotes from multiple insurers to keep costs down. These tables show how accidents affect your premium, based on quotes received through Jerry.

Cheapest policies for drivers with at-fault accidents with no injury in Tampa

Cheapest car insurance for drivers with at-fault accidents with injury in Tampa

Cheapest car insurance for drivers with speeding tickets in Tampa

After a speeding ticket goes on your record, you will likely see a higher auto insurance bill. If you have a recent ticket, it’s a good time to shop around for a better rate. Here's how speeding can affect your average insurance quote, based on Jerry's data.

These insurers provide the most affordable insurance policies to Tampa drivers with speeding tickets on their records, according to Jerry's quote data.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

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Summary

Our goal is clear, trustworthy information.

Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance.

Our experts

Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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