Cheap Car Insurance in Tampa, FL

Written by Xuyun Zeng and 1 other
Updated Oct 14, 2025
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Cheap Car Insurance in Tampa, FL

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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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
ROOT $133 $1,592 Tampa, FL
National General $147 $1,766 Tampa, FL
Bristol West $174 $2,094 Tampa, FL
Embark General $211 $2,526 Tampa, FL
First Acceptance $214 $2,563 Tampa, FL
The General $262 $3,145 Tampa, FL
Gainsco $282 $3,379 Tampa, FL
Progressive $290 $3,483 Tampa, FL
Infinity $302 $3,624 Tampa, FL
Assurance America $314 $3,765 Tampa, FL
Last Updated October 2025

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.

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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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Liberty Mutual $150 $1,795 Tampa, FL
Embark General $271 $3,255 Tampa, FL
National General $316 $3,789 Tampa, FL
Gainsco $331 $3,966 Tampa, FL
ROOT $334 $4,010 Tampa, FL
The General $351 $4,211 Tampa, FL
Assurance America $418 $5,014 Tampa, FL
Bristol West $420 $5,038 Tampa, FL
Safeco $467 $5,605 Tampa, FL
Progressive $511 $6,132 Tampa, FL
Last Updated October 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
21-24 $449 $5,386 Tampa, FL
18-20 $671 $8,055 Tampa, FL
$316 $3,789 Tampa, FL
$331 $3,966 Tampa, FL
$334 $4,010 Tampa, FL
$351 $4,211 Tampa, FL
$418 $5,014 Tampa, FL
$420 $5,038 Tampa, FL
$467 $5,605 Tampa, FL
$511 $6,132 Tampa, FL
Last Updated October 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
ROOT $109 $1,311 Tampa, FL
National General $190 $2,285 Tampa, FL
Bristol West $208 $2,491 Tampa, FL
The General $224 $2,690 Tampa, FL
Embark General $242 $2,898 Tampa, FL
The General $351 $4,211 Tampa, FL
Assurance America $418 $5,014 Tampa, FL
Bristol West $420 $5,038 Tampa, FL
Safeco $467 $5,605 Tampa, FL
Progressive $511 $6,132 Tampa, FL
Last Updated October 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Embark General $397 $4,762 Tampa, FL
The General $406 $4,871 Tampa, FL
ROOT $425 $5,095 Tampa, FL
Gainsco $440 $5,285 Tampa, FL
National General $519 $6,227 Tampa, FL
The General $351 $4,211 Tampa, FL
Assurance America $418 $5,014 Tampa, FL
Bristol West $420 $5,038 Tampa, FL
Safeco $467 $5,605 Tampa, FL
Progressive $511 $6,132 Tampa, FL
Last Updated October 2025

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.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
45-54 $336 $4,026 Tampa, FL
35-44 $356 $4,269 Tampa, FL
25-34 $376 $4,515 Tampa, FL
$440 $5,285 Tampa, FL
$519 $6,227 Tampa, FL
$351 $4,211 Tampa, FL
$418 $5,014 Tampa, FL
$420 $5,038 Tampa, FL
$467 $5,605 Tampa, FL
$511 $6,132 Tampa, FL
Last Updated October 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
ROOT $108 $1,297 Tampa, FL
Geico $110 $1,320 Tampa, FL
National General $135 $1,618 Tampa, FL
Bristol West $149 $1,787 Tampa, FL
Embark General $167 $2,003 Tampa, FL
The General $351 $4,211 Tampa, FL
Assurance America $418 $5,014 Tampa, FL
Bristol West $420 $5,038 Tampa, FL
Safeco $467 $5,605 Tampa, FL
Progressive $511 $6,132 Tampa, FL
Last Updated October 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Embark General $309 $3,711 Tampa, FL
ROOT $352 $4,221 Tampa, FL
National General $373 $4,478 Tampa, FL
The General $393 $4,721 Tampa, FL
Gainsco $409 $4,909 Tampa, FL
The General $351 $4,211 Tampa, FL
Assurance America $418 $5,014 Tampa, FL
Bristol West $420 $5,038 Tampa, FL
Safeco $467 $5,605 Tampa, FL
Progressive $511 $6,132 Tampa, FL
Last Updated October 2025

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.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
55-64 $306 $3,677 Tampa, FL
65+ $297 $3,565 Tampa, FL
25-34 $373 $4,478 Tampa, FL
$393 $4,721 Tampa, FL
$409 $4,909 Tampa, FL
$351 $4,211 Tampa, FL
$418 $5,014 Tampa, FL
$420 $5,038 Tampa, FL
$467 $5,605 Tampa, FL
$511 $6,132 Tampa, FL
Last Updated October 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Geico $65 $777 Tampa, FL
National General $85 $1,023 Tampa, FL
ROOT $92 $1,107 Tampa, FL
Bristol West $108 $1,293 Tampa, FL
Embark General $110 $1,325 Tampa, FL
The General $351 $4,211 Tampa, FL
Assurance America $418 $5,014 Tampa, FL
Bristol West $420 $5,038 Tampa, FL
Safeco $467 $5,605 Tampa, FL
Progressive $511 $6,132 Tampa, FL
Last Updated October 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Embark General $176 $2,115 Tampa, FL
Gainsco $185 $2,218 Tampa, FL
Assurance America $193 $2,316 Tampa, FL
National General $233 $2,797 Tampa, FL
The General $246 $2,951 Tampa, FL
ROOT $343 $4,120 Tampa, FL
Bristol West $355 $4,265 Tampa, FL
Progressive $426 $5,116 Tampa, FL
Geico $510 $6,118 Tampa, FL
Safeco $540 $6,481 Tampa, FL
Last Updated October 2025
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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.

Avg Monthly Quote
Avg Annual Quote
City, State
$369 $4,432 Tampa, FL
$185 $2,218 Tampa, FL
$193 $2,316 Tampa, FL
$233 $2,797 Tampa, FL
$246 $2,951 Tampa, FL
$343 $4,120 Tampa, FL
$355 $4,265 Tampa, FL
$426 $5,116 Tampa, FL
$510 $6,118 Tampa, FL
$540 $6,481 Tampa, FL
Last Updated October 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Liberty Mutual $150 $1,795 Tampa, FL
Embark General $216 $2,595 Tampa, FL
First Acceptance $218 $2,611 Tampa, FL
National General $244 $2,932 Tampa, FL
ROOT $253 $3,036 Tampa, FL
The General $265 $3,186 Tampa, FL
Gainsco $280 $3,364 Tampa, FL
Assurance America $319 $3,826 Tampa, FL
Bristol West $345 $4,135 Tampa, FL
Geico $384 $4,611 Tampa, FL
Last Updated October 2025

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.

Credit Score
Avg Monthly Quote
Avg Annual Quote
City, State
550-659 $374 $4,486 Tampa, FL
660-750 $323 $3,880 Tampa, FL
<550 $387 $4,643 Tampa, FL
750+ $288 $3,459 Tampa, FL
$253 $3,036 Tampa, FL
$265 $3,186 Tampa, FL
$280 $3,364 Tampa, FL
$319 $3,826 Tampa, FL
$345 $4,135 Tampa, FL
$384 $4,611 Tampa, FL
Last Updated October 2025

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.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
City, State
At Fault With No Injury $388 $4,656 Tampa, FL
At Fault With Injury $376 $4,514 Tampa, FL
Not At Fault $381 $4,578 Tampa, FL
$288 $3,459 Tampa, FL
$253 $3,036 Tampa, FL
$265 $3,186 Tampa, FL
$280 $3,364 Tampa, FL
$319 $3,826 Tampa, FL
$345 $4,135 Tampa, FL
$384 $4,611 Tampa, FL
Last Updated October 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
First Acceptance $217 $2,607 Tampa, FL
ROOT $254 $3,049 Tampa, FL
National General $330 $3,958 Tampa, FL
Gainsco $356 $4,270 Tampa, FL
Progressive $369 $4,433 Tampa, FL
The General $265 $3,186 Tampa, FL
Gainsco $280 $3,364 Tampa, FL
Assurance America $319 $3,826 Tampa, FL
Bristol West $345 $4,135 Tampa, FL
Geico $384 $4,611 Tampa, FL
Last Updated October 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
National General $269 $3,225 Tampa, FL
Bristol West $377 $4,530 Tampa, FL
Assurance America $378 $4,539 Tampa, FL
Progressive $474 $5,688 Tampa, FL
Embark General $527 $6,324 Tampa, FL
The General $265 $3,186 Tampa, FL
Gainsco $280 $3,364 Tampa, FL
Assurance America $319 $3,826 Tampa, FL
Bristol West $345 $4,135 Tampa, FL
Geico $384 $4,611 Tampa, FL
Last Updated October 2025

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.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
City, State
Speeding over 15 $466 $5,591 Tampa, FL
Speeding under 15 $434 $5,210 Tampa, FL
$378 $4,539 Tampa, FL
$474 $5,688 Tampa, FL
$527 $6,324 Tampa, FL
$265 $3,186 Tampa, FL
$280 $3,364 Tampa, FL
$319 $3,826 Tampa, FL
$345 $4,135 Tampa, FL
$384 $4,611 Tampa, FL
Last Updated October 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Clearcover $154 $1,848 Tampa, FL
Embark General $253 $3,038 Tampa, FL
ROOT $257 $3,082 Tampa, FL
National General $321 $3,846 Tampa, FL
First Acceptance $333 $3,994 Tampa, FL
The General $265 $3,186 Tampa, FL
Gainsco $280 $3,364 Tampa, FL
Assurance America $319 $3,826 Tampa, FL
Bristol West $345 $4,135 Tampa, FL
Geico $384 $4,611 Tampa, FL
Last Updated October 2025

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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Our experts
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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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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